U Rwanda rwerekeje ku ikoreshwa ry’Ifaranga Koranabuhanga (e-FRW) rizoroshya ubucuruzi n’ishoramari

U Rwanda ruri mu rugendo rwo gutangira gukoresha ifaranga koranabuhanga rya Banki Nkuru (e-FRW), rishobora guhindura imikorere y’ubukungu n’uburyo Abanyarwanda bashora imari cyangwa bagurizwa n’ibigo by’imari byo hirya no hino ku Isi.

Ibi bijyana n’umushinga w’itegeko rigenga umutungo koranabuhanga (Virtual Assets), wemejwe n’Inama y’Abaminisitiri yo ku wa 4 Werurwe 2026. Iryo tegeko rigamije gushyiraho umurongo n’amabwiriza bigenga ikoreshwa ry’ikoranabuhanga mu by’imari, by’umwihariko mu bijyanye n’imikoreshereze y’imitungo y’ikoranabuhanga.

Abahanga muri uru rwego bavuga ko iri koranabuhanga rishobora gutuma imitungo iri mu Rwanda igira agaciro ku rwego mpuzamahanga kurushaho, ku buryo ishobora gukoreshwa nk’ingwate mu mabanki yo mu mahanga.

Robert Ford Nkusi, uhagarariye ikigo gikora ubucuruzi bwifashisha ikoranabuhanga mu by’imari cya Yellow Card, asobanura ko mu buryo busanzwe umuntu yajyanaga umutungo we muri banki yo mu Rwanda akawutangaho ingwate akagurizwa amafaranga, ariko bikemerwa mu gihugu imbere gusa.

Ati: “Mu ikoranabuhanga rishya, umutungo nk’inzu cyangwa ubutaka ushobora guhindurwamo ibyitwa ‘tokens’, bikabikwa ku ikoranabuhanga rya Blockchain. Ibi bituma uwo mutungo ugira agaciro gafatika ku rwego mpuzamahanga, ku buryo ushobora no kwakirwa nk’ingwate mu mabanki yo hanze.”

Akomeza avuga ko iri tegeko nirishyirwa mu bikorwa, urwego rushinzwe kugenzura isoko ry’imari n’imigabane, CMA, rizashyiraho uburyo bwo kugena agaciro ka tokens, ku buryo zishobora guhuzwa n’amafaranga asanzwe nk’ifaranga ry’u Rwanda.

Ibi ngo bishobora no gukoreshwa ku yindi mitungo itandukanye irimo ibibanza, ubutaka cyangwa amabuye y’agaciro, igahindurwamo tokens zifite agaciro ku rwego mpuzamahanga.

Abahanga kandi bavuga ko ikoreshwa ry’ifaranga koranabuhanga rishobora kugabanya ibiciro byo kohereza amafaranga no koroshya ubucuruzi mpuzamahanga. Ubusanzwe, abacuruzi benshi bagombaga kubanza kuvunjisha amafaranga y’u Rwanda mu madolari cyangwa mu mayero kugira ngo babashe kurangura ibicuruzwa mu mahanga, ibintu byabongereraga ibindi biciro.

Norbert Haguma, uyobora ihuriro ry’abakora mu ikoranabuhanga rya Blockchain mu Rwanda (Rwanda Blockchain Association), avuga ko iri tegeko rije gukemura zimwe mu mbogamizi zari ziri muri uru rwego.

Ati: “Iri tegeko nirijya mu Igazeti ya Leta, rizafasha abakora ibikorwa by’ikoranabuhanga mu by’imari gukora neza mu buryo bwemewe n’amategeko. Rizafasha kandi koroshya ishoramari, kuko abantu bashobora no kugura imigabane mu mutungo runaka batagombye kuwugura wose.”

Yatanze urugero rwa moto ishobora kugurwa n’abantu benshi bayisangamo imigabane, ku buryo umuntu ashobora gutunga nk’igice cya moto, urugero nka kimwe cya cumi (1/10), aho kuyigura yose.

Ibi byose biganirwaho nyuma y’uko Banki Nkuru y’u Rwanda itangaje ko yamaze gukora igerageza rya mbere rizwi nka Proof of Concept ku ifaranga koranabuhanga rya Banki Nkuru, ari ryo e-FRW.

Mu ntangiriro z’iki cyumweru kandi, Urwego rw’Abikorera mu Rwanda (PSF) binyuze mu ishami ryarwo ry’ikoranabuhanga (ICT Chamber), rwahuje inzobere zitandukanye mu rwego rwa fintech kugira ngo baganire ku mahirwe n’imbogamizi ziri muri iri koranabuhanga.

U Rwanda rwemeje umushinga w’iri tegeko rubaye igihugu cya kabiri mu muryango wa Afurika y’Iburasirazuba (EAC) kibikoze, nyuma ya Kenya.

Ibiganiro kuri iri koranabuhanga biri no mu byagarutsweho mu nama mpuzamahanga ku ikoranabuhanga ridaheza mu by’imari Inclusive FinTech Forum, iri kubera i Kigali kuva ku wa 10 kugeza ku wa 12 Werurwe 2026. Iyo nama ihuza abayobozi b’ibihugu, abashoramari ndetse n’abayobozi b’ibigo by’ikoranabuhanga bagamije kurebera hamwe uburyo ikoranabuhanga ryateza imbere ubukungu bwa Afurika. Ba uwa mbere ku makuru yacu https://whatsapp.com/channel/0029Vad5UfC89inh67apBK2j