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Kāinga Akademia Ngā Ārahi Aratohu Taake Krypto
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Aratohu Taake Krypto: He mea e hiahia ana koe ki te mōhio i te tau 2026

Mārama ki ngā huihuinga crypto e taea te utu tāke, me te āhua o ngā whiwhinga pūtea, ngā ture motuhake mō DeFi, me ngā rautaki hei whakaiti i tō taumaha tāke i runga i te ture. He aratohu whaihua mō ngā kaihautū i ia rohe nui.

13 meneti pānui I whakahoutia Māe 2026 Moni

Whakaaturanga: He aratohu tēnei mō ngā kaupapa mātauranga anake, kāore e whakakotahi i ngā tohutohu tāke. Tonoa he mātanga tāke e whai tohu mō tō āhua motuhake.

Wāhanga 1

He utu tāke ngā whiwhinga crypto?

Āe. I te nuinga o ngā ōhanga nui, ka tukuna te taura pūtea ki te utu tāke. Ka rerekē te whakahaerenga i runga i te whenua, engari ko te whakaaetanga nui a ngā mana tāke puta noa i te ao ko te mea kāore te crypto e kāore i te whakakore i ngā herenga tāke.

Ko te nuinga o ngā whenua e whakatau ana i te moni matihiko hei taonga, rawa rānei kaua i te moni. Ko tēnei tikanga, ina kawea atu koe i te moni matihiko (ma te hoko, te whakawhiti, te whakapau), ka whiwhi koe i te whiwhinga pūtea rānei te ngaro, pērā i te wā e hoko ana koe i ngā hea, ngā whenua. Ko te whiwhinga he rerekētanga i waenganui i te moni i utua mō te rawa (tō pūtake utu) me te mea i whiwhi koe i te wā kawea atu i te mea.

I tua atu i ngā hua kapetā, ka taea hoki e te crypto te whakaoho tae tāke moni. Mēnā ka whiwhi koe i te moni matihiko mā te whakamau, te kāhua, ngā heke rangi, rānei hei utu mō ngā taonga me ngā ratonga, ko te uara mākete tika i te wā ka whiwhi koe i te mea he mea ka whakaarohia hei tāke moni whiwhi.

Te kōrero matua: ia wā ka tuku koe i te moni matihiko, ki te whiwhi i te utu, tērā pea he takahanga tāke ka taea te rīpoata. He mea nui te pupuri i ngā kōrero tika mō ia whakawhitinga.

Ka whakaarohia hei rawa

Ka whakaritea e te IRS, HMRC, ATO, me te CRA te crypto hei rawa. Ka whakaawea te tuku i te taima tāke hua kapua, kāore i ngā ture whakawhiti moni.

Ka tonoa te Taima Hua Kapua

Ka whakaawea te hoko, te hokohoko, rānei te whakapau crypto i te hua, te ngaro rānei i runga i te rerekētanga i waenganui i tō pūtake utu me te utu tuku.

Taake Whiwhinga Anō

Ko te whiwhi crypto mā te whakatūpato, te kaihanga, ngā airdrop, rānei te mahi ka taakea hei whiwhinga noa i te uara mākete tika i te wā ka riro.

Wāhanga 2

Ngā Takahanga Taake i te Crypto

Ehara i te katoa o ngā mahi crypto e hanga ana i tētahi herenga taake, engari he maha ngā mahi auau e mahi ana. Ko te mārama ki ngā huihuinga e whakaoho ana i ngā taake te hipanga tuatahi ki te noho hāngai me te karo i ngā āhuatanga ohorere i te wā o te tuku kōnae.

1

Te hoko crypto mō moni fiat

Ko te kaupapa taake tino māmā. Ka hoko koe i te Bitcoin, Ethereum, rānei i tētahi atu moni matihiko mō te USD, EUR, GBP, rānei i tētahi atu moni fiat, ko te rerekētanga i waenganui i tō utu hoko me tō pūtake utu he whiwhinga kapetā (rānei he ngaro). Tauira: Ka hoko koe i te 1 ETH mō te $2,000 ka hoko anō i muri i te ono marama mō te $3,500. Ko tō whiwhinga kapetā he $1,500, ā, ka riro i te taake whiwhinga kapetā poto (ka taakea hei moni whiwhinga noa i te US nā te mea i mau koe i te wā i raro i te kotahi tau).

2

Tauhokohoko Crypto-ki-Crypto

Ko te whakawhiti i tētahi moni matihiko ki tētahi atu he tuku i te taonga tuatahi, ā, he tukanga taake. He maha ngā kaihautū e ohorere ana i tēnei ture nā te mea kāore he moni fiat i roto. Tauira: Ka whakawhiti koe i 1 BTC (pūtake utu $30,000) ki 15 ETH i te wā e $65,000 te uara o te BTC. Ka whiwhi koe i te whiwhinga pūtea $35,000 i te tuku BTC. Ko tō pūtake utu hou mō ngā ETH 15 he $65,000 ($4,333 mō ia ETH).

3

Whakamahi Crypto ki ngā Hua me ngā Ratonga

Ko te whakamahi i te crypto ki te utu mō ngā mea katoa, mai i te kawhe ki te waka, ka whakaarohia hei tuku. Me tatau koe i te whiwhinga pūtea i runga i te uara mākete tika i te wā o te hoko me tō pūtake utu. Tauira: Ka whakamahia e koe te 0.01 BTC (pūtake utu $300) ki te hoko hua i te wā e $650 te uara o te 0.01 BTC. Ka whiwhi koe i te whiwhinga pūtea $350.

4

Whiwhi Crypto (Staking, Mining, Airdrops, Lending)

Ko te whiwhi moni matihiko hei whiwhinga moni ka taapua hei whiwhinga moni noa i runga i tāna uara mākete tika i te rā ka whiwhi koe i taua. Ka hāngai tēnei ki staking utu, ngā utu kāhua, ngā tohu airdrop, te painga i te nama moni matihiko, me te utu i utua i te moni matihiko. Ka riro te uara mākete tika i te wā ka whiwhi koe hei pūtake utu mō ngā tatauranga painga kapua kei te heke mai ina hoko, ka hokohoko rānei i ngā tohu.

Wāhanga 3

Ngā Takahanga Kāore e Taapua

Ko te rongo pai: he maha nga mahi crypto auau e kāorewhakaawea ana i tētahi tukanga taake. Mā te mārama ki ēnei ka āwhina i a koe ki te whakamahere i ō whakawhitinga i te āhua whaihua ake.

Hokohoko Crypto me te moni fiat

Ko te hoko i te moni crypto mā ngā tāra, ngā euro, rānei i tētahi atu moni fiat kāore he tukanga taake. Ka riro te utu hoko hei pūtake utu mō ngā whakakore ā muri ake.

Whakawhiti i waenganui i ō pūkete ake

Ko te neke i te crypto mai i tētahi pūkete ki tētahi atu e rangatira ana koe (hei tauira, mai i Coinbase ki te pūkete pūrere Ledger) kāore i te mea he tuku, kāore hoki i te mea ka tau te taima. Heoi anō, me tiaki koe i ngā kōnae tuku hei whakaatu i te tonutanga o te rangatiratanga.

Te tuku Crypto (i raro i te paerewa)

I te US, ka taea e koe te tuku tae atu ki te $18,000 ki ia kaiwhiwhi ia tau (2026) kāore e whakaoho i te taima koha. Kei te UK he whakakore taima whiwhinga kapua ā-tau mō ngā koha. Ka whiwhi te kaiwhiwhi i tōu utu taketake.

Pānui nui mō ngā utu hāora

Ko ngā utu hāora (utu whakawhitinga) ka utua i te ETH, i ētahi atu tohu taketake, he mea ka whakaarohia he tuku o taua tohu, ā, ka taea te whakatūpato i tētahi whiwhinga pūtea iti, he hua, he ngaro rānei. Ka whakaaetia e ētahi rohe ki te tāpiri i ngā utu hāora ki tō pūtake utu, hei whakaiti i tō whiwhinga i te whakawhitinga taketake. Puritia ngā kōrero mō ngā utu hāora katoa i utua.

Wāhanga 4

Taake Whiwhinga Kapetā mō te Crypto

Ko te taima whiwhinga pūtea ko te taima matua e pā ana ki te nuinga o ngā kaihoko crypto. Ka whakawhirinaki te reiti e utu ana ki te roa o te wā i pupuri ai i te taonga me tō whiwhinga taima katoa. He mea nui te mārama ki ngā tikanga o te pūtake utu me ngā wā pupuri hei whakaiti i tō pire taima.

Whiwhinga Pūkete Roa-Nga Wā Tōpū vs Roa-Nga Wā Roa (US)

I te United States, ko te crypto i pupuri mō tētahi tau, he iti rānei i mua i te tuku, ka riro i te tae taonga whiwhi poto, e taea ana i tō reiti taake moni noa (10% ki 37%, i runga i tō kāri). Ko te crypto i pupuri mō nui atu i tētahi tau e whakaaetia ana mō tae taonga whiwhi roa i ngā reiti whai mana:

Tūnga Kōnae Reiti 0% Reiti 15% Reiti 20%
Kotahi Kia tae ki $48,350 $48,351 - $533,400 Nui atu i $533,400
Whakawhāiti Kōtaha Kia tae ki $96,700 $96,701 - $600,050 Nui atu i $600,050

Tuhipoka: Ka taea hoki e ngā kaiwhiwhi moni nui te utua te Taake Whaiwhai Whaiwhai (NIIT) 3.8% i runga i ngā whiwhinga crypto.

Ngā Tikanga Pūtāhua Utu

pūtāhua utu he te moni i utua i te timata mō tētahi taonga crypto, tae atu ki ngā utu whakawhitinga. Ina hokona e koe te tohu kotahi i ngā utu maha, ko te tikanga e whakamahia ana e koe ki te whakatau i ngā wāhanga e hokona ana e koe, he tino pānga ki tō haepapa taake:

FIFO (Tuatahi Haere, Tuatahi Haere)

Ko ngā waehere tawhito ka hokona tuatahi. Koinei te tikanga taunoa i te nuinga o ngā rohe, ā, ka hua ake i ngā painga roa mēnā kua kohikohi koe i te roanga o te wā.

LIFO (Muri Whakauru, Mua Whakaputa)

Ko ngā waehere hou ka hokona tuatahi. He whaihua i te mākete e piki haere ana nā te mea ko ngā waehere i hokona tata nei he utu nui ake, ā, ka hua iti ake te whiwhinga pūtea.

HIFO (Teitei Whakauru, Mua Whakaputa)

Ko ngā wāhanga whai te pūtake utu teitei rawa ka hokona tuatahi, e whakaiti ana i tō whiwhinga. Koinei te tikanga tino whaihua mō te taima, engari me tautuhi motuhake ia rōpū.

Tauira Whakamahi

Me te whakapae i te hoko Bitcoin e toru: 0.5 BTC i $20,000 i Hānuere 2024, 0.5 BTC i $40,000 i Hune 2024, me 0.5 BTC i $60,000 i Hānuere 2025. I Poutūtehe 2026, ka hoko koe i 0.5 BTC i $85,000:

  • FIFO: Ka hoko koe i te rōpū o Hānuere 2024. Te whiwhinga = $85,000 - $20,000 = $65,000 (wā roa, ka mau >1 tau)
  • LIFO: Ka hoko koe i te rōpū o Hānuere 2025. Te whiwhinga = $85,000 - $60,000 = $25,000 (wā roa, ka mau >1 tau)
  • HIFO: Ka hoko koe i te rōpū o Hānuere 2025 (te pūtake utu teitei o $60,000). Te whiwhinga = $85,000 - $60,000 = $25,000 (ēnei rite ki LIFO i tēnei tauira, engari ko HIFO e kōwhiri tonu i te pūtake teitei ahakoa te rā hoko)

Ko te kōwhiringa o te tikanga ka taea te rerekētanga i waenga i te $65,000 me te $25,000 te whiwhinga taurehe i te hoko kotahi. Tonoa he mātanga taurehe ki te whakatau ko tēhea tikanga te tino pai mō tō pūkete.

Kei te hiahia hua e taea te matapae, whaihua mō te taurehe?

Whiwhi 7% APY i runga i te USDC me Coinstancy. Whakakotahi ia rā, kāore he here, he tango tere. Nō te mea ko te hua stablecoin i runga i te USDC kāore he panoni o ngā whiwhinga kapetā hei aroturuki.

Tīmata Whiwhi i runga i te USDC
Wāhanga 5

Uauatanga Taurehe DeFi

Ko te pūtea korekore e whakauru i ngā āhuatanga taake kāore i te hoahoa i ngā anga tuku iho kia āhei ki te whakahaere. Mahi whakaputa hua, whakarato moana, whakapakoko tohu, me ngā uaua DeFi hononga e hanga ana i ngā wero ahurei e te hāhi taake e tonu ana ki te whakamārama. Anei te āhua ka whakaarohia ai ēnei mahi.

Mahi Whakaputa Hua & Whakarato Moana

Ina whakaratohia e koe te pūtea ki tētahi DeFi kaupapa (pērā i Uniswap me Aave), ka whiwhi koe i ngā tohu LP hei utu. Ka whakawhirinaki te whakahaere taake ki tō rohe, engari ko te tirohanga nui ko te tuku tohu ki te pūnaha pūtea ka taea hei whakakore, e whakaoho ana i ngā hua kapuae i runga i ngā taonga kua tukuna. He utu hou tō ngā tohu LP ka whiwhi koe, e ōrite ana ki te uara mākete tika i te wā o te tuku.

Ngā utu i whiwhi i te kainga hua (ngā tohu whakahaere, ngā utu hokohoko, ngā utu whakatenatena) ka whakaarohia whānuitia hei whiwhinga noa i te wā ka riro, ka tatunga i te uara mākete tika i te rā i whiwhi ai. Ka hokona e koe ā muri ake ngā tohu utu, ko te whiwhinga, te ngaro rānei i te uara o te rā i whiwhi ai he kaupapa motuhake o ngā whiwhinga kapua. Ako anō mō te āhua o te kainga hua i roto i tā mātou ārahi APY.

Ngā utu whakatū

Tāpae ka tatunga ngā utu hei whiwhi moni noa i te uara mākete tika ina whiwhi koe i te mana me te whakahaere i a rātou. I te US, i whakaae te IRS i te Mana Whakaputa 2023-14 i te mea ka tatunga ngā utu tāpae i te wā ka riroa mō ngā kaihautū moni. Ko te pūtake utu mō aua utu e ōrite ana ki te nui moni i rīpoata. Ka hokona e koe ngā utu tāpae i muri ake, ka utu koe i te taima whiwhinga pūtea mō te pikinga utu i te rā i riroa ai.

Example: Ka whiwhi koe i ngā tohu 100 hei utu whakatā i te wā e $5 te uara o ia tohu. Ka rīpoata koe i te $500 hei moni whiwhinga noa. I muri i ngā marama e ono, ka hoko koe i ngā tohu 100 ki te $8 ia mea ($800). Ko tō whiwhinga pūtea $800 - $500 = $300, ka taurea hei whiwhinga pūtea poto.

Airotaka

Ka whakaarohia ngā tohu i arotia hei whiwhinga ā-ture i tō rātou uara mākete tika i te wā ka whiwhi koe i a rātou, ā, ka taea te hoko, te whakawhitinga, te tuku rānei. Mēnā ka hiahiatia e te arotanga kia tonoa ngā tohu (hei tauira, mā te mahi tahi ki tētahi kirimana atamai), ka tū te takahanga taurehe i te wā ka tonoa e koe, kāore i te wā ka pānuitia te arotanga. Mēnā kāore he uara mākete kua tautuhia mō ngā tohu i te wā o te arotanga, e taunakitia ana e ngā tohunga tāke maha kia rēhita $0 hei whiwhinga me te $0 hei pūtake utu.

Whakakotahi & Wehe i ngā Tohu

Kei te toe he wāhi mā te pātai mēnā ko te whakakotahi ETH ki WETH (rānei ngā hurihanga ōrite) he kaupapa taurangi. Ka kī ētahi tohunga taurangi he whakawhiti āhua ōrite tēnei, he huringa āhua noa (kāore he tuku), ā, ka titiro ētahi atu ki tēnei hei whakawhiti taurangi. Kāore te IRS i tuku aratohu motuhake mō te whakakotahi. Ko te ara tiaki ko te titiro ki tēnei hei kaupapa taurangi, me te rīpoata i ngā hua, te ngaro rānei. I te mahi, ka hua te whakakotahi i te wāhi iti, i te kore hua rānei, nā te mea he ōrite te uara i te wā e whakakotahia ana.

Wāhanga 6

Taake Krypto mā te Whenua

Ka rerekē te whakahaerenga taake o te moni matihiko i runga i te rohe. Anei he arotakenga o ngā ture i ngā mākete nui. Me mātua tirotiro ki tētahi mātanga taake ā-rohe, nā te mea ka tere te panonitanga o ngā ture.

Whenua Reiti Whiwhinga Pūtea Kāwai Ngā Ture Matua
United States 0-20% (roa) / 10-37% (poto) Taonga Te wā roa kotahi tau mō ngā reiti roa. Puka 8948 + Mahere D. Pūrongo kaihokohoko mā te 1099-DA mai i te 2026.
United Kingdom 10% (māmā) / 20% (teitei) Taonga Krypto Te moni whakakore ā-tau o 3,000 GBP. Ka whakamahia ngā ture whakakotahi hea (kāore FIFO). Arotake-a‑tangata mā HMRC.
EU (MiCA Framework) Ka rerekē i runga i te kāwanatanga mema (0-45%) Ka rerekē (taonga whenua, taonga pūtea) Ka whakahaere a MiCA i ngā kaiwhakarato ratonga crypto, kāore i te taima tika. Tiamana: kore taima i muri i te kotahi tau e pupuri ana. Pōtukīhi: 28% utu kotahi. Wīwī: 30% taima kotahi.
Ahitereiria Reiti tawhito (0-45%), 50% hekenga i muri i te 12 marama Taonga CGT 50% hekenga CGT mō ngā taonga ka mau nui i te roanga o te 12 marama. Whakakore mō te whakamahi whaiaro mō ngā whakawhitinga i raro i te AUD 10,000. Ka aroturuki te ATO mā te whakataurite raraunga whakawhiti.
Kanata 50% o te whiwhinga ka tāpiritia ki te whiwhinga moni (tōtika 12.5-26.75%) Taonga 50% o te reiti whakaurunga mō te 250,000 CAD tuatahi o ngā whiwhinga; 66.7% mō ngā whiwhinga i runga i te paepae. Ture ngaro hākinakina (30-rā rite ki te hoko horapa). Puka CRA T1.

Ngā Rohe Kāore e Utu Taonga

He whenua i tēnei wā kāore e whiwhi tāke hua kapuae mō te moni matihiko, tae atu ki te UAE, Singapore (kāore rawa tāke hua kapuae), me El Salvador (kei reira ko Bitcoin he moni whaimana). Heoi anō, he uaua ngā ture noho tāke, ā, kāore i te māmā te neke ki tētahi rohe kāore he tāke e whakakore aunoa i ngā herenga tāke o tō kāinga whenua.

Polynesia Wīwī & Ngā Rohe Rerekē

Ko te tatauranga taake crypto i ngā rohe tawāhi o Wīwī pēnei i te Poronēhia e whai ana i ngā ture motuhake e rerekē ana i te motu matua o Wīwī. Mo tētahi wāhanga taipitopito o ngā herenga taake crypto i te Poronēhia Wīwī, tirohia tēnei aratohu kua whakaritea aratohu mō te tatauranga taake crypto i te Polynésie française.

Wāhanga 7

Utauta Taake & Pūmanawa

Ko te aroturuki ā-ringa i ia whakawhiti, whakawhiti, utu whakatūpato, me te airdrop puta noa i ngā pūkete maha me ngā whakawhitinga he mea tata ki te kore e taea. Ka aunoa te pūmanawa taake crypto i te tukanga mā te kawemai i tō hītori whakawhitinga, te tatau i ngā hua me ngā ngaro mā te whakamahi i tō tikanga pūtake utu kua tīpakohia, me te whakaputa pūrongo kua rite mō te taake.

Anei ngā papatono rangatira me te āhua o ā rātou mahi.

Koinly

He mea taputapu taake crypto rongonui rawa atu i te ao. Ka tautokohia e Koinly ngā whakawhitinga nui atu i te 800, ngā pūnaha poraka 170, me ngā tikanga DeFi 20+. Ka kawemai aunoa ngā whakawhitinga mā te API, CSV rānei, ka tatauranga i ngā whiwhinga mā ngā tikanga FIFO, LIFO, HIFO, me te ACB, ā, ka whakaputa pūrongo taake mō te US (Puka 8949), UK, Ahitereiria, Kanata, me ngā whenua 20+ anō. He kore utu mō te aroturuki pūkete; ka tīmata ngā mahere utu i te $49/tau mō ngā pūrongo taake.

CoinTracker

Ka tautokohia e Coinbase Ventures, ka hono a CoinTracker tika ki ngā whakawhitinga nui me ngā pūkete. Ka tuku i te aroturuki pūkete i te wā tūturu, ngā tūtohi aunoa mō te kohikohi koretake taima, ā, ka whakaputa i te Puka IRS e hāngai ana 8949 me te Mahere D. Ka tautoko a CoinTracker i te FIFO, LIFO, HIFO, me ngā tikanga tautuhi motuhake. Ngā mahere utu mai i te $59 ia tau.

TokenTax

TokenTax he papatono taake crypto katoa e whakakotahi ana i te aunoa pūmanawa me te āwhina whakaurunga taake i te taumata CPA. Ka tautokona e ia ngā DeFi, NFTs, me te hokohoko margin. Ka taea e TokenTax te whakahaere i ngā āhuatanga uaua pērā i te whai wāhi ICO, ngā fork, me ngā whakawhiringa pūkete waiwai. Ka tīmata ngā mahere i te $65 ki te $3,500 ia tau, i runga i te rahi o ngā whakawhitinga me te taumata ratonga.

ZenLedger

Kei a ZenLedger te pūkenga i ngā tatauranga taima me te taima mō te DeFi me te whakatūpato. Ka tautoko i ngā whakawhitinga me ngā pūkete neke atu i te 400, ka aunoa te kite i ngā whakawhitinga DeFi, ā, ka whakarato i tētahi taputapu whakaiti taima kua whakauruhia. Ka whakauru a ZenLedger ki TurboTax, ka whakaputa i ngā puka IRS, ngā pūrongo FBAR mō ngā pūkete o waho, ā, ka tautoko i te Mahere C mō te whiwhi moni kāhua. Ka tīmata ngā mahere i te $49 ia tau.

Me pēhea te mahi: Kua hono koe i ō pūkete whakawhiti mā ngā kī API (pānui-anake) me te kawemai i ngā wāhitau pūkete. Ka whakakotahi te rorohiko i ngā whakawhitinga katoa, ka tautuhi i ngā huihuinga e taea te utu, ka whakamahi i tō tikanga kaute i whiriwhiria, ā, ka whakaputa i ngā puka tāke ka taea e koe te tuku tika, ki tō kaute rānei. Ka kitea e te nuinga o ngā papatono te kore raraunga pūtake utu, ā, ka tohu i ngā hapa i mua i te tuku.

Wāhanga 8

Rautaki Whakarite Tāke

Ko te whakaiti i tō taumaha taake crypto i runga i te ture me te whakamahere i mua. Ka taea e ēnei rautaki te whakaiti nui i ngā mea e utua ana e koe, me te tiaki i tō whakaaetanga katoa.

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Whakawhiwhi Taake-iti

Hokona ngā tūnga ngaro ki te whakatutuki i ngā ngaro kapetā e whakakāhore i ngā whiwhinga kapetā i ngā tauhokohoko whai hua. I te US, ko te crypto kāore i raro i te ture hoko horapa (e aukati i ngā kaihoko hea ki te hoko anō i roto i ngā rā 30), arā ka taea e koe te hoko i te ngaro, ka hokona anō tonu te tohu kotahi kia mau tonu tō tūnga. Heoi anō, tērā pea ka huri te ture e whakaarohia ana, nō reira tirohia ngā whakahōu aroturuki.

Tauira: Kei a koe $20,000 i ngā whiwhinga kua whakaaetia i te hoko ETH. Kei a koe hoki te SOL i te $12,000 he ngaro kāore i te rangona. Mā te hoko SOL hei kohi i te ngaro, ka heke tō whiwhinga takatū e $8,000. Ka taea e koe te hoko anō i te SOL i te utu kotahi tonu, ka tautuhi anō i tō pūtake utu, ā, ka whakaiti i tō nama tāke.

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Whakapai i te wā pupuri

I te US, ko te pupuri i te crypto mō te roanga atu i te kotahi tau i mua i te hoko e whakaaetia ana mō ngā reiti whiwhinga kapua roa (0-20%), i te whakataurite ki ngā reiti poto (10-37%). Ka taea te penapena taimae te nui. I runga i te whiwhinga $50,000, ko te rerekētanga i waenga i te reiti poto 37% me te reiti roa 15% he $11,000 i te penapena taimae. I te Ahitereiria, ko te pupuri mō te roanga atu i te 12 marama ka whiwhi koe i te hekenga CGT 50%. I te Tiamana, he kore-utu taimae katoa te crypto i muri i te wā pupuri kotahi tau.

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Hua moni pūmau hei rautaki whai-atae

Ko te whiwhi hua i runga i ngā moni pūtea pūmau pērā i te USDC ka whai painga ake i te takahuru i ngā rawa hihiri. Nā te mea kei te pupuri te USDC i te 1:1 ki te USD, he mea noa ana kāore he whiwhinga pūtea kapuae, kāore he ngaro i a koe e whiwhi, e tuku rānei i tēnei. Ka tatuhia te hua e whiwhi ana hei moni whiwhinga noa, engari ka karo koe i te aroturuki uaua o ngā whiwhinga kapuae e pā ana ki ngā rawa crypto hihiri. Ka māmā ake te tiaki kōnae i te nui, ā, ka whakakore i te mōrearea o ngā pire takahuru kapuae kāore i te tūmanako.

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Ngā Tikanga Pai mō te Tiaki Kōnae

Ko te tiaki kōnae taipitopito te tūāpapa mō ngā rautaki whakaiti tāke katoa. Mō ia whakawhitinga, tuhia: te rā, te taonga, te nui, te uara mākete tika i tō moni ā-rohe, te momo whakawhitinga (hoko, hoko atu, whakawhiti, utu), te whakawhiti kāri, te pūkete rānei i whakamahia, me te taupānga whakawhitinga. Kawea ngā CSV mai i ngā whakawhiti kāri i ia wā, nā te mea ka taea e ngā papatono te kati, te whakakorea rānei i ngā raraunga o mua. Whakamahia tētahi taputapu tāke crypto motuhake hei whakakotahi i ngā kōnae i ngā pūkete me ngā whakawhiti kāri katoa.

Whakaritea tō āhua tāke crypto

Whiwhi 7% APY i runga i te USDC me Coinstancy. Kāore he panoni o ngā whiwhinga kapetā hei aroturuki, kāore he whakawhitinga DeFi uaua hei rīpoata. Whakawhāiti i ia rā, kāore he here, tango tere.

Tīmata te whiwhi 7% APY i runga i te USDC
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Ngā Pātai Auau

Me utu tāke au mō te crypto mēnā kāore au i te tangi moni?
I te nuinga o ngā rohe, ko te pupuri noa i te crypto kāore i te mea e whakatau ana i te taima taake. Heoi anō, ko te hokohoko i tētahi moni matihiko mō tētahi atu (hei tauira, te whakawhiti ETH ki USDC) ka whakaarohia he tuku, ā, ka whakaoho i tētahi taima taake mō ngā hua kapua, ahakoa kāore i te huri ki te moni ā-ture. Ko te hoko crypto mā te moni ā-ture me te pupuri i taua mea kāore e whakaputa i tētahi herenga taake kia kore koe e hoko, e hokohoko, e whakapau i te moni.
Me pēhea te IRS e mōhio ai kei a au te crypto?
Ko ngā whakawhiti pūtea ā-roto pērā i Coinbase, Kraken, me Binance US e hiahiatia ana kia ripoata ngā whakawhitinga a ngā kaiwhakamahi ki te IRS mā te Form 1099-DA (ka tīmata i te tau 2026). Ka whakamahi hoki te IRS i ngā taputapu tātaitanga blockchain hei whai i ngā mahi kei runga i te aho. I tua atu, ko ngā ture "broker reporting" i raro i te Infrastructure Investment and Jobs Act e hiahiatia ana kia ripoata ngā moni whiwhi, te pūtake utu, me ngā hua i ngā whakawhitinga crypto.
He taurangi ngā tauhokohoko crypto ki te crypto?
Āe. I te US, UK, Ahitereiria, Kanata, me te nuinga o ngā whenua EU, ko te whakawhiti i tētahi moni matihiko ki tētahi atu e whakaarohia ana hei tuku i te taonga tuatahi me te whiwhi i te taonga tuarua. Me tatau koe i te whiwhinga pūtea kapuae, te ngēteke rānei i runga i te taonga kua tukuna i te wā o te whakawhitinga, ahakoa kāore he moni fiat i te wāhi.
He aha te pānga mēnā kāore au e rīpoata i ōku taake moni matihiko?
Ko te rahinga ki te pūrongo i ngā whiwhinga crypto ka hua i ngā whiu, te pānga o te reiti kāore i utua, ā, i ngā āhuatanga tino kino, ka whiwhi whakatūpato hara mō te hara taake. Kua tāpiritia e te IRS he pātai crypto motuhake ki te Puka 1040 mai i te tau 2019, ā, ko te whakautu hē i kīia he hara kōrero. Ko te nuinga o ētahi atu rōpū taake kua piki ake ō rātou mahi whakakāhore i te pūrongo crypto.
Kei te taurangi ngā utu whakatūpato hei moni whiwhinga, hei whiwhinga kapetā rānei?
I te nuinga o ngā whenua, ka tatūhia ngā utu mō te whakatūpato hei moni whiwhi noa i tō rātou uara mākete tika i te wā ka riro. Ina hoko, ka hokohoko rānei i aua utu mō te whakatūpato ā muri ake, ka riro te huringa uara i te wā i riro ai, ka tatūhia ki te taima whiwhi moni. Ko tēnei tikanga, ka tatūhia ngā utu mō te whakatūpato e rua: kotahi hei moni whiwhi i te wā ka whiwhi, ā, tētahi anō hei taima whiwhi moni i te wā ka tuku.
Ka taea e au te whakaiti i ngā ngaro crypto i aku taima?
Āe. I te US, ka taea e koe te whakamahi i ngā ngaro pūtea mai i te crypto hei whakakāhore i ngā whiwhinga pūtea mai i ētahi atu haumi. Mēnā ka nui ake ngā ngaro pūtea katoa i ō whiwhinga pūtea, ka taea e koe te tango tae atu ki te $3,000 ia tau ki te utu i te moni whiwhinga noa, me te kawe haere i ngā ngaro e toe ana ki ngā tau kei te heke mai. He ture ōrite mō te whakakāhore ngaro kei te UK, Australia, me Canada, ahakoa ka rerekē ngā taipitopito i runga i te rohe.

Noho ki te hātepe, whakapiki i ngā hua

Mārama ki ōu herenga taake crypto, ā, whiwhi hua e taea te matapae i runga i te USDC me Coinstancy.