Ibi birajyana n’uko umushinga w’itegeko rigenga Umutungo Koranabuhanga (Virtual Assets) mu Rwanda, wemejwe n’Inama y’Abaminisitiri yabaye ku wa 4 Werurwe 2026, iri tegeko rikaba rigamije gushyiraho imfashanyigisho n’amategeko agenga ikoreshwa ry’ikoranabuhanga mu by’imari.

Duhereye ku rugero rw’inzu iri mu Rwanda, izahabwa agaciro muri rya faranga koranabuhanga, bityo ibe yakwemerwa na Banki yo hanze y’u Rwanda, nk’uko bisobanurwa na Robert Ford Nkusi, uhagarariye ikigo gikora ubucuruzi bwifashisha ikoranabuhanga, Yellow Card.

Agira ati “Ubusanzwe wafataga umutungo wawe, urugero inzu, ukawujyana muri banki bakaguha amafaranga wenda yo kujya gucuruza, ariko iyo ngwate ikemerwa mu Rwanda gusa. Muri iri koranabuhanga rero, uwo mutungo wawe ntuzaba ubarirwa mu mafaranga y’u Rwanda, Amadolari se cyangwa Amayero, bazawuhinduramo ibyitwa ‘Tokens’. Aha rero uwo mutungo ugira agaciro gafite ubuziranenge bwo hejuru cyane (Blockchain) kandi ku Isi hose, ukaba wakwakirwa nk’ingwate mu mabanki yo hanze, akenshi anasaba inyungu iri hasi”.

Yungamo ati “Iri tegeko nirimara gusohoka, rizafasha ushinzwe igenzura ry’iryo faranga, aha ni Ikigo cy’Imari n’Imigabane (CMA), gushyiraho uburyo bwo guha agaciro za Tokens, bavuge bati Token imwe ihwanye n’Amafaranga y’u Rwanda angana atya, bityo agaciro k’umutungo wawe kagaragare. Ibi ushobora kubikora no ku yindi mitungo nk’ibibanza, amabuye y’agaciro, ubutaka kuko icyitwa ‘UPI’ yabwo mu Rwanda hanze batakizi… ku buryo bigira agaciro ku rwego mpuzamahanga kubera ko byashyizwe muri iryo koranabuhanga”.

Akomeza avuga ko ifaranga koranabuhanga rizakuraho ibyo gufata Amafaranga y’u Rwanda ukabanza kuyavunjisha mu Madolari cyangwa Amayero, kugira ngo ubashe kurangura ibicuruzwa mu Bushinwa cyangwa ahandi, cyane ko ubwo buryo ngo buhendesha abacuruzi kuko no kuyohereza na byo bisaba kurenzaho andi.

Norbert Haguma, Umuyobozi w’ihuriro nyarwanda ry’abari mu ikoranabuanga mu by’imari (Rwanda Blockchain Association), avuga ko iri tegeko riziye igihe kuko hari byinshi rije koroshya mu ishoramari.

Ati “Iri tegeko nirisohoka mu Igazeti ya Leta, rizafasha abantu benshi baba muri uru rwego rw’ikoranabuhanga mu by’imari, boroherwe kugura no kugurisha imitungo runaka kandi nta mbogamizi. Urugero, nk’uko umuntu agura imigabane runaka ku isoko ry’Imari n’imigabane, azaba yemerewe kugura wenda imigabane kuri moto kuko adafite amafaranga yo kuyigura wenyine, akaba ayifiteho nka 1/10, bityo usange moto imwe ni iy’abantu benshi”.

Akomeza avuga ko iri koranabuhanga baribagamo ariko ntibakore neza kuko nta tegeko ryari rihari ribigenga, mbese ngo ni nk’aho batari bemerewe kubikora, kuko hari nk’igihe Banki Nkuru y’u Rwanda (BNR) yahagaritse ikoreshwa ry’ifaranga rya Crypto.

Icyakora Haguma ubu amara impungenge abashoramari muri ubu buryo bw’Ifaranga Koranabuhanga, kuko uzashaka kujya muri ubu bucuruzi azanyura muri CMA bakemeranya ku mikorere, naho BNR ikaba yabizamo mu gihe hari ibitumvikanyweho.

Iby’iri tegeko byagarutsweho nyuma y’igihe gito Banki Nkuru y’u Rwanda itangaje ko yarangije igerageza rito ryitwa ‘Proof of Concept’, ryakozwe ku ishyirwa mu bikorwa ry’Ifaranga Koranabuhanga rya Banki Nkuru (Central Bank Digital Currency/CBDC), ari ryo ryiswe e-Franc Rwandais (e-FRW).

Urwego rw’Abikorera mu Rwanda (PSF) rubinyubjije mu ishami ryarwo ry’ikoranabuhanga (ICT Chamber), ku wa Mbere w’iki cyumweru rwahuje abazobereye muri iri koranabuhanga baritangaho ibitekerezo, ndetse bashimira u Rwanda kuba ruryinjiyemo ku mugaragaro kuko rigamije guteza imbere umugabane wa Afurika.

U Rwanda rwemeje umushinga w’iri tegeko ari urwa kabiri mu bihugu bya Afurika y’Iburasirazuba (EAC), nyuma ya Kenya.

Iby’iri koranabuhanga kandi biri mu birimo kuganirwaho n’abayobozi mu nzego nkuru z’ibihugu, abashoramari na ba rwiyemezamirimo muri Afurika bateraniye i Kigali, aho bitabiriye Inama yiga ku Ikoranabuhanga Ridaheza mu by’Imari (Inclusive FinTech Forum), ikaba ari inama y’iminsi itatu yatangiye ku itariki 10 ikazageza ku ya 12 Werurwe 2026, ikaba irimo kuba ku nshuro ya gatatu.