Yintoni imali yakwaFiat?

Igama elithi fiat fiat currency lidla ngokusetyenziswa ukwahlula imali eqhelekileyo kwi-cryptocurrency, uhlobo lwentlawulo yedijithali enokubakho ngaphandle kwebhanki ephakathi. Imali yeFiat ligama elichaza imali oyisebenzisa yonke imihla. Idola yaseMelika yimali ye-fiat, njengezinye iimali zanamhlanje ezijikeleza kwihlabathi jikelele.

Amaxabiso eemali ze-fiat zihlala zixhaswa ngamandla ezoqoqosho kurhulumente. Olu hlobo lwemali lwahlukile kwimali exhaswa yi-asethi, efumana ixabiso layo kwi-asethi esisiseko.

Imali esekwe kwixabiso legolide, umzekelo, iya kuba yimali exhaswa yi-asethi. Iimali ezixhaswa yi-asethi nazo zinokuthenda ngokusemthethweni, kodwa ukususela ngoKudandatheka okukhulu, inkqubo yemali yamazwe ngamazwe iye yagxininisa imali ye-fiat.

Namhlanje, igama elithi fiat currency lidla ngokusetyenziswa ukwahlula imali eqhelekileyo kwi-cryptocurrency. I-Cryptocurrency yindlela yokuhlawula eyenziwe ngedijithali enokuthi ibe khona ngaphandle koncedo lwebhanki ephakathi.

Kutheni ibizwa ngokuba yimali ye-fiat?

A "fiat” ngumyalelo okanye ummiselo osemthethweni. Ngoko ukuba imali idalwe ngumyalelo karhulumente, unokuthi yenziwe yi-fiat - iyenza ibe yimali ye-fiat. Ukubonakaliswa okunjalo fiat ibhalwe kanye apho kwiibhili zedola kwisipaji sakho: “Eli nqaku lithenda esemthethweni yawo onke amatyala, ewonke kunye nawabucala.

Yintoni enika ixabiso kwimali ye-fiat?

Kangangeminyaka emininzi, iidola zazixhaswa ngoovimba bezinto ezixabisekileyo ezifana negolide nesilivere. IUnited States yanikezela umgangatho wegolide kwintengiselwano yasekhaya ngeminyaka yoo-1930 kwaye yaphelisa uguqulo lwamazwe ngamazwe kwi1971. Iidola azikahlawulelwa imali ukusukela ngoo-1960.

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Namhlanje, i-US Federal Reserve iyadingeka ukuba ibambe isibambiso esilingana nexabiso leedola ezijikelezayo, kwaye ikwenza oko isebenzisa ityala elikhutshwe ngurhulumente.

Ngoko ke ngokusisiseko idola inexabiso ngenxa yezizathu ezibini:

• Kuba urhulumente wase-US utsho njalo.
• Kuba abatyali-zimali kunye nababolekisi kwihlabathi liphela bakholelwa ukuba urhulumente IMelika iya kuhlawula amatyala ayo.

Imali ye-Fiat ngokuchasene ne-cryptocurrency

Ukufika kwe-cryptocurrensets kuye kwabangela impikiswano malunga nekamva leemali ze-fiat kunye nokuba ekugqibeleni baya kunika indlela kwiimali zedijithali.

Ii-Cryptocurrencies ezifana ne-Bitcoin azikho imali ye-fiat njengoko zingakhutshelwanga, zilawulwa okanye zixhaswa naliphi na igunya eliphakathi. Kwaye kwezinye iimeko, ixabiso eliphezulu lilonke yenzelwe ukuba ivalwe kwisixa esithile.

Umahluko ophambili phakathi kwemali ye-fiat kunye ne-cryptocurrency kukuba ii-cryptocurrencies zizimeleyo. Ngelixa iimali ze-fiat zixhomekeke kubalamleli.

Iimali ezininzi ze-cryptocurrency zenziwa kusetyenziswa itekhnoloji yothungelwano lwekhompyuter eyaziwa ngokuba yi-blockchain. Le teknoloji ivumela ukuba bajikeleze ngaphandle kwesidingo segunya eliphakathi njenge-Federal Reserve.

Abaxhasi abaninzi be-cryptocurrency bathi le " ukunabisa amagunya apho iimali zilawulwa ngabasebenzisi kunokuba zilawulwa ngabasemagunyeni, kuya kubangela ukuba kubekho iinkqubo zezimali ezisebenza kakuhle nezingenabuqhophololo.

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Nangona kunjalo, akukho nto ithintela oorhulumente ekusebenziseni ii-cryptocurrencies okanye itekhnoloji ehambelana nazo kwiinkqubo zemali zelizwe. I-El Salvador ngoSeptemba ka-2021 yaba lilizwe lokuqala ukwamkela i-Bitcoin njengethenda esemthethweni. Kwaye iTshayina iphuhlisa inguqulelo yedijithali yemali yelizwe, i yuan.

Ngenxa yokuba uninzi lwe-cryptocurrencies aluxhaswanga ziibhanki eziphambili, bafumana ixabiso labo kwimithombo eyahlukeneyo.

I-Bitcoin, i-cryptocurrency yokuqala kunye neyona nto ixabisekileyo, ngokubanzi inexabiso layo elimiselwe yingqiqo yemarike yokubonelela kunye nemfuno. Kukho unikezelo oluncinci lweBitcoin olulawulwa yisoftware yayo esisiseko, ke xa imfuno isanda, amaxabiso nawo.

Iinzuzo kunye neengxaki zemali ye-fiat

Enye yeenzuzo zayo ezinkulu kukuzinza kwemali ye-fiat kunye nokukwazi kweebhanki ezingundoqo ukulawula ukubonelela kunye nokulawula uqoqosho. Nangona kunjalo, le migudu ayisoloko iphumelela, kwaye abanye abagxeki bathi endaweni yokubonelela nge-cushion ngokuchasene nezothuso zezoqoqosho, iifiat currencies ngamanye amaxesha ziyakwazi ukunyusa ukuba abenzi bomgaqo-nkqubo baprinte imali eninzi kakhulu.

Izinto ezilungileyo zeFiat Currency

• Inika abakhuphi ulawulo olukhulu kunikezelo lwemali, ukubanceda ukulawula uqoqosho.
• Izinzile kwaye kulula ukugcina ixabiso langoku, ngokungafaniyo neemali ezixhaswa yimpahla yorhwebo ezinokuhla zinyuka ngexesha elifutshane.
• Yamkelwa ngokubanzi kwaye inokusetyenziswa njengethenda esemthethweni kwiimeko ezahlukeneyo.

Ukungalungi kwemali yakwaFiat

• Ukuprinta imali eninzi kunokuphembelela ukunyuka kwamaxabiso.
• Unikezelo lwayo olunamda olungenamkhawulo lunokuphelisa ixabiso kwaye ludale amaqamza.
• Ngexabiso layo elibophelelwe kurhulumente, imali ye-fiat inokunciphisa kakhulu ukuba umkhuphi ubalekela ingxaki.