Ubwo yari abajijwe aho uyu mushinga ugeze Rwangombwa yagize ati: “Twarangije gukora inyigo ya mbere yo kureba niba ari ngomba ko dushyiraho amafaranga koranabuhanga. Inyigo yagaragaje ko ari ngombwa bishobora gukorwa kandi ko bikenewe”.

Rwangombwa yakomeje avuga ko hari ibyo BNR iri kuvugana n’andi mabanki akoresha aya mafaranga ariko ko yanaganiriye n’inzego z’imari zitandukanye kuri uwo mushinga hakanakorwaho raporo igashyikirizwa Guverinoma na yo ikaba igomba kuyiganiraho mbere yo kuyitangariza rubanda.c

Yakomeje ati: “Ibyo nibirangira, tuzakora igerageza ry’uko uyu mushinga washyirwa mu bikorwa ndetse n’ikoranabuhanga dushobora gukoresha. Ni umushinga ugikomeza ushobora gufata nko mu myaka ibiri mbere y’uko dutangira gukoresha ifaranga koranabuhanga rya
BNR”.

Gusa BNR igaragaza ko uyu mushinga bitavuze ko uzaba unemerera mu buryo bwemewe ikoreshwa ry’andi mafaranga koranabuhanga ya ‘cryptocurrency’ kuko hari
benshi yagiye ateza ibihombo bikomeye.

Ubwo John Rwangombwa yagarukaga ku aya magaranga mu 2022 yagize ati: “Crypto currency ni ikintu kigoye cyane, tugira inama abantu kubyirinda, harimo amanyanga menshi cyane, mwumvise ikigo cyahirimye muri Amerika muri Bahamas, gihirimana za miliyari ibihumbi by’amadolari by’abantu benshi, cyarabahombeje."

Kuki u Rwanda rushaka gukoresha amafaranga koranabuanga?

Mu 2021 Banki Nkuru y’Igihugu ni bwo yatangiye inyigo igamije kwerekana niba imari n’ubukungu bw’u Rwanda byashobora gukorana n’aya mafaranga, inyungu ku benegihugu ndetse n’uburyo yakoreshwamo.

Ni inyigo yarangiye umwaka ushize yemeje uyu mushinga nyuma y’uko ikoranabuhanga muri serivisi z’imari ari urwego ruri gutera imbere cyane ariko ahanini hakazamo umwihariko w’uko igihugu kibishyizemo ingufu, by’umwihariko u Rwanda rukaba rushyize imbere ikoranabuhanga.

Ubwo yagarukaga kuri nyigo bakiyikora, Visi Guverineri wa BNR, Hakuziyaremye Soraya yagize ati: “Ubu turi mu cyiciro cy’ubushakashatsi mu gusesengura inyungu Abanyarwanda bashobora kugira cyangwa ingaruka ifaranga koranabuhanga rya BNR byagira atari ku bukungu bwacu gusa, ahubwo no muri urwo rwego bitewe n’ubwoko bw’ifaranga twaba tugiye gutangiza”.

Mu 2022 Muhiza Rwamugabo Maurice ukora mu Ishami ry’Umuryango w’Abibumbye rishinzwe Iterambere yabwiye The New Times ati: “Mu by’ukuri, niba u Rwanda rushaka gushyira imbere serivisi z’imari no kuba mu mwanya mwiza mu bukungu bw’Isi mu gihe kiri imbere, rugomba gusuzuma no kwiga neza intambwe zikenewe mu gutangiza ifaranga ryarwo koranabuhanga rya Banki Nkuru”.

Ku Isi hose, ibihugu bimaze gutangiza aya mafaranga ni 11 harimo Bahamas ari na yo yabibanje, Jamaica, u Bushinwa ndetse n’ibindi birimo na Nigeria ari yo yonyine
muri Afurika.

Ese iri faranga rikora rite?

Mbere na mbere ifaranga koranabuhanga (digital currency) ni ifaranga ridafatika mu note n’ibiceri rigenzurwa na Banki Nkuru y’Igihugu runaka. Rikoreshwa
mu kurihererekanya hifashishijwe ibikoresho nka
mudasobwa na telefoni.

Aho ritandukaniye n’asanzwe ni uko yo ashobora guhererekanywa mu buryo bw’ikoranabuhanga ariko akanajya mu note n’ibiceri mu gihe ryo riguma mu ikoranabuhanga mu mibare gusa.

Iri faranga (digital currency) ritandukanye n’irindi ryitwa ‘cryptocurrency’ kuko ryo rikoreshwa mu ikoranabuhanga ariko ritagenzurwa na banki nkuru cyangwa Leta iyo ari yo yose. Muri ‘cryptocurrency’ zizwi cyane harimo nka Bitcoin, Ethereun, Tether USDt n’ayandi atandukanye.

Ni izihe nyungu zo gukoresha ifaranga koranabuhanga?

Impuguke mu by’ubukungu zivuga ko mu Isi y’ikoranabuhanga amafaranga ari mu noti n’ibiceri hari serivisi zimwe na zimwe atoroshya cyangwa se ntizibe zihendutse.

Teddy Kaberuka uzobereye iby’ubukungu avuga ku kamaro k’iri faranga ku Gihugu yabwiye Igihe ati: “Ni 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 uvunjisha inshuro ebyiri, ukavunjisha mu Madorali ukabona kuvunjija mu yo mu Bushinwa”.

Yakomeje agira ati: “Ariko iri faranga koranabuhanga, riba ari ifaranga rimwe abantu bahuriraho, urumva ko ririmo inyungu. Ikindi hari n’ikiguzi kijyana no gucunga ifaranga, haba mu kuyakora ndetse no kuyacungira umutekano”.

Abatunze aya mafaranga aba yizewe nk’andi yose itandukaniro rikaba gusa kuba yo adashobora gufatika mu ntoki. Ahererekanywa akenshi mu buryo bw’amakarita yishurirwaho ibintu binyuranye cyangwa akoherezwa ava ku mashini imwe ajya ku yindi.

Kaberuka yashimangiye ko nta mpungenge biteye ku kuba andi mafaranga asanzwe yaba agiye gucika kuko azakoreshwa bibangikanye nk’uko n’ubundi ubu hari abishyurana mu ikoranabuhanga abandi bagakomeza gukoresha amafaranga afatika bitewe n’impamvu zinyuranye.

Muri zo harimo ababa batabifiteho bumenyi buhagije cyangwa se batazi gusoma no kwandika ahubwo kandi na bo ubuhahirane bugomba gukomeza badasigajwe inyuma. Ariko amaherezo, ni uko Isi iri kugenda igana mu gukoresha aya mafaranga gusa kuko hamwe mu bihugu biteye imbere uburyo bwo kwishyurana ku makarita ari bwo bukoreshwa cyane kurusha mu ntoki.