Mu minsi iri mbere Banki zishobora kuzisanga nta n’umwe ukizibitsamo

Uko iminsi igenda ishira, isi ikomeje kugenda itera imbere mu buryo budasanzwe ndetse ku kigero bitigeze kubaho mu myaka yashize by’umwihariko mu buryo bw’ikoranabuhanga.

Ibi bituma benshi bibaza mu minsi iri imbere urwego iri koranabuhanga rizaba ririho kubera umuvuduko udasanzwe ririho dore ko usanga ubuzima bwa buri munsi bwa muntu bwaroroshye cyane nk’aho umuntu asigaye abona amafranga aho ari hose bitamusabye kujya muri Banki, ibi bigatuma bamwe bemeza ko amabanki nadacunga neza azisanga nta mukiriya n’umwe akigira kubera iri koranabuhanga.

Uko bukeye nuko bwije humvikana inkuru ko amafaranga agenda atakaza agaciro kayo, kenshi bigaterwa no gukora amafaranga menshi azenguruka mu baturage bityo agatakaza agaciro kayo, bikagaragara ko amabanki yo akomeza gusohora amafranga atitaye ku ngaruka z’agaciro kayo hanze.

Satoshi Nakamoto ni izina ry’Ikiyapani ririho ariko ntawuzi nyiraryo nkuko bigaragara ku rubuga rwa Wikipedia, uyu ngo yaba ariwo muti w’ibibazo by’ihungabana ry’ubukungu ndetse no gutakaza agaciro k’amafaranga kuko yaremye uburyo bw’amafaranga mu buryo bw’ikoranabuhanga, amafaranga afite agaciro katiganwa, aya bayabatije ‘BITCOIN’ (usomye no kuri Wikipedia bakubwira kugeza ubu umuntu cyangwa itsinda ry’abantu bavumbuye Bitcoin batazwi uretse gusa kubatazira akazina ka Satoshi Nakamoto ).

Bitcoin ni uburyo bwo kwishyura amafarnga (Payment System). Nibwo buryo bwa mbere bwegereye abantu kurusha ubundi mu guhanahana amafaranga (It is the first decentralized digital currency) kandi badasabwe n’ikuta narimwe muri serivisi zabo mu gihe amabanki n’ubundi buryo busanzwe bukoreshwa bwishyurwa. Ibi ntibisaba kujya kuri Banki cyangwa ahandi hose ubikorera kuri mudasobwa yawe cyangwa Telefoni ngendanwa yawe.

Igiceri kimwe (1) cya Bitcoin ubu tuvugana gihagaze ku mafaranga Miliyoni 7 zirenga (mu manyarwanda), ntabwo ari buri muntu wese wabasha kwigondera aya mafaranga ariko kandi agace gato gashoboka k’iki giceri karagurwa ariyo mpamvu abantu benshi ku isi bari gushidukira aya mafaranga ari mu buryo bw’ikoranabuhanga.

Leta, amabanki ndetse n’ibindi bigo byose bigena uko ifaranga rikoreshwa, nta bubasha bigira kuri ibi biceri, ni uburyo ikoranabuhanga ryiremeye amafaranga utabasha kubonesha amaso. Afite agaciro karemereye kuruta n’amafaranga abaho tuzi kuko ibanga riri muri ubu buryo bw’amafaranga akozwe mu buryo bw’ikoranabvuhanga, hari ababisobanura muri ubu buryo butandukanye.

Amabanki ashobora kuzisanga nta serivisi n’imwe agiha abakiriya kubera uburyo bwa ‘BITCOIN

Mu kwerekana ko amabanki atinza serivisi ugereranyije n’uburyo bwa Bitcoin, uyu wari muri Amerika yagize ati “Nohereje ama-Euro ijana nonaha umuntu uri I Tokyo mu Buyapani ahita ambwira ko amafranga ageze kuri Konti ye ya Bitcoin, urumva ubikoze mu buryo busanzwe bw’amabanki, byagufata iminsi ndetse nkanongeraho ama-Euro 30 ko noherereje ijana, nta muntu n’umwe nasabye uburenganzira yaba Banki cyangwa se Leta bityo mbona izi arizo mbaraga ziri muri Bitcoin”.

Ubusanzwe iyo woherezaga umuntu amafaranga aho yaba ari hose ku isi, hari andi mafaranga amabanki aguca kugira ngo abashe kuguha iyi serivisi. Amabanki cyangwa se ibiro bikora ubuvunjayi nibyo byakoraga aka kazi none ubu buryo abantu bohererezanya amafaranga bakoresheje interineti gusa badakeneye amabanki, ntibyaba biganisha ku ndunduro serivisi amabanki yatangaga?

Professor Lander Licosina, impuguke mu by’ubukungu I Chicago muri Leta Zunze Ubumwe za Amerika, we asanga iri faranga rishyashya ryadutse rya Bitcoin rifite iturufu amabanki asanzwe adafite ngo ku buryo ativuguruye byazayagora guhangana naryo mu gihe kiri imbere.

Yagize ati “ mu bihugu bitandukanye hari ubwo usanga za Banki nkuru zititwara neza mu kugena uko amafaranga akoreshwa azenguruka mu baturage, akenshi byanahungabanyaga ubukungu ba nyiri business bakabyimenyera, Bitcoin ubanza igiye gushyira Discipline (imyitwarire myiza) kuri za Banki kuko bigaragara ko abantu batazongera gukenera ko amafaranga yabo yongera kunyura ku bantu benshi ahubwo azajya anyura hagati y’abantu 2 boherezanya ndetse n’uwakira gusa”.

Yakomeje avuga ko mu gihe ubu buryo umuntu abasha kwakira amafaranga ye bitamusabye ikindi kiguzi cyo kuyishyurira bwa kabiri, uru ni uruhande rukonje kuri za banki zose zo ku isi.

Uretse iyi mpuguke mu by’ubukungu kandi Sean Worthington, impuguke mu by’ikoranabuhanga rigezweho muri Koleji ya Butte ibarizwa mu majyepfo ya California nawe mu gitabo yanditse yise “BEYOND BITCOIN the future of digital currency” (ugenekereje mu Kinyarwanda, birenze igiceri kitagaragara n’amaso ‘Bitcoin’, ifaranga ryo mu buryo bugezweho ry’ahazaza), yagaragaje ko byanga bikunda isi y’ahazaza izaba idafite za Banki, abazikoramo ndetse n’inyubako zitwa ko ari iz’amabanki kuko ibyo zakorerwagamo bizaba byose bisigaye bikorwa mu buryo bw’ikoranabuhanga gusa.

Mu gitabo cye hari aho yagize ati “ Tekereza kandi wibaze igihe isi izaba nta Banki iyirangwaho kuko byose bizaba bisigaye bikorwa gusa na Telefoni ngendanwa na Mudasobwa gusa!”.

Abakire batandukanye bakora business zihenze cyane bigaragara ko nabo ubwabo bafite ibitekerezo bitandukanye kuri iri faranga rikomeje gukwirakwira ku isi hose.

Umuherwe Bill Gates, umwe mu baherwe ba mbere ku isi mu magambo ye yagize ati “ Bitcoin ni ifaranga ritangaje, uburyo rihendutse biragaragara, riraruta amafarabnga asanzwe kuko kuri ryo ntibikenera kuba ufite amafaranga menshi igihe ugiye kugura cyangwa kugurisha ibintu bifite agaciro karemereye”.

Ikoranabuhanga rikomeje guhindura ubuzima bwinshi hano ku isi aho kuri ubu bigeze no mu ifaranga dore ko ubu ushobora gutunga amafaranga kuri interineti afite agaciro gakubye inshuro nyinshi cyane amafaranga dusanzwe tuzi akoresha.

Ihindagurika ry’amafaranga akoreshwa byahereye kera aho byavuye mu bucuruzi bwo kugurana ibicuruzwa hagati y’umuguzi n’umucuruzi bigera aho hitabazwa ibice by’ibyuma byahabwaga agaciro bikoreshwa nk’amafaranga kugera ku noti n’ibiceri ubu dukoresha.

Kugeza ubu haribazwa niba ubu buryo bw’ikoranabuhanga buri kugenda bwaduka ndetse buri kwitabirwa na benshi niba ari amafaranga yandi agiye kwiyongera kuyo dusanzwe dukoresha cyangwa niba azaza asimbura asanzwe. Si iki kibazo gusa kuko ikigaragara nuko za banki byanze bikunze zizahahombera mu gihe abantu bose bazaba bamaze kuyoboka ubu buryo bw’ikoranabuhanga butabasaba kugira icyo bishyura muri serivisi zo kohererezanya amafaranga no kuyakira.

Abatekereje gukora aya mafaranga akoze muburyo bw’ikoranabuhanga bashyizeho n’uburyo umuntu ashobora kuyabona, mu gihe yaba akoresha uburyo bya Google chrome aho ashyiramo application igufasha kwakira abandi bari gukoresha ubwo buryo ariko baturutse ku murongo wabahaye, uko abantu biyongera niko baguha ibice by’iki giceri (Bitcoin) bihenze ubishyize mu manyarwanda. Gerageza ubwo guryo hano ukanda kuri iyi link https://cointab.cc/ref/12789.

Daniel MUKESHIMANA@Umubavu.com





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