Bitcoin ilibe kuthawira ku banki, koma banki yanu ikhoza kukhala nako.

KUTHAWA KWA ANTHU KUMABANKI NDI CHIYANI?

Mabanki samasunga zomwe mwayika m'chipinda chosungira. Amakongoza ndalama zanu ndi kuziyika — izi zimatchedwa fractional reserve banking.

Ngati anthu ambiri ayesa kuchotsa ndalama nthawi imodzi, banki ilibe ndalama zokwanira kulipira aliyense. Imeneyo ndi bank run — ndipo ikhoza kupangitsa banki kugwa kwathunthu.

Chiwerengero cha nkhokwe ya banki

Kuyambira pa 26 March 2020, mabanki a U.S. amayenera kusunga 0% ngati nkhokwe.

Gwero: Federal Reserve →

Chiwerengero cha nkhokwe ya Bitcoin

100%

Bitcoin iliyonse imakhalapo pa blockchain — palibe yomwe ikukongoletsedwa.

Gwero: Bitcoin Whitepaper →

Silicon Valley Bank: chitsanzo chenicheni

Mu March 2023, Silicon Valley Bank inalephera atatha kuyika zomwe makasitomala ayika m'mabondi a nthawi yayitali a boma. Mabondiwo ataya mtengo wawo, SVB sinathe kupereka zochotsedwa. Banki idalephera.

Mabizinesi zikwizikwi sanathe kulipira antchito awo. FDIC inalowerera — koma izi zinapangitsa funso lalikulu: kodi ndalama zanu zili zotetezeka?

Phunziro la mlandu

Phunzirani momwe kuthawira ku Silicon Valley Bank kunachitikira

Gwero: University of Washington School of Law →

Inshuwalansi ya FDIC ikhulupilira pafupifupi 1% ya zomwe zayikidwa

Inshuwalansi ya FDIC imateteza zomwe zayikidwa mpaka $250,000 pa wopereka aliyense. Koma ndalama za inshuwalansiyo ndi zochepa kwambiri poyerekeza ndi zomwe zayikidwa zonse zomwe ziyenera kutetezedwa.

Mu kulephera kwakukulu kwa banki, boma likhoza kusindikiza ndalama kuti likwaniritse mpata — zomwe zikupangitsa kuwonjezeka kwa kukwera kwa mitengo.

Chitetezo cha FDIC

1.42%

Ndalama za inshuwalansi za $153.9B vs $10.82T m'zomwe zayikidwa zoyikidwa inshuwalansi (Disembala 2025).

Gwero: FDIC Statistics at a Glance →

Chitetezo cha Bitcoin

100%

Dongosolo la nkhokwe yathunthu — palibe inshuwalansi yofunika ya zomwe zayikidwa.

Gwero: Bitcoin Whitepaper →

Bitcoin ilibe kuthawira ku banki

Bitcoin ndi dongosolo lokhala ndi nkhokwe yathunthu. Simukuyika ndalama zanu m'banki. Inu ndinu banki yanu yokha. Palibe wina amene amakongoletsa ndalama zanu popanda kuti mudziwe chifukwa inu nokha ndinu munthu okha amene angapeze ndalama zanu.

Mukasunga Bitcoin mu chikwama chanu — osati pa exchange kapena moyikidwa mu ETF — kuthawira ku banki sikungachitike.

Ndi Bitcoin, mukukhala ndi mphamvu zonse pa ndalama zanu.

Chinthu choyenera

Phunzirani momwe mungapezere chikwama chanu cha Bitcoin

Yambani pano →