Emzamweni wokuqinisa ukuvikeleka kwe-PIX, iBhange Elikhulu (Bacen) limemezele uchungechunge lwezinguquko emithethweni yesistimu yokukhokha ngokushesha ngomhla ka-6 Mashi . Kuningi osekushiwo mayelana nezinguquko ngokwazo, njengemfuneko yegama elibhaliswe ne-PIX ukuze lifane nalelo elibhaliswe ne-Federal Revenue Service. Kodwa-ke, kunama-nuances nomthelela osebenzayo odinga ukunakwa okukhethekile. Lezi zinguquko, nakuba zihloselwe ukuvimbela ukukhwabanisa, zinemithelela engathinta ukuphila kwansuku zonke kwabasebenzisi namabhizinisi.
U-Alex Tabor, i-CEO ye -Tuna Pagamentos , i-fintech ehamba phambili ku-orchestration e-Brazil, igcizelela ukuthi izinguquko ziyisinyathelo esibalulekile ekulweni nemikhonyovu eya ngokuya iyinkimbinkimbi. "Cabanga isimo lapho umkhohlisi egebenga i-WhatsApp yelungu lomndeni wakini bese ecela inkokhelo nge-PIX. Uma igama elivela ekwenziweni lifana nelesihlobo sakho, amathuba okuba uwele kulo mkhonyovu makhulu kakhulu," echaza. Imfuneko entsha yokuthi igama lomphathi we-akhawunti lifane nalelo elibhaliswe ne-Federal Revenue Service ihlose ukunciphisa lolu hlobo lokukhwabanisa. Nokho, uTabor uyaxwayisa: "Lokhu kusho ukuthi amabhange kanye ne-fintechs kuzodingeka bahlole kabili amarekhodi akho. Uma igama lakho lingaphelele noma lingapelwanga kahle, uzodinga ukulilungisa nesikhungo sezezimali ."
Okhiye abangahleliwe nama-imeyili: yiziphi izinguquko ekusebenzeni?
Olunye ushintsho olungase lube nomthelela ngokuqondile kubasebenzisi ukuvinjelwa ekushintsheni ulwazi oluxhunywe kokhiye abangahleliwe . Manje, uma umuntu noma inkampani ifuna ukubuyekeza idatha ehlotshaniswa nokhiye onjalo, kuzodingeka iwususe futhi idale omusha. "Lesi sinyathelo singabonakala siwukugunyazwa, kodwa kubalulekile ukuvimbela abakhwabanisi ukuthi basebenzise izintuba ohlelweni," kuphawula uTabor.
Ukwengeza, okhiye be-PIX abasuselwe ku-imeyili ngeke besakwazi ukuchasiswa. Lokhu kusho ukuthi uma ulahlekelwa ukufinyelela ku-akhawunti ye-imeyili exhunywe kukhiye we-PIX, kuyanconywa ukuthi uyisuse ngokushesha . "Lesi yisinyathelo sokuvimbela ukuvimbela ama-imeyili acishiwe noma akhohliwe ukuthi asetshenziswe ngonya," kusho uTabor.
Isimo sokubhalisa esingajwayelekile: kwenzekani kokhiye be-PIX?
Olunye lwezinguquko ezingaxoxwanga kangako, kodwa ezifanele ngokulinganayo, yisinqumo seBhange Eliyinhloko sokuthi okhiye be-PIX babantu ngabanye nezinkampani ezinesimo sokubhaliswa okungavamile ne-Federal Revenue Service bangafakwa. Lokhu kubandakanya ama-CPF anesimo sokubhalisa esimisiwe, esikhanseliwe, noma esingenalutho, kanye nama-CNPJ anesimo sokubhalisa esimisiwe, esingafaneleki, esikhanseliwe, noma esingenalutho. Kodwa-ke, i-Tabor icacisa ukuthi izikweletu nge-IRS ngeke zivimbele ukusetshenziswa kwe-PIX. "Izinkampani ezinezikweletu zizoqhubeka nokusebenzisa okhiye bazo ngendlela evamile. Lesi sinyathelo sihlose ukuvimba kuphela izimo lapho kunokuphulwa komthetho okungathi sína kokubhaliswa ."
Ihuku elehlukile: ukuvela kwe-PIX kanye nendima yomsebenzisi
Nakuba izinguquko ziqinisa ukuvikeleka kwesistimu, ziphinde zigqamise ukubaluleka kwabasebenzisi ukubamba iqhaza ngokukhuthele ekugcineni idatha yabo. "I-PIX ihlezi ishintsha, futhi iBhange Elikhulu lenze umsebenzi oyisibonelo wokuhlonza ukukhwabanisa nokulungisa imithetho," kusho uTabor. "Kodwa abasebenzisi nabo badinga ukwenza ingxenye yabo ngokuhlola njalo ukuthi idatha yabo isesikhathini futhi ihambisana namarekhodi asemthethweni."
Kulabo abanemibuzo mayelana nesimo sabo sokubhalisa, sincoma ukuthi bavakashele -Federal Revenue Service futhi bahlole ulwazi lwabo lwe-CPF noma lwe-CNPJ. “Lona wumkhuba olula, kodwa unganqanda izinkinga zesikhathi esizayo,” kusho uTabor.
Imithetho emisha ye-PIX imele isinyathelo esibalulekile esiya phambili ekulweni nokukhwabanisa, kodwa futhi iletha izibopho ezengeziwe zabasebenzisi nezikhungo zezezimali. Nakuba iBhange Elikhulu liqhubeka nokuqapha futhi lilungise uhlelo, ukubambisana kwabo bonke abathintekayo kuzobaluleka kakhulu ekugcineni i-PIX njengendlela yokukhokha ephephile nethembekile. Njengoba uTabor egcizelela: "Ukuphepha kwedijithali kuwumzamo ohlangene. Konke ukulungiswa okuncane kunomthelela ku-ecosystem eqinile futhi esengozini encane yokukhohliswa."
