Banki Nkuru y’u Rwanda (BNR) yatangaje ko yasoje igerageza rito ryitwa “Proof of Concept (PoC)” mu rurimi rw’icyongereza, ryakozwe ku ishyirwa mu bikorwa ry’Ifaranga-Koranabuhanga rya Banki Nkuru (Central Bank Digital Currency – CBDC), ryiswe e-Franc Rwandais (e-FRW).

Iri gerageza rifatwa nk’intambwe ikomeye mu rugendo u Rwanda rurimo rwo kubaka urwego rw’imari rutajegajega, rudaheza kandi rukoresha ikoranabuhanga rigezweho.

Igeragezwa ryakozwe ku buryo e_frw ari ifafanga rishobora gukoreshwa ku bantu bishyurana hagati yabo, cyangwa bishyura abacuruzi n’ibigo, abacuruzi barangura ku bandi bacuruzi n’ibindi.

Ikindi cyageragejwe ni ukureba niba iryo faranga koranabuhanga ritakoreshwa gusa ku bafite murandasi, rikaba ryanakoreshwa ku badafite internet (dual offline mode). Ibyo binashoboka kandi hakoreshejwe uburyo bwa USSD abantu basanzwe bamenyereye nko gukanda akanyeneyeri.

Umutekano w’iryo faranga warongerewe cyane ku buryo bidashoboka kwishyura serivisi imwe inshuro ebyiri atari ku bushake. Hariho kandi uburyo bwo kubika mafaranga bugezweho haba kuri telefoni zigezweho cyangwa ku makarita agezweho.

Ni igerageza ryakozwe ku bufatanye n’amabanki, abatanga serivisi zo kwishyurana, ibigo bizobereye mu ikoranabuhanga ryo guhanga udushya mu rwego rw’imari n’inzego za Leta zitandukanye.

Ubuyobozi bwa BNR buvuga ko iri gerageza ryavuyemo ibitekerezo bifatika ku byerekeye ikoranabuhanga rikenewe mu gukora e-Frw, uko abarikoresha babona serivisi, imicungire y’ibibazo bishobora kuvuka mu kurikora no kurikoresha ndetse n’ibyakwibandwaho mu mategeko n’amabwiriza arigenga.

Ni muri urwo rwego hagiye gutangira irindi geragezwa ryagutse rizamara amezi 12 rikorerwa ku matsinda y’Abanyarwanda batandukanye bakorera mu Mujyi wa Kigali, imwe mu mijyi yunganira uwa Kigali ndetse na bimwe mu bice byatoranyijwe mu cyaro.

Nanone kandi hagiye kongererwa imbaraga gahunda yo kugeza serivisi z’imari kuri bose hifashishijwe uburyo bworoshye bwa USSD n’ibikoresho bidahenda.

CBDC ni ifaranga ry’ikoranabuhanga ritangwa na banki nkuru z’ibihugu, rigakora kimwe nk’amafaranga asanzwe afatika nk’inoti n’ibiceri, icyakora ryo rikaba rifite udushya dutandukanye nko kuba ryakora ahatari murandasi n’ibindi.

Guverineri wa Banki Nkuru y’u Rwanda Soraya Hakuziyaremye, ubwo yagezaga ku Nteko Ishinga Amategeko imitwe yombi, Raporo y’Ibikorwa bya Banki Nkuru y’u Rwanda by’umwaka wa 2024/25 ku wa 01 Ukuboza 2025, yagaragaje ko ifaranga korabanabuhanga rifite byinshi rishobora gufasha harimo kwihutisha kwishyurana, gukoresha tekinoloji mu buryo budateza ibibazo n’ibindi.

Yongeyeho ko ikiri mu byigwaho muri uyu mwaka ari ukureba ko iryo faranga ryakorana n’ibindi bihugu bisanzwe bihahirana n’u Rwanda.

Yagize ati: “Icyo tutaragerageza ni ukureba niba dushobora kohereza iryo faranga koranabuhanga n’ibindi bihugu. Ese dushobora kohererezanya n’ibihugu dusanzwe duhahahirana ntihagire ikibazo kibamo? Cyane cyane tubona ko ikizanafasha mu gukoresha CBDC ari ukureba niba yagabanya igiciro cyo kohereza amafaranga mu buryo bwambukiranya imipaka.”

Mu 2023 ni bwo BNR yatangiye inyigo yo kureba uburyo mu Rwanda hatangira gukoreshwa ifaranga ry’ikoranabuhanga rigenzurwa na BNR. Inyigo y’ibanze yari igamije kureba icyo iryo faranga ryamarira Abanyarwanda, uko ryakoreshwa bigendanye n’ubundi buryo busanzwe mu Rwanda nk’amabanki cyangwa Mobile Money.

CBDC yitezweho ko izinjizwa mu mikorere y’Ifaranga ry’u Rwanda aho umuntu ashobora kuba afite amafaranga kuri konti agasaba ikigo bakorana ko kiyamuha mu mafaranga y’ikoranabuhanga akaba yayahabwa.

Umuntu ashobora no guhitamo ko bayamuha mu madolari cyangwa akagira konti zitandukanye zijyaho amafaranga ya CBDC cyangwa asanzwe.

Ibihugu birenga 130, ku Isi biri kwiga ku ikoreshwa rya CBDC, ndetse ibihugu bimwe by’i Burayi biri ku murongo umwe n’u Rwanda wo gutangiza iri koranabuhanga riteza imbere urwego rw’imari rujyanye n’igihe.

Ba uwa mbere mu kumenya amakuru agezweho!!!