Bantu banji tabaimiki kuti bayeeye atala a mali.

Kutali kusyoma mali, kutali kwaabelesya, pele kuyeeya ncobeni kuti mali ncinzi alimwi kuti asebenza buti.

Tubelesya mali buzuba abuzuba, pele tatuzyi kubuzya kuti asebenza buti.

Amutanatalika kubala kuya kunembo, amubikke kaindi kuswiiyo zyosanwe. Amulembe bwiinguzi bufwaafwi kucili coonse naa mulakonzya:

1. Nkaambo nzi bantu bayandila mali?
2. Ncinzi ciinda kuti cintu cibe mali?
3. Nguni uukonzya kulenga naa kweendelezya mali ngomubelesya?
4. Nkaambo nzi mali ngomubelesya ajisi bulemu?
5. Sena mali aanu alakonzya kuula zintu ziingi mbubonya sunu mbuli mbwaakacita kaindi?

Amukoye bwiinguzi bwanu. Amubupilukile kumamanino. Bbuku eeli lilakonzya kuyumya imwi mizeezo yanu akucinca imwi.

Nomubala, amubone kusiyana akati ka ncobeni amizeezo yamuntu. "Mali aaya aapepa alatambulwa kubbadala mitelo" ncobeni cikonzya kusyomezyegwa. "Aaya ngoomali mabotu kwiinda oonse" mbubambe bwamuzeezo buuyanda zintu zyakulinganya amboni.

Bbuku eeli lyakabambwa kwiinda mukwiingula swiiyo zyosanwe acimwi: nkaambo nzi mali ayandikana, mali ncinzi, ncinzi cikonzya kubiipa aali ngawo, Bitcoin ncinzi, mbomukonzya kuibelesya cakukwabilila, aziboola kunembo.

Nlyakuyiisya buyo. Talipe lulayo atala a mali, kubikka mali mumulimo kuti avwule, milawo, naa mitelo, alimwi talimwambii kuti muule, muuzye, naa mukoye cintu cili coonse.

Mali ncibelesyo cakusanduluzya zintu.

Kunyina muntu uuyanda mali akaambo kamali buyo. Tulayanda mali akaambo kazintu nzyakonzya kuula. Mali aapepa mbuli cipanzi capepa buyo. Aabeleseka akaambo kakuti bamwi bantu balazumina kwaatambula kutegwa batupe zintu nzyotuyanda ncobeni, nkaambo balasyoma kuti bamwi bayakuyazumina kumbele.

Eeci ncecilesya mali kwaambana akusanduluzya zintu azintu zimwi.

Muburyo bwakusanduluzya zintu azintu zimwi, kusambala kulacitika buyo kuti bantu bobilo bayanda zintu nzyajisi umwi, aciindi comwe alimwi mumyeelwe yeelede. Basyaazibwene mubukwebo bacita eeci kuti kuyandana zintu kwa bantu bobilo aciindi comwe. Na mulima mpunga alimwi muyanda nsangu, uupanga nsangu ulakonzya kuyanda mafuta aakujika, kutali mpunga. Mali alamanizya penzi eeli kwiinda mukwaanzya kusambala akuula: mulasambalila muntu omwe mpunga wanu, mpoona mwaula nsangu kuli umwi.

Mali kanji-kanji alacita zintu zitatu.

Mali ndi nzila yakusanduluzya zintu: bantu balazumina kwaatambula mbubonya bwakubbadelwa. Alimwi ndi cipimo cakubalila mitengo: mitengo ilatalikwa mumali, eelyo tulakonzya kweezyanisya bulemu bwazintu zyaandeene. Alimwi ndi nzila yakubamba bulemu: alanyaamuna bulemu kuzwa sunu kuya kumbele. Kunyina mali aabamba bulemu cakumaninina, pele misyo imwi yamali ilaluza nguzu zyakugula asyoonto-asyoonto kwiinda imwi.

Kufumbwa mucaano, zintu zinji zyakabelesegwa mbuli mali: zikumba, munyo, bulungu, banyama bakumunzi, mukuba, siliva, angolida. Zisyano ziyandikana zyakatalika kubelesegwa mumasena manji nkaambo zyakasyoonto, zyakali kukkala ciindi cilamfwu, alimwi zyakali kuzuminwa abantu banji. Pele kunyamuna akukwabilila zisyano kulayuma, aboobo mabbanki akatalika kupa mapepa aapa nguzu zyakutambula mweelwe wazisyano uutalidwe. Mumisyo yaandeene ya nzila yakuswaanganya mali angolida, cipimo camali cakali kuswaanganyizyigwa amweelwe wangolida kweelana amulawo. Milawo yakali kwaambana kweelana abusena aciindi.

Kwinda kwaciindi, mali akatalika kusyomeka kapati kuzwa kumabungwe azisyomezyo kwiinda kuzisyano. Mu 1971, United States yakalekezya kusanduluzya madola angolida munzila yazumizyidwe kuli balelo bamasi amwi amabbanki aakati. Sunu, mali aamasiyabunji ndi mali aa fiat: mali aapegwa ansi panguzu zabulaleli, kanji-kanji kwiinda kubbanki lyakati, aatakonzya kusandululwa angolida mumweelwe uutalidwe naaciba acintu cimbi. Ijwi lyakuti fiat lizwa mu Latin, caamba kuti "kacitwe", kanji-kanji alimvwa mbuli "amulawo".

Mali aa fiat alabeleseka nkaambo bantu, makwebo, mabbanki, abalelo balazumina kwaatambula. Milawo kanji-kanji ilapa mali aaya nguzu zyakubelesegwa mukubbadala alimwi ilayanda kuti abelesegwe mukubbadala mitelo, eelyo bantu balayaayanda nkaambo boonse babazingulukide balayaabelesya.

Twakazwa kumali aakali kujatikizigwa acintu, kuya kumali aajatikizigwa akusyoma muntu.

Bantu nibamvwa bbala lyakuti kusumpuka kwamitengo, kanji bayeeya kuti mitengo ilakwela.

Kusumpuka kwamitengo nkukwela kwamitengo yazintu zyoonse kutazumini. Lubazu lumbi ndwa nguzu yakugula: bungi bwazintu nzyokonzya kugula cibeela comwe camali. Ikuti mutengo wacisambwe cazintu ziyandika wabantu wakwela kuzwa kuzibeela zyamali ziinda ku 100 kusika ku 110, zibeela eezyo ziinda ku 100 tazikonzyi kugula cisambwe coonse pe.

Kusumpuka kwamitengo kuli azintu zyinji zikupa kuti kucitike, alimwi basikwiiya makani aabukkale bwabusambazi balazyubuzya kuti cimwi acimwi cilagwasya buti: kuyungizika kwamali azikwelete, kunyongana kwakusandulula zintu, kucinca kwakuyandwa kwazintu, kuceya kwanguzu yamali, misonko, amali aabelesegwa mukupanga zintu. Cimwi cintu ceelede kulangisisyigwa nkaambo cilasalwa, tacicitiki buyo: mububambe bwamali aafiat, mabunga masyoonto alakonzya kuyungizya mali azikwelete akucinca milawo yazyo.

Amuyeeye ncecakupa kuti cintu cibe amulimu.

Mufwanikiso wakusaanguna wa Mona Lisa ulijisi mulimu mupati kwiinda mufwanikiso uuli woonse wakopololwa kulinguwe, kutali nkaambo ulaboneka kabotu kwiinda imbi, pele nkaambo nguwe alike. Kuceya kwacintu kulike takucipi mulimu pe, pele bantu nibayanda cintu, bungi bwaco bulijisi mulimu.

Bungi bwamali nibuyungizika cakufwambaana kwiinda zintu nzyakonzya kugula, cibeela comwe acomwe camali cilatandika kugula zintu zisyoonto.

Kusumpuka kwamitengo takukwati bantu boonse munzila iikozyenye pe. Muntu uujisi mali manji mumaboko naakuti mali aabikkide ulakonzya kusweekelwa nguzu yakugula. Muntu uujisi zintu zyabusambazi zikwelwa mitengo ulakonzya kukwabililwa kulubazu lumwi. Miholo amitengo azyalo zilacinca cakufwambaana kutakozyenye.

Mali aali muakaunti yanu yakubbanka alaindene amali aali mumaboko aanu. Bbanki taibambi mali oonse aabikkwamo kuti abe mumaboko pe: ilakopesya mali manji akuaabelesya mumilimo iizyalusya mali. Mali aali muakaunti yakubbanka ncisyomezyo cabbanki cakuti ilamupa mali aanu. Kanji cisyomezyo eeci cilazuzikizyigwa, pele ciyeme kubbanki akumilawo iilanga milimo yayo.

Amusoleke: kulanga nguzu yakugula

Amusale cintu comwe cibeleka mazuba oonse mucilawo canu, mbuli cinkwa, kweenda, naakuti eya tayimu yafoni. Amulembe mutengo waco wanyamwaca. Amubuzye muntu kuti cali mali anga mumyaka yakumane, mpoona amulange mulugwalo lusyomeka ikuti mulakonzya. Sena mali abantu ngibajana aakayungizika munzila iikozyenye? Ncinzi cimbi cikonzya kupandulula kucinca ooku?

Zyoonse eezyi tazyaambi kuti mali aafiat taabeleseki pe. Alapa nzila ziubauba zyakulipila, zikwelete zikonzya kucincwa kweelana azileelede, anzila zyakulwana mapenzi mapati. Pele kukonzya kucinca ooku kulaleta ntenda: bungi bwamali aaya amilawo yaako zilakonzya kucinca, alimwi bantu baabelesya mali aaya balijisi nguzu zisyoonto zyakupa mizeezo yabo.

Eeci ncecakupa kuti bantu bayandaule nzila zimbi, alimwi ncecakupa kuti Bitcoin ipangwe.

Bitcoin kaitanaba, kutuma mali kwi intaneti lyoonse kwakali kusyomeka kubunga busyomeka: bbanga na kampani yakulipilana yakali kubamba bbuku lyamali, kuzumizya maakaunti, alimwi yakali kukonzya kucelezya, kukasya, na kujokozya kulipila. Kwamyaka minji, basyaabusongo bwamakompyuta bakeezya kupanga mali aama kompyuta akutali mubambisi omwe uusalala. Cintu cakali kuyumya ncakuti twaambo twamu kompyuta tulakonzya kukopololwa cakufwambaana. Ikuti mali aamu kompyuta akakonzya kukopololwa akubelesegwa ziindi zyobilo, taakali kukonzya kubeleka mbuli mali. Eeci ciitwa kuti penzi lyakubelesya mali omwe ziindi zyobilo.

Mu 31 Oktoba 2008, muntu na kabunga kakali kubelesya zina lyakuti Satoshi Nakamoto wakazwayisya lugwalo lwakali kupandulula nzila yakumanizya penzi eeli: Bitcoin: Nzila Yamali Aamakompyuta Aatumwa Kuzwa Kumuntu Kuya Kumuntu. Mutanda wamakompyuta wakatalika mu Janwali 2009.

Bitcoin ni mali aamakompyuta aa tabuswi abusolozi bomwe, aajisi mweelwe uujisi mpesi, alimwi alakonzya kutumwa kuzwa kumuntu kuya kumuntu akutali kuzumizyigwa abbanga.

Kuba kutabuswi abusolozi bomwe caamba kuti taakwe ofesi iisalala iikonzya kupanga maakaunti, kucinca mali aali mumaakaunti, na kuzumizya bayandika kunjila. Muntu uuli woonse ulakonzya kubweza akutololesya pulogilamu iili akodi iijulikide boonse, alimwi makompyuta manji aaliiminina alikke alabweza makopi aamagwalo aalembwa. Eeci tacaambi kuti boonse bajisi nguzu zyeelene. Caamba kuti taakwe muntu omwe uunjizigwa uukonzya kucincila boonse bbuku lyamali na milawo yamali.

Kujana mweelwe uujisi mpesi caamba kuti takukabi bitcoin ziinda ku 21 miliyoni. bitcoin mpya zilazwayisyigwa kweendelana aciindi cizibidwe abantu boonse, alimwi makompyuta aaliiminina alikke aaitwa kuti ma node alakaka bbulooko lyoonse lityola mulawo ooyu. Mpesi eeyi ilasyomeka nkaambo muntu uuli woonse ulakonzya kuisinizya. Pele tauli mulawo wacilengwa: ulazumanana nkaambo bantu banjizigwa balazumanana kuusunga. Alimwi mweelwe uujisi mpesi taupi cisyomezya cakuti muulo unootanta. Muulo usyomeka akuyandwa kwamali alimwi amweelwe wawo uulipo.

Kuba kuzwa kumuntu kuya kumuntu caamba kuti mulakonzya kutuma bitcoin kumuntu uuli woonse, kulikoonse, akutali kujula akaunti kumutanda wa Bitcoin na kulomba kuzumizyigwa kubusolozi bomwe. Taakwe kampani iikonzya kukasya kubelesegwa kwa bitcoin njomulibambila nobeni. Lubazu lumbi lwaluumuno oolu nkulilemeka mulimo: kutumizya mali kuzumizyidwe kanji-kanji takukonzyi kujokozigwa, alimwi taakwe ofesi yakupa lugwasyo kumutanda ooyu.

Kumvwisya kutali kabotu kumwi nkukwaamba kuti Bitcoin tayikonzyi kujanwa nkaambo bitcoin yomwe iladula. Tamweelede kuula na kubelesya bitcoin yomwe iili yoonse. bitcoin yomwe ilaabanyigwa kuzwa mutupa tusyoonto tuli 100,000,000 twiitwa kuti satoshis, na kuti sats. Kujana 100,000 sats akujana 0.001 bitcoin kwaamba mweelwe omwe.

Mutanda ooyu usyomeka kubantu basiyene-siyene banjizigwa: babelesya batuma, batambula, akubamba bitcoin; ma node asinizya kutumizya mali koonse abbulooko lyoonse kuti zilatobela milawo; alimwi basimi bapalisana kuyoongela bbulooko mpya kumagwalo aalembwa mu ciindi ciinda afwaafwi maminiti aali kkumi. Magwalo aayo, aaitwa kuti ciketani camabbulooko, alijulikide boonse alimwi muntu uuli woonse ulakonzya kwaabona, pele kwaalemba lubo kuladula kapati.

Kaambo kajatikizya malembedwe: Bitcoin iilembedwe a B mupati kanji-kanji yaamba mutanda na nzila yoonse iibeleka. bitcoin iilembedwe a b musyoonto yaamba mali aayo ncobeni.

Bitcoin ilijisi zintu zibotu azitali kabotu. Muulo wayo ulakonzya kucinca cakufwambaana. Zilubizyo kanji-kanji tazikonzyi kululamisyigwa. Kutambulwa kwayo kucili kusyoonto mumaanze manji, alimwi kuibelesya cakukwabilila kuyandika kwiiya zimwi zintu. Bitcoin ilabwezya cisyomezyo cimwi cili kubunga akucibikka mukusinizya akulilemeka mulimo. Taigusyi ngozi.

Cimwi cikwama ca Bitcoin ncibelesyo, kanji cipulogilamu ca mufwuunwa, cimuzumizya kutambula, kulanganya akutumizya bitcoin. Bitcoin yanu tiibikkwi mukati ka mufwuunwa wanu: ilembedwe pa blockchain. Cikwama cilanganya makiyi aamuzumizya kusinizya kuti njiyanu akuzumizya kubbadela.

Aboobo, muzyo wakusaanguna kujatikizya cikwama cili coonse nguyu: ngwani uulanganya makiyi?

Ngwani ncobeni uujisi bitcoin yanu?

Kwiinda mukubelesya cikwama ncomulilanganizya nobeni, ndinywe mulanganya makiyi.

Ciindi nomucibamba, cimutondezya majwi aambuto (aabitwa alimwi kuti majwi aakubweedezya): mulongo wamajwi aabikkidwe munzila yeelede, kanji 12 naa 24. Alakonzya kubamba alimwi makiyi aanu mucibelesyo cimbi. Uuli woonse uujisi majwi aaya ulakonzya kubweza bitcoin yanu. Majwi aambuto taali aakubweedezya buyo: alapa nguzu zyoonse zyakunjila akubelesya bitcoin yanu.

Aakwabilileni:

• aalembeni kabotu-kabotu apepa ciindi nomubamba cikwama;
• aabikkani kutali a intaneti, mucisisi, abusena mpataakajayi naa kunyonyoonwa;
• mutajisi cifwanikiso camajwi aaya, mutaatumizyi mu imeyili, mutaabikki mumalembe aabambwa pa intaneti, naa kuatuma mumulumbe;
• mutalembi majwi aaya awebusayiti.

Na mwajaya majwi aanu aambuto acibelesyo canu, taakwe uukonzya kumubweedezya bitcoin yanu.

Kwiinda mukubelesya cikwama cilanganizyigwa akkampani, kkampani njimubambila makiyi, mbuli mbicita bbange. Mali aatondezyegwa mucikwama canu ncisyomezyo cakkampani cakuti ilamubbadela. Nzila yakucibamba njimuuzyi alimwi mulakonzya kujana lugwasyo, pele muyeeme akk upampani eeyo: ilakonzya kubikka mipaka yakugwisya mali, kwimik aakaunti, kunjililwa aabantu babba, naa kujalwa.

Majwi aagwasya munyika ya Bitcoin ngaaya: na makiyi tali aanu, amali tali aanu. Kusala uulanganya makiyi tacili cilenganyo cabulemu bwanu. Ciyandika nkuzyiba musyobo ngomubelesya acintu ncomusyoma.

My First Bitcoin taisalili bantu zikwama zimwi. Zibelesyo, mali aakubelesya zikwama, abene bazyo zilacinja, alimwi ceelela umwi musyobo wabantu cilakonzya kutayelela umbi. Buz y ani muyiisyi uusyomeka kuti bantu bamucilawo canu bab elesya nzi, alimwi langanyani zintu eezi nobeni kamutanabelesya cikwama cili coonse:

• Makiyi: ngwani uulanganya makiyi, ndinywe naa nikkampani?
• Kubweedezya: ncinzi cicitika na mufwuunwa wanu wajaya naa kk ampani yamana?
• Nkokizwa: mwakacigwisya awebusayiti yacigaminina naa abusena bwacigaminina mucitolo camapulogilamu, kutali kwiinda acijatikizyo ncomwakatumizigwa amuntu?
• Mabambidwe aacipulogilamu: mabambidwe aaco alavwulidwe kuti bantu boonse baabone akua langanya, alimwi cilalanganizyigwa lyoonse? (Kuvwula mabambidwe aacipulogilamu buyo takusinizyi kuti cibelesyo cila lukwabililo.)
• Mali aakubelesya: mbubotu nzi bwamali buleelede kubbadelwa pakutumizya, kutambula, naa kugwisya mali?
• Kubbadala: cilazumizya kubbadala munzila njomuyanda, mukati ka blockchain na kwiinda mu Lightning?

Bitcoin ilijisi nzila zyobilo zyibelesyegwa kapati kubbadala. Mukati ka blockchain kubbadala kulalembwa cakutalika mu blockchain. Lightning ngumukwatano wakubbadala uuyakidwe a Bitcoin kuti kubbadala mali masyoonto, cakufwambaana alimwi kanji-kanji, nkokuli kuula kofi. Cikwama ca Lightning cilakonzya kubikkilwa amwi mali aayanganilwa amuntu umwi naa aayanganilwa andinywe nobeni.

Milawo yotatwe iyoomukwabilila ciindi nomwiiya:

1. Amwiiye kutanga. Mutaciti cintu akaambo kakukkomana kapati, kuyoowa naa kuninizyigwa.
2. Amutalike amasyoonto. Amusunke zyakubelesya nzyomutanaziba amali ngomuzyiba kuti naa mwaluza, tamukoocisa kapati.
3. Mutasyomi Buyo, Amusinizye. Amubone kuti muntu, nzila yakubbadala, adilesi alimwi amali zyiluzi antoomwe kamutanazumizya kubbadala.

Amwaabane makani aakutambula mali, kutali zintu zyacisisi. Adilesi naa cikumbiyo cakubbadalwa cilakonzya kwaabanwa. Mabala aakuvwusya cikwama naa kiyi yacisisi tazyeelede kwaabanwa pe. Taakwe muyiisi uusyomeka, kampani yacikwama naa mubeleki ugwasya uuyoomulomba zintu eezyi.

Amuleke naa umwi wamuninilizya kuti mufwambaane naa musise, wamulaya kuti kuyooboola mali cakutadooneka, wamulomba kuti mutumizye bitcoin kutanga, naa wamulomba mabala aanu aakuvwusya cikwama. Amuyoomane. Mutaaabani cintu. Mutatumizyi cintu. Mpawo amusinizye kwiinda kumuntu naa kubusena bwamakani nkomuzi kale.

Mali aayima amilawo akusyomana

Mali aa fiat aapa kuti kubbadala kube kuuba, pele bunji bwawo amilawo yawo zibikkwa amabungwe masyoonto, alimwi nguzu zyaawo zyakugula zilakonzya kuceya mukweenda kwaciindi.

Bitcoin iipa milawo iiyandene

Kuzwa mu 2009, Bitcoin yapa mali aajisi bunji buli aamamanino alimwi buzibidwe abantu boonse, aajanika kuli uuli woonse, aakonzya kusinizigwa kutali kusyomwa buyo. Pele ilaleta azintu ziyandika kuyeeyesya: kucinca-cinca kwamuulo, kuphonya kutakonzyi kululamikwa, alimwi mulandu wakulisunga nobeni.

Bukwabilizi bulaamba

Amwiile ntaanzi, amutaangile atuntu tusyoonto, alimwi amusinizye zyoonse. Mutapa muntu uumbi majwi aanu aakujulusya cikwama. Tamweelede kucita zyoonse aciindi comwe: ntampu yomwe iitobela iikwabilidwe ilakwana.

Aaku nkutaanguna buyo

Amujokele kumibuzyo iisanu yakutaanguna. Munga mwaingula buti lino?

Iyi Diploma ya Bitcoin ndiyo ntampu iitobela. Zibeela zyayo zyakwiiya zyone zilamutola kunembo, kuzwa kukumvwisisisya mali, kuya kukuti Bitcoin ibeleka buti, kuya kukubelesya Bitcoin munzila iikwabilidwe, kusikila kuli Bitcoin mucooko canu. Amuzumanane kuyandisisya kuzyiba, kubuzya mibuzyo, alimwi amwiiye zinji ku myfirstbitcoin.org.