Isishwankathelo sezilungiso ezicetywayo
inikwe ngu Seshree Govender – Webber Wentzel
Izilungiso ezicetywayo kuShedyuli 1:
Ukwandiswa koluhlu lweShedyuli yoku-1 yamaqumrhu axhomekeke kumthengi ngokucokisekileyo, ulawulo lomngcipheko kunye nezibophelelo zokuthotyelwa ezichazwe kwiFICA (amaziko anoxanduva lokuphendula). Ezi zigqeba ziza kubandakanya ababoneleli ngenkonzo ye-crypto asset, abathengisi bempahla yexabiso eliphezulu kunye neebhanki zentsebenziswano, phakathi kwabanye; kwaye
Izilungiso zobuchule kuluhlu lweShedyuli yoku-1 yamaqumrhu, ukulungelelanisa iShedyuli 1 kunye neenguqu zamva nje zomthetho.
Izilungiso ezicetywayo kuShedyuli 2:
Amaqumrhu alawulayo ngokwakaloku nje anoxanduva lokongamela amaziko angengawo awemali aphendulayo asusiwe (umzekelo, iBhodi yoNgcakazo yeSizwe eyongamela ukuthotyelwa kweFICA kwabantu abaqhuba ishishini lokwenza ukuba kubekho ungcakazo). Ukubekw’ esweni kwamaziko angengawo awemali anoxanduva lokuphendula kuya kuba luxanduva lweZiko lezobuNtlola kwezeMali.
Ukucinywa kweShedyuli 3:
Ngenxa yokubandakanywa koluhlu “lwempahla yexabiso eliphezulu” lwamaqumrhu kwiShedyuli 1, iShedyuli 3 iya kususwa kwaye amaziko akhoyo okunika ingxelo (iimoto kunye nabathengisi baseKrugerrand) ngoku aya kufakwa kudidi olutsha lwabathengisi bempahla yexabiso eliphezulu. phantsi kweshedyuli 1.
Ukufakwa kwe-Crypto Asset Service Providers ("CASPs") kwiShedyuli 1
Njengoko kucetywayo ekuqaleni "kwiphepha lomgaqo-nkqubo we-crypto asset" elipapashwe yi-Inter-governmental Fintech Working Group ngoJanuwari 2020, izilungiso ezicetywayo kwiShedyuli 1 ye-FICA ziya kubandakanya into entsha, "ababoneleli benkonzo ye-crypto asset". Esi sihlomelo sicetywayo sihambelana nesibophelelo soMzantsi Afrika sokuthobela iNgcebiso ye-FATF ye-15 (uBugcisa obuNtsha) eyahlonyelwa ngowama-2018 ukuze ijongane nokuphathwa “kwempahla ekhoyo”. Isilungiso esicetywayo siquka iinxalenye ezimbini:
Igama elithi "crypto assets" linikwe le nkcazo ilandelayo:
"Umboniso wedijithali wexabiso eliqikelelwayo elinokuthi lithengiswe okanye lidluliselwe nge-elektroniki phakathi koluntu lwabasebenzisi be-intanethi abayithatha njengento yotshintshiselwano, iyunithi ye-akhawunti okanye ivenkile yexabiso kwaye iyisebenzisela intlawulo okanye iinjongo zotyalo-mali, kodwa ayifuni. ziquka ukubonakaliswa kwedijithali kwemali yefiat okanye ukhuseleko njengoko kuchaziwe kuMthetho weeMarike zeZimali, wama-2012 (uMthetho we-19 wama-2012)”; kwaye
Uluhlu lwee-CASP eziya kubandakanywa kwiShedyuli 1 ye-FICA, ebonelela ngolu hlobo lulandelayo:
- ukutshintshisa i-crypto asset yemali ye-fiat okanye ngokuphambene noko;
- ukutshintshisa enye indlela ye-crypto asset kwenye;
- ukuqhuba ukuthengiselana okuhambisa i-crypto asset ukusuka kwidilesi enye ye-asethi ye-crypto okanye i-akhawunti ukuya kwenye;
- ukugcinwa ngokukhuselekileyo okanye ulawulo lwe-asethi ye-crypto okanye isixhobo esivumela ulawulo kwi-crypto asset; kwaye
- ukuthatha inxaxheba kunye nokubonelela ngeenkonzo zemali ezinxulumene nokunikezelwa komniki okanye ukuthengiswa kwe-asethi ye-crypto.
Isiphumo sesilungiso esicetywayo
Uluhlu lwee-CASP lubanzi kakhulu kwaye luya kubandakanya uninzi lwamashishini e-CASP eMzantsi Afrika (kubandakanywa nababoneleli beenkonzo abasebenza ngaphandle kwelizwe). Isiphumo siya kuba kukuba onke la mashishini aya kuthathwa “njengamaziko anoxanduva lokuphendula” kwaye kuya kufuneka ukuba ahambelane neemfuneko zolawulo ezahlukeneyo kunye nezibophelelo ezibekwe “kumaziko anoxanduva lokuphendula” yiFICA, ebandakanya:
- Ukubhalisa “njengeziko eliphendulayo” kwiFIC;
- Ukuqhuba inkuthalo efanelekileyo / i-KYC kubo bonke abathengi ngokuhambelana nendlela esekelwe kumngcipheko; kwaye
- Ukuphuhlisa, ukuphumeza nokugcina iNkqubo yoLawulo loMngcipheko kunye nokuThotyelwa (“RMCP”).