Taureti me te whakatūpanga: ngā mea e hiahia ana ngā kamupene ki te mōhio mō ngā krypto

Kei te torotoro haere ngā kamupene i te ao o ngā moni matihiko, ahakoa te hiahia ki te whakawhānui i ngā pūtea, ki te whakaae i ngā utu matihiko, ki te haumi i ngā otinga auaha 🌍. Engari ka pātai nui puta noa i te wā poto: he aha ngā herenga taake me te whakatūpato?

I te ao o Ūropi me i Wīwī, ka mārō ake ngā ture. Me mārama ngā kamupene e rapu ana ki te whakauru i te crypto ki ngā mātāpono taake, ngā kawenata pūrongo, me ngā ture e haere mai ana.

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Hono atu ki ngā kaiwhakamahi 1,849+ e whiwhi ana i te 7% APY i runga i ā rātou penapena crypto.

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Te anga whakahaere i Ūropi me Wīwī

E te tau 2024, te MiCA (Markets in Crypto-Assets) te ture kua tautuhi i te anga Ūropi. Ka whakakotahi i ngā ture puta noa i ngā wāhanga mema: he raihana whakamanamana mō ngā kaiwhakarato, he tiaki kaihoko kaha ake, me te mārama mō ngā kaiwhakaputa stablecoin.

I te Wīwī, me whakaaro hoki ngā kamupene ki te PSAN tūnga (Digital Asset Service Provider) i tukuna e te AMF. Me rehita ngā kamupene e tuku ana i ngā ratonga crypto pērā i te hokohoko, te tiaki, ā, me ū ki ngā ture tino pakari (KYC, AML, haumaru hangarau).

Mō ngā kamupene hei kaiwhakamahi — kāore hei kaiwhakaratonga — ko te wero nui ko te whiriwhiri i ngā hoa pakihi e hāngai ana kia whakaritea te haumaru ā-ture me te ā-ture.

Ngā herenga taake mō ngā kamupene

Mō te taake, ka whakaarohia ngā moni matihiko ngā taonga matihiko. Ko tēnei tikanga:

• Kaute: me tuhi ngā rawa matihiko hei rawa i te rārangi tāke, i te utu hokohoko.
• Whiwhinga kapua: Ko ngā hua i te hoko i ngā kiripito ka tatūhia hei whiwhinga pūtea.
• VAT: Kāore ngā whakawhiti kiripito e utu VAT, engari ko te whakaae ki ngā utu kiripito ka whakaaweawe i ngā ture VAT mā te hua, ratonga rānei i raro i te kaupapa.
• Ripoata: Me whakapuaki ngā kamupene i ō rātou pūkete me ngā whiwhinga i roto i ngā pūkete ā-tau, ā, me whai i ngā ture taake ā-rohe.

Ko te whakahaere mārō te kī matua ki te karo i ngā whiu me ngā arotake.

Ngā tikanga pai mō te whakauru kiripito ki te pakihi

Hei tīmata, me whai ngā kamupene i ngā hipanga maha:

• Kōwhiri hoa whakahaere: mahi anake me ngā papatono kua rēhitatia e PSAN, e whakaaetia e MiCA.
• Waihangatia he kaupapa here ā-roto: whakamārama i te tohatoha, ngā rawa e whakaaetia, te aroturuki, me te pūrongo.
• Whakangungu rōpū pūtea: whakaako i ngā kaute me ngā kaiwhakahaere pūtea mō te kaute crypto me ngā mōrearea.
• Whakaritea te tatauranga: tātaihia te pānga o ngā hua kapua me te whakakotahi ki te rautaki pūtea o te kamupene’s.
• Tīmata mā te āta: tohua 5–10% o ngā pūtea tāpui i mua i te pikinga āta.

Ka āhei tēnei huarahi whakatūpato ngā kamupene ki te whai painga i te crypto, me te tiaki i te mōrearea kia mau ki te whakahaere.

Whakakapi

Ka tuku a Crypto i ngā whai wāhi mō te hua me te auahatanga i te pakihi, engari e hiahiatia ana te ū ki ngā herenga pakari taake me te whakahaerenga. I waenganui i te MiCA i Ūropi, te PSAN i Wīwī, me ngā herenga kaute, he mea nui te māramatanga me te mārama.

Mā te whakawhirinaki ki ngā hoa rangatira e ū ana me ngā rautaki mārama, ka whai painga ngā kamupene i te hurihanga crypto i te wā e noho tonu ana ki te taha tika o te ture.

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Pātai auau 🤔

Ka taea e te kamupene te pupuri i a crypto i runga i te ture?

Āe ✅. I te wāhi o Wīwī me Ūropi, ka whakaaetia ngā kamupene ki te hoko, te hoko atu, me te pupuri i ngā moni matihiko. Ko te here kia ū ki ngā herenga pūkete me te taima.

Me whakaatu te moni matihiko i ngā pūkete ā-tau?

Āe, tino tika. Me tuhi te moni matihiko hei taonga i te rārangi paerewa i te utu hokohoko. Ina hokona, ka tuhi ngā hua (rānei ngā ngaro) hei whiwhinga moni, hei utu.

He aha ngā mōrearea i te whakamahi i tētahi papatono kāore i te whakahaeretia?

Ngā mōrearea ā-ture me te ā-pūtea: ka taea te māngia o ngā pūtea, ka kaha ake ngā arotake taake, ā, ka whakaaetia ngā whiu mēnā kāore te kaiwhakarato i te hāngai. Me ū ngā kamupene ki ngā hoa pārekareka kua rēhitatia ki te PSAN, ā, e hāngai ana ki te MiCA.

Kei te pā ki te VAT ngā utu crypto?

Āe. Ka mau tonu te hoko taonga, ratonga ki te VAT paerewa, ahakoa ka utu ki te crypto. Ka tirohia te crypto hei tikanga utu, pērā i te euro, te tāra.

Me pēhea te whakaiti i ngā mōrearea taake me te crypto?

Tiaki ngā pūkete taipitopito mō ia whakawhitinga (hoko, hoko atu, whakawhiti), tiakina te kaute mārama, ā, kōrero ki tētahi kautea mōhio ki ngā rawa matihiko. Ka whakaiti nui tēnei i te mōrea o ngā whiu.