BNR iramagana ifaranga rya ’Crypto’, ikifuza ko hakoreshwa irya ’Digital’

Banki Nkuru y’u Rwanda (BNR) iramagana ikoreshwa ry’ifaranga ry’ikoranabuhanga ryitwa “Crypto currency”, ariko igashishikariza abantu gukoresha irya “Digital currency” kuko ryo ngo ryishingiwe na Leta.

Aya mafaranga yombi ntabwo umuntu yayafata mu ntoki kuko ari imibare gusa bahererekanya, mu kugura no kwishyurana hakoreshejwe ikoranabuhanga.

Icyo atandukaniyeho ni uko ’Crypto currency’ rikorwa n’abantu ku giti cyabo, mu gihe ’Digital Currency’ ryo rikorwa na Leta hamwe n’ibigo yabyemereye.

Umuhimbyi w’ifaranga rya ’Crypto’ abanza kubyumvikanaho n’abandi, ku buryo arigurana na bo mu gihe hari ikintu cyangwa serivisi bamuhaye, uwarihawe na we agakomeza arihererekanya n’abandi gutyo gutyo.

Impuguke mu by’Ubukungu, Straton Habyarimana avuga ko kwigana ifaranga rya ’Crypto’ bigoye bitewe n’uko ngo harimo ikintu cyo gukorera mu mucyo, aho umuntu uwarihawe akurikirana inkomoko yaryo kugera ku waricuze.

Habyarimana akomeza agira ati “Ntabwo ari buri muntu wese ushobora gucura ifaranga rya ’Crypto’ kuko biragoye, kandi bitwara umwanya. Hari za Applications(App) zikwereka ko ayo mafaranga ahari, niba ari ay’ukuri, ndetse n’abayakeneye bashobora kugira icyo baguha cyangwa serivisi runaka bagukorera.”

Icyakora mu bibi by’ifaranga rya ’Crypto’ ngo harimo ko rishobora gutungwa n’imitwe y’iterabwoba, ikarikoresha mu gukora ibyaha bitandukanye.

Ikindi kibazo abahimba amafaranga ya Crypto bafite, ngo ni ukudashingira ku butunzi bufatika buri ku Isi, bitandukanye na za Banki Nkuru z’ibihugu zo zishingira ku ngano y’imitungo abantu bafite mbere yo gusohora amafaranga.

Mu Rwanda ngo hari ibigo bibiri bifasha abafite amafaranga y’ikoranabuhanga ya crypto nka Bitcoin (BTC), Ethereum (ETH), Tether (USDT), Binance Coin (BNB) n’andi, ibyo bigo bikaba bishobora kuyavunjisha no kuyabikuza mu manyarwanda cyangwa mu yandi mafaranga y’amahanga.

Kugeza ubu hirya no hino ku Isi hamaze gucurwa amoko 22,023 y’amafaranga ya crypto afite agaciro k’Amadolari ya Amerika Miliyari 878$.

Ifaranga rya ’Digital’ ririmo gukoreshwa, rigiye kwemezwa na Banki Nkuru y’u Rwanda.

Habyarimana avuga ko uburyo abantu basigaye bakoresha mu kohererezanya amafaranga hakoreshejwe telefone cyangwa mudasobwa badakoze ku noti(cashless), bwose ari “Digital”.

Kugeza ubu mu Rwanda ibigo nka MTN ikoresha Mobile Money, Airtel Money, SPENN na BK App bifasha abantu kwishyura serivisi zitandukanye no guhererekanya amafaranga hakoreshejwe imibare iri mu Ikoranabuhanga.

Icyakora nyuma yaho ibigo byagiranye amasezerano na MTN, Airtel, SPENN, Banki ya Kigali n’ibindi bicuruza mu bantu ifaranga rya Digital, biba bigomba kohererezanya ya mafaranga abantu bahererekanyije ari mu buryo bufatika bw’inoti cyangwa ibiceri.

Mu ntangiriro z’uku kwezi k’Ukuboza 2022, ubwo yarimo kugeza ku Nteko Ishinga Amategeko, Umutwe w’Abadepite, Raporo ya Banki Nkuru(BNR) y’umwaka wa 2021/2022, Guverineri John Rwangombwa yamaganye ifaranga rya ’Crypto Currency’, ashyigikira Digital currency.

Rwangombwa ati “Crypto currency ni ikintu kigoye cyane, tugira inama abantu kubyirinda, harimo amanyanga menshi cyane, mwumvise Ikigo cyahirimye muri Amerika muri Bahamas, gihirimana za miliyari ibihumbi by’Amadolari by’abantu benshi, cyarabahombeje.”

Rwangombwa avuga ko Crypto currency yatangiranye n’abantu binubiraga amategeko n’amabwiriza biba mu ikoreshwa ry’ifaranga risanzwe, kubera ko bashaka gukira byihuse, ngo bahimba ifaranga ry’icyuka abantu barabiyoboka.

Ati “Twebwe icyo tugira abantu ho inama, mwirinde ibi bintu, nta mabwiriza abigenga ahari, twebwe nk’Igihugu duhimba amafaranga dushingiye ku mutungo w’Igihugu, aba afite ikiyahagarariye, ibya Crypto ni ibinyoma, icyakora aho bigeze biraza gusenyuka.”

Rwangombwa avuga ko ikoranabuhanga rikoresha ’Crypto’ ari ryo ngo ririmo kwifashishwa mu kwihutisha gukoresha ifaranga ry’ikoranabuhanga rya Digital, ryo ritangwa na za Banki Nkuru.

Guverineri wa Banki Nkuru y’u Rwanda avuga ko muri Gashyantare umwaka wa 2023, BNR izaba yamaze gusohora raporo ya mbere ku mikoreshereze y’ifaranga rya Digital, akamaro karyo, uburyo rizakora n’icyo bisobanura.

Inama Rwangombwa avuga ko aheruka kwitabira yahuje abayobozi ba za Banki Nkuru z’ibihugu, ngo yanzuye ko bahagarika ibigo bikora ivunjisha bikanabikuza mu mafaranga afatika ku bantu bafite amafaranga ya Crypto currency.

Kugeza ubu igihugu cya Equateur muri Amerika y’Epfo ni cyo cya mbere ku Isi cyemeje ikoreshwa ry’ifaranga rya ’Crypto’, ariko ibindi bikomeje kugaragaza impungenge.