- Hayi andiyixhasi le ncwadi yemiyalelo 2818
- Ewe ndiyavuma 48
- Hayi ngokupheleleyo 113
ISebe lezoLawulo lwezeMali leBhanki yoMzantsi Afrika (i-SARB) (i-FinSurv), ngokubambisana neSebe lezeMali leSizwe, lipapashe umqulu weNcwadi yeZinto zeCrypto ezicwangcisiweyo zemisebenzi ewela imida ukuze uluntu luphawule.
Olu xwebhu lunamaphepha angama-88 luchaza uyilo lokusebenza olulawula indlela iiasethi zedijithali ezinokungena kwaye ziphume ngayo eMzantsi Afrika. Ikhutshwe ukuze izalisekise uyilo lweMithetho yoLawulo lokuHamba kweNkunzi eyapapashwa kwi-gazethi nge-17 ka-Epreli 2026, le ncwadana imisela iimeko zelayisenisi, imida yentengiselwano, kunye neemfuno zengxelo zabaNiki beNkonzo yeeAsethi zeCrypto eziGunyazisiweyo (ii-CASP eziGunyazisiweyo).
Abasemagunyeni bathi le mithetho yenzelwe ukuthintela ulwahlulelwano olulawulayo phakathi kweebhanki zemveli kunye namaqonga e-fintech, ukuphucula ukujonga imida, kunye nokunceda i-FinSurv ekufumaneni nasekuphazamiseni ukuhamba kwemali okungekho mthethweni.
Nangona kunjalo, le ncwadana yemiyalelo ichaza imida ebalulekileyo yolwakhiwo etshintsha ngokusisiseko indlela abantu kunye namashishini orhwebo asebenzisana ngayo neeasethi zedijithali.
cofa ikhonkco ngolwazi oluthe kratya, okanye skrolela ezantsi ukuze ube nelizwi lakho
Umi phi?
🔴 NDIYAYICHASA idrafti yeNcwadi yeZinto zeCrypto kwimo yayo yangoku
🟡 NDIYALUNGISA / ANDI NGOKUPHELELEYO (Imithetho yeteknoloji ayikhethi cala, esebenzayo)
🟢 NDIYIXHASA NGOKUPHELELEYO iNcwadi yeMigaqo yeZinto zeCrypto epapashweyo
Yitsho into oyithethayo – qulunqa incwadi yemiyalelo.
Iinkxalabo eziphezulu
Umgaqo-nkqubo Oyilwayo:
Itheyibhile 1 kunye neTheyibhile 2 zivakalisa ukuba ukudluliselwa kwee-asethi ze-crypto ezivela kwi-wallet engagcinwanga (eyakhelwe wena) ukuya kwi-CASP egunyazisiweyo yasekhaya "kuthathwa njengeentengiselwano ezingavumelekanga".
Umngcipheko Wezomthetho Nowokusebenza:
Abantu abahlala apho banokurhoxisa i-crypto kwi-hardware wallet yabo phantsi kwe-R2 yezigidi zeerandi zeSingle Discretionary Allowance (SDA) okanye i-R10 yezigidi zeerandi ze-Foreign Capital Allowance (FCA). Nangona kunjalo, abavumelekanga ngokusemthethweni ukuba babuyisele ezo zinto kwi-intanethi yasekhaya enelayisenisi ukuze zisetyenziswe kwiRandi. Ukudluliselwa kwangaphakathi kuvunyelwe kuphela ukuba kuthunyelwa ngqo kwi-CASP egunyazisiweyo yaphesheya. Oku kuthatha ukuzigcina komntu njengokungekho mthethweni kwaye kubamba ukonga kwaphesheya okanye ngaphandle kwenethiwekhi yeebhanki zasekhaya.
Inqaku Elicetyiswayo Lokungenisa:
Ifuna ukuba iFinSurv isuse udidi olungavumelekanga lokudluliselwa kwemali ngaphakathi kwi-wallets eziziphetheyo. Ukudluliselwa kwemali ngaphakathi kufuneka kuvunyelwe phantsi kovavanyo oluqhelekileyo lweCustomer Due Diligence (CDD), ukuqinisekiswa kwemali evela kwimithombo, kunye novavanyo lomngcipheko we-blockchain phantsi koMthetho we-FIC.
Umgaqo-nkqubo Oyilwayo:
Icandelo B.1(C)(iii)(b)(dd) kunye neTheyibhile 1 zithi: “Iinkampani ezihlala apho azinakungena kwiintengiselwano zeeasethi ze-crypto ezithathwa njengokungenisa okanye ukuthumela imali ngaphandle ngokweMithetho eyilwayo”.
Umngcipheko Wezomthetho Nowokusebenza:
I-Corporate South Africa—kuquka iinkampani ezibhalisiweyo, amashishini ezobuchwepheshe, ii-SMME, kunye neetrasti—ayivumelekanga ukusebenzisa ii-asethi zedijithali kwiintlawulo zamazwe ngamazwe, ubhaliso lwesoftware, iifizi zabakhi bamanye amazwe, okanye isivumelwano sorhwebo oluwela imida. Oku kushiya amashishini aseMzantsi Afrika kwimeko yokungakhuphisani xa ethelekiswa noontanga bamazwe ngamazwe abasebenzisa ii-blockchain rails ezingabizi kakhulu, ezikufutshane nangoko.
Inqaku Elicetyiswayo Lokungenisa:
Funa ukuba amaqumrhu ahlala apho anikwe izibonelelo ze-crypto eziwela imida ngokuhambelana nezibonelelo zemveli zokutshintshiselana ngemali zangaphandle, kuxhomekeke kwingxelo yebhalansi yeentlawulo kunye nokuthobela irhafu yenkampani ye-SARS.
Umgaqo-nkqubo Oyilwayo:
Esi sikhokelo silawula indlela yokubhala i-cryptographic esisiseko endaweni yomsebenzi wezoqoqosho. Intlawulo ye-invoyisi ewela umda eyenziwe nge-correspondent banking rails iyavumeleka, kodwa intengiselwano efanayo yorhwebo egqitywe nge-public ledger ayivumelekanga.
Umngcipheko Wezomthetho Nowokusebenza:
Oku kuphikisana ngokuthe ngqo nomgaqo-nkqubo kaRhuluneli we-SARB uLesetja Kganyago othi imisebenzi yezemali efanayo kufuneka ijongane neemfuno ezifanayo zomthetho nokuba iteknoloji isetyenziswa njani na. Ukulawula uloliwe endaweni yomngcipheko kuyayiphazamisa imakethi yezemali kwaye kohlwaya ubuchule bobuchwepheshe.
Inqaku Elicetyiswayo Lokungenisa:
Gxininisa ukuba iFinSurv ilungelelanise le ncwadana nomgaqo wokungathathi cala kwezobuchwepheshe, ukuqinisekisa ukuba iintengiselwano ezivunyelweyo phantsi kweendlela zemveli zolawulo lokutshintshiselana zivumelekile ngokulinganayo xa ziqhutywa ngeCASP ezinelayisenisi.
Umgaqo-nkqubo Oyilwayo:
Imiqobo yokungena engqongqo, imiyalelo ephezulu yemali, kunye nokuthintela ukusetyenziswa kwenkampani.
Umngcipheko Wezomthetho Nowokusebenza:
Amaqonga ezezimali aphambili axela ukuba utyalo-mali oluthe ngqo lwangaphandle kwi-fintech yaseMzantsi Afrika luyema. Iinjineli zesoftware ezinobuchule obuphezulu, iingcali zokuthobela imithetho, kunye nabayili bezakhiwo ze-blockchain bajongene nokuncitshiswa kwemisebenzi njengoko iinkampani zicinga ngokutshintsha zibe ngamagunya aqhubela phambili njenge-UAE, i-UK, okanye iMauritius. Ukunyanzela umsebenzi wokurhweba kwiimarike zaselwandle okanye zontanga nako kuyayitshabalalisa isiseko sokuqokelelwa kwerhafu se-SARS.
Inqaku Elicetyiswayo Lokungenisa:
Gqamisa kwiSebe lezeMali leSizwe ukuba ulawulo lwemali olunemida egqithisileyo luyonakalisa uqoqosho lwasekhaya ngokuqhuba amashishini, ukungabi namali, kunye nengeniso erhafiswayo eMzantsi Afrika.
Umgaqo-nkqubo Oyilwayo:
Phantsi kweCandelo B.2(B), ii-CASP ezigunyazisiweyo kufuneka zigcine ibhalansi yemali engaphazamisekiyo elingana ne-R5 yezigidi okanye i-15% yengeniso yazo yonyaka ephakathi kwiminyaka emithathu edlulileyo. Le mali kufuneka igcinwe kwiakhawunti yebhanki ehlukanisiweyo eneRandi kwaye ayinakususwa, ithembiswe, okanye ivalwe ngaphandle kwemvume ebhaliweyo yeFinSurv.
Umngcipheko Wezomthetho Nowokusebenza:
Ukuvalela ubuncinci be-R5 yezigidi zemali ye-fiat engathintelwanga kudala umqobo ongenakoyiswa kwiinkampani ezintsha ze-fintech zasekhaya ezisakhasayo. Ngaphezu koko, imiqathango engqongqo kwiziseko zophuhliso zelifu zamazwe ngamazwe, ukwenziwa kwedatha kwindawo ethile, kunye nokuvalwa kwezakhiwo zamasebe angaphandle kukhuthaza iibhanki ezikhoyo ezinemali eninzi, nto leyo ethintela ukhuphiswano.
Inqaku Elicetyiswayo Lokungenisa:
Cela isakhelo sokwanela kwemali esilinganisiweyo, esihlengahlengisiweyo ngomngcipheko kwi-CASPs yoDidi 1 kunye noDidi 2 esibonisa ubungakanani bokwenyani bentengiselwano kunye nomngcipheko wokusebenza, endaweni yokuvalelwa kwemali exabisa i-R5 yezigidi.
Umgaqo-nkqubo Oyilwayo:
ISebe lezeMali leSizwe kunye ne-SARB bapapashe le ncwadana yemiyalelo ngelixa izimvo zoluntu malunga neMithetho yoLawulo lokuHamba kweMali (eyapapashwa nge-17 ka-Epreli 2026) zingekajongwa.
Umngcipheko Wezomthetho Nowokusebenza:
Incwadi yemiyalelo ebhaliweyo yokusebenza ichaza iinkcazo kunye neendlela zokunyanzelisa umthetho (kuquka izohlwayo zolwaphulo-mthetho kunye nokuchazwa okunyanzelekileyo) okuvela kumgaqo-nkqubo wabazali ongekagqitywa. Ukufuna uluntu ukuba luvavanye imithetho yokusebenza phantsi kwesiseko somthetho esingagqitywanga kuphula ubulungisa benkqubo phantsi kweCandelo 33 loMgaqo-siseko kunye nePAJA.
Inqaku Elicetyiswayo Lokungenisa:
Icela uNondyebo weSizwe ukuba ayeke ukuphunyezwa kwencwadana yemiyalelo de iMithetho yoLawulo lokuHamba kweMali ihlaziywe, ipapashwe kwakhona kwiGazethi, kwaye ivisisaniswe neembono zoluntu.
Umgaqo-nkqubo Oyilwayo:
Ii-CASP ezigunyazisiweyo kufuneka zibike iinkcukacha ezineenkcukacha zabathengi, iidilesi zokuhlala, ii-transaction hashes, kunye needilesi zewallet kwi-FinSurv ngokusebenzisa iimodyuli zokubuyisana zemihla ngemihla, zigcine iirekhodi ubuncinane iminyaka emihlanu.
Umngcipheko Wezomthetho Nowokusebenza:
Ii-blockchain zikawonke-wonke ziincwadi ezihlala zihleli, ezingaguqukiyo. Ukuqhagamshela ubuwena bomntu, iidilesi zasekhaya, kunye neenombolo zerhafu kwiidilesi zesipaji sikawonke-wonke kwiseva karhulumente ephakathi kudala iingozi ezinkulu zobumfihlo phantsi kweCandelo 14 loMgaqo-siseko kunye noMthetho woKhuseleko loLwazi loBuqu (i-POPIA), okudala umgomo wokwaphulwa kwe-intanethi kunye nokulandelwa kwemali.
Inqaku Elicetyiswayo Lokungenisa:
Cela iBhanki eGciniweyo ukuba isebenzise iindlela zokubeka ingxelo zokugcina ubumfihlo eziqokelela idatha yokuhamba koqoqosho ngaphandle kokugcina iimephu zesazisi sewallet ezingakhuselekanga kwiidathabheyisi ezikwindawo enye.
Umgaqo-nkqubo Oyilwayo:
Icandelo A.4(vii) kunye neTheyibhile 2 ziyawathintela ngokucacileyo ama-CASP aGunyazisiweyo ukuba angene kuyo nayiphi na intengiselwano ye-crypto asset nabemi be-CMA (Lesotho, Namibia, kunye ne-eSwatini). Ngaphezu koko, iimali ezithunyelwayo zeCandelo 1 zinqunyelwe kumda ongaqhelekanga we-R5,000 ngosuku kunye ne-R25,000 ngenyanga.
Umngcipheko Wezomthetho Nowokusebenza:
Ukungabandakanywa kwabamelwane bengingqi kuthintela iindlela zokuthumela imali ezingabizi kakhulu ezixhasa iintsapho kunye norhwebo oluwela imida eMzantsi Afrika. Oku kuyaphikisana neenjongo zokudibanisa uqoqosho lwengingqi ze-SADC kunye ne-African Continental Free Trade Area (AfCFTA).
Inqaku Elicetyiswayo Lokungenisa:
Funa ukuba kususwe isithintelo esipheleleyo kubemi be-CMA kunye nokuhlaziywa kwakhona kwemida yokuthumela imali ukuze ibonise iimfuno zorhwebo oluwela imida kunye nenkxaso-mali yeentsapho kwihlabathi lokwenyani.
Ingxoxo:
Abaxhasi bathi ukwenza ukuba i-crypto flows ibe semthethweni kubonelela ngoqiniseko lolawulo, kuvala imijelo yezemali engekho mthethweni, kwaye kulungelelanisa uMzantsi Afrika nemigangatho ye-FATF yehlabathi emva kokuphuma kwayo kuluhlu olungelulo olwe-grey.
Inqaku Elicetyiswayo Lokungenisa:
Ncoma i-SARB ngokuseka iindidi zengxelo ezicacileyo kunye nokwenza iiCASP eziGunyazisiweyo zeCandelo 1, 2, kunye ne-3 zibe semthethweni, ngelixa ucela ukuba iimfuno zobugcisa ziphuculwe ukuxhasa ukukhula kwemarike yasekhaya.
Iimbono: Ithini ingxoxo?
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- Ukunciphisa i-Arbitrage yoLawulo:
Iintshukumo ze-crypto ezingalawulwayo eziwela imida ziyawuphazamisa umgaqo-nkqubo wokutshintshiselana ngemali yangaphandle. Ukuzisa iintengiselwano ze-crypto ngaphakathi kwengxelo eqhelekileyo yebhalansi-yeentlawulo kuqinisekisa ukuba amaziko e-fintech ajongene nolawulo olufanayo lokuthobela imithetho njengeebhanki zorhwebo. - Ukukhusela Imali Yesizwe kunye Nemali Yesizwe:
Kwixesha lemali yedijithali engenamda, ukuphuma kwemali engalandelelwanga kusongela uzinzo lwezoqoqosho lwasekhaya kunye neRandi yaseMzantsi Afrika. Ukuhlolwa okubanzi kwenza iFinSurv ikwazi ukulandelela ubungakanani bokwenene bemali ehamba imida. - Ukukhusela Umgangatho Wezemali Wamazwe Ngamazwe:
Emva kokuba uMzantsi Afrika ususiwe kuluhlu olungelulo lweFinancial Action Task Force (FATF), ukuvala izithuba ezichasene nokuhlanjwa kwemali kunye nokuxhaswa ngemali okuchasene nobugrogrisi (AML/CFT) kuyimfuneko ukugcina ubudlelwane beebhanki zehlabathi. - Ukuqinisekisa ukuSombulula iQonga:
Ukunyanzelisa ubuncinci bemali egciniweyo engenakonakala ye-R5 yezigidi kunye nokuyalela ukwahlulwahlulwa kwempahla yabathengi kukhusela abathengi bemihla ngemihla ekuweni kwezorhwebo nakwizenzo zobuqhetseba. - Iindlela Ezicwangcisiweyo Zoshishino:
Le ncwadana ithatha indawo yokungacaci komthetho ngemodeli yelayisenisi echaziweyo, enamanqanaba (Udidi 1, 2, kunye no-3), enika ukufaneleka kwesikhungo kubasebenzi abathobela imithetho.
- Ukunciphisa i-Arbitrage yoLawulo:
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- Ukwaphulwa koBucala bobuchwephesha:
URhuluneli weSARB uLesetja Kganyago uthe “imisebenzi yokuhlawula efanayo kufuneka ixhomekeke kulindelo olufanayo lomthetho, nokuba yenziwa yibhanki okanye yi-fintech.” Le ncwadana yokubhala iyaphula lo mgaqo ngokuvumela amashishini ukuba enze izivumelwano zabathengisi bamazwe ngamazwe nge-SWIFT ngelixa evala ngokupheleleyo intengiselwano efanayo yezoqoqosho ukuba idluliselwa kwiindlela ezilawulwayo ze-blockchain. - "Umgibe Wokugcina Izinto Ezibandayo":
Ukwahlulahlula ukudluliselwa kwemali ngaphakathi kwi-wallets ezingezizo ezokugcinwa njengezingavumelekanga kuyayigweba ipropathi esisiseko yetekhnoloji ye-blockchain yoluntu: ukuzigcina komntu ngamnye. Kudala indlela enye apho abemi banokuthatha khona impahla yabo yedijithali, kodwa bavalelwe ngokusemthethweni kwinkqubo yebhanki yasekhaya ukuba bafuna ukuyibuyisela ekhaya. - Ukuhlukaniswa kweShishini laseMzantsi Afrika ngoQoqosho:
Ukuthintela iinkampani zaseMzantsi Afrika kunye neetrasti kwiindlela ze-crypto eziwela imida kwahlula icandelo letekhnoloji yasekhaya, abathengisi bedijithali, kunye neenkampani ezintsha zeWeb3 kuqoqosho lwedijithali lwehlabathi, kubathintela ekusebenziseni iindlela ezifanelekileyo zokuhlawula i-stablecoin. - Ingozi kwiMisebenzi yasekhaya kunye noTyalo-mali lwangaphandle:
I-CATASTROPHE coalition ekhokelwa lishishini (kuquka i-VALR, i-Luno, i-AltCoinTrader, kunye ne-EasyEquities) ilumkisa ukuba iibhiliyoni zeerandi kutyalo-mali oluthe ngqo lwangaphandle kwi-fintech yaseMzantsi Afrika ziye zavalwa, nto leyo ebeka amawaka emisebenzi enobuchule kunye neminikelo ebalulekileyo yerhafu yenkampani kunye ne-PAYE emngciphekweni okhawulezileyo. - Isikhuthazo Esingalunganga Sohambo Olungalawulwayo:
Ukubeka imiqathango engasebenziyo akuyi kuyimisa ukusetyenziswa kweeasethi zedijithali; kuya kususa nje ukuthengiswa kwemali kwiindlela zasekhaya ezihambelanayo ukuya kwiinethiwekhi ezingalawulwayo ze-peer-to-peer (P2P), nto leyo evala iFinSurv kunye neSARS. - Inqwelo Yokulawula Ngaphambi Kwehashe:
Ukucela izimvo zoluntu ngemiyalelo yokusebenza ngelixa iMithetho yoLawulo lokuHamba kweMali ingasonjululwanga kuyayithoba imilinganiselo yobulungisa phantsi kwePAJA.
- Ukwaphulwa koBucala bobuchwephesha: