Cryptocurrencies

Kwa okonda ukadaulo, ma cryptocurrencies, monga Bitcoin, Litecoin ndi Ethereum, amatengedwa kale ngati ndalama zamtsogolo.

Popanda ngongole kapena makhadi a ngongole, chitsanzo chatsopanochi chimatha kuchita zochitika zapadziko lonse pamitengo yotsika kwambiri kusiyana ndi ndalama zachikhalidwe.

Katunduwa samayendetsedwa ndi bungwe lililonse lovomerezeka kapena kukhazikitsidwa ndi bungwe lililonse lazachuma, koma amakumbidwa ndi opanga mapulogalamu.

Ndipo ndikuti ma cryptocurrencies adatulukira ndendende kuti atsutse mabungwe akulu azachuma ndikupatsa ogwiritsa ntchito ufulu wokulirapo.

Kodi mukufuna kudziwa zambiri za msika pafupifupi ndalama? Werengani zonse zomwe muyenera kudziwa mu positi iyi.

Cryptocurrencies: ndi chiyani?

Ma Cryptocurrencies ndi ndalama zenizeni zomwe zimagwiritsa ntchito cryptography kutsimikizira chitetezo chazomwe zimachitika pa intaneti.

Kwenikweni, cryptography imagwira ntchito ngati manambala amtundu kapena zikwangwani zomwe zimagwiritsidwa ntchito pamapepala kuti tipewe kuba, mwachitsanzo.

Pankhani ya cryptocurrencies, zizindikiro zobisikazi ndi zizindikiro zomwe zimakhala zovuta kwambiri kuti ziwonongeke. Izi ndizotheka chifukwa cha blockchain, ukadaulo womwe umagwira ntchito ngati leja yayikulu.

Zochita zingapo ndi zipika zimajambulidwa, zimafalikira pamakompyuta angapo. Zochita zonse zimatsekedwa ndi cryptography, zomwe zimatsimikizira kusadziwika kwa omwe amachita.

Mabanki ndi mabungwe azachuma padziko lonse lapansi, kuphatikiza Banki Yaikulu ya Spain ndi mayiko aku Latin America, awonetsa chidwi chogwiritsa ntchito blockchain pakusamutsidwa kwa interbank, mwachitsanzo.

Ngakhale ali ndi ukadaulo wosiyanawu, m'machitidwe, ma cryptocurrencies amagwiritsidwa ntchito pazifukwa zofanana ndi zina zilizonse.

Izi zikutanthauza kuti amagula katundu ndi ntchito pa intaneti. Popeza sizimaganiziridwa kuti ndi ndalama zovomerezeka, sizimakhudzidwa ndi kutsika kwa msika kapena kukwera kwa mitengo.

Kuphatikiza apo, amasinthidwa ndi ndalama zachikhalidwe - kapena zaboma- ndi mosemphanitsa.

Kodi Bitcoin anabadwa liti?

Bitcoin idapangidwa mu 2009 ndi Satoshi Nakamoto. Dzina lake silingadziwike motsimikizika ndipo dzina lake likhoza kukhala lachinyengo.

Panthawiyo panali kusakhutira kwakukulu ndi mabanki akuluakulu ndi momwe amachitira zinthu zokayikitsa, kunyenga makasitomala ndi kulipira makomiti ankhanza.

Zochita izi, pamodzi ndi kusowa kwa kayendetsedwe ka mndandanda wa zotetezedwa pamsika, zinathandizira kuti pakhale vuto lalikulu la zaka za m'ma XNUMX mpaka pano.

Mu 2008, mabanki adapanga kuwira kwa nyumba popereka ngongole zotsika mtengo kwa makasitomala osiyanasiyana.

Ndalamazo zinabwerekedwa ngakhale kuti anthuwa sanakwaniritse zofunikira, zomwe zimasonyeza kuti adzatha kubweza ngongoleyo.

Ndi kuchuluka kwa kufunikira, mitengo ya katundu idayamba kukwera kwambiri pomwe eni nyumba adazindikira kuti atha kuchita bwino ndi anthu ambiri omwe akufunafuna malo atsopano.

Koma ambiri a iwo analibe njira zofunikira zopezera ndalama, popeza anali paulova kapena analibe ndalama zokhazikika. Ngongole yamtunduwu idadziwika kuti subprime.

Kuti zinthu ziipireipire, mabanki adayesa kupezerapo mwayi makasitomala omwe sanathe kubweza ngongolezo popanga zitetezo pamsika wandalama.

Zitetezozo zinathandizidwa ndi ngongole za subprime ndipo zinagulitsidwa ku mabungwe ena azachuma ngati kuti anali odalirika opereka ndalama. Koma kunena zoona anali vuto lalikulu.

Pankhani ya vutoli, gulu la Occupy Walt Street linatuluka, kutsutsana ndi machitidwe ozunza, kusowa ulemu kwa ogula, kusowa kuwonekera komanso momwe mabanki akuluakulu angagwiritsire ntchito ndalama.

Ndipo Bitcoin idawonekeranso ngati kukana dongosolo lazachuma. Kwa oimira ake, cholinga chake chinali kupanga wogulitsa ndalama kukhala wofunika kwambiri.

Anthu apakati akanathetsedwa, chiwongoladzanja chidzathetsedwa ndipo kuchitapo kanthu kukanakhala koonekera bwino.

Pachifukwa ichi, kunali koyenera kupanga dongosolo lokhazikika lomwe ndalama zikhoza kuyendetsedwa ndi zomwe zinkachitika popanda kudalira mabanki.

Kodi kuchuluka kwa kugwiritsa ntchito Bitcoin ndi kotani?

Pakalipano, Bitcoin ikuvomerezedwa kale m'madera ambiri padziko lapansi, osati ku United States kokha.

Ndalama zenizeni zitha kugwiritsidwa ntchito kugula zodzikongoletsera ku REEDS Jewelers, mwachitsanzo, tcheni chachikulu chodzikongoletsera ku United States. Mutha kulipiranso bilu yanu kuchipatala chapayekha ku Warsaw, Poland.

Masiku ano ndizotheka kale kugwiritsa ntchito Bitcoins ngakhale muzochita ndi makampani okhudzana ndi teknoloji. Ena mwa iwo ndi Dell, Expedia, PayPal ndi Microsoft.

Kodi ndalama zenizeni ndi zotetezeka?

Bitcoin ndi cryptocurrencies nthawi zambiri zimakhudzidwa ndi mitundu yosiyanasiyana ya ma cyberattack, kuphatikiza:

  • yofuna
  • Estafa
  • Supply chain attack

Pakhala palinso nkhani yoti kompyuta yosalumikizidwa ndi intaneti idabedwa, kuwonetsa momwe zilili zovuta mudongosolo.

Koma, pamapeto pake, ndalama zenizeni nthawi zambiri zimakhala zotetezeka chifukwa chazinthu zitatu. Pansipa tikufotokozera zomwe zikuphatikiza.

Kuphatikiza

Ndalamayi sikuti imangokhala encrypted, koma ndondomekoyi ndi yovuta kwambiri pazochitika zake, chifukwa imathandizidwa ndi dongosolo lapadera, lomwe ndi blockchain.

Dongosolo laukadaulo lili ndi gulu la anthu odzipereka omwe amathandizana kuti ntchitozo zichitike mudongosolo.

Izi zimawonetsetsa kuti zambiri za ogwiritsa ntchito zimasungidwa pamalo osiyana. Izi zimapangitsa kuti ntchito ya hacker iliyonse yoyipa ikhale yovuta.

dongosolo la anthu

Mbali imeneyi ndi yotsutsana, ndiko kuti, imatsogolera kukhulupirira zosiyana. Kupatula apo, china chake chokhala ndi mwayi wosasankha chimakhala chosavuta kuti anthu omwe ali ndi zolinga zoyipa afikire, sichoncho?

Mfundo yakuti ndalama za crypto ndi zapagulu zikutanthauza kuti zochitika zonse zimachitika mowonekera ndipo zimapezeka ngati omwe akukhudzidwa ndi osadziwika.

Ndikovuta kuti wina azibera kapena kubera dongosolo. Komanso, zochita sizingasinthe. Chifukwa chake palibe njira yofunsira kuti mubwezere ndalama zanu.

Kupititsa patsogolo

Dongosolo la ndalama zenizeni limagawidwa chifukwa limapangidwa ndi ma seva angapo padziko lonse lapansi.

Kuphatikiza apo, ili ndi zida za 10.000 zomwe zimapanga dongosolo (node) ndikusunga zochitika zonse.

Tanthauzo la izi ndi losavuta: ngati chinachake chichitika ku imodzi mwa ma seva kapena node, zikwi za ena akhoza kutenga pamene gawo la dongosololi linachoka ndikupitiriza.

Izi zikutanthauza kuti ndizovuta kuyesa kuthyolako ma seva, chifukwa palibe chomwe wina angabe chomwe ma seva ena sangathe kuchiletsa.

Ndani amalamulira cryptocurrencies?

Ma Cryptocurrencies samayendetsedwa, ndiko kuti, palibe maulamuliro kapena mabanki apakati omwe ali ndi udindo wowongolera.

Chifukwa cha chikhalidwechi, amatha kusinthana pakati pa anthu popanda kukhala ndi mabungwe azachuma kapena oyimira ena.

Katunduyu adapangidwa ndendende kuti athane ndi kukhazikitsidwa kwa mabungwe akuluakulu, monga mabanki kapena maboma, omwe amawongolera ndalama zambiri zomwe zikuyenda padziko lapansi.

Chifukwa chake, ndalama zenizeni zitha kugwiritsidwanso ntchito m'dziko lililonse, popanda malire ochepera kapena opitilira apo.

Kuphatikiza apo, ntchito zawo zili ndi ma komisheni otsika kuposa omwe amalipidwa ndi amkhalapakati ndi mabungwe azachuma ambiri.

Kodi ma cryptocurrencies amaperekedwa bwanji?

Ndalama zenizeni zidapangidwa ndi opanga mapulogalamu. Chifukwa chake, amaperekedwa ndi mapulogalamu amigodi a digito ndi zochitika zomwe zimafuna kuthetsa mavuto a masamu.

Aliyense angathe kuyesa kuthetsa mavutowa. Chifukwa cha izi, ndalama zenizeni zimaperekedwa ndi njira yapagulu.

Koma zomwe zimachitika ndikuti wopanga ndalamazo ali ndi zokonda komanso zopindulitsa kwakanthawi kuposa ogwiritsa ntchito ena. Ikani gawo lalikulu la ndalama zomwe zaperekedwa m'manja mwanu ngati mukufuna.

Kodi ma wallet a cryptocurrency amagwira ntchito bwanji?

Ma wallet a ndalama za digito amagwira ntchito ngati chikwama chandalama. Pokhapokha, m'malo mosungira mabilu ndi makadi, amasonkhanitsa deta zachuma, chidziwitso cha wogwiritsa ntchito komanso kuthekera kochita malonda.

Ma Wallets amalumikizana ndi data ya ogwiritsa ntchito kuti athe kuwona zambiri monga kusanja komanso mbiri yazachuma.

Choncho, pamene malonda apangidwa, kiyi yachinsinsi ya chikwamacho iyenera kufanana ndi adiresi ya anthu onse yomwe yaperekedwa ku ndalamazo, kulipira mtengo ku akaunti imodzi ndi kuyamikira inayo.

Choncho, palibe ndalama zenizeni, kokha mbiri ya malonda ndi kusintha kwa miyeso.

Dziwani kuti pali mitundu yosiyanasiyana ya cryptocurrency yosungirako wallet. Iwo akhoza kukhala pafupifupi, thupi (hardware chikwama) ndipo ngakhale pepala (chikwama pepala), amene amalola cryptocurrency kusindikizidwa ngati banki.

Komabe, mlingo wa chitetezo umasiyana ndi aliyense wa iwo ndipo si onse omwe amathandiza gulu lomwelo la ndalama. Kuti musankhe pakati pa zikwama zambiri zomwe zilipo, muyenera kuganizira zofunikira zina:

  • Kodi cholinga chogwiritsa ntchito ndalama kapena kugula zinthu wamba?
  • Kodi ndikugwiritsa ntchito ndalama imodzi kapena zingapo?
  • Kodi chikwama cha chikwamachi ndi chamba kapena mungachipeze kunyumba kokha?

Malingana ndi chidziwitsochi ndizotheka kufufuza mbiri yabwino malinga ndi zosowa zanu.

Kodi ma transaction amachitika bwanji?

Kaya mukufuna kugula kapena kugulitsa ma cryptocurrencies, ndikofunikira kulembetsa pamapulatifomu enieni andalama yomwe mukufuna kugwiritsa ntchito.

Kuti mugule pamapulatifomu apadera kwambiri, muyenera kulembetsa deta yanu ndikupanga akaunti yeniyeni.

Chifukwa chake chomwe mukufunikira ndikuwerengera mu reais kuti mugwiritse ntchito. Ndi njira yofanana ndi yogula katundu pa stockbroker wamba.

Kodi ma cryptocurrencies omwe amagwiritsidwa ntchito kwambiri ndi ati?

Pakali pano, pali ndalama zingapo zenizeni pamsika. Mwachiwonekere, ena a iwo apeza malo ochulukirapo ndi kufunika kwake. Pansipa timalemba zomwe zimagwiritsidwa ntchito kwambiri.

Bitcoin

Anali cryptocurrency woyamba anapezerapo pa msika ndipo akadali ankaona msika ankakonda, otsala mu chitukuko zonse.

Ethereum

Ethereum ikuwoneka ngati mafuta opangira makontrakitala anzeru komanso ndalama zomwe zingapikisane ndi Bitcoin m'zaka zikubwerazi.

Ripple

Amadziwika kuti amapereka zotetezedwa, nthawi yomweyo komanso zotsika mtengo, Ripple yadutsa kale mtengo wa Ethereum.

Bitcoin Cash

Bitcoin Cash idakula kuchokera kugawo la Bitcoin blockchain. Chifukwa chake, gwero latsopanoli lakhala njira yosinthira ndalama zachikhalidwe pamsika.

IOTA

Kusintha komanso kutengera intaneti ya Zinthu (IoT), IOTA ndi ndalama zopanda ochita migodi kapena chindapusa chapaintaneti.

Kodi mtengo wa cryptocurrencies ukuyenda bwanji?

Kuwerengera ndalama za crypto kwakhala kofunika kwambiri ndipo izi ndi chifukwa cha kumasuka ndi chitetezo cha njira yatsopano yopangira ndalama.

Kuti mumvetse bwino ubwino wa zochitika zatsopanozi, ndikofunika kulimbikitsa:

  • Msika wa cryptocurrency suyima pomwe umagwira ntchito maola 24 patsiku;
  • Msika wandalama ndiwokwera pomwe ogula ndi ogulitsa akufalikira padziko lonse lapansi;
  • Ndalamayi sisintha chifukwa cha zovuta zandale kapena zachuma m'dziko;
  • Cryptocurrency iliyonse ndi yapadera ndipo ili ndi code yeniyeni ndi mbiri ya kayendedwe kake, choncho ndi yotetezeka;
  • Kuwongolera ndalama kumadalira wogwiritsa ntchito ndipo sikusokonezedwa ndi makampani kapena boma;
  • Zochitazo sizidalira mabanki ndi oyimira pakati, zomwe zikutanthauza kuti mabungwe azachuma salipiritsa ndalama zogwirira ntchito.

Kodi ndikofunikira kugwiritsa ntchito ndikuyika ndalama mu cryptocurrencies?

Kuti mudziwe ngati kuli koyenera kuyika ndalama mu cryptocurrencies, ndikofunikira kuwunika ngati chiwopsezo chomwe chilipo ndi chinthu chomwe mukulolera kupirira.

Pankhani yogwiritsa ntchito ndalama zenizeni pakugulitsa, ziyenera kuganiziridwa ngati pali mabizinesi ambiri omwe ndinu kasitomala omwe amavomereza kulipira kwamtunduwu.

Ma Cryptocurrencies ali ndi zabwino ndi zoyipa zingapo zomwe zitha kukhala chitsogozo popanga pulogalamu kapena kuzigwiritsa ntchito pogula. M'munsimu talemba zazikuluzikulu.

Ubwino wa cryptocurrencies

Ubwino waukulu wa cryptocurrencies ndi:

  • Ubiquity - ndalama za crypto sizimangirizidwa kudziko kapena bungwe lazachuma, kuvomerezedwa padziko lonse lapansi;
  • Chitetezo chapamwamba - ma cryptocurrencies, monga Bitcoin, amagawidwa, popeza alibe gulu lowongolera. Othandizira omwe amayang'anira ma netiweki amafalikira padziko lonse lapansi, zomwe zimachepetsa mwayi woukira pa intaneti. Komanso, iwo ali encrypted kuteteza wotuluka kapena owerenga kuvutika mtundu uliwonse wa kusokonezedwa;
  • Economy: tikaganizira za ndalama, makomiti osiyanasiyana omwe amaphatikizapo komanso kufunika kokhala kasitomala wa banki nthawi yomweyo amabwera m'maganizo. Ndi ma cryptocurrencies, zolipiritsa zomaliza ndizotsika kuposa zomwe zimaperekedwa ndi mabungwe azachuma. Choncho, mtengo wa ndalama ndi wotsika;
  • Phindu lalikulu: Ndalama za Crypto zili ndi mwayi wopeza phindu lalikulu pakusinthasintha kwamitengo yawo. Ndiko kuti, zingakhale zopindulitsa ngati ndalama ndi chiwombolo zapangidwa pa nthawi yoyenera;
  • Transparency - chidziwitso cha cryptocurrency network ndi chapagulu, chomwe chimalola kusuntha kulikonse kapena kutsatiridwa.

Zoyipa za cryptocurrencies

M'malo mwake, ali ndi zovuta zina, monga:

  • Kusakhazikika: Kupindula kwakukulu kuchokera ku ndalama za cryptocurrency kumatha kutha msanga chifukwa chakusakhazikika kwamitengo. Pachifukwa ichi, musanagwiritse ntchito ndalama, ndi bwino kuphunzira msika ndikumvetsera malangizo a akatswiri pofufuza katundu;
  • Deregulation - kugawikana kwa dongosololi kumasiya eni ake a ndalamazo mumtundu wa limbo, ngati ataya ndalama zawo chifukwa cha owononga, mwachitsanzo. Mosiyana ndi mabanki akalowererapo, wobedwayo amatha kukhala chimanjamanja, popeza palibe amene angapemphe chipukuta misozi;
  • Kuvuta: kugula ndalama za crypto kumafuna malingaliro ophunzirira ndikugwiritsa ntchito nsanja zatsopano, zomwe si aliyense amene amazolowera;
  • Nthawi yochitira - Kwa iwo omwe amagwiritsa ntchito makhadi a ngongole, kuchedwa kumaliza ntchito mukamagwiritsa ntchito ndalama za crypto kungakhale kokhumudwitsa.

Tsogolo la cryptocurrencies ndi lotani?

Ngakhale maonekedwe a cryptocurrencies ndi posachedwapa, ndizotheka kuganizira za tsogolo la ndalama zenizeni, makamaka Bitcoin.

Padakali kukayikira za ndalama pafupifupi, komanso kukayikira za osewera waukulu ndi ndondomeko ndandanda.

Koma mchitidwewu ndi woti chidwi chowonjezereka chiperekedwe kuzinthu izi kuti osunga ndalama asamangokhalira chipwirikiti.

Ndizinthu izi komanso kusatsimikizika, ngakhale, zomwe zimapangitsa msika wa cryptocurrency kukhala wosasunthika komanso wowopsa.

Komabe, zomwe zimawonedwa ndikukula kosalekeza kwa ndalama za crypto, popeza malo ochulukirapo amavomereza ndalama za crypto ngati njira yolipira.

Kuwonjezeka kwa kufunikira kwa ndalama za crypto kuyeneranso kupitiriza kuwonjezeka ngati asunga makhalidwe awo apadera.

Mfundo ina yomwe ingalole kusinthika kwa gawoli ingakhale kupanga migodi kukhala yowonekera komanso yofikirika kwa anthu.

Pomaliza, zikuyenera kuwoneka momwe akuluakulu azachuma padziko lonse lapansi athana ndi vutoli. Njira zitha kuchitidwa kuti ma cryptocurrencies aziwongoleredwa monga ena onse.

Kumayambiriro kwa 2020, akuluakulu adakumana ku Davos kuti akambirane ndendende za tsogolo la cryptocurrencies.

Mutu waukulu womwe unakambidwa ndi momwe maulamuliro azandalama, potsatira chitsanzo cha mabanki apakati, amatha kuwongolera ndalama za crypto, kuphatikizapo kutulutsa ndalama zenizeni.

Kuthekera kopanga cryptocurrency yapagulu kumaganiziridwa kale ndi mabanki ena apakati.

Kafukufuku wopangidwa ndi Bank for International Settlements of 66 monetary akuluakulu akuwonetsa kuti pafupifupi 20% ya mabungwe adzatulutsa ndalama zawo za digito mzaka zisanu ndi chimodzi zikubwerazi.

Mwa omwe adavomereza kale izi ndi banki yayikulu yaku US, Fed. Mu Novembala 2019, Purezidenti wa bungweli, Jerome Powell, adavomereza kuti kuthekera kopanga cryptocurrency kunkafufuzidwa.

Momwe mungasungire ndalama mu cryptocurrencies?

Tsopano popeza mukudziwa zambiri zandalama zenizeni, pezani momwe mungayikitsire ndalama za cryptocurrencies kuti musinthe ndalama zanu.

Ndife akatswiri pakupanga ma portfolio osiyanasiyana, ndipo ndalama za crypto zimathandizira kuti pakhale mgwirizano wochepa pakati pa katundu, kuchepetsa kutayika komwe kungachitike pakachitika zovuta.

Kuphatikiza apo, ma cryptocurrencies ali ndi kuthekera kwakukulu kowunikiranso pakanthawi kochepa komanso kwakanthawi. Kuti tikutsimikizireni chitetezo chanu, TecnoBreak imasungitsa gawo lina lazachuma kuti ligawidwe m'magawo, kutengera mbiri ya kasitomala, kulimbitsa kudzipereka kwathu ku zolinga zanu.

Kupyolera mu chiwopsezo cholamulidwa ndi makina odzipangira okha kuti muwunike ndikusankha zinthu zabwino kwambiri pa mbiri yanu, TecnoBreak imalola osunga ndalama kuti asangalale ndi kubweza ndalama popanda kuyika chuma chawo pachiwopsezo. Ngati mukufuna kuwonjezera mitundu iyi yazinthu panjira yanu yopangira ndalama, yambani apa.

TechnoBreak | Zopereka ndi Ndemanga
Logo
Yambitsani kulembetsa mumakonzedwe - onse
Ngolo yogulira