Ci gaban kasuwar tsabar kudi mai tsayi a duniya
Tsabar kudi masu tsayi (stablecoins) sune ginshiƙin kasuwar cryptocurrency. Babban jarin su ya karu daga kusan dala biliyan 20 a shekarar 2020 zuwa sama da dala biliyan 150 a shekarar 2024. Wannan yana nuna karuwar kusan 50% a kowace shekara. Mafi shahararrun sune USDC da USDT, waɗanda ake amfani da su a cikin DeFi da biyan kuɗi. Hakanan a ƙasashen Musulmi, ana buƙatar tsabar kudi masu tsayi saboda suna da 'yanci daga riba (riba) da haɗari (gharar).
Matsayin tsabar kudi masu tsayi a cikin kuɗin Islama
A cikin kuɗin Islama, tsabar kudi masu tsayi na iya zama halal idan suna da goyan bayan kadarori na gaske. Misali, USDC yana da goyan bayan dalar Amurka da takardun gwamnati, wanda ke guje wa gharar da riba. Masana'antar kuɗin Islama ta duniya (~ dala tiriliyan 4) tana buƙatar tsabar kudi masu tsayi don biyan kuɗi na dijital. Yawancin cibiyoyin kuɗi na Islama yanzu suna amfani da tsabar kudi masu tsayi don biyan kuɗi na ƙasa da ƙasa da rarraba zakka.
Ci gaban tsabar kudi masu tsayi akan Base blockchain
Base blockchain, wani cibiyar L2 wanda Coinbase ya ƙirƙira, yana haɓaka ma'amalar tsabar kudi masu tsayi cikin sauri. A shekarar 2024, wadatawar USDC akan Base ta wuce dala biliyan 1. Saboda Base yana da ƙananan kuɗi da saurin ma'amala, ya dace da kuɗin Islama. Dandamali kamar Qist suna ba da biyan kuɗi na kashi na USDC akan Base, inda mai siyarwa ya mallaki kayan har sai an biya cikakken kuɗi, kuma rarar kuɗi ana mayarwa.
Halin kasuwar tsabar kudi masu tsayi a Najeriya
A Najeriya, duk da dokokin cryptocurrency, amfani da tsabar kudi masu tsayi yana karuwa don aika kuɗi da biyan kuɗi. Najeriya tana da kusan Musulmi miliyan 100, waɗanda ke buƙatar kuɗin Islama. Tsabar kudi masu tsayi, musamman USDC, ana fifita su don ma'amalar da ba ta da riba. Ana hasashen cewa nan da shekarar 2025, ma'amalar tsabar kudi masu tsayi a Najeriya za ta ninka sau uku. Qist yana ba da biyan kuɗi na kashi wanda ya dace da Shari'a, yana bawa masu amfani damar siyayya ba tare da riba ba.
Yadda Qist ke aiwatar da hakan
Qist wani tsarin kuɗi ne na Islama akan Base blockchain wanda ke ba da damar biyan kuɗi na kashi. Mai siyarwa ya mallaki kadarorin har sai mai siye ya biya cikakken kuɗi. Ana yin biyan kuɗi da USDC, wanda ba shi da riba kuma a bayyane yake. Babu riba ko gharar. Idan an biya kafin lokaci, ana mayar da rarar kuɗi. Akwai lokacin jinkiri na kwanaki 3. Kwangilar Qist tana buɗe kuma an duba ta akan BaseScan, tare da kuɗin 2% a kowace ma'amala.
Gano Qist: qist.info
Wannan abun ciki ne na ilimi kawai kuma ba shawara ce ta kuɗi ba.