Izibhengezo
I-cryptocurrency yaseBrazil ingangena kwinqanaba lovavanyo ngoSeptemba, iqinisekisa ukhuseleko nokusebenza kakuhle kweentengiselwano.
Ulwazi olubalulekileyo lwale veki sisaziso esisemthethweni esivela eCaixa Econômica, ngokunxulumene nethuba lokuqalisa ukwenza iintlawulo zeBolsa Família kusetyenziswa i-Real Digital. Esi sixhobo sitsha sezemali saseBrazil siseyiprojekthi eqhubekayo, kwaye sitsale umdla woluntu lwaseBrazil.
Ngoko ke, ukuba awukaqhelani neli nyathelo kwaye awuyazi indlela eliza kuphunyezwa ngayo, qhubeka ufunda. Sinikezela ngalo lonke ulwazi esele lupapashiwe malunga nale mali yedijithali nendlela enokuchaphazela ngayo imeko yakho yezemali kwixesha elizayo.
Ithetha ukuthini iprojekthi ye-Real Digital?
Funda kwakhona: Jonga ukuba wamkelwe na kwi-Bolsa Família 2023. Funda indlela yokubuza.
Kule mihla, ii-asethi zedijithali ziyindlela yetekhnoloji, elula nesebenzayo yokwenza iintengiselwano zemali kwinqanaba lehlabathi. Ngenxa yegalelo elikhulu kwi-GDP yehlabathi, iimali ezibizwa ngokuba ziimali zedijithali zebhanki enguvimba (CBDC) ziya zisamkelwa ngakumbi.
Ngenxa yoko, uninzi lweebhanki eziphambili luhlalutya okanye luzama ezi zimali zedijithali kwimigaqo-nkqubo yazo yezoqoqosho. Ngoko ke, iBrazil ayisiyonto ikhethekileyo, yaye iprojekthi yeReal Digital yaba yinto enokwenzeka ukusukela ngo-2020.
Ngale ndlela, iBhanki Ephakathi yaqalisa uphando malunga nendlela olu hlobo lwemali olunokusebenza ngayo kuqoqosho. Kwangalo nyaka, kwabanjwa iforamu yokuqokelela izimvo kubathengi kunye neewebhina ezininzi zokuxoxa ngalo mba.
Ngoku, kuye kwasekwa umanyano phakathi kweBhanki Ephakathi, iCaixa Econômica neMicrosoft, ukuze kwakhiwe iinkqubo eziza kulawula iReal Digital. Isigaba sokulinga kulindeleke ukuba siqale ngoSeptemba, ukuze kuhlolwe ukhuseleko kunye notshintshiselwano kwiimeko zokwenyani.
Ukongeza, ukuba ufuna ukwazi ngakumbi, iBhanki Ephakathi inezikhokelo zokuchazela abathengi indlela esebenza ngayo le nkqubo. Eli phepha likwahlaziya abasebenzisi ngenkqubela yeprojekthi kunye nomanyano.
Izibonelelo zokubandakanya iReal Digital
Ngoko ke, kubalulekile ukuqonda ukuba zeziphi ezona zibonelelo ziphambili zokusebenzisa i-Real Digital kuqoqosho lwaseBrazil. NgokweBhanki Embindi, kukho iingongoma ezibalulekileyo ekudalweni nasekuphuhlisweni kwale ndlela yentengiselwano:
- Ukwenza iintlawulo zibe lula, ngaphandle kwesidingo sokubakho ngokwasemzimbeni;
- Ukukhuthaza ukhuphiswano kwimarike;
- Ukufakwa kwezinto ezintsha zetekhnoloji kwimarike yezemali;
- Ukubandakanywa koluntu kwiinkonzo zedijithali.
Ukongeza, enye yeenzuzo eziphambili kukuphuculwa kokusebenza kakuhle kwezemali kunye neentlawulo zokuthengisa. Ubhubhane we-COVID-19 waqaqambisa ukubaluleka nemfuneko yokwenza iindlela zokuhlawula zibe yidijithali kubemi.
IBolsa Família inokuhlawulwa nge-Real Digital
Ekuqaleni kwe-consórcio, kwabakho ingxelo evela kumongameli weCaixa Econômica malunga nokusetyenziswa kwe-Real Digital ukuhlawula iBolsa Família. Ngokutsho kwakhe, eli ziko likho kwi-99% yoomasipala baseBrazil, linabathengi abazizigidi ezili-155.
Ngale ndlela, kunokwenzeka ukusebenzisa ibhanki edumileyo ukuvavanya ukusebenza kweendlela zemali. Ngoko ke, ngenxa yobubanzi bayo nokubandakanyeka kwezoqoqosho, yindlela entle yokujonga ukuba ingaba iprojekthi yokulinga iya kuphumelela na.
ICaixa Econômica yenza ingxelo malunga neprojekthi
Umongameli weCaixa Econômica Federal, uMaria Rita Ferreira, wenze udliwanondlebe malunga nomanyano kule veki (26). Ngaloo ndlela, ngokutsho kwakhe, injongo yeBhanki Enkulu kukudibanisa imiba yokubandakanywa kwezentlalo nokwenziwa kwedijithali kweemali zesizwe.
Ngokutsho kwakhe, kunokwenzeka ngokupheleleyo ukwenza intlawulo kungekuphela nje yeBolsa Família, kodwa nezinye izibonelelo ezininzi zentlalo kusetyenziswa le asethi. Ngoko ke, kunokwenzeka ukuba, emva kwesigaba sovavanyo, nezinye izibonelelo ziya kufakwa kule projekthi.
Ngandlela thile, iBolsa Família nayo iya kuba ngumzekelo wokuqala wokongeza ezinye izibonelelo kwiprojekthi yeReal Digital. Iya kuba yimodeli yokusebenza, ekuqinisekiswa ngayo indlela esebenza ngayo kunye nokwamkelwa kwayo ngabaxhamli bale nkqubo.
Ukuxhasa ngemali izindlu kusetyenziswa le asethi
Elinye icandelo elibalulekileyo kule asethi licandelo lenkxaso-mali yezindlu, elikwafumana ingqalelo ekhethekileyo kwiBhanki Enkulu. Ngokutsho kukamongameli weCaixa, umanyano luqwalasela ukusetyenziswa kwemali yedijithali ukuthenga iimpahla, njengemveliso yale projekthi.
Ngale ndlela, injongo kukuvula indlela yokuba amanye amaziko aqale ukusebenzisa imali yedijithali kwimarike yezindlu. Ngapha koko, eli ziko ngoku likhokela icandelo lenkxaso-mali, nto leyo eyenza umkhwa phakathi kwezinye iibhanki.
Nangona kunjalo, esi sisiphakamiso somanyano phakathi kweCaixa, iBhanki Enkulu kunye neMicrosoft. Kuphela emva kwesigaba sophuhliso lwenkqubo apho kuya kuba nokwenzeka ukufaka iimveliso eziza kusasazwa yiprojekthi kunye nokungeniswa kweReal Digital kuqoqosho.
Imibuzo edla ngokubuzwa malunga neprojekthi
Funda kwakhona: Uhlengahlengiso lwe-Bolsa Família? Qonda iinguqu ngale MP yangoku
Ngoko ke, ukuba awukayazi iprojekthi yeReal Digital, sebenzisa eli thuba ujonge imibuzo edla ngokubuzwa esiyikhethileyo. Ngapha koko, kubalulekile ukuqonda ukuba le ndlela yokuhlawula iza kusebenza njani nokuba inokubuchaphazela njani ubomi bakho bezoqoqosho.
Ixabisa malini i-real yedijithali enye?
Okwangoku, akukho mahluko phakathi kwexabiso lemali ebonakalayo nemali yedijithali. Ngenxa yoko, imali inexabiso elifanayo: i-real yedijithali ilingana ne-real yesintu. Ngoko ke, yahlukile kwezinye iintlawulo zedijithali, ezinamaxabiso ahlukileyo kwimali eqhelekileyo.
Iqala nini ukusebenza indlela yokuhlawula?
Uphononongo lweprojekthi luyaqhubeka ukusukela ngo-2020, kuquka iqonga loluntu kunye neewebhinari zokuqonda indlela uluntu oluyamkela ngayo. Ukongeza, ngoMeyi ka-2021, imigaqo yolawulo yavela okokuqala kwaye ise kwisigaba sokugqibela sophononongo.
Ngoko ke, isigaba sovavanyo sokuphunyezwa kwale mali siza kuqala ngoSeptemba, ngokweBhanki Enkulu. Ngale ndlela, ukhuseleko lwamaqonga aza kuqhuba iintengiselwano kunye nemisebenzi elinganisiweyo luya kuvavanywa ngaphambi kokuphunyezwa kokwenene kweprojekthi eBrazil.
Ngaba olu hlobo lwentlawulo lusebenza njenge-cryptocurrency?
Hayi, i-real yedijithali ayifani ne-cryptocurrency kwaye ineendlela ezahlukeneyo zokudalwa, zolawulo nokusetyenziswa. Ngaloo ndlela, ingcamango kukuba ibe yenye indlela yemali kawonke-wonke neyentengiselwano, enonxibelelwano oluthe ngqo neBhanki Enkulu yaseBrazil
Ukongeza koko, ukuba ufumene ixabiso kolu papasho kwaye unqwenela ukuphonononga ngakumbi izihloko ezifana noqoqosho noncedo lwentlalo, zive ukhululekile ukukhangela amanye amanqaku ethu. Ngale ndlela, yonke imihla uya kufikelela kuluhlu lolwazi oluhlaziyiweyo ngeziganeko ezibaluleke kakhulu kwihlabathi lezemali, eBrazil nakwamanye amazwe.
