Iyini imali ye-Fiat?

Itemu lemali ye-fiat fiat livame ukusetshenziswa ukuhlukanisa imali evamile ku-cryptocurrency, uhlobo lwenkokhelo yedijithali engaba khona ngaphandle kwebhange elikhulu. Imali ye-Fiat yitemu elichaza imali oyisebenzisa nsuku zonke. Idola laseMelika iwuhlobo lwemali ye-fiat, njengezinye izinhlobo zemali zesimanje ezizungeza umhlaba wonke.

Amanani ezimali ze-fiat ngokuvamile asekelwa amandla ezomnotho kahulumeni. Lolu hlobo lwemali luhlukile ohlotsheni lwemali olusekelwa impahla, oluthola inani layo empahleni eyisisekelo.

Uhlobo lwemali olususelwe enanini legolide, isibonelo, kungaba yimali esekelwa impahla. Izinhlobo zemali ezisekelwa yimpahla nazo zingaba ithenda esemthethweni, kodwa kusukela nge-Great Depression, uhlelo lwezimali lwamazwe ngamazwe luye lwagcizelela imali ye-fiat.

Namuhla, igama elithi fiat currency livame ukusetshenziswa ukuhlukanisa imali evamile ku-cryptocurrency. I-Cryptocurrency iyindlela yokukhokha edalwe ngokwedijithali engaba khona ngaphandle kosizo lwebhange elikhulu.

Kungani ibizwa nge-fiat money?

A "fiat” kuwumyalelo noma isimemezelo esisemthethweni. Ngakho-ke uma imali idalwe ngomyalo kahulumeni, kungathiwa idalwe yi-fiat - okwenza kube yimali ye-fiat. Ukubonakaliswa okunjalo fiat kubhalwe khona lapho emalini yedola esikhwameni sakho: “Leli nothi liyithenda esemthethweni yazo zonke izikweletu, zomphakathi nezizimele.”

Yini enikeza inani lemali ye-fiat?

Iminyaka eminingi, ama-dollar empeleni ayesekelwa yizimpahla ezibalulekile njengegolide nesiliva. I-United States yanikela izinga legolide ngemisebenzi yasekhaya ngeminyaka yawo-1930 futhi yaqeda ukuguqulwa kwamazwe ngamazwe e 1971. Amadola awakaze athengelwe ukheshi kusukela ngawo-1960.

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Namuhla, i-US Federal Reserve idingeka ukuthi ibambe isibambiso esilingana nenani lamadola asetshenziswayo, futhi ikwenza lokho isebenzisa isikweletu esikhishwe uhulumeni.

Ngakho ngokuyisisekelo idola linenani ngezizathu ezimbili:

• Ngoba uhulumeni wase-US usho njalo.
• Ngoba abatshalizimali nababolekisi emhlabeni wonke bakholelwa ukuthi uhulumeni I-American izokhokha izikweletu zayo.

Imali ye-Fiat ngokumelene ne-cryptocurrency

Ukufika kwama-cryptocurrensets sekuqubule impikiswano mayelana nekusasa lezimali ze-fiat nokuthi zizogcina zinikeze indawo zemali zedijithali.

I-Cryptocurrencies njenge-Bitcoin ayiyona imali ye-fiat njengoba ingakhishwa, ingalawulwa noma isekelwe yinoma yisiphi isiphathimandla esimaphakathi. Futhi kwezinye izimo, inani eliphezulu lebhidi yakhelwe ukuthi ivalwe ngenani elithile.

Umehluko omkhulu phakathi kwemali ye-fiat kanye ne-cryptocurrency ukuthi imali ye-crypto izimele. Ngenkathi imali ye-fiat incike kubalamuli.

Ama-cryptocurrencies amaningi adalwa kusetshenziswa ubuchwepheshe benethiwekhi yekhompiyutha eyimfihlo eyaziwa ngokuthi i-blockchain. Lobu buchwepheshe bubavumela ukuthi bajikeleze ngaphandle kwesidingo seziphathimandla ezimaphakathi njengeFederal Reserve.

Abasekeli abaningi be-cryptocurrency bathi lokhu " ukwabiwa kwamandla emiphakathini lapho izinhlobo zemali zibuswa abasebenzisi esikhundleni seziphathimandla ezimaphakathi, kuzoholela ezinhlelweni zezimali ezisebenza kahle kakhulu nezingenankohlakalo.

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Kodwa-ke, akukho lutho oluvimbela ohulumeni ekusebenziseni ama-cryptocurrencies noma ubuchwepheshe obuhlobene nabo ezinhlelweni zezimali zezwe. I-El Salvador ngoSepthemba 2021 yaba izwe lokuqala ukwamukela i-Bitcoin njengethenda esemthethweni. Futhi i-China ithuthukisa inguqulo yedijithali yemali yayo kazwelonke, i-yuan.

Ngenxa yokuthi ama-cryptocurrencies amaningi awasekelwa amabhange amakhulu, athola inani lawo emithonjeni ehlukene.

I-Bitcoin, imali yokuqala nebaluleke kakhulu ye-cryptocurrency, ngokuvamile inenani layo elinqunywa ingqondo yemakethe yokuhlinzeka nokufunwa. Kukhona ukunikezwa okulinganiselwe kwe-Bitcoin okubuswa isofthiwe yayo eyisisekelo, ngakho-ke lapho isidingo sikhuphuka, amanani futhi.

Ubuhle nobubi bemali ye-fiat

Enye yezinzuzo zayo ezinkulu ukuzinza okulinganiselwe kwemali ye-fiat kanye nekhono lamabhange amakhulu okulawula ukuhlinzeka nokuphatha umnotho. Kodwa-ke, le mizamo ayiphumeleli ngaso sonke isikhathi, futhi abanye abagxeki bathi esikhundleni sokuhlinzeka nge-cushion ngokumelene nokushaqeka kwezomnotho, imali ye-fiat ngezinye izikhathi ingababhebhethekisa uma abenzi bezinqubomgomo bephrinta imali eningi.

Izinzuzo Fiat Currency

• Inikeza abakhiphayo ukulawula okukhulu phezu kokunikezwa kwemali, ibasize ukuphatha umnotho.
• Izinzile futhi igcina kalula inani lamanje, ngokungafani nezinhlobo zemali ezisekelwa yimpahla ezingashintshashintsha esikhathini esifushane.
• Yamukelwa kabanzi futhi ingasetshenziswa njengethenda esemthethweni ezimeni ezahlukahlukene.

Ukungalungi kwemali ye-Fiat

• Ukuphrinta imali eningi kungabhebhethekisa ukwehla kwamandla emali.
• Ukunikezwa kwayo okungase kube nokungenamkhawulo kungacekela phansi inani futhi kudale amabhamuza.
• Ngenani layo eliboshelwe kuhulumeni, imali ye-fiat ingehla kakhulu uma okhiphayo engena enkingeni.