imithetho yokulawula ukuhamba kwemali eyilwayo

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Isibhengezo – skrolela ezantsi

ISebe lezeMali leSizwe licebise iMithetho yoLawulo lokuHamba kweMali, ka-2026, olu tshintsho lubalulekileyo kulawulo lwezemali lwaseMzantsi Afrika ukusukela ngo-1961. Nangona urhulumente ebeka oku "njengotshintsho" lolawulo lokutshintshiselana, uyilo luzisa amandla amatsha abanzi adlula kude imali yedijithali.
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ISebe lezeMali leSizwe licebise iMithetho yoLawulo lokuHamba kweMali, ka-2026, eyona nguqu ibalulekileyo kulawulo lwezemali lwaseMzantsi Afrika ukusukela ngo-1961.

Nangona urhulumente ekubeka oku "njengotshintsho" lolawulo lokutshintshiselana, uyilo luzisa amandla amatsha abanzi adlula ngaphaya kwemali yedijithali. Uyilo lunika uRhulumente igunya lokujonga, ukuncamathisela, kunye nokubamba "nantoni na enexabiso lemali". Nokuba wena ukuba nekhaya, ukuba negolide, ukulawula impahla yobukrelekrele, okanye ukonga kwiBitcoin, le mithetho itshintsha ubudlelwane obusemthethweni phakathi koRhulumente kunye nepropathi yakho yabucala.
cofa ikhonkco ngolwazi oluthe kratya, okanye skrolela ezantsi ukuze ube nelizwi lakho

Jonga ulwazi, iingxelo, amaxwebhu kunye neevidiyo

Yiba nelizwi lakho - bumba imigaqo.
Jonga izimvo zabanye abathathi-nxaxheba phambi kokuba ube nelizwi

    Ngaba uyayixhasa iMimiselo yoLawulo lokuHamba kweNkunzi eyiDrafti njengoko inikezelwe yiSebe lezeMali?

    Yintoni ingxaki yakho? (skrola ezantsi ukuze ufumane ingcaciso yento nganye)

    Njengoko ukhethe 'Zonke ezi zinto zingasentla', ukuba bekufuneka ukhethe into ephambili, ibiya kuba yintoni?

    le mimandla ingezantsi unokukhetha kuyo ———————————

    Leliphi ijelo olikhethayo xa ufuna impendulo kweli phulo?

    Ulwimi olukhethayo?

    Sithini isimo sakho? (ngeenjongo zethu zokunika ingxelo kuphela)




    Jonga idilesi ye-imeyile emva koko ucofe ukuthumela! Uya kuthunyelwa kwiphepha lokuqinisekisa.

    D-umfanekiso

    Iinkxalabo eziphezulu

    Icandelo lama-25 Amalungelo: Ukufunyanwa kweMali kuRhulumente

      • Oko kuthethwa nguMgaqo-nkqubo:
        Nawuphi na umhlali onelungelo lokuthengisa igolide (ngaphandle kwezinto zokuhombisa okanye imisebenzi yobugcisa) enexabiso elingaphezulu komda omiselweyo kufuneka ayinikele kwiSebe lezeMali leSizwe ukuze ithengiswe zingadlulanga iintsuku ezingama-30. Kukho amalungiselelo afanayo okuthengiswa ngokunyanzelekileyo kweempahla ze-crypto ezibhengeziweyo okanye amalungelo emali yangaphandle.
      • Impembelelo enokubakho:
        Oku kuthintela ngokufanelekileyo amandla abemi okugcina igolide ebonakalayo okanye izinto zedijithali njengothango lwabucala nxamnye nokunyuka kwamaxabiso. Abagxeki bathi olu luhlobo lokugxothwa ngenkani, apho uRhulumente unokukunyanzela ukuba utshintshise izinto zabucala ngeRandi yaseMzantsi Afrika (i-ZAR) ngexabiso eliza kuqinisekiswa nguRhulumente.

    Ukhuseleko lwePropati: Ukuncamathiselwa kweNoti yoMhlaba kunye neTayitile

      • Oko kuthethwa nguMgaqo-nkqubo:
        ISebe lezeMali leSizwe linokuthimba nayiphi na impahla—kuquka impahla engashukumiyo (umhlaba)—ukuba kukho “izizathu ezivakalayo zokurhanelwa” ukuba ibandakanyeka ekwaphulweni kwemigaqo. Ukuba umhlaba uthinjiwe, iSebe lezeMali lazisa uMbhalisi weeNcwadi zeMpahla, omele abhale oku kuthinjiweyo ngokuchasene netayitile yepropati.
      • Impembelelo enokubakho:
        Oku kuvumela uRhulumente ukuba “aqandise” ikhaya okanye umhlaba wommi ngokusekelwe kurhanelwa kuphela, ngaphandle kokuba egwetywe ngaphambili okanye umyalelo wenkundla obonisa ukuba ulwaphulo-mthetho lwenziwe. Nje ukuba into eqhotyoshelweyo ibhalwe kwitayitile, umnini akanakuyithengisa, ayidlulisele, okanye ayibophelele loo propati.

    Ubumfihlo kunye nokuZibeka ityala: Ukunikezela ngeePasswords kunye neeTshixo

      • Oko kuthethwa nguMgaqo-nkqubo:
        Ukuba impahla ithathwa yiRhulumente, umniniyo kufuneka anike onke amagama ayimfihlo, iinombolo zobuqu (iiPIN), okanye iikhowudi ezifunekayo ukuze iSebe lezeMali likwazi ukufikelela nokulawula. Ukongeza, amagosa omthetho anegunya lokukhangela “amanqaku” (afana neefowuni eziphathwayo) kwimida ukuze abone ukuhamba kwemali.
      • Impembelelo enokubakho:
        Ukunyanzela abantu ukuba banikezele ngezitshixo zedijithali okanye amagama ayimfihlo kungaphula ilungelo leCandelo 14 lokuba yimfihlo kunye nelungelo leCandelo 35 lokulwa nokuzityhola. Ukunyanzela umntu ukuba anike uRhulumente iindlela zobugcisa zokubamba impahla yakhe kukuphambuka okukhulu kukhuseleko olusemthethweni olumiselweyo.

    Ukugqithisa ngokweMithetho: Ukuchaza "Nantoni na enexabiso" njengeNkunzi

      • Oko kuthethwa nguMgaqo-nkqubo:
        “Imali” ichazwa ngokubanzi ukuba iquka “nantoni na enexabiso lemali”, nantoni na enokuguqulwa ibe yimali, kunye namalungelo epropathi yengqondo (nokuba ibhalisiwe okanye ayibhaliswanga).
      • Impembelelo enokubakho:
        Ngokuchaza imali ngokubanzi, uRhulumente unokufumana ulawulo phantse kuzo zonke iintlobo zokudluliselwa kobutyebi. Oku kungabandakanya ukuthengiswa kwenkqubo yeshishini, ilungelo lomenzi, okanye kwanezinto zobuqu ezinexabiso eliphezulu kumntu ongengommi, zonke ezi zinto ngoku ziya kuba phantsi kwemiqathango engqongqo "yokuthumela imali ngaphandle".

    Ukungabikho koBuchule: "Iindlela eziMiselweyo" ezingachazwanga

      • Oko kuthethwa nguMgaqo-nkqubo:
        Kuyo yonke idrafti, imiqathango yokuthenga, ukuthengisa, okanye ukuhambisa impahla isebenza kuphela ukuba ixabiso lingaphezulu "komda omiselweyo".
      • Impembelelo enokubakho:
        UMphathiswa wezeMali unegunya lokubeka nokutshintsha le miqathango ngesaziso kwiGazethi nangaliphi na ixesha. Oku kuthetha ukuba uluntu lucelwa ukuba luphawule ngomthetho apho “iindawo ezibangela iingxaki” zingaziwa. Umda ophantsi unokwenza iintengiselwano zemihla ngemihla zibe lulwaphulo-mthetho, ngelixa ophakamileyo unokuchaphazela kuphela abazizityebi—kodwa uyilo aluniki siqinisekiso.

    Ukwenziwa ulwaphulo-mthetho: Izigwebo zeminyaka emi-5 entolongweni ngenxa yeempazamo

      • Oko kuthethwa nguMgaqo-nkqubo:
        Umntu wenza ityala ukuba “ngokungakhathali okanye ngabom” wenza naluphi na uxwebhu olungeyonyani okanye olungachanekanga kwisibhengezo. Isohlwayo siquka isohlwayo esifikelela kwi-R1,000,000 kunye/okanye ukuvalelwa entolongweni ukuya kuthi ga kwiminyaka emihlanu.
      • Impembelelo enokubakho:
        Ngenxa yobunzima bokulandelela ii-asethi zehlabathi okanye ii-wallet zedijithali, umhlali angenza “ingxelo engachanekanga” ngokulula ngenxa yempazamo okanye ukungaqondani. Uyilo luvumela ukutshutshiswa kolwaphulo-mthetho nokuba ziimpazamo “ezingenamsebenzi,” ezinokubangela ukuba abemi abaqhelekileyo bathwale iirekhodi zolwaphulo-mthetho ngenxa yokungahoywa kolawulo.

    Inkxaso yoHlaziyo kunye nokuThotyelwa kwe-FATF

      • Ingxoxo:
        Le mithetho ifuna ukurhoxisa isakhelo sika-1961 kwaye iqhubekele kwinkqubo esekelwe kumngcipheko. Abaxhasi bathi oku kubalulekile kuMzantsi Afrika ukulwa nokuhlanjwa kwemali kunye nokuxhaswa ngemali ngabagrogrisi, ukugcina ubudlelwane beebhanki zamazwe ngamazwe, kunye nokuphepha ukubuyela "kuluhlu olungelulo" lwe-FATF.
      • Isicwangciso:
        Abaxhasi bakholelwa ukuba ngokuzisa i-crypto kunye nokungena kwemali yanamhlanje kwindawo elawulwayo, uRhulumente unokukhusela ngcono uqoqosho lwesizwe kwaye aqinisekise ukuba bonke abemi banegalelo elifanelekileyo kwisiseko serhafu.

    Iimbono: Ithini ingxoxo?

    Ingxabano ephambili iphakathi kwegunya likaRhulumente lokukhusela uqoqosho lwesizwe kunye nelungelo lomntu ngamnye ngokomgaqo-siseko lokuba yimfihlo kunye nepropathi.

    Ityala leMimiselo (Imbono kaRhulumente)

      • Ukhuseleko lweLizwe:
        Ukuhlaziya imithetho ka-1961 kubalulekile ukuze kumiswe ukuhlamba imali kunye nokuxhaswa ngemali ngabanqolobi, ukuqinisekisa ukuba uMzantsi Afrika uhlala ungekho kuluhlu olungelulo lwe-FATF.
      • Uzinzo kuQoqosho:
        Ngokulandela intshukumo “yayo nantoni na enexabiso lemali,” uRhulumente angakhusela iRandi yaseMzantsi Afrika ekuphazamiseni ukuhamba kwemali.
      • Iingxaki Zokuvala:
        Ilizwe lithi ukuba alikwazi ukubona okanye ukulawula ukuhamba kwegolide, i-IP, kunye ne-crypto, alikwazi ukulawula ngokufanelekileyo ulawulo lwezemali lwelizwe.

    Ityala Elichasene Nemimiselo (Imbono Yamalungelo)

      • Ukuwohloka Kwamalungelo Epropathi:
        Ukunyanzela abemi ukuba bathengisele uRhulumente igolide kunye nokuvumela iSebe lezeMali ukuba livale amaphepha omhlaba ngokusekelwe “kwisityholo” sodwa kubonwa njengokwaphulwa kweCandelo 25 loMgaqo-siseko.
      • Ukufikelela ngokugqithisileyo kuMgaqo-siseko:
        Ukufuna ukuba amagama ayimfihlo abuyiselwe kwaye kuvunyelwe ukukhangelwa kwezixhobo kwimida kuyawabeka emngciphekweni amalungelo obumfihlo kunye nokungabekwa ityala.
      • Umngcipheko woQoqosho:
        Abagxeki balumkisa ukuba ukuphatha lonke ixabiso labucala njengesixhobo esilawulwa ngurhulumente kuya kuyithintela imali yamanye amazwe kwaye kuqhubele phambili ubuchule basekuhlaleni kwiindawo ezikhuselekileyo.
    Jonga ulwazi oluninzi