Uburezi Byte: Uburyo Amategeko Yurugendo akoreshwa kuri Crypto (ninde bigira ingaruka)

Irashobora kumvikana nabi kandi irashobora kugira ibibi byayo, ariko amategeko yingendo (muri crypto na nyuma yayo) ntabwo aribyo bigabanya - byibuze ntabwo kubakoresha bisanzwe. Nkamategeko menshi mwisi yimari, ikoreshwa mubucuruzi, kandi ntabwo ireba abakiriya. Aya mabwiriza ubu arimo cryptocurrencies, ariko yabayeho kera mbere ya Bitcoin. Birashoboka, ntiwari uzi ko ahari mbere.

Amategeko y’ingendo yashyizweho n’amategeko agenga ibanga muri banki y’Amerika (BSA) mu 1996 nyuma aza kwemezwa n’umushinga mpuzamahanga ushinzwe ibikorwa by’imari (FATF), ikigo mpuzamahanga gishinzwe kugenzura ibikorwa, nk’urwego mpuzamahanga rwo kurwanya ruswa (AML). Iri tegeko, rizwi kandi ku cyifuzo cya 16 na FATF, ritegeka ko ibigo by'imari, nk'amabanki, bigomba gukusanya no gusangira amakuru yihariye mu gihe cyo kohereza amafaranga hejuru y’urwego runaka (ubusanzwe $ 1.000 muri Amerika).

Muri 2019 , FATF yongereye amategeko y’urugendo kugira ngo yishyure amafaranga y’ibanga, isaba abatanga serivisi z’umutungo wa Virtual (VASPs), nko guhanahana amakuru hamwe n’abatanga ikotomoni, gukurikiza amabwiriza nk’ibigo by’imari gakondo. Uku kwagura kwari kugamije gukumira amafaranga no gutera inkunga iterabwoba mu nzego zigenda ziyongera.

Ijambo "Amategeko y’ingendo" rituruka ku kuba amakuru asabwa y’abakiriya agomba "gutembera" hamwe n’ubucuruzi uko ava mu kigo cy’imari akajya mu kindi. Iyo ikigo cyimari gitunganya iyimurwa-ryaba fiat cyangwa crypto - rigomba kwemeza ko amakuru yingenzi, nkayohereje nuwakiriye, amazina ya konti, hamwe na aderesi ya kode, "ingendo" hamwe namafaranga mubigo byakira. Ibi bifasha abayobozi gukurikirana no gukora iperereza kubikorwa biteye inkeke mubigo bitandukanye nubutabera.

Ninde ugira ingaruka kumategeko yingendo?

Nkuko byavuzwe haruguru, iri tegeko ryibanda cyane cyane kubatanga serivisi zumutungo (VASPs) - bivuze ubucuruzi bwa crypto. Harimo guhanahana amakuru, abatanga ikotomoni, hamwe nibigo bitanga amaturo. Ubucuruzi bworoshya guhana umutungo, kwimura, cyangwa kubungabunga umutekano bigomba kubahiriza mugukusanya no gusangira abohereje hamwe nuwakiriye amakuru mubikorwa bya fiat cyangwa crypto. Amategeko akurikizwa mubikorwa hagati ya VASPs cyangwa hagati ya VASP nikigo cyimari.

Ubu buryo, nubwo, abakiriya bakoresha ayo mahuriro yagenzuwe nabo baragerwaho. Bagomba gutanga amakuru yihariye yo kugenzura no kubika inyandiko, harimo izina ryabo ryuzuye, aderesi, hamwe na konti, kugira ngo hubahirizwe ingamba zo kurwanya amafaranga. Amakuru yubucuruzi nkuwayohereje nuwayakiriye aranga, amafaranga yubucuruzi, nintego nayo agomba gusaranganywa hagati ya VASPs. Mugihe ibi byongera gukorera mu mucyo, bitera impungenge kubyerekeye ubuzima bwite bwabakoresha, kuvura bihagije amakuru yumvikana, no gutinda kubikorwa.

Uturere nka Umuryango w'ubumwe bw’ibihugu by’Uburayi, guhera ku ya 30 Ukuboza 2024, Amerika, Kanada, na Singapuru byemeje Itegeko ry’ingendo mu bucuruzi bw’ibanga. Nubwo iteza imbere isoko ryemewe, kubahiriza birashobora kubahenze kandi bigatwara igihe, cyane cyane kubucuruzi buciriritse. Kuzuza ibisabwa byubuyobozi akenshi bisaba ishoramari rikomeye mu ikoranabuhanga n’abakozi, bikaba bishobora kubangamira iterambere no guhanga udushya mu nganda za crypto.

Umufuka wegerejwe abaturage hamwe n amategeko yingendo

Nkumukoresha kugiti cye, urashobora guhitamo buri gihe. Amategeko yingendo ntabwo agira ingaruka kumufuka utabitswe cyangwa urungano rwawe (P2P), gusa utangira mugihe ukoresheje ubucuruzi kugirango ubike amafaranga yawe cyangwa urangize ibikorwa byawe --eg, urubuga rwo guhanahana amakuru. Ku rundi ruhande, serivisi zegerejwe abaturage, ntizishingikirize ku bahuza bahujwe, ubusanzwe bakaba ari intego y'amabwiriza.

Niba abakoresha bahanahana amafaranga mu buryo butaziguye hagati y’umufuka wabo utabitswe cyangwa bagakoresha uburyo bwo Kwegereza abaturage ubuyobozi (DEXs), ntabwo bazagira ingaruka ku itegeko ry’ingendo. Kubera ko DEX ikora idafite abahuza kandi ikemerera ubucuruzi bwa P2P butaziguye, mubisanzwe ntibisaba kugenzurwa, nikintu cyingenzi kigize amategeko yingendo. Ibi bifasha abakoresha kubungabunga ubuzima bwite no kutamenyekana mugihe ucuruza. Nyamara, inkiko zimwe na zimwe zirashobora gushyiraho amabwiriza amwe kuri DEXs, ibasaba gushyira mubikorwa ingamba zihariye, ariko kugeza ubu, amategeko yingendo agira ingaruka cyane cyane kungurana ibitekerezo hamwe na serivisi zirimo abahuza.

Ukoresheje Obyte ecosystem, umuntu wese arashobora gukora ibikorwa byumutekano adafite abahuza kuri DEX izwi cyane Oswap.io cyangwa mu buryo butaziguye hagati ya buri mufuka unyuze kwishyura . Mugihe cyanyuma, ibikorwa birindwa namasezerano yubwenge afunga amafaranga kugeza igihe ibintu byateganijwe kumugaragaro byujujwe. Iyi nzira iremeza ko impande zombi zuzuza inshingano zazo mbere yuko iyimurwa rirangira, guteza imbere ikizere n'umutekano nta bahuza. Kubibazo aho amasezerano adashobora kugenzurwa kumugaragaro, uburyo bwa kamarampaka bwa Obyte, hamwe na ArbStore , tanga ubundi buryo bwizewe bwo kwegereza ubuyobozi abaturage, guhanahana umutekano, iki gihe wongeyeho umunyamwuga wumuntu.