Muri Kamena 2021 nibwo bwa mbere Banki Nkuru y’u Rwanda yatangaje ko iri gusuzuma niba ari ngombwa ko u Rwandaruyoboka inzira yo gukoresha ‘Digital Currency’.
‘Digital Currency cyangwa’ se ‘Central Bank Digital Currency (CBDC)’ ni ifaranga ry’ikoranabuhanga rikoreshwa mu kugura ibintu cyangwa serivisi kuri internet ariko rikaba ritahindurwa mu mafaranga afatika.
Bitandukanye n’ubundi bwoko bw’amafaranga buzwi nka ‘Crypto Currency’ ari na bwo bubarizwamo Bitcoin, aya mafaranga yo agenzurwa na Banki Nkuru y’Igihugu mu gihe andi ashobora kugenzurwa n’ubonetse we. Ibi bituma ikoreshwa rya Central Bank Digital Currency ritagira ingaruka zikomeye ku bukungu nk’uko bigenda kuri Bitcoins.
John Rwangombwa yavuze ko kugeza ubu hatarafatwa umwanzuro niba u Rwanda ruzakoresha iri faranga ry’ikoranabuhanga cyangwa niba ruzaryihorera kuko byose bikiri mu nyigo.
Ati “Ibijyanye n’ifaranga ry’ikoranabuhanga rya Banki Nkuru y’Igihugu turimo turabyiga, ntabwo turageraho aho tuvuga ngo tugiye kubitangiza, ku bw’ibyo ntabwo navuga ngo tuzabitangiza ejo cyangwa ejobundi.”
“Ni ibintu bikiri mu nyigo, iyo nyigo nirangira nibwo tuzafata icyemezo cy’uko twaritangiza tukarikoresha kubera ko rifitiye Abanyarwanda akamaro cyangwa se tugasagasanga bidafitiye ubukungu bwacu n’Abanyarwanda muri rusange tugahitamo kurikoresha.”
Yakomeje avuga ko ibizava muri iyo nyigo ari byo bizagena ikizakorwa. Ati “Ntabwo rero turavuga ngo tugiye kuritangiza ahubwo turi mu nyigo zo kureba niba rikenewe. Iyo nyigo nirangira nibwo tuzareba tukavuga tuti ’dore akamaro rifite, tugiye kuritangiza dore uko rizakora.”
Mwitondere ‘Cryptocurrency’
Central Bank Digital Currency na Cryptocurrency bihuriye ku kuba byose bikoresha ikoranabuhanga rifasha mu gukurikirana ibikorwa by’ubucuruzi bikozwe hifashishijwe internet rizwi nka Blockchain. Gusa kuri Central Bank Digital Currency ibi bikorwa biba biri mu ibanga mu gihe, kuri Cryptocurrency biba biri ku karubanda.
Hashize iminsi hari ikigo cyitwa ‘Yellow Card’ cyamamaza ko cyatangije ibi bikorwa byo gucuruza aya mafaranga abarizwa muri Cryptocurrency mu Rwanda.
Abajijwe ku mikoreshereze y’aya mafaranga mu Rwanda, John Rwangombwa yavuze ko kugeza ubu mu Rwanda nta buryo buhari bwo kuyavunja.
Ati “Cryptocurrency hashize igihe mu Rwanda twaragiriye abantu inama ko bayitondera. Kuko uyu munsi uracuruza ukoresheje iri faranga hanyuma ubigenze gute, nta hantu uzajya mu Rwanda ngo ufate aya mafaranga uyavunjemo Amanyarwanda.”
Yakomeje avuga ko abashaka kuyacuruza cyangwa kuyagura bakoresheje ikoranabuhanga BNR itababuza ariko yibutsa ko ari ifaranga ririmo ibibazo byinshi.
Ati “Ariko niba umuntu azajya mu ikoranabuhanga akarigura yarangiza akarigurisha abantu bo hanze bafite uko babigenza ntabwo tuzajya kugenzura uko bikorwa ariko mu Rwanda nta buryo dufite bwo kuvunja iri faranga."
Yakomeje asaba Abanyarwanda kwitondera iri faranga. Ati “Ikindi harimo amanyanga menshi cyane ku rwego mpuzamahanga bituma rero twumva ko abantu baryitondera nta bugenzuzi bifite bwimbitse ku rwego mpuzamahanga, ugiye kubijyamo ubwo ni ukwirengera n’ingaruka zabyo.”
“Nta kibazo turabona uyu munsi cyadutera kubihagarika cyangwa ngo tubirwanye nk’uko hari ibihugu bimwe na bimwe byari byasaze barabirwanya, inama tugira abantu gusa ni uko babyitondera.”
Impuguke mu bukungu zigaragaza ko hatangiye ikoreshwa ry’ifaranga ry’ikoranabuhanga rigenzurwa na Banki Nkuru y’Igihugu byakuraho impungenge abantu bajyaga bagira mu bijyanye n’ikoreshwa rya Cryptocurrency bumva ko isaha n’isaha bashobora guhomba kandi ntihagire uwo babaza igihombo cyabo.
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