Ukunyuka okumangalisayo kwee-cryptocurrencies kuchaze ngokutsha indlela esicinga ngayo ngemali kunye notyalo-mali. Njengoko ezi zimali zedijithali ziqhubeka nokubamba ingqalelo yabatyali-mali kunye nabanomdla ngokufanayo, kuye kwavela umkhwa onomdla: ithuba lokutyala imali kwi-cryptocurrencies ngaphandle kwesidingo sokuthenga ngokuthe ngqo. Iintsuku zihambile xa kuthengwa i-Bitcoin, i-Ethereum okanye ezinye ii-cryptocurrencies kuphela kwendlela yokungena kwihlabathi elinomdla wotyalo-mali kwii-asethi zedijithali. Kweli nqaku, siza kuphonononga izicwangciso ezahlukeneyo kunye neendlela ezivumela abatyali-mali ukuba bathathe inxaxheba kwimarike ye-cryptocurrency ngaphandle kokuthenga iingqekembe ngokwabo.
Yintoni utyalo-mali lwe-crypto olungathanga ngqo?
Ukuba awufuni ukuvula iakhawunti kutshintshiselwano lwe-cryptocurrency kwaye uthenge ii-cryptocurrencies, uphelelwe lithamsanqa. Unokwenza utyalo-mali olungathanga ngqo kwii-cryptocurrencies, apho uziveza khona ngaphandle kokuzithengela ngokwakho. Utyalo-mali olungathanga ngqo lwenziwa kusetyenziswa iindlela zemveli ezifana nezitokhwe, iimali ezihlangeneyo, kunye neengxowa-mali zotshintshiselwano (ETFs). Kwakhona, kukho izinto ezilungileyo nezingalunganga ekufuneka ziqwalaselwe, ezinjengokhuseleko, imirhumo, kunye nomngcipheko welahleko. Xa uthenga i-cryptocurrency ngeqela lesithathu, elo qela lesithathu liza kwenza imali ngandlela thile, ke kuya kufuneka uyithathele ingqalelo loo nto xa uthatha isigqibo sokuba kufuneka uthenge i-cryptocurrency usebenzisa utyalo-mali olungathanga ngqo.
1. Ii-ETF ze-Crypto kunye neemali zotyalo-mali
Iimali zotyalo-mali yindlela yokuqala yokuthenga ii-cryptocurrencies ngaphandle kokuthenga ngokuthe ngqo. Omnye wabathathi-nxaxheba bokuqala abaphawulekayo kulo mnikelo yiGreyscale Bitcoin Trust (GBTC). Nangona isebenza ngokufanayo kwi-ETF, ngokusemthethweni luhlobo olwahluke ngokupheleleyo lweziko. Nangona kunjalo, utyalo-mali kwi-GBTC nge-akhawunti ye-brokerage iya kufumana umphumo ofanayo wokuthenga i-Bitcoin fund. Ixabiso lotyalo-mali liya kunyuka kwaye liwe ngexabiso lemarike yeBitcoin. I-drawback enkulu ye-Grayscale yi-2% yeendleko zomlinganiselo. Babiza nje i-2% ukuthenga i-Bitcoin kwaye bayigcine kwi-wallet egameni lakho. Singayenza ngokwethu ngokulula ngaphandle kokuhlawula ikhomishini eqhubekayo yesi-2%. Ezinye iimali ziquka iProShares Bitcoin Strategy ETF (BITO), iValkyrie Bitcoin Strategy ETF (BTF), iVanEck Bitcoin Strategy ETF (XBTF), i-Global X Blockchain & Bitcoin Strategy ETF (BITS), kunye ne-Bitwise 10 Crypto Index Fund (BITW). Iintlawulo kunye notyalo-mali olusisiseko ziyahluka ngokuxhomekeke kwingxowa-mali esiyikhethayo, ke qiniseka ukuba ufunda iprospectus ngononophelo kwaye uyazi ukuba ufumana ntoni.

Ukusebenza kweGrayscale Bitcoin Trust (GBTC). Umthombo: iGreyscale.
2. I-Cryptocurrency kunye ne-blockchain stocks
Ukuba ufuna ukuthenga isitokhwe esikuvezela kwi-cryptocurrencies, unokukhetha phakathi kweenkampani ezisebenza kwishishini le-blockchain kunye neenkampani ezityala imali kwi-cryptocurrencies okanye zibe nazo kwi-balance sheets. Iinkampani kushishino lwe-cryptocurrency zibandakanyeka kwimigodi ye-cryptocurrency, uphuhliso lwesoftware, kunye nezinye iinkonzo. Izenzo ziquka I-Riot Blockchain (RIOT), IKanan (CAN), HIVE Blockchain Technologies (HIVE) y IBitfarms (BITF). I-Coinbase (COIN) kunye neMicrostrategy (MSTR) zimbini zezona zitokhwe ezinkulu kunye nezona zamkelwayo ze-cryptocurrency. Ngokuqhelekileyo, xa kukho ukuhla kumaxabiso e-cryptocurrency, izitokhwe ezininzi ze-cryptocurrency ziyasokola. Gcina le mingcipheko engqondweni xa uthenga kwaye ucinge ngokusebenza nengcali yezemali ethembekileyo ukuba unayo nayiphi na imibuzo malunga nesigqibo sakho okanye izicwangciso zotyalo-mali.
IMicrostrategy (MSTR) YTD Quote. Umthombo: Izimali zikaGoogle.
3. Imivuzo ye-Crypto Debit Card
Indlela yokugqibela yokuzalisa isipaji sakho se-cryptocurrency ngaphandle kokuvula i-wallet yakho ye-fiat inemivuzo yekhadi le-debit. Amakhadi amaninzi akuvumela ukuba ufumane i-cryptocurrency xa uswayipha, ucofa, udipha, ucofa, okanye wenze nantoni na eyenye ukusebenzisa ikhadi lebhanki njengentlawulo. Phakathi kwamakhadi e-debit obuqu e-cryptocurrencies, i-BlockFi Reward Visa Signature, i-Gemini Credit Card kunye ne-Upgrade Bitcoin Rewards Visa zivelele. Indlu yokutshintshiselana i-Crypto.com, i-Nexo kunye ne-Coinbase nayo inikezela ngekhadi lokuvuza. Amanye amakhadi, njengeKhadi le-SoFi Personal Debit Card okanye iVenmo Debit Card, abonelela ngeendlela zokukhulula ezibhetyebhetye, kuquka i-cryptocurrency. Xa ufumana i-crypto njengomvuzo wekhadi le-debit, utyala imali kwi-crypto ngaphandle kokuthenga i-crypto. Nokuba yehla ngexabiso, awuhlawuleli i-crypto, ngoko ke yonke into oyisusayo yinzuzo.
Izinto eziluncedo zeNexo debit card. Umthombo: Nexo.