Banki Nkuru y’u Rwanda (BNR) yatangaje ko mu myaka ibiri u Rwanda ruzaba rwamaze gushyiraho ifaranga koranabuhanga rizaba ryemewe nk’ifaranga rikoreshwa na Banki Nkuru y’u Rwanda (Central Bank Digital Currency (CBDC).

Ni muri gahunda yo gushyira imbaraga mu guteza imbere urwego rw’ishoramari rwifashishije ikoranabuhanga, ari na yo nkingi y’ubukungu bw’Isi mu bihe biri imbere. 

BNR ivuga ko Ifaranga Koranabuhanga ry’Igihugu, rizaha ubwisanzure Abanyarwanda, bwo guhererakanya amafaranga mu mutuzo kandi mu buryo bwihuse, ugeraranyije n’andi mafaranga yari asanzwe akoreshwa.

Ni Ifaranga Korabuhanga kandi BNR ivuga ko ryitezweho gutuma abaturage benshi batarakangukira kubitsa amafaranga yabo muri Banki, bazazigama ku bwinshi kuko bazaba bahizeye umutekano usesuye.

Ifaranga Koranabunga ni ifaranga rigezweho ririmo gukoreshwa ku Isi, mu gihe rizaba ryashyizweho, BNR ihamya ko azafasha Guverinoma y’u Rwanda ndetse na Kompanyi z’Abikorera gukora ubucuruzi mpuzamahanga nta nkomyi.

N’ubwo bimeze bityo ariko kugeza ubu, ku Banyarwanda benshi, kimwe n’abandi batuye Isi yose, ifaranga rya CBDC bakomeje kuryigishwa.

Mu kiganiro yahaye The New Times, Guverineri Wungirije wa Banki Nkuru y’u Rwanda, Hakuziyaremye Soraya, yasobanuye ko CBDC ifite akamaro ku gukoresha Ifaranga Koranabunga nk’igihugu ndetse n’akamaro bifite abaturage.

Yasobanuye ko kugeza ubu bamwe mu bafatanyabikorwa b’u Rwanda barimo igihugu cy’u Bushinwa, barimo kugerageza ikoreshwa ry’ifaranga koranabuhanga ry’ama Yuan, ndetse n’Umuryango w’Ubumwe bw’u Burayi (EU) na wo urimo gutegura uburyo bwo gukoresha iryo faranga bitarenze mu 2025.

Yagize ati: “Icya mbere, ndashaka kugaruka ku cyo CBDC ari cyo, kubera iki twemera gukoresha Ifaranga Koranabunga ry’u Rwanda, rikaba ryakoreshwa ku masoko yo mu gihugu.

CBDC Ishobora kuba amafaranga y’ikoranabuhanga, ndetse icya rimwe Abanyarwanda bagakomeza no gukoresha inoti n’ibiceri bisanzwe mu kugura ibintu bitandukanye, ndetse no kwishyurana hakoreshejwe ikoranabuhanga, Ifaranga Koranabunga rizajya rikora kimwe gutyo.”

Soraya yakomeje avuga ko gukoresha Ifaranga ry’Ikoranabuhanga ryagize akamaro mu iterambere ry’ibihugu bitandukanye byamaze kuritangiza.

Ati: “Turabizi ibihugu 11 byamaze gutangaza ikoreshwa rya CBDC. Icya mbere ni Bahmas, dufite ibindi bihugu byo muri Afurika birimo Nigeria, Ghana na Afurika y’Epfo.

U Rwanda rumaze kuba igicumbi cy’ikoranahanga, hagamijwe kandi gukoresha amafaranga akoreshwa mu buryo bw’ikoranabuhanga mu rwego rw’ubukungu, ndetse no kuba igicumbi cy’imari ku rwego mpuzamahanga, dukeneye kumva Icy’ingenzi kandi ni ngombwa kugisha inama amabanki, abatanga serivisi zo kwishyurana, kimwe n’ibindi bigo bya Leta kugira ngo batange ibitekerezo byabo kuri CBDC.”

Hakuziyaremye avuga ko ibyavuye mu bushakashatsi byerekana ko mu Rwanda hari amahirwe menshi yo gukoresha ifaranga ry’ikoranabuhanga ry’igihugu.

Ati: “Twabonye ko hari ibintu bine twasuzuma. Icya mbere ni uko CBDC yakwihanganira sisitemu yo kwishyura, iriho kandi mu by’ukuri yaba uburyo bwiza bwo kwishyurana mu gihe cy’ibibazo cyangwa ibiza bije bitunguranye.”

CBDC kandi izateza imbere guhanga udushya no guhatanira mu batanga sisitemu yo kwishyura, ndetse no kwihutisha gahunda yo kwishyurana mu buryo bwikoranabunga ndetse CBDC binazamure inyungu mu bucuruzi bwambukiranya imipaka.

Twe gahunda yacu turayikomeje, bikazasaba Inama y’Abaminisitiri kubifataho umwanzuro kubera ko rizaba ari ifaranga ry’u Rwanda.”

Yakomeje avuga ko BNR yifuza ko CBDC ifitiye inyungu abaturage atari inyungu kuri Leta, ari yo mpamvu hatangajwe ubushakashatsi bwakozwe, ndetse no guha umwanya abaturage ngo batanga ibitekerezo, aho BNR yiteze kwakira ibitekerezo by’abo bireba bose.