Ziyini izinkokhelo ze-Peer to Peer?

Wake waya esidlweni sakusihlwa nabangane futhi lapho isikweletu sifika uyabona ukuthi ushiye isikhwama sakho semali ekhaya ngephutha? Noma uyema ekhefi elamukela ukheshi kuphela futhi awunayo kuwe? Besikhona sonke ! Ngenhlanhla, kunezinhlelo zokukhokha noma izinhlelo zokusebenza zokudlulisa imali ezifana Venmo, i-PayPal, i-CashApp, njll. ekuvumela ukuthi uhlukanise izikweletu noma wenze izinkokhelo zibe lula futhi zingabi buhlungu. Izinkokhelo kontanga kuya kontanga yimisebenzi engasetshenziswa kukho konke, kusukela ekuhlukaniseni ibhili yesidlo sakusihlwa nabangani kuya ekukhokheni irenti yomnikazi wendawo.

Lezi zinkokhelo zivumela ukudluliswa kwezimali phakathi kwezinhlangothi ezimbili zisebenzisa zabo Ama-akhawunti asebhange abantu noma amakhadi abo esikweletu ngohlelo lokusebenza lwe-inthanethi noma lweselula. Ziya ngokuya ziduma phakathi kwabantu bayo yonke iminyaka njengoba ukwanda kwalezi zinhlobo zamapulatifomu ziqhubeka nokuvela.

Kulesi sihloko, ngethula izimfuneko zokuqonda izinkokhelo ze-P2P. Funda kuze kube sekupheleni.

Zisebenza kanjani izinkokhelo ze-Peer to Peer?

Ama-akhawunti okukhokha e-P2P ngokuvamile alula ukuwamisa. Kungakhathaliseki ukuthi iyiphi inkundla oyikhethayo, uzodala i-akhawunti bese uxhuma i-akhawunti yakho yasebhange noma ikhadi lesikweletu noma lasebhange kuyo.

Ezinye izinhlelo zokusebenza zingadinga ulwazi olwengeziwe lokuqinisekisa namaphasiwedi ukuze kuthuthukiswe ukuphepha. Uma i-akhawunti yakho isimisiwe, ungasesha abanye abasebenzisi ngegama labo lomsebenzisi, ikheli le-imeyili, noma abathintwayo befoni.

Ukuthumela nokwamukela imali kuvamise ukuba ngokuchofoza okumbalwa nje. Uyakhetha ukuthi uthumela kubani imali, inani lokwenziwe, engeza isizathu sokukhokha uma ufuna, bese uhambisa inkokhelo. Kuya ngesevisi yokukhokha ye-P2P oyisebenzisayo, isikhathi esisithathayo ukudlulisa imali singahluka kusuka kumasekhondi ambalwa kuya ezinsukwini ezintathu zebhizinisi.

Izinhlelo zokusebenza eziningi zigcina imali igcinwe kuhlelo lokusebenza uze uyikhulule mathupha imali ku-akhawunti yakho yomuntu siqu.

Lusebenza kanjani uhlelo lokusebenza lokukhokha lwe-P2P?

Izinhlelo zokusebenza zokukhokha ze-P2P zisetshenziselwa yonke into kusukela ekuhlukaniseni ibhili yesidlo sakusihlwa nabangane kuya ekukhokheni irenti yomnikazi wendawo. Lezi zinkokhelo zisiza ukudluliswa kwezimali phakathi kwezinhlangothi ezimbili.

Izosebenzisa ama-akhawunti abo asebhange noma indlela yokukhokha njengekhadi lesikweletu, ukubhanga ku-inthanethi noma uhlelo lokusebenza lweselula ngale njongo. Nakhu ukugeleza komsebenzi okuningiliziwe kohlelo lokusebenza lokudlulisa imali kontanga kuya kontanga:

Dlula ngokubhalisa nokungena ngemvume

Ukudala i-akhawunti yokukhokha ye-P2P kulula kakhulu! Kungakhathalekile ukuthi iyiphi ipulatifomu oyikhethayo, kufanele uqale ubhalise kuhlelo lokusebenza ngokufaka imininingwane yakho yomuntu siqu njengegama, igama lebhange, inombolo yocingo, ikheli, idolobha, njll. Ngemuva kwalokho kufanele ufake iphasiwedi noma ikhodi I-PIN eqinile.

Engeza ozuzayo

Lesi ngesinye sezinyathelo ezibaluleke kakhulu enqubweni yokukhokha kontanga ukuya kontanga. Ngemva kokuqeda inqubo yakho yokubhalisa, kufanele uqedele inqubo ye-KYC. Okulandelayo, udinga ukwengeza imininingwane yomuntu ofuna ukumkhokhela. Kule nqubo, umsebenzisi kufanele adinge igama lomuntu afuna ukumkhokhela.

???? Setha inani

Umsebenzisi kufanele-ke achaze inani afisa ukulidlulisela. Ngokuhambisana nalokhu, umsebenzisi angaphinda abhale isizathu sokukhokha. Nokho, le nto ingaba ozikhethela yona.

Faka iphasiwedi ukuze uqinisekise okwenziwayo

Umsebenzisi kufanele afake iphasiwedi abeyibekile ngesikhathi sokubhalisa noma angaqinisekisa futhi ukudluliswa kwenkokhelo nge-OTP. Ngaphezu kwalokho, umsebenzisi angakwazi futhi ukusetha umbuzo wokuphepha uma kwenzeka ekhohlwa iphasiwedi yakhe.

Kwamukelwe

Ngemva kwalokho, iresidi yokukhokha ikhiqizwa ngokuzenzakalelayo ongayilanda noma uyiphrinte. Ngale ndlela ungaba nerekhodi lemisebenzi yakho yemali.

Zishesha kangakanani izinkokhelo zontanga ukuya kontanga? Zibiza malini?

Uhlelo lokusebenza oluqondene nawe lokukhokha kontanga luvumela ukudluliswa kwezimali ngokushesha ngaphandle kwemikhawulo yendawo. Izixazululo zohlelo lokusebenza lokudlulisa imali kontanga kuya kontanga zihlose ukwenza ukudluliselwa kwemali okunjalo okukuvumela ukuthi uthumele imali. Gcina izinto ezilandelayo engqondweni uma usebenzisa izinkokhelo zontanga kuya kontanga. Kuyasebenza okufanayo uma ukhetha inkundla yakho yokudala i-akhawunti yakho yezinkokhelo ze-P2P.

Isivinini sokusebenza: Nakuba izaziso zomsebenzi zithunyelwa ngokushesha, imali ngokwayo ingathatha usuku olulodwa kuya kwezintathu zebhizinisi ukufika ku-akhawunti yakho exhunyiwe uma ukhetha ukuyikhipha ohlelweni lokusebenza. Abanye abahlinzeki bayashesha kanti abanye futhi banikezela ngokudluliswa kwemali okusheshayo ngenkokhelo.

Izimali zokwenziwe.  Ngokuvamile, ungenza izinkokhelo ze-P2P kusuka ku-akhawunti yasebhange exhunyiwe noma ngokuqondile kusuka kontanga kuya kontanga mahhala. Kodwa abanye abahlinzeki bakhokhisa imali - 2% noma 3% ukucubungula izinkokhelo ezithathwe ekhadini lesikweletu noma lasebhange, isibonelo - ngezinye izindlela zokukhokha.

Faka idatha ngokucophelela. Uma uthayipha kabi ikheli le-imeyili lomamukeli, inombolo yocingo, noma igama, imali ingase iye kumuntu ongalungile. Qinisekisa ulwazi lwakho lomamukeli ngaphambi kokuthumela inkokhelo.

Izinzuzo zokukhokha kwe-P2P

Izinkokhelo ze-P2P zifana nokusebenziseka kalula, ukusebenziseka kalula kanye nesivinini. Nakuba abanye bengase bangathandi iqiniso lokuthi ngeke besakwazi ukusebenzisa izaba “Ngikhohlwe isikhwama sami semali", ukushesha ongabuyisela ngakho abangani nomndeni wakho kuyinzuzo enkulu.

Ngokwengxenye enkulu, izinkokhelo ze-P2P zisebenza njengokukhipha imali ku-ATM ngaphandle kokuthola eyodwa yokubuyisela umamukeli. Ezinye izinsizakalo zokukhokha ze-P2P zikhokhisa imali ephansi noma amanani aphansi amaphesenti. Kodwa-ke, amanye ama-P2P avumela inkokhelo yamahhala. Abahlinzeki bocwaningo ukuze babone ukuthi zikhona yini izimali ezihlotshaniswa nokwenziwe.

Izinkokhelo ze-P2P ziya ngokujwayelekile kangangokuthi ungase uzwe abantu bethi “Ngizokwenzela iVenmo"noma"Ngizokwenzela i-PayPal", esikhundleni sokuthi uthi "ngizokukhokhela". Dala i-akhawunti yakho ye-Venmo kusukela namuhla

Izingozi zokuphepha ezingaba khona zezinkokhelo ze-P2P

Nakuba ingxenye enkulu, izinsiza ze-P2P zivikelekile, kuhlale kunezingozi ezihilelekile lapho uthumela imali ku-inthanethi. Kungakhathaliseki ukuthi uthumela imali ngephutha kumsebenzisi ongalungile noma engozini yokwephulwa kwedatha, izinkinga zingavela.

Inkinga enkulu eza nomsebenzi womgunyathi noma oyiphutha ukuthi kungaba nzima ukuthola imbuyiselo, ikakhulukazi uma usebenzisa imali yohlelo lokusebenza hhayi ibhange lakho. Abahlinzeki abaningi benkokhelo ye-P2P basebenzisa izinyathelo zokuphepha ukuze banciphise lezi zingozi zokuphepha, kusukela kumagama-mfihlo nama-PIN kuya kuzaziso zokwenziwe eziqinisekisa ukuthi abasebenzisi bayithumele ngempela yini imali.

Ukunciphisa ingozi yokuba yisisulu sokukhwabanisa, sebenzisana kuphela nabantu obaziyo. Thola ukuthi yiluphi uhlobo lokukhwabanisa olusetshenziswa ontanga yakho ohlelweni lokukhokha bese ucwaninga ngekhwalithi yenethiwekhi yokwesekwa kwamakhasimende yenkampani.

Izingozi zokusebenzisa uhlelo lokusebenza lokukhokha kontanga kuya kontanga kufanele zicatshangelwe, kodwa akufanele zikuvimbele ekusebenziseni le ndlela yokukhokha elula nekhula ngokushesha.

Ezinye zezinhlelo zokusebenza ezijwayelekile zokukhokha ze-P2P

PayPal® – uhlelo lokukhokha ku-inthanethi olusekela ukudluliswa kwemali ku-inthanethi futhi lusebenza njengenye indlela ye-elekthronikhi ezindleleni zephepha zendabuko njengamasheke nama-oda emali.

Venmo – isevisi yokukhokha yeselula okungeye-PayPal. Abanikazi be-akhawunti ye-Venmo bangadlulisela izimali kwabanye ngohlelo lokusebenza lweselula; bobabili umthumeli nomamukeli kumele bahlale e-United States

Facebook Khokha - inqubo ilula, noma ngabe uthumela imali kumngane wakho ngezinhlelo zokusebenza osuvele uzisebenzisa, kufaka phakathi i-Facebook, Messenger, Instagram, noma Iphothali.

I-Square, Inc. – isevisi yezezimali kanye nenkampani yezinkokhelo zedijithali evumela abasebenzisi ukuthi badlulisele imali komunye nomunye besebenzisa i-Cash app yamaselula.

iseli- indlela esheshayo, evikelekile nelula yokuthumela, ukucela nokwamukela nabangani, umndeni kanye nabanye obathembayo. I-Lakeland inikeza i-Zelle kanye ne-Digital Wallet yokuthenga ngaphandle kokuthinta nge-smartphone yakho noma i-smartwatch.

Apple Pay ® – insizakalo yenkokhelo yeselula kanye ne-digital wallet evela ku-Apple Inc. evumela abasebenzisi ukuthi bakhokhe mathupha, ezinhlelweni zokusebenza ze-iOS nakuwebhu besebenzisa iSafari. I-Apple Pay isebenza nemikhiqizo ekhethiwe ye-iPhone®, iPad® kanye ne-Apple Watch®.

I-Google Pay ® et Samsung Pay ® ziyatholakala futhi kumafoni we-Android, amaphilisi noma amawashi namadivayisi akhiqizwe i-Samsung.