Ngendaba ngayinye yezindaba mayelana nokukhwabanisa kwe-cryptocurrency noma ihlazo elisha elihilela osaziwayo abahlotshaniswa nezinkampani zokubheja kwezemidlalo, i-Bets ethandwayo, umuzwa uwukuthi izwe elingaphansi kobugebengu lihamba phambili kakhulu kunezwe eliphucukile ngamasu alo okuguqula izinsiza ezitholwe ngokungemthetho zibe yizimpahla ezibonakala zisemthethweni, okubizwa ngokuthi ukuhlanzwa kwemali.
Ekugcineni, uma sibheka umsindo ovela ezweni lebhizinisi wezinto ezintsha eziholela ekuveleni nasekusabalaleni kwezindlela ezifana ne-cryptocurrencies, kanye nomsindo odumile wendlela yokuhlanganisa okuwusizo (ukwenza imali) nokuzijabulisa (ukwethemba iqembu lakho olithandayo) ekubhejeni, singakuqapha kanjani ukwenzeka kwezinkulungwane zezentengiselwano njalo ngomzuzu ukuze sivimbele konke lokhu okuhle ekusetshenzisweni ukuxhasa imisebenzi yobugebengu kanye nobuphekula, isibonelo?
EBrazil, uMthetho No. 9,613 ka-1998, owaziwa ngokuthi uMthetho Wokuhlanza Imali, uyisisekelo esisemthethweni esichaza ubugebengu futhi simise izinhlawulo ezinzima kulabo abathintekayo. Ngaphezu kwalokho, wadala uMkhandlu Wokulawula Imisebenzi Yezezimali (i-COAF), onesibopho sokwamukela imibiko yokuthengiselana okusolisayo nokukhiqiza ubuhlakani bezezimali ukulwa nalolu hlobo lobugebengu.
Ngakolunye uhlangothi, iBhange Eliphakathi lisebenza ngqo ngaphakathi koHlelo lwaseBrazil Lokuvimbela Nokulwa Nokuhlanzwa Kwemali kanye Nokuxhaswa Ngezimali Kobuphekula (PLD/FT). Lilawula imithetho yezikhungo zezimali ukuthi zisebenzise izinqubomgomo ze-PLD/FT, liqaphe futhi libheke ukulandelwa kwazo futhi lisebenzise izijeziso zokuphatha uma kudingeka. Ngaphezu kwalokho, iBhange Eliphakathi ligcina iNational Financial System Customer Registry (CCS) futhi libika imisebenzi esolisayo ku-COAF (Council for Financial Activities Control) kanye neHhovisi Lomshushisi Womphakathi.
Kodwa empeleni, ubuchwepheshe buyisihluthulelo sokuvimbela ukuhlanzwa kwemali. Amathuluzi okuhlaziya idatha athuthukisiwe avumela izikhungo zezimali ukuthi zithole amaphethini emisebenzi esolisayo futhi zithole amacala angaba khona. Kunconywa ukusetshenziswa nokuhlanganiswa kwesofthiwe ekhethekile ukuze kuthuthukiswe ukusebenza kahle kokutholwa nokuqinisa ukuthobela imithetho kanye nezinqubo zokuhlola zangaphakathi.
Esinye sezimfuneko eziyisisekelo kulokhu ukuthi izikhungo zezimali zibe nokuqonda okujulile ngamakhasimende azo. Lokhu kuhilela ukwenza ukuhlonza okuphelele kwabo bonke abathintekayo ekuthengiselaneni kwezezimali, kokubili abantu ngabanye kanye nezinhlangano zomthetho. Inqubo ye-KYC ayigcini nje ekuqoqeni amadokhumenti; ihlanganisa nokuqinisekisa imvelaphi yezimali kanye nokuhlaziya njalo ukuthengiselana ukuze kutholakale ukuziphatha okusolisayo.
Ekhathazekile ngale ndaba, uFebraban uzobamba uhlelo lwe-14 lweCongress on Prevention of Money Laundering and Terrorist Financing (PLDFT) eSão Paulo phakathi kuka-Okthoba 15 no-16, okubhekwa njengomcimbi omkhulu kunayo yonke kule ndaba eBrazil. Akumangazi ukuthi isihloko esiyinhloko salo nyaka sizoba "Indlela ehlanganisiwe phakathi kwezindawo zokulawula".
Lolu hlelo luzovumela ukuzindla ngezihloko ezibucayi nezinamasu, hhayi nje kuphela emabhange, kodwa nasemphakathini wonke, ogcina usongelwa yilo mkhuba ngandlela thile.
Ezinye zezihloko esezichaziwe zifaka: "Izinselele ekusebenzisaneni kwamaYunithi Obuhlakani Bezezimali", "Izenzo zamasu okulwa nokuvimbela imisebenzi engekho emthethweni", "Ukusetshenziswa kobuhlakani bokwenziwa ku-AML/CFT", "Ukubheja kwezemidlalo kanye nemiphumela yako" kanye "nobugebengu bezenhlalo nezemvelo - umsebenzi wezigqila, ukuhlanzwa kwemali kanye nenkohlakalo".
Njengoba singabona kusukela ebanzi bezingxoxo, kuba yinto engavamile ukucabanga ukuthi umthetho omusha noma ikhambi elisha lobuchwepheshe lilodwa lizokwazi ukubhekana nale nselele.
Kulesi simo, ukwabelana ngolwazi kanye nobuchwepheshe obuhlanganisiwe kuyindlela kuphela yokuqinisa ukulwa nobugebengu bezezimali kanye nokunciphisa izingozi ezihlobene nokuhlanzwa kwemali, ukuqinisekisa ukulandelwa kwemithetho yamanje.
