Hayi, i-Crypto AYILUTyala-mali olungahlawulelwa rhafu (kunye nobunye ubuxoki obuxelelweyo)

NgoDisemba, iChainalysis ingxelo ukuba i-400 yezigidi ze-crypto wallet ngoku zine-positive (non-zero) ibhalansi. Baninzi abatyali-mali be-crypto bavuyisana nezigqibo zabo zotyalo-mali! Kodwa nali icebiso eliphezulu kuye nabani na oceba ukuchitha imivuzo yakhe - yonke idola yenzuzo oyenzayo kwi-crypto irhafiswa njengawo nawuphi na omnye umvuzo.

Izinto zokuqala kuqala - yintoni 'unyaka werhafu' kwaye unento yokwenza ne-crypto yam?

Unyaka werhafu lithuba elithatha iinyanga ezili-12, isiqalo nesiphelo salo esingasoloko singqinelana nonyaka wekhalenda (okt 1 Jan - 31 Dec). Unyaka werhafu okhoyo eNew Zealand uphakathi komhla woku-1 kuTshazimpuzi ngowama-2024 kunye nomhla wama-31 kuMatshi ngo-2025. Yonke ingeniso oyifumene ukususela nge-1 ku-Epreli 2024 ukuya kwi-31 Matshi 2025 ixhomekeke kwirhafu yengeniso. Oku kubandakanya ingeniso kuzo zonke iintengiselwano zakho ze-crypto, ezifana:

1. Ukuthengisa i-crypto ngenzuzo.
2. Ukutshintsha i-crypto enye nenye i-crypto, ngenzuzo.
3. Ukuthumela umntu isipho se-crypto, apho ixabiso leso sipho se-crypto liye laxabiswa ukusuka kwindawo oyithengileyo.
4. Ukufumana ingeniso kwi-crypto, kwishishini, kwi-staking okanye kwi-crypto mining.
5. Ukuchitha i-crypto usebenzisa ikhadi letyala le-crypto.

Emva kokubala ingeniso yakho kwi-crypto, eyona rhafu oyityalayo iya kuxhomekeka kwisibiyeli serhafu yengeniso.

Intsomi #1 - ndingabhabha phantsi kwerada, akunjalo?

Ngamafutshane: inkulu, ityebile HAYI!

Amagunya erhafu amaninzi engingqi (kubandakanywa ne I-IRD eNew Zealand) baye bakwenza kwacaca ukuba ingeniso evela kwi-crypto ixhomekeke kwirhafu yengeniso. Ngaphezu koko, oku kuhlala kulandeleka ngokupheleleyo ngabasemagunyeni berhafu. I-Koinly yeNew Zealand ye-crypto tax tax guide ye-2025 icacile kule nyaniso, ichaza ukuba "Ewe, iSebe leNgeniso ye-Inland liyakwazi ukulandelela i-crypto njengoko inokucela idatha kwi-crypto exchanges" - kwaye ewe, oko kubandakanya utshintshiselwano lwamazwe ngamazwe.

Intsomi #2 - Kulungile, faka irhafu yam - kulula!

Nangona oku 'kunokuvakala' kulula, kunokuba nzima ukulawula xa uhlengahlengisa ipotfoliyo yakho. Umzekelo, unokufuna ukuhambisa okwethutyana i-Bitcoin yakho kwi-stablecoin ukuze ulinde ukuguquguquka kwemarike kwaye uthenge kwakhona. Nangona 'ungathengisanga' nge-crypto, itikiti lerhafu linqunyulwa kunye nayo nayiphi na inzuzo kwaye umbuzo uba (ingakumbi kwabo bamkela imivuzo ephezulu) ingaba kufanelekile 'urhwebo' idiphu xa oku kunokudala isiganeko esirhafiswayo esingama-31-39%.

Imithetho kunye nemimiselo ejikeleze inzuzo ye-crypto inokwahluka kakhulu ukusuka komnye ummandla ukuya komnye, ngoko ke kubalulekile ukuba uziqhelanise nomthetho ofanelekileyo kwingingqi yakho ethile ukuqinisekisa ukuba uyawuthobela.

Ngokubanzi, kukho imigaqo eqhelekileyo esebenzayo naphi na apho uthengisa khona…

Ukuba wenze inzuzo kwi-crypto ventures, unyanzelekile ukuba uhlawule irhafu kwezo nzuzo.

Kwelinye icala, ukuba uye wafumana ilahleko, usenokukwazi ukuyihlawula kwirhafu ehlawulwe kwezinye iindawo, ezinje ngePAYE emvuzweni wakho.

Uninzi lwatshintshiselwano oluhloniphekileyo luya kugcina irekhodi yazo zonke iintengiselwano zakho kwaye kufuneka ukwazi ukuzikhuphela ngokulula kwi-spreadsheet ukubala ngokuchanekileyo inzuzo yakho kunye nelahleko ngeenjongo zerhafu. Abasemagunyeni berhafu abohlukeneyo bamkela iindlela ezahlukeneyo zokubala ukuba ingaba yintoni inzuzo yakho ye-crypto kwaye oku kunokuba nzima xa uthenge kwaye uthengise amatyeli amaninzi.

Njengezinto ezininzi, ukuthunga ngexesha kunokonga ezisithoba kwaye ufumane uncedo lobuchwephesha ngerhafu yakho ye-crypto ngaphambili kunokukunceda ukuba uphephe ukungena emanzini ashushu ngegunya lakho lerhafu.

I-Crypto-specific tax platforms yenza kube lula kuwe ukubala iirhafu ozityala kuzo zonke iitransekshini zakho ze-crypto ngokubala zonke iinzuzo zakho, umvuzo kunye neendleko. Ngexesha lerhafu, khuphela ngokulula ingxelo yakho yerhafu yelizwe lakho, kwaye ulungile ukuyifayilisha!

Intsomi #3 - Urhwebo luvakala ngathi alupheli iintloko zerhafu!

Ngelixa iofisi yerhafu ilindele isabelo sayo senzuzo ye-crypto, kukho iimeko apho unokuphumla kancinci. Ngokubanzi, awudingi kuhlawula irhafu yengeniso kwi-crypto oyibambe kodwa awukathengisi okanye awukayithengisi. Oku kusebenza kwakhona xa kuthengwa i-crypto usebenzisa imali ye-fiat.

Kwi-stablecoins ebotshelelwe kwimali esisiseko akukho kuguquguquka okanye ukuhla kwamaxabiso okunxulunyaniswa nentengiselwano yakho, okuthetha ukuba akukho nzuzo irhafiswayo okanye ilahleko.

Ngokukwanjalo, ukuba ubambelele kwi-crypto yakho ngaphandle kokurhweba ngokusebenzayo, iimpembelelo zerhafu zivela kuphela xa uthengisa okanye ulahle izinto zakho. (Ngaba nabani na uthi i-HODL yokuphumelela!) Ngokufanayo, ukudlulisela i-Bitcoin phakathi kwe-wallet yakho akuyi kuvusa nayiphi na imbopheleleko yerhafu.

Undoqo

Njengoko imakethi ye-crypto iqhubeka ikhula kwaye inzuzo ifikeleleka ngokumangalisayo kwabaninzi, kubalulekile ukukhumbula uxanduva lwakho lwerhafu. Ukungahoyi ukuchaza umvuzo wakho kunokukufaka engxakini enkulu nabasemagunyeni. Ngokuqonda imithetho yerhafu kwingingqi yakho kunye nokubonisana nochwepheshe xa kuyimfuneko, ungagcina amashishini akho orhwebo anengeniso kwaye ethobela ngokupheleleyo.