Digital Currency ni ifaranga ry’ikoranabuhanga rikoreshwa mu kugura ibintu cyangwa serivisi kuri internet ariko rikaba ritahindurwa mu mafaranga afatika.

Amakuru dukesha The New Times avuga ko iri faranga ry’ikoranabuhanga rizaba rigenzurwa na Banki Nkuru y’Igihugu nk’uko bigenda no ku yandi asanzwe akoreshwa.

Ubu buryo bw’amafaranga y’ikoranabuhanga agenzurwa na Banki Nkuru y’Igihugu buzwi nka ’Central Bank Digital Currency (CBDC)’ butandukanye n’ubw’andi mafaranga y’ikoranabuhanga buzwi nka ’Cryptocurrency’ ari n’aho ayo mu bwoko bwa Bitcoin abarizwa.

Bimwe mu bitandukanya Central Bank Digital Currency na Cryptocurrency harimo ko kimwe kiba kigenzurwa na Banki Nkuru y’Igihugu mu gihe ikindi gishobora kugenzurwa n’ubonetse we.

Ibi bituma ikoreshwa rya Central Bank Digital Currency ritagira ingaruka zikomeye ku bukungu nk’uko bigenda kuri Bitcoins.

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.

Gusa ikoreshwa rya Cryptocurrency ibarizwamo amafaranga azwi nka Bitcoin na Ethereum ni ryo ryatumye Guverinoma z’ibihugu birimo Tanzania na Nigeria zitangira kureba uko zatangiza ikoreshwa ry’amafaranga y’ikoranabuhanga ariko zishobora kugenzura.

U Rwanda narwo rubinyujije muri BNR ni kimwe mu bihugu byatangiye kureba uko byakoresha amafaranga y’ikoranabuhanga.

John Karamuka ushinzwe serivisi zo kwishyurana muri Banki Nkuru y’u Rwanda (​BNR) yabwiye The New Times ko mu nyigo bari gukora bari kwibanda ku ngaruka z’iri faranga ku bukungu, imari, n’ikoranabuhanga ndetse n’uburyo rizakoreshwamo bigendanye n’imiterere y’igihugu.

Yavuze ko kugeza ubu nta bihugu byinshi biratangira gukoresha aya mafaranga ku buryo umuntu ashobora kubyigiraho.

Ati "Nubwo bimeze gutyo, turi kurebera ku bihugu bisa n’aho biri ku rwego rwisumbuye, tureba ingaruka mbi n’inziza. Turi kwifashisha ibyakozwe n’ibigo mpuzamahanga nk’Ikigega Mpuzamahanga cy’Imari ku Isi (IMF) n’Ihuriro Mpuzamahanga ry’Ubukungu (World Economic Forum) ndetse n’ibindi."

Ikoreshwa rya ’Central Bank Digital Currency’ ririmo inyungu

Mu kiganiro IGIHE yagiranye n’impuguke mu bukungu, Teddy Kaberuka, yavuze ko ikoreshwa ry’ifaranga ry’ikoranabuhanga rigenzurwa na Banki Nkuru z’Ibihugu ririmo inyungu zitandukanye.

Yagize ati "Byagaragaye ko ari ifaranga rishobora gukemura bimwe mu bibazo ifaranga rifatika rifite, urugero nk’iyo ugiye kugura ibintu hanze, niba ufite Amanyarwanda iyo ugiye mu Bushinwa si yo ujyana urabanza ukayavunjisha, akenshi usanga uvungisha inshuro ebyiri, ukavunjisha mu Madorali ukabona kuvunjija mu yo mu Bushinwa wagira n’asaguka bikagusaba kuyasubiza mu Manyarwanda, urumva bibamo ibihombo."

"Ariko iri faranga ry’ikoranabuhanga, aba ari ifaranga rimwe abantu bahuriraho, urumva ko ririmo inyungu. Ikindi hari n’ikiguzi kijyana no gucunga ifaranga, haba mu kuyakora ndetse no kuyacungira umutekano. Uzarebe nk’iyo Banki Nkuru y’Igihugu ivanye amafaranga mu ntara iyazanye i Kigali uba usanga aherekejwe kandi turabizi ko hari ibihugu byinshi amafaranga yibwa. Ibyo byose ni ibihombo biterwa no kuba ufite amafaranga afatika."

Teddy Kaberuka yakomeje avuga ko kuba u Rwanda rwatangira gukoresha ifaranga ry’ikoranabuhanga bitavuze ko ruzahita ruhagarika ikoreshwa ry’amafaranga asanzwe.

Ati "Kubera ko ibihugu biri mu nzira y’amajyambere bifite, ibibazo byo kuba abantu bose bataragera ku iterambere, haracyari n’abantu batazi gusoma no kwandika. Navuga ko uburyo bwombi buzakomeza gukora ni nk’uko haje uburyo bw’ikarita ariko sheki zigakomeza gukora muri banki, ni nk’uko haje guhererekanya amafaranga kuri telefone ariko n’amafaranga abantu bagendana agakomeza gukoreshwa."

"Icyo ibihugu bikora ni uguhuza ubwo buryo bwombi hatazagira umuturage ubura uko abaho kubera ko hari ibyaje atabasha. Uko igihe kigenda kimwe kigenda gisimbura ikindi nk’ubu nk’umubare w’amafaranga akorwa waragabanutse kubera ko abantu basigaye bakoresha ikoranabuhanga."

Teddy Kaberuka yavuze ko hatangiye ikoreshwa ry’ifaranga ry’ikoranabuhanga rigenzurwa na banki byakuraho impungenge abantu bajyaga bagira mu bijyanye n’ikoreshwa rya Cryptocurrency bumva ko isaha n’isaha bashobora guhomba kandi ntihagira uwo babaza igihombo cyabo. Kugeza ubu ntiharatangazwa igihe iri faranga rishobora gutangira gukoreshwa mu Rwanda.

Banki Nkuru y'Igihugu iri mu myiteguro yo kureba uko u Rwanda rwatangira gukoresha ifaranga ry'ikoranabuhanga