Indiya tana motsawa zuwa Ban da Bitcoin, yana jaddada fa'idodin CBDCs

Mahukuntan Indiya suna nuna alamar canji zuwa ga hana cryptocurrencies masu zaman kansu kamar Bitcoin da Ethereum, yayin da suke haɓaka kuɗaɗen dijital na Babban Bankin (CBDCs) a matsayin madadin mafi aminci. A cewar The Hindustan Times, manyan cibiyoyin gwamnati, bin shawarwarin kwanan nan kan tsarin cryptocurrency, sun goyi bayan irin wannan haramcin. Cibiyoyin suna jayayya cewa CBDCs na iya ba da fa'idodi iri ɗaya tare da ƙarancin haɗari.

Matsayin Gwamnati akan Cryptocurrencies da CBDCs

Jami'an da ke cikin tattaunawar, suna magana ba tare da suna ba, sun bayyana cewa yarjejeniya ta dogara ga kallon cryptocurrencies masu zaman kansu a matsayin mafi haɗari idan aka kwatanta da CBDCs.

"CBDCs na iya yin duk abin da cryptocurrencies ke yi, amma tare da ƙarin fa'idodi da ƙarancin haɗari," in ji wani jami'in.

Jagoran ka'idoji na Indiya ya yi daidai da Asusun Ba da Lamuni na Duniya (IMF) da takardar haɗin gwiwar Financial Stability Board (FSB) da aka karɓa a watan Satumba na 2023, wanda ke saita mafi ƙarancin ƙa'idodi na crypto. Takardar, duk da haka, ta bai wa kasashe damar aiwatar da tsauraran matakai, gami da haramcin kai tsaye.

Gwamnan Bankin Reserve na Indiya (RBI) Gwamna Shaktikanta Das, a wani taron kwanan nan a Bengaluru, ya jaddada yuwuwar CBDCs na hada-hadar kuɗi. Rupe na dijital na Indiya (e₹), wanda aka ƙaddamar a ƙarshen 2022, ya riga ya sami sama da masu amfani da miliyan 5, tare da bankuna 16 da suka shiga cikin matukin. Bankin Jiha na Indiya (SBI) yana kuma bincika aikace-aikacen CBDC, gami da ayyukan gwaji don ba da rance ga manoman haya ta hanyar ƙididdige amfani da ƙarshen amfani a Odisha da Andhra Pradesh.

Canjin Canjin Indiya akan Cryptocurrencies

Hanyar Indiya ga ƙa'idar cryptocurrency ta samo asali sosai tun daga 2013, lokacin da RBI ta ba da gargaɗin farko game da agogo mai kama-da-wane. Bayan ƙaddamar da demonetization na 2016, saka hannun jari na cryptocurrency ya karu yayin da biyan kuɗi na dijital ya sami karɓuwa. Koyaya, a cikin 2018, RBI ta sanya takunkumi kan bankunan da ke sauƙaƙe ma'amalar cryptocurrency, yana yin tasiri sosai ga kundin ciniki.

Wani babban sauyi ya faru a cikin Maris 2020, lokacin da Kotun Koli ta Indiya ta dage haramcin na RBI, tare da ayyana shi da rashin bin tsarin mulki. Wannan shawarar ta haifar da sabunta ayyukan ciniki da sake buɗe musayar cryptocurrency.

Tun daga wannan lokacin, gwamnatin Indiya ta ba da shawarar doka don tsara tsarin cryptocurrencies, a bayyane tsakanin kudaden dijital masu zaman kansu da na jihohi kamar CBDCs.

Harajin Cryptocurrency da Matsayin Shari'a a Indiya

Duk da haɓaka sha'awa, cryptocurrencies ba a san shi azaman ɗan kasuwa na doka ba a Indiya. Koyaya, ana rarraba su azaman Kayayyakin Dijital na Farko (VDAs) ƙarƙashin kasafin kuɗi na 2022. Wannan rarrabuwa yana ba da ribar crypto zuwa haraji 30%, ba tare da la'akari da ko ana ɗaukar kuɗin shiga babban riba ko samun kasuwancin kasuwanci ba. Bugu da ƙari, Harajin da aka Rage 1% a Tushen (TDS) ya shafi duk ma'amalolin crypto da suka wuce INR 10,000 kowace shekara.

Duk da yake gwamnati ta yarda da yuwuwar fasahar blockchain, ta ci gaba da taka tsantsan game da cryptocurrencies masu zaman kansu. Ana sa ran tsarin tsari na ƙarshe bayan shawarwari masu yawa, amma alamun yanzu suna nuna fifiko ga CBDCs akan kadarorin dijital masu zaman kansu.

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