Kuva muri Mutarama 2024, zimwe mu guverinoma zakoze amahame agenga uburyo bwo kurinda abarikoresha, mu gihe izindi zigitekereza icyo zikora.

Iby'ingenzi Wamenya

• Ifaranga rikoreshwa hakoreshejwe ikoranabuhanga rimaze kuba ingenzi mu ishoramari mpuzamahanga, ibihugu byagiye bifata uburyo butandukanye bwo kurigenzura.

• Umuryango w'Ubumwe bw'Uburayi (EU) wabaye uwa mbere mu gushyiraho ingamba zisaba abatanga serivisi zifaranga rikoreshwa hakoreshejwe ikoranabuhanga (crypto service providers) kumenya no guhagarika ikoreshwa ryaryo mu buryo butemewe.

• Muri Leta Zunze Ubumwe za Amerika, gukorera ku mategeko bigenda buhoro buhoro, ariko abakoresha, abatanga serivisi, ibigo n'abagenzuzi bari mu ntambara mu nkiko.

Muri Leta Zunze Ubumwe za Amerika

Leta Zunze Ubumwe za Amerika zashyizeho amabwiriza mashya muri 2022 yahaye abagenzuzi b'isoko basanzwe nka SEC (Securities and Exchange Commission) na CFTC (Commodity Futures Trading Commission) ububasha bwo kugenzura ifaranga rikoreshwa hakoreshejwe ikoranabuhanga. SEC iri mu bikorwa byo kugenzura iki kiciro cy'ifaranga, ikaba imaze kugira urutonde rurerure rw'inyandiko zirega ibigo byibanda ku ifaranga rikoreshwa hakoreshejwe ikoranabuhanga, nka Ripple, Coinbase, na Binance.

Mu 2023, urukiko rw'ikirenga rwategetse ko igurishwa rya XRP rya Ripple ari ibicuruzwa by'amasoko gusa igihe byagurishijwe ku bigo, ariko atari igihe byagurishijwe ku masoko rusange. Ibi byari intsinzi imwe y'akanya gato ku ruganda rwa crypto, ikurikirwa n'icyemezo mu Ugushyingo cyatesheje agaciro kwanga kwa Komisiyo ku gusaba Grayscale guhindura Bitcoin ETF Trust yayo ikaba ETF ifite Bitcoin. Urukiko rwatumye Komisiyo isubira mu kureba iyo dosiye, bikaba byaraje gutuma habaho kwemezwa kwa Bitcoin Spot ETFs bwa mbere muri Mutarama 2024.

Uku guhangana kudashira hagati y'abagenzuzi, abacuruzi, abashoramari, n'uruganda rwa crypto byerekana ko muri Amerika, ingamba zigikorwa nubwo hashyizweho amahame n'ububasha ku bagenzuzi.

Mu bindi bihugu

Ubushinwa

Banki Nkuru y'Ubushinwa (PBOC) yarabujije ibigo bya crypto gukora mu gihugu, ivuga ko bitanga ubufasha mu gushaka amafaranga mu buryo butemewe. Ubushinwa bwabujije Bitcoin mining muri Gicurasi 2021, .

Kanada

Kanada yemeje ETF za Bitcoin bwa mbere ku isi, kandi ikigo cyayo cya CSA (Canadian Securities Administrators) na IIROC (Investment Industry Regulatory Organization of Canada) bisaba ko ibigo by'ubucuruzi bya crypto byandikwa ku rwego rw'intara.

Ubwami bw'u Bwongereza

Mu Ukwakira 2022, inama y'abadepite mu Bwongereza yemeje ko crypto ari igikoresho cy'imari gikoreshwa n'amategeko. Itegeko rya Financial Services and Markets ryashyizwe mu bikorwa muri Kamena 2023, ryongera amategeko ku bijyanye na crypto.

Ubuyapani

Ubuyapani bwemera ifaranga rya crypto nk'umutungo wemewe mu Itegeko rya Payment Services Act. Ibigo by'ubucuruzi bya crypto bigomba kwiyandikisha mu Kigo cy'Ubugenzuzi bw'Imari (FSA) kandi bikubahiriza amabwiriza ya AML/CFT.

Ositaraliya

Ositaraliya yemeza cryptocurrencies nk'umutungo wemewe, ishyiraho imisoro y'inyungu. Ibigo by'ubucuruzi bigomba kwiyandikisha muri AUSTRAC kandi bigakurikiza amabwiriza ya AML/CTF.

Singapore

Singapore ivuga ko cryptocurrency ari umutungo, ariko si ifaranga ryemewe mu mategeko. Ikigo cy'imari cya Singapore (MAS) kigena kandi kigategeka imikoreshereze y'amafaranga ya crypto.

Koreya y'Epfo

Muri Koreya y'Epfo, ibigo by'ubucuruzi bya crypto bigomba kwiyandikisha muri KFIU. Koreya y'Epfo yabujije amafaranga ya crypto atanga ubwiru (privacy coins) mu 2021. Muri 2023, itegeko rigenga kurinda abakoresha amafaranga ya virtual ryashyizweho.

Ubuhinde

Ubuhinde ntiburagira umwanzuro kuri crypto, ariko itegeko ririmo riragenzurwa rishobora kubuza cryptocurrencies z'abikorera. Imisoro y'ibyinjijwe muri crypto iragera kuri 30%, hamwe na 1% ya TDS ku bicuruzwa bya crypto.

Brezili

Bitcoin si ifaranga ryemewe muri Brezili, ariko igihugu cyemeje ifaranga rya crypto nk'uburyo bwo kwishyura. Itegeko ryashyizweho muri Kamena 2023, ryemeje Banki Nkuru ya Brezili nk'urwego rushinzwe kugenzura ibikorwa by'ubucuruzi bwa crypto.

Umuryango w'Ubumwe bw'Uburayi (EU)

Cryptocurrency ni ifaranga ryemewe muri EU, ariko kugenzura ubucuruzi bwayo bireba ibihugu bigize uwo muryango. EU yashyizeho amabwiriza akomeye ya AML/CFT kandi yemeje Markets in Crypto-Assets Regulation (MiCA) mu 2023 kugira ngo yongere uburinzi ku barikoresha.

Umwanzuro

Cryptocurrency yabayeho kuva mu 2009, ariko guverinoma n'abagenzuzi ku isi hose baracyari mu nzira yo kumenya uburyo bariha umurongo bakarishiriraho amategeko arigenga kunyungu zabashoramari ndetse nabarikoresha.

#intogorefintech

Prepared by jambo jean luc