Banki Nkuru y’u Rwanda iri kwiga uko yatangiza ifarangakoranabuhanga bise e-Franc Rwandais cyangwa Central Bank Digital Currency( CBDC).
Ikiri gukorwa muri iki gihe ni ukurigerageza ngo barebe ko bazagera mu Ukwakira, 2025 baramenye niba ryakorana neza n’ubukungu bw’u Rwanda cyangwa niba baba bariretse.
Serge Mugiraneza wo muri BNR avuga ko ayo mafaranga asa n’amafaranga asanzwe ariko yo akora mu buryo bwikoranabuhanga, rikagenzurwa na BNR kandi rikaba ritekanye.
Ni ifaranga rizakora nk’inoti n’ibiceri ariko mu buryo bw’ikoranabuhanga.
Mu yandi magambo, mu buryo bw’ikoranabuhanga, urifite azajya yishyura bamugarurire nk’uko bisanzwe bigenda ku mafaranga asanzwe.
Nyuma yo kurikoraho ubushakashatsi, ubu bari kurigeragereza ku itsinda rito ririmo za Banki, abakozi bamwe na bamwe muri BNR n’abo mu bindi bigo .
Ingrid Cyuzuzo nawe ukora muri iyi Banki avuga ko nyuma yo gukorera iryo gerageza ku bantu bake, bazakorera no ku rindi rinini kurushaho bakareba niba ibisubizo bibonetse bisa n’ibyabanje.
Ati: “ Nyuma rero ushobora kongeraho irindi gerageza cyangwa ukarekeraho bitewe nibyo wari ugamije kugeraho mu bushakashatsi bwawe”.
Ibyo byose bigendana no kureba ibyabishowemo n’ubumenyi bwagaragaye mu bantu bakoreweho ubwo bushakashatsi mu gukoresha iryo faranga, hagakurikiraho kwemeza ko rigiye gutangira gukoreshwa koko.
Mu gusobanura itandukaniro ry’iryo faranga BNR iri gukora n’andi mafaranga koranabuhanga asanzwe, Serge Mugiraneza avuga ko ryo rizaba ricungwa mu buryo bwuzuye na Banki nkuru y’igihugu.
Hasanzweho andi mafarangakoranabuhanga acuruzwa henshi ku isi atagira aho ahurira na za Banki nkuru z’ibihugu.
Ibi bituma hari abajya bibwa ayo bashoye, bikagora ibihugu kumenya uko byakurikirana ikibazo nk’icyo.
Agaciro k’ifaranga nk’iri kandi kicara gahindagurika, ibintu bishobora kugira ingaruka ku bukungu bw’umuntu n’ubw’igihugu muri rusange.
Ingrid Cyuzuzo avuga ko ikigo akorera kiri kureba uko iryo faranga rizaba rikoze; ari nako kireba uko mu rwego rw’amategeko ibyaryo bizaba biteganyijwe.
Kuri we, ni ngombwa kureba niba nta byago byazaterwa n’abagizi ba nabi mu ikoranabuhanga bashobora kuzabyuririraho bakiba cyangwa bakaryangiza mu buryo ubwo ari bwo bwose.
Serge Mugiraneza yabwiye RBA ko mu kwishyurana hakoreshejwe ririya faranga, abafite telefoni z’ikoranabuhanga bazashyiramo ‘app’ izaba ifite ubwo bushobozi, ariko abatazifite bakazashobora no kurikoresha binyuze mu gukanda akanyenyeri, ibyo bita USSD.
Ibyo biziyongeraho no gukoresha ikarita.
Banki y’u Rwanda iherutse gutangaza ko yemereye abantu bafite ibitekerezo by’uburyo iri faranga ryazakoreshwa mu buryo bugezweho bwo kugera kuri serivisi z’imari, kubitanga.
Rizaba ifaranga rishobora no guherwaho abantu bohererezanya amafaranga ari no mu madovize ni ukuvuga Amadolari($), Amayero(€), Amapawundi(£) n’ayandi.
Kuritunganya nibirangira, hazakurikiraho kurishakira izina rizorohera Abanyarwanda kuko ari ifaranga ryabo.
Guverineri wa Banki Nkuru y’u Rwanda Soraya Hakuziyaremye aherutse kuvuga ko u Rwanda rwahisemo kureba niba rutakora iryo faranga nk’uko nabo muri Cambodia barikoze bityo rikagira uruhare mu bukungu bw’igihugu bitabangamiye amafaranga asanzweho.
Abasomyi bamenye ko uburyo busanzwe bwo kwishyurana bwo gukanda akanyenyeri haba kuri Airtel Money no kuri Mobile Money cyangwa gukoresha ikarita ya Tap and Go n’ubundi butandukanye, butazasimburwa n’iryo faranga rizaba ari inzaduka.
