I-Brazil isibe umholi womhlaba wonke uma kuziwa ekusungulweni okusha ohlelweni lwezezimali. Ukwethulwa kwe-Pix ngo-2020 kwaba inguquko yegeyimu: inikeze amandla ukudluliselwa okusheshayo, kwamahhala okutholakala ngo-24/7, esikhundleni semikhuba emidala efana nemali, ukudluliselwa kwezintambo, noma iziliphu zasebhange. Manje, ngokufika kwe-Drex, inguqulo yedijithali ye-Brazilian real ekhishwe yi-Central Bank, izwe lethu lilungiselela olunye uguquko, oluthule kancane, kodwa olusenamandla okuba nomthelela omkhulu ohambweni lwethu lwezezimali.
I-Drex, ethuthukiswayo njengohlobo lwemali yedijithali esemthethweni yase-Brazil, akuyona nje "inguqulo ebonakalayo" ye-Brazilian real, njengoba abaningi bekholelwa. Kuyingqalasizinda esekelwe kubuchwepheshe be-ledger esabalalisiwe (i-blockchain), ezonika amandla izinkontileka ezihlakaniphile, ukuvikeleka okukhulu, kanye namathuba amasha okwenza imisebenzi yezezimali ngokuzenzakalelayo. Ngokungafani ne-Pix, emane idlulisele izimali phakathi kwama-akhawunti asebhange, i-Drex ivumela uhlobo lwemali ngokwalo ukuthi lube nemithetho ehlelekayo, okuvula isikhala sokusungula izinto ezintsha ezindaweni ezifana nekhredithi, umshwalense, izinkokhelo ezinemibandela, nokunye okuningi.
Njengoba uhlelo lwemali yedijithali luthuthuka, iBhange Elikhulu lihlose ukuqinisa ukuphepha kanye nezinqubomgomo zokuvikela idatha yomsebenzisi. Lesi sinyathelo siyadingeka ngempela, njengoba idatha ibonisa ukuthi i-Drex isivele isingathe u-R2 bhiliyoni emalini yokuhlola ngoDisemba 2024, ngokubamba iqhaza kokuqala kwezikhungo zezezimali ezingama-20. Ngo-2025, lesi sibalo kulindeleke ukuthi seqe amabhiliyoni angama-R50, ngokubamba iqhaza kwamabhange nama-fintech angaphezu kuka-100. Ngokwenhlolovo ye-Swiss Capital, ukusetshenziswa kwe-Dex kunganciphisa izindleko zokusebenza zezikhungo zezezimali kuze kufike ku-40%, ngenxa yokuqedwa kwabaxhumanisi ekuthengiseni nasekusetshenzisweni kwezinkontileka ezihlakaniphile.
Umthelela wansuku zonke
Ngokuhlanganiswa phakathi kwe-Pix ne-Drex, abathengi bazokwazi ukujabulela ulwazi lwezezimali olungenazihibe nakakhulu. Ake ucabange ukhokha intela yakho yanyanga zonke ngenkontileka ehlakaniphile edlulisela ngokuzenzakalelayo inani ngesikhathi, noma uthole imali mboleko esheshayo enesibambiso esihleliwe nge-Drex. I-Bureaucracy izothathelwa indawo yi-automation, futhi ukwethembana ngeke kusancika kuphela ezikhungweni zabalamuli.
Ngaphezu kwalokho, ngikholelwa ukuthi imali yedijithali ingaba umlingani onamandla ekufakweni kwezezimali. I-Pix isivele ithathe izinyathelo zokuqala kulokhu, ihlinzeka ngendlela yokukhokha elula ezigidini zabantu baseBrazil abangabhanga. I-Drex ingaqhubeka nokwandisa lokhu kufinyelela ngokunika amandla i-fintech nezinye izikhungo ukuthi zenze imikhiqizo efinyeleleka kakhudlwana, yomuntu siqu, nevikelekile, esebenzisa amandla ezinkontileka ezihlakaniphile nokwabiwa kwamazwe.
Yiqiniso, akuyona yonke into enhle. Ukwenziwa kwedijithali okuphelele kwemali kuphakamisa imibuzo ebalulekile mayelana nobumfihlo, ukubhekwa kombuso, nokuphepha kwedatha. Kuphinde kube nobungozi bokukhishwa kwedijithali, ikakhulukazi kumasegimenti abantu abanokufinyelela okulinganiselwe kubuchwepheshe noma i-inthanethi. Kuzobaluleka kakhulu ukuqinisekisa ukuthi i-Dex inembile futhi iyafinyeleleka, nokuthi izinqubomgomo zomphakathi zihambisana nokuqaliswa kwayo, ezigxile emfundweni yezezimali neyedijithali.
IBrazil ihamba phambili ekuguquleni uhlelo lwezezimali. Njengoba i-Pix isivele isunguliwe futhi i-Drex isathuthukiswa, siqhubekela kuhlelo lwezemvelo lapho imali izohlakanipha, isebenze kahle, futhi ibandakanye kakhudlwana. Kodwa-ke, impumelelo yalolu hambo izoncika ekhonweni lokulinganisa ukusungula nomthwalo wemfanelo, ukuqinisekisa ukuthi izinzuzo zalesi sikhathi esisha zifinyelela wonke umuntu.
U-Renan Basso ungumsunguli kanye nomqondisi webhizinisi we-MB Labs , inkampani eyaziwayo egxile ekubonisaneni nokuthuthukisa izinhlelo zokusebenza zedijithali nezinkundla. Unomsebenzi oqinile emkhakheni wezobuchwepheshe. Uneziqu zobunjiniyela bamakhompiyutha azithola e-PUC Campinas kanye ne-MBA evela ku-DeVry Educacional do Brasil, u-Basso unguchwepheshe wezobuchwepheshe, unjiniyela wezinhlelo zesofthiwe, kanye nomthuthukisi wezinhlelo wezinkampani ezinkulu. Ugxile ekwakheni ubuchwepheshe bezimboni zezezimali nezinhlelo zokusebenza ezinhle kakhulu. Unolwazi olunzulu emkhakheni wezobuchwepheshe kanye nezezimali, ngenhloso yokushayela emisha nokudala izixazululo ze-fintechs.
