Uninzi lwabantu abaze bacinge ngemali.

Abacingi ngokuyifumana, okanye ukuyisebenzisa, koko ngokwenene bacinga ukuba yintoni na imali kwaye isebenza njani.

Oko kunokubonakala ngathi yinto engaqhelekanga ukuyithetha, kodwa kuyinyaniso.

Sichitha ubomi bethu bonke sisebenzisa imali singaze siyibuze.

UHenry Ford wakha wathi yinto entle ukuba uninzi lwabantu aluqondi inkqubo yeebhanki nemali, kuba ukuba babeya kuyazi, kungabakho uvukelo.

Nokuba uyavuma okanye awuvumelani noFord, lo mbuzo kufanelekile ukuwucamngca: yintoni esingayaziyo uninzi lwethu ngemali esiyisebenzisa yonke imihla?

Esi sifundo sakhiwe malunga nalo mbuzo.

Ekupheleni kwesi sifundo, uya kuba nokuqonda okucacileyo malunga nokuba yintoni na imali ngokwenene, kutheni inkqubo yangoku inengxaki ezinzulu, yintoni iBitcoin, kwaye ungayiqala njani ukuyisebenzisa.

Imali ayinaxabiso elingaphakathi.

Oko kunokubonakala kungaqhelekanga, kodwa cinga ngako, akukho mntu uyifunayo imali ngenxa yayo ngokwayo. Siyifuna ngenxa yezinto esinokuzithenga ngayo. Ibhili ye-R200 yiphepha nje kuphela. Okwenza ibe luncedo kukuba abanye abantu bayayamkela xa betshintshiselana ngezinto esizifunayo ngokwenene.

Le nto yahlula imali ekutshintshiselaneni ngezinto.

Kwinkqubo yokutshintshiselana ngezinto, urhwebo lusebenza kuphela xa bobabini abantu befuna into enayo omnye. Ukuba ukhulisela i-apile mna ndikhulisela iibhanana, sinokutshintshiselana, kodwa kuphela xa ufuna iibhanana ngokwenene. Imali isombulula oku ngokunika wonke umntu isixhobo esiqhelekileyo abanokulisebenzisa nabani na, nangaliphi na ixesha.

Into ukuze isebenze kakuhle njengemali, kufuneka yenze izinto ezintathu.

Kufuneka yamkelwe ngokubanzi njenge sixhobo sokutshintshiselana. Kufuneka isebenze njenge iyunithi yokubala, isinika indlela esabelana ngayo yokulinganisa nokuthelekisa ixabiso lezinto ezahlukeneyo. Kwaye kufuneka igcine ixabiso, oko kuthetha ukuba kufuneka igcine amandla okuthenga ngokuhamba kwexesha.

Kwiimbali, izinto ezininzi ziye zasetyenziswa njengemali: amagobolondo, ityuwa, amaso, izinyithi ezixabisekileyo. Igolide nesilivere ekugqibeleni zaba ngaphezulu kuba zazinqabile, zihlala ixesha elide, kwaye zamkelwa kwihlabathi lonke. Kodwa ukuthwala igolide akusebenzi lula, ngoko iibhanki zaqala ukukhupha amanqaku ephepha njengemvume, ngalinye limele igolide egcinwe kwindawo ekhuselekileyo. Eli xesha laziwa njengegold standard.

Kuhamba kwexesha, oorhulumente baqala ukuprinta amaphepha emali angaphezulu kunegolide ababenayo yokuwaxhasa. Emva koko ngo-1971, i-US yaphelisa ngokusesikweni ukuguqulwa kweedola zayo zibe yigolide, isiganeko esaziwa njengeNixon Shock. Ukusukela ngelo xesha, imali yaba yinto abaziingcali kwezoqoqosho abayibiza ngokuba yimali ye-fiat. Igama elithi fiat lithetha "ngomthetho." Imali yethu ayixhaswanga sisixhobo esibonakalayo kwakhona. Ikhona kuphela kuba urhulumente uthi ikhona.

Sasuka kwimali exhaswa yinto ethile, saya kwimali exhaswa ngumntu.

Xa abantu beve igama elithi 'inflation', bahlala becinga ukuba lithetha ukuba amaxabiso ayenyuka.

Kuyinyaniso leyo, kodwa yimpawu kuphela.

Imbangela ephambili yinto esisiseko ngakumbi: imali ngoku inokuveliswa ngobuninzi obungenamda, kwaye abantu abalawula loo nkqubo bayiqela elincinane kakhulu.

Cinga ngento eyenza into ixabiseke.

UMona Lisa wokuqala uxabisa ngaphezu kwazo naziphi na iikopi zawo, hayi kuba ujonga ngcono, kodwa kuba ungowodwa. Ukunqongophala kwenza ixabiso. Lo mthetho uyasebenza nakwimali.

Okukhona kukho iiyunithi ezininzi zento ethile, kokukhona ixabiso layo nganye lehla.

Idola yaseMelika ilahlekelwe ngaphezu kwe-96% yamandla ayo okuthenga ukusukela ngo-1913.

Icheeseburger ebixabisa iisenti ezili-19 ngo-1940 ngoku ixabisa ngaphezulu kwe-R50 namhlanje. Akungenxa yokuba icheeseburger ibe ngcono, koko kungenxa yokuba idola nganye ixabisa kancinci kunangaphambili.

Ugcino lwakho, umvuzo wakho, namandla akho okuthenga konke kuyancipha kancinci kancinci ngokuhamba kwexesha, hayi ngenxa yakho, kodwa ngenxa yendlela inkqubo eyilwe ngayo.

Le yingxaki eyasungulwa iBitcoin ukuyisombulula.

I-Bitcoin yimali yedijithali engaphakathi kwelawulo, inemida, kwaye isebenza ngokupheleleyo ngaphandle kolawulo lukarhulumente neebhanki. Zonke ezo mpawu zintathu zibalulekile.

Ukuba ngaphandle kolawulo oluphakathi kuthetha ukuba akukho gunya liphakathi, akukho rhulumente, akukho shishini likhulu, akukho ndawo enye yolawulo. Umnatha ugcinwa ngabasebenzisi bawo, kwaye nabani na naphi na angathatha inxaxheba. Xa kuthelekiswa nenkqubo yemali yangoku, apho ukuprinta imali okanye ukuvula ibhanki kunzima kakhulu kubantu abaqhelekileyo.

Ukuba inomda kuthetha ukuba akusoze kubekho ngaphezu kwe-21 yezigidi ze-bitcoin ezikhoyo. Elo nani lifakwe ngqo kwinkqubo kwaye alinakutshintshwa ngaphandle kwemvume yomnatha wehlabathi uphela. Njengoko imali ye-fiat isanda ingenamda, i-bitcoin nganye iba nexabiso elingakumbi xa ithelekiswa. Yile ngxaki yokunqongophala imali ye-fiat engenayo.

Ukuba izimeleyo kuthetha ukuba akukho mntu unokuthintela iintengiselwano zakho, abambe imali yakho, okanye atshintshe imithetho. I-Bitcoin ayinakuthintelwa ngendlela engazukwenzeka kwiakhawunti yebhanki.

Olunye uluvo olungachanekanga kukuba i-Bitcoin ayifikeleleki kubantu abaninzi ngenxa yexabiso layo. Kodwa akufuneki uthenge i-bitcoin epheleleyo. Njengoko i-euro yahlulwe ibe zii-senti ezili-100, i-bitcoin yahlulwe ibe zii-satoshi ezizigidi ezili-100. Unganako ukuba ne-bitcoin enexabiso elibalulekileyo ngee-euro ezimbalwa kuphela.

Umnatha usebenza ngabathathi-nxaxheba abathathu: abasebenzisi abathumela nabamkela i-bitcoin, ii-node eziqinisekisa iintengiselwano kwaye ziqinisekise imithetho, kunye nabavukuzi abongeza iibhloko ezintsha kwirekhodi. Elo rekhodi, i-blockchain, likawonkewonke, lihlala ngonaphakade, kwaye liyabonakala kuye nabani na. Akukho magosa aphakathi, akukho bavali-mnyango, kukhanya ngokupheleleyo.

I-wallet yeBitcoin yindlela nje yesicelo esikuvumela ukuba uthumele, wamkele, kwaye ulawule i-bitcoin yakho. Eyona nto ibalulekileyo ekufuneka uyazi phambi kokukhetha enye kukuba ngubani ogcina imali yakho.

Ngubani ngokwenene ogcina i-bitcoin yakho?

Nge self-custodial wallet, ulawula ngokupheleleyo.

Xa uyimisa, ivelisa i-seed phrase: uluhlu lwamagama ali-12 okanye ali-24 aqhelekileyo alandelelana ngendlela ethile. La magama asisigcino sakho, apho izitshixo zabucala ze-wallet yakho ziveliswa khona. Nabani na onawo angabuyisela i-wallet yakho aze alawule imali yakho.

Yibhale phantsi ephepheni uze uyigcine kwindawo ekhuselekileyo, ngaphandle kwe-intanethi. Ungaze uyithathe ifoto, uyithumele nge-imeyile, okanye uyigcine kwi-digital. Khumbula: nabani na onala magama unokufikelela kwi-bitcoin yakho, kwaye ukuba uwalahlekelwa ngaphandle kwesisigcino, i-bitcoin yakho ilahlekile ngonaphakade.

Nge custodial wallet, inkampani igcina i-bitcoin yakho egameni lakho, njengasebhankini.

Ukumisa kulula kwaye awudingi ukulawula i-seed phrase, nto leyo eyenza ezi wallets zilungele imali encinci kunye nokusebenzisa imihla ngemihla. Ingxaki kukuba uthembele kule nkampani ngemali yakho, kwaye ukuba bayayivala i-akhawunti, bahlaselwa, okanye bayavalwa, unokungakwazi ukufikelela kwiimali zakho.

Isivakalisi esiluncedo kwihlabathi leBitcoin: akukho zitshixo zakho, akukho mali yakho.

Nazi ezinye iindlela ze-wallets onokuzizama ngokwakho. Njengesiqhelo, phanda ngokwakho kwaye uqonde into oyenzayo phambi kokufaka imali ongazimisele ukuyilahlekelwa.

Self-custodial wallets

Custodial wallets

Ukuqala, nayiphi na kwezi self-custodial wallets zikhankanyiweyo ziindlela ezaziwayo ezikukhokelela kwinkqubo yokudala i-seed phrase.

Kwintlawulo encinci yemihla ngemihla, iBlink kunye neWallet of Satoshi zi-wallets zeLightning ze-custody. Zikhawuleza, zixabisa kancinci, kwaye zilungele abaqalayo.

I-Lightning Network linqanaba elakhiwe ngaphezulu kwe-blockchain ye-Bitcoin eyenzelwe ukuthengiselana okukhawulezayo, okungabizi kakhulu, kufanelekile ukusetyenziswa kwemihla ngemihla.

Imali ye-fiat yonakele ngokuyilwa kwayo

Inkqubo yakhiwe ngendlela ethe chu etshintshela amandla okuthenga kude kubagcini-mali abaqhelekileyo iye kwabo balawula unikezelo lwemali. Oku akusiyongqokelela-mfihlo, kuyabonakala kwidatha kwaye kuqinisekisiwe yimbali.

I-Bitcoin yindlela yokwenene enye

Ukusukela ngo-2009, bekukho uhlobo lwemali olunqabileyo, olungathathi hlangothi, kwaye luvulelekile kuye nabani na, olunika kwakhona imisebenzi ephambili yemali ekufuneka iyenzile ngaphandle kokufuna ukuthembela nakwaziphi na iziko okanye igunya.

Ukuqala kulula kunokuba ucinga

Khuphela i-wallet, funda indlela yokuyisebenzisa, uze uqale kancinci. Akufuneki uqonde yonke into phambi kokuthatha inyathelo lokuqala. Ukuqonda kuza ngokwenza.

Oku kusekuqaleni nje

I-Bitcoin Diploma liyinyathelo elilandelayo, elakhelwe phezu koko ukufundileyo apha. Hlala unomdla, uqhubeke ubuza imibuzo, kwaye wamkelekile emngxunyeni wempuku. Funda ngakumbi kwi-www.myfirstbitcoin.org