weUK‡qb: cwiwPwZ I kiC ch©v‡jvPbv

gydwZ Avãyjøvn gvmyg

cÖwZôvZv cwiPvjK, AvB Gd GKv‡Wwg GÛ Kbmvj‡UwÝ
mnKvix gydwZ, d‡Zvqv wefvM, Rvwgqv kviBq¨vn gvwjevM, XvKv

1
 wemwgjøvwni ivngvwbi ivnxg

ïiæ K_v,
Bmjvg Ggb GK Øxb hv me©Kv‡j I me©hy‡M PjbmB I Avgj‡hvM¨| cÖwZ hy‡Mi cwiewZ©Z Ae¯’v m¤ú‡K© ¯úó
weavb w`‡Z mÿg| †Kvb Kv‡jB Zv cwiZ¨³ bq|
eZ©gvb mgq‡K Ávb-weÁv‡bi DbœZ hyM ejv nq| wbZ¨-bZzb wewfbœ wKQz Avwe®‥vi n‡”Q| KziAvb I mybœvni
Av‡jv‡K hy‡Mi weÁ dKxnMY Gme Awfbe wel‡qi kiC weavb e‡j hv‡”Qb| cÖwZwU wel‡q Bmjv‡gi
KvjRqx Ggb wKQz bxwZgvjv i‡q‡Q, hÏiæb evwn¨K iƒc hZB cwieZ©b †nvK, g~j welq AÿzYœ _vKvq c~‡e©i
gZB Bmjvg ¯úó weavb e¨³ Ki‡Z mÿg| GgbwUK g~j welqwUI bZzb n‡j Gi mgvavbI w`‡Z mÿg|
‡mme Awfbe wel‡qi GKwU nj, eZ©gvb weUK‡qb| AwZ mv¤úªwZK mg‡q Kv¸‡R gy`ªvi ¯’vb `Lj Ki‡Z
†Póvq Av‡Q Av‡jvwPZ wµ‡ÞvKv‡iwÝ weUK‡qb| hy‡Mi dKxnMY AZ¨vaywbK wµ‡ÞvKv‡iwÝ wb‡qI fvev ïiæ
K‡i‡Qb| ‡KD †KD kiC weavbI ej‡Qb|
Avgv‡`i mgv‡R weUK‡qb GLbI GZUv e¨vcKZv jvf K‡iwb| Z‡e A`~i fwel¨‡Z Gi e¨enviI Kv¸‡R
gy`ªvi gZ n‡q hvIqvi AvksKv Kiv n‡”Q| Ab¨vb¨ eû iv‡óªi b¨vq evsjv‡`‡kI weUK‡qb wbwl×| GiciI
A‡b‡K Gi mv‡_ Rwo‡q co‡Qb| G‡nb gyn~‡Z© weUK‡qb e¨env‡ii kiC wb‡`©kbv †R‡b †bqv Riæix| GQvov
ivóª G‡K Aby‡gv`b Ki‡jI Gi kiC weavb Kxiƒc n‡e †mUvI Rvbv `iKvi| G j‡ÿ¨B eÿgvY iPbv †ck
Kiv n‡q‡Q| Avgiv g‡b Kwi, GKRb m‡PZb gymwj‡gi Rb¨ G welqK kiC Ávb _vKv Riæix|
Avjnvg`ywjjøvn, Avjøvni A‡kl dhj I Ki‡g evsjv‡`‡k me© cÖ_g AvB Gd GKv‡Wgx GÛ Kbmvj‡UwÝ
(BdvK) weUK‡qb wel‡q kiC ch©v‡jvPbv †ck K‡i‡Q| kiC ch©v‡jvPbvwU •Zwi K‡i‡Qb GKv‡Wgxi
cÖwZôvZv cwiPvjK gydwZ Avãyjøvn gvmyg nvwdhvûjøvn| mnKvix gydZx, Rvwgqv kviBq¨vn gvwjevM, XvKv|

D³ kiC ch©v‡jvPbvq weUK‡qb wel‡q †nvqvUmA¨vc wfwËK AvšÍR©vwZK Bmjvgx A_©bxwZ †dvivg KZ…©K m`¨ 1

cÖKvwkZ kiC ch©v‡jvPbvi mvgvwiI hy³ n‡q‡Q|

eÿ¨gvY kiC ch©v‡jvPbvwUi wi-wfD K‡i‡Qb GKv‡Wgxi mn-cÖwZôvZv gydwZ BDmyd myjZvb nvwdhvûjøvn
(kvwiqvn-‡UK KÝv‡ë›U, Bw_m †fÂvim, gvj‡qwkqv)|

1
‡dvivgwU MZ 11/1/2018Bs m‡b weUK‡qb wel‡q Zuv‡`i †h․_ kiC ch©v‡jvPbvwU Aviex‡Z cÖKvk K‡i‡Q| GwU cÖKvk n‡q‡Q Ab
jvB‡b ÔB›Uvib¨vkbvj kixqvn& wimvP© GKv‡Wgx di BmjvwgK wdb¨vÝ (ISRA)Õ gvj‡qwkqvi Awdwmqvj I‡qfmvB‡U
(https://www.isra.my/) I Ab jvBb wfwËK ÔBmjvwgK BK‡bvwgKm GÛ wdb¨vÝ wcwWqvÕ-Gi I‡qf mvB‡U|
(http://iefpedia.com/arab/?p=40129) D³ M‡elYvwU B‡Zvg‡a¨ wewfbœ fvlvq Abyev‡`i KvR Pj‡Q| Avjnvg`ywjjøvn, AvB
Gd GKv‡Wgx GÛ Kbmvj‡UwÝi cÿ †_‡K Aviex †_‡K Gi evsjv Abyev‡`i Lmov m¤úbœ n‡q‡Q| Abyev`wU K‡i‡Qb D³ eÿ¨gvY
ch©v‡jvPbvi †jLK, gydwZ Avãyjøvn gvmyg nvwdhvûjøvn| wZwb D³ †dviv‡gi Abyev` wefv‡MI i‡q‡Qb| GKB mv‡_ GKv‡Wgxi mn-
cÖwZôvZv I mn-cwiPvjK gydwZ BDmyd myjZvb nvwdhvûjøvnI Gi Abyev` wefv‡M hy³| BbkvAvjøvn AwP‡iB †dvivg †_‡K Abyev`wU
Awdwmqvjfv‡e cÖKvwkZ n‡e|

2
evsjv‡`‡k GwUB G wel‡q cÖ_g mswÿß kiC we‡kølY, hv wjwLZ AvKv‡i GKv‡Wgxi D‡`¨v‡M Av‡qvwRZ
ÔBmjvwgK wdb‡UK Kbdv‡i‡ÝÕ cÖKvwkZ nj| Avjøvn myenvbvû G‡K Keyj Kiæb| Gi mv‡_ hviv RwoZ
2

Av‡Qb, kÖg w`‡q‡Qb mKj‡K AvšÍwiK ïKwiqv|

wb‡e`K
AvB Gd GKv‡Wgx GÛ Kbmvj‡UwÝ, XvKv|
Zvs28-1-2048Bs

2
Kbdv‡iÝwU MZ 28/1/2018Bs Zvwi‡L wek^ mvwnZ¨ †K›`ª, XvKv-Gi AwW‡Uvwiqv‡g AbywôZ n‡q‡Q| †`Lyb XvKv UvBgm-Gi wi‡cvU©-
A_ev AvB Gd GKv‡Wgxi †dmeyK †cBR- https://www.facebook.com/IFACBD/
https://goo.gl/KRiXoR

3
 wemwgjøvwni ivngvwbi ivnxg

weUK‡qb:

ÔweUK‡qbÕ eZ©gv‡b Av‡jvwPZ GKwU wµ‡ÞvKv‡iwÝ (Cryptocurrency)| Ôwµ‡ÞvÕ gv‡b A`„k¨, †Mvcb,
wm‡µU| Kv‡iwÝ gv‡b gy`ªv| mn‡R ej‡j Ggb GKwU gy`ªv, hv A`„k¨, ms‡KZ ev bv¤^v‡ii gva¨‡g cÖKvk
cvq, Gi bv Av‡Q wbR¯^ e¯‘MZ ‡Kvb AvKvi, bv Zv ¯úk©‡hvM¨| †Zgwbfv‡e Gi bv Av‡Q wbR¯^ †Kvb g~j¨gvb
ev dvq`v (Intrinsic Value)|

Avi ÔweUK‡qbÕ-G bit k‡ãi A‡bK A_©| ‡hgb, UzK‡iv, †QvU Ask, Aí, wKQzÿY| Gi Av‡iK A_©,
Kw¤úDUv‡i e¨eüZ mswÿßZg Z_¨| GLv‡b †k‡lv³ A_©B D‡Ïk¨| ‡h‡nZz GwU Kw¤úDUv‡ii ÿz`ª Z_¨‡K
e¨envi K‡i •Zwi nq, ZvB G‡K ÔweUK‡qbÕ ejv nq|

B›Uvi‡b‡U wµ‡ÞvKv‡iwÝ A‡bK Av‡Q| †hgb, Ripple, Ethereum BZ¨vw`| Gm‡ei g‡a¨ eZ©gv‡b
ÔweUK‡qbÕ me©cÖ_g I me‡P‡q Av‡jvwPZ wµ‡ÞvKv‡iwÝ| Gme wµ‡ÞvKv‡iwÝi wKQz Kgb •ewkó¨ i‡q‡Q,
Ges wKQz wbR¯^ •ewkó¨ i‡q‡Q hv Kv‡iwÝi cÖ¯‘ZKvixMY wbY©q K‡i _v‡Kb| Avgv‡`i eÿ¨gvY Av‡jvPbv
†Kej weUK‡qb wb‡q, hvi mv‡_ Ab¨¸‡jvi wKQz cv_©K¨ Av‡Q, Ges hv kiC we‡køl‡Yi †ÿ‡Î jÿ¨ ivLv
Riæix|

we‡klÁ‡`i g‡Z, weUK‡qb g~jZ GKwU wµ‡ÞvKv‡iwÝ, hv fvP©zqvj gy`ªv| Gi kvixwiK(Physical) •ewkó¨
†bB| ¯úk©‡hvM¨ bq| wbR¯^ †Kvb g~j¨I (Intrinsic Value) †bB| GwU we‡kl nvW©Iq¨vi Øviv wbw`©ó
cÖwµqvq ms‡KZ AvKv‡i •Zwi nq| Ab¨ K_vq, GwU GKwU fvP©zqvj †Uv‡Kb, hv‡K Gi cÖ¯‘ZKvixMY
wewbg‡qi gva¨g ev gy`ªv wn‡m‡e e¨env‡ii D‡Ï‡k¨ •Zwi K‡i‡Qb| Ab¨ †h †Kv‡bv c‡b¨i b¨vq weUK‡q‡biI
Pvwn`v I †hvMv‡bi wfwˇZ Ab¨vb¨ ‡dB_ (Faite) gy`ªvi mv‡_ Gi g~j¨gvb Kg-‡ewk n‡q _v‡K|
2008Bs m‡bi b‡f¤^‡i GK AÁvZ ms¯’v ev e¨w³ KZ©…K GKwU AvwU©‡Kj cÖKvwkZ nq| hvi QÙ bvg
Ômv‡Zvkx bvKv‡gv‡Zv (Satoshi Nakamoto)Õ| GB AvwU©‡K‡ji wfwˇZ 2009Bs m‡bi Rvbyqvix‡Z
cÖ_g weUK‡q‡bi †NvlYv †`qv nq| aviYv Kiv nq GB QÙbvg wewkó e¨w³ m‡e©v”P 21 wgwjqb weUK‡q‡bi
g‡a¨ gvÎ 5% Drcbœ K‡i‡Q| GwU Kiv n‡q‡Q gvBwbs c×wZ e¨envi K‡i|
‡hfv‡e Zv •Zwi nq:
Kv¸‡R gy`ªv •Zwi nq UvKv Qvcv‡bvi †gwk‡b| miKvi G‡K Aby‡gv`b K‡i| wbqš¿b K‡i| Gfv‡e G‡Z m„wó
nq µq-ÿgZv (Purchasing power)| wKš‘ weUK‡qb •Zwi nq m¤ú~Y© wfbœfv‡e| GwU •Zwii cÖavb
Drm-ÔeøK †PBb (Block chain) bvgK GK DbœZ cÖhyw³| cÖhyw³wU Avwe®‥vi n‡q‡Q 1991Bs m‡b|

eøK‡PBb (Block chain) GKwU cÖhyw³MZ †d«gIqvK©, hvi Ici weUK‡qb •Zwi Kiv n‡q‡Q| eøK †PBb
GKwU PgrKvi cÖhyw³| ms‡ÿ‡c Zvi weeiY †`qv nj|

4
eøK †PBb cÖhyw³:
mvaviYZ Avgiv Av‡iK R‡bi Kv‡Q UvKv cvVvB Z…Zxq †Kvb gva¨‡g| †hgb, e¨vsK, †cv÷ Awdm BZ¨vw`|
Z`ªƒc Rwgi gvwjKvbv n¯ÍvšÍi Kwi f~wg Awa`߇ii ga¨¯’Zvq| Gme Z…Zxq cÿ †jb‡`‡b ga¨¯’Zv Kivi
cvkvcvwk A_©-m¤ú‡`i wbivcËvI cÖ`vb K‡i| Avgv‡`i †jb‡`‡bi hveZxq Z_¨ Zv‡`i wbKU msiwÿZ
_v‡K| GB gva¨g¸‡jv e¨env‡ii A‡bK myweavi gv‡S wZbwU AmyweavI Av‡Q| h_v-GK. AwZwi³ wd w`‡Z
nq| `yB. †jb‡`b m¤úbœ n‡Z AwZwi³ mgq †ÿcY nq| wZb.Z…Zxq c‡ÿi wbKU mKj WvUv P‡j hvq| g~jZ
GB Amyweav¸‡jv `~i Ki‡Z Avwe¯‥…Z n‡q‡Q B›Uvi‡bU wfwËK GK we‡kl eøK †PBb cÖhyw³| Gi `ywU Ask|
h_v-

K.Open Ledger ev Db¥y³ LvZv| B›Uvi‡b‡U eøK †PBb cÖhyw&³ e¨envi K‡i hLb †KD Kv‡iv wbKU A_© ev
Ab¨ †Kvb Z_¨ cvVvq, ZLb eøK †PBb †bUIqv‡K© hviv †jRvi †gB‡›UBb K‡i Zv‡`i ‡jRv‡i †mB WvUv¸‡jv
eøK n‡q hy³ nq| †hgb-A-b-C-d-e-F| aiv hvK A 100 UvKv cvwV‡q‡Q b Gi wbKU| Z`ªƒc b wKQy
cvwV‡q‡Q C Gi wbKU| Gfv‡e cÖ‡Z¨‡K Zvi c‡ii R‡bi wbKU wKQz A_© cvwV‡q‡Q| GB cvVv‡bv Z_¨¸‡jv
Rgv n‡e Zv‡`i wbKU hviv †jRvi †gB‡›UBb K‡i| GLv‡b eo nv‡Zi Bs‡iRx Aÿi nj †mB †jRvi
†gB‡›UBbKvix| cwifvlvq Zv‡`i‡K MinersI ejv nq| g‡b ivL‡Z n‡e, GLv‡b †h †jb‡`b¸‡jv nj,
G¸‡jv Kivi mv‡_ mv‡_ c~Y©Zvq †c․u‡Q bv| Z_v mv‡_ mv‡_ ev¯Í‡eB A_© ¯’vbvšÍi nq bv| eis †jb‡`bwU Kiv
gvÎB GKwU eøK •Zwi nq| D³ eø‡K cÖwZ `k wgwb‡Ui g‡a¨ †hme UªvÄvKkb nq, Zv †iKW© n‡q hvq|

L. Distributed Ledger| D³ eøK •Zwi nIqvi ci †mUv eøK †PBb ‡bUIqv‡K© Qwo‡q hvq, Ges
c„w_exRy‡o nvRv‡iv Kwc •Zwi nq| ZLb †mUv Dc‡iv³ cÖ‡Z¨K gvBbv‡ii †jRv‡i eøK wn‡m‡e G‡m hvq|
wKš‘ G‡ZB D³ UªvÄvKkb Validate nqwb| A_©vr ev¯Í‡eB A_© ¯’vbvšÍi nqwb| GLb Zv‡K Validate
Kivi Rb¨ mKj gvBbvi GK†hv‡M H eøK wb‡q KvR ïiæ K‡i| Zv‡K mj&f Ki‡Z †Póv K‡i| Zv‡`i †KD
hLb †mUv mj&f K‡i †d‡j ZLb UªvÄvKkbwU Validatenq| A_©vr ZLb ev¯Í‡eB hvi Kv‡Q UvKv cvVv‡bv
nj †m †mUv †c‡q hvq| GB mgvwaZ eøKwU GKwU dvBbvj eøK|
Gevi GB eøKwU cÖ‡Z¨‡K gvBbv‡ii wbKU ‡iKW©K…Z c~‡e©i mgvwaZ eø‡Ki mv‡_ Ry‡o hvq| A‡bKUv †PB‡bi
gZ| GKwUi †cQ‡b Av‡iKwU Ry‡o| GRb¨ G‡K eøK †PBb ejv nq|
D‡jøL¨, cÖwZwU mgvwaZ eø‡K wZbwU welq _v‡K| h_v-WvUv, n¨vk I c~‡e©i eø‡Ki n¨vk| n¨vk nj, we‡kl
A¨vjMwi`g ev we‡kl g¨v_ RvZxq welq| †mB g¨v_ mj~kb Kiv n‡j Zv‡K n¨vk e‡j| GB n¨vkUv c~‡e©i
mgvwaZ eø‡Ki mv‡_ wgj‡Z n‡e| Z‡eB dvBbvjwj eøKwU mgvwaZ n‡e| me©cÖ_g †h gvBbi mgvavb Ki‡Z
cvi‡e †m weUK‡qb jvf Ki‡e| Gme Kv‡Ri ga¨ w`‡qB Zvi Rb¨ A‡Uv weUK‡qb wµ‡qU n‡q hv‡e|
eZ©gv‡b cÖvq cÖwZ `k wgwb‡U GKwU eøK mj&f n‡q hvq| Gme gvBwbs-Gi Rb¨ †ek cvIqvidzj Kw¤úDUvi I
we‡kl †gwk‡bi cÖ‡qvRb nq| A‡bK we`y¨r LiP nq| †gvUv As‡Ki UvKv Gme Lv‡Z Bb‡fó Ki‡Z nq|
(See Video: https://www.youtube.com/watch?v=kzWRBrCQE6w&t=130s)

5
weUK‡qb I GKwU D`vniY
Avgv‡`i †`‡k wewfbœ kwcs g‡j Giƒc cÖPjb Av‡Q †h, †Kvb cY¨ µq Kiv n‡j GKwU c‡q›U †`qv nq| GwU
GKwU msL¨v| fvP©yqvj ‡Uv‡Kb| GB c‡q›U hLb GKwU wba©vwiZ cwigv‡Y †c․u‡Q, ZLb Zv w`‡q H ‡`vKvb
†_‡K †Kvb wKQz µq Kiv hvq| Gi A_© GB fvP©yqvj c‡q›U‡K GKwU wewbg‡qi gva¨‡gi gh©v`v †`qv n‡q‡Q|
weUK‡qb Kb‡mÞ A‡bKUvB Giƒc| GKwU msL¨v| hv gvBwbs Kivi ci gvBbi †c‡q _v‡K| gvBwbs-G
DØy× Kivi Rb¨ GB fvPz©qvj †Uv‡Kb‡K wewbg‡qi gva¨g wn‡m‡e GKwU we‡kl gh©v`v †`qv n‡q‡Q| hvi g~j¨
wWgvÛ Abyhvqx ev‡o-K‡g|
eøK †PB‡bi we¯Í…wZ
eøK †PBU cÖhyw³ g~jZ m‡e©v”P wbivcËv wbwðZ Kivi Rb¨ •Zwi n‡q‡Q| †hgbwU Avgiv c~‡e© D‡jøL K‡iwQ|
ZvB G cÖhyw³ ïay weUK‡qb Drc‡bœ e¨eüZ n‡”Q welqUv Ggb bq| Rwgi `wjj msiÿ‡Yi Rb¨I Gi
e¨envi wPšÍv Kiv n‡”Q| GgbwUK Gi gva¨‡g hvKvZ msMÖn I Av`v‡qi wPšÍvI Pjgvb|
wbivcËv:
D³ cÖhyw³‡Z mKj WvUv AMwYZ gvBwbsKvix‡`i †jRv‡i msiwÿZ _v‡K| d‡j †mUv n¨vK Ki‡Z n‡j GKB
mgq AMwYZ Kw¤úDUvi n¨vK Ki‡Z n‡e, hv cÖvq Am¤¢e| GRb¨ ejv nq, GwU †m›UªvjvBRW gva¨g †_‡KI
wbivc`|
Z‡e n¨vK nIqvUv Aev¯Íe bq| B‡Zvg‡a¨ K‡qKevi wewfbœ weUK‡qb G·‡PÄ ev Iqv‡jU n¨vK n‡q‡Q, d‡j
nvRv‡iv weUK‡qb gRy`Kvix ¶wZi m¤§yLxb n‡q‡Qb| Aciw`‡K cy‡iv c„w_exi gvBbvi‡`i wbqš¿Y Ki‡Q
K‡qKwU eo gvBwbs cÖwZôvb, hviv 50% Gi †ewk gvBwbs K‡i _v‡K| A‡b‡K Zv‡`i‡K weUK‡q‡bi †m›Uªvj
e¨vsK e‡j AwfwnZ K‡i _v‡K| we‡klÁ‡`i g‡Z, Zviv GKwÎZ n‡q †Kv‡bv wm×všÍ wb‡Z PvB‡j Zv Am¤¢e
bq| ejvevûj¨, weUK‡qb GKwU fvP©zqvj gy`ªv, hv msiw¶Z _v‡K fvP©zqvj Iqv‡j‡U| Kv‡RB Iqv‡j‡Ui
wbivcËv msi¶‡Yi DciI e¨w³i msM„nxZ weUK‡q‡bi wbivcËv wbf©i K‡i|
weUK‡qb gvBwbs:

Mining k‡ãi g~j A_©: gvwU Lyu‡o g~j¨evb m¤ú` †ei Kiv ev Avwe®‥vi Kiv| GLv‡b we‡kl G¨jMwi`g
mj&f Kivi gva¨‡g g~j¨evb weUK‡qb jvf nq| ZvB G‡K gvwU Lyu‡o g~j¨evb m¤ú` †ei Kivi mv‡_ Zyjbv
K‡i ÔgvBwbsÕ ejv n‡q‡Q| hviv GB KvRwU K‡ib, Zv‡`i‡K ejv nq-ÔgvBbiÕ(Miner)|

weUK‡qb gvBwbs Gi cÖavb D‡Ïk¨ nj, `yÕRb †jb‡`bKvixi gvwjKvbv h_vh_fv‡e UªvÝdvi Kiv‡K wbwðZ
Kiv| GB wbwðZKiYUv c~‡e©v³ cš’vq †h Av‡M Ki‡Z cvi‡e †mB wKQz weUK‡qb jvf Ki‡e|

Gfv‡e 21 wgwjqb weUK‡qb GKK •Zwi Kiv hv‡e| Gfv‡eB D³ cÖhyw³i †cÖvMÖvg ‡mU Kiv Av‡Q| Gici
Avi bZzb K‡i weUK‡q‡bi †Kvb GKK •Zwi Kiv m¤¢e n‡e bv| (A_©vr ZLb AvÿwiK A‡_©B gvBwbs eÜ
n‡q hv‡e)| Z‡e D³ cÖhyw³ e¨envi K‡i A_© †jb‡`‡bi mZ¨vq‡bi KvR gvBwbsKvixiv K‡i hv‡e Av‡Mi
gZB| ZLb weUK‡q‡bi eû ÿz`ª GKK‡K Kv‡R jvMv‡bv n‡e| we‡klÁiv ZvB ej‡Qb|

6
weUK‡qb msMÖn:

weUK‡qb g~jZ `ywU cš’vq msMÖn Kiv nq| h_v-GK. gvBwbs K‡i| Gi weeiY c~‡e© †`qv n‡q‡Q| `yB.µq
K‡i| hvi Kv‡Q weUK‡qb Av‡Q †mUv Kv¸‡R gy`ªvq µq Kiv| weUK‡qb msMÖ‡ni Rb¨ wØZxqwUB GLb ch©šÍ
eûj e¨eüZ gva¨g| G‡KB ejv nq ÔweUK‡qb Bb‡fóÕ| ejv evûj¨, weUK‡qb msMÖ‡ni `ywU gva¨gB †ek
cÖZviYvc~Y©| eû gvby‡li UvKv †Lvqv †M‡Q|

weUK‡qb msiÿY:

B‡j·UªwbK we‡kl cš’v Z_v E-Wallet Gi gva¨‡g weUK‡qb msiÿY Kiv nq| Gi gva¨‡g weUK‡qb ‡ePv-
‡KbvI Kiv nq| K‡qKwU cÖwm× B-Iqv‡jU nj-Computer Wallets: Gi gva¨‡g weUK‡qb ‡cÖiY
Kiv, MÖnY Kiv meB m¤¢e| Phone Wallets : GwU A‡bKvs‡kB cÖ_gwUi gZ| Gi gva¨‡g NFC (Near
field communication) ‡UK‡bvjwR e¨envi K‡i µqK…Z wewfbœ c‡Y¨i `vgI †kva Kiv hvq| Web
wallets: weUK‡qb e¨enviKvix Gi gva¨‡g wba©vwiZ mvB‡U cÖ_‡g †iwR‡óªkb Ki‡Z nq|
GwU A‡bKUv B-‡gBj ‡Lvjvi gZ| Gici wba©vwiZ GKvDÈ †Lv‡j Zv‡Z weUK‡qb msiÿY Kiv nq|
Hardware wallets: GwU †QvU GKwU †gwkb RvZxq| hvi KvRB nj weUK‡qb msiÿY Kiv| Ab¨ †Kvb
KvR bq| G‡Z Ab¨ †KvbI ‡cÖvMÖvg Avc‡jvW Kiv hvq bv| B‡j±ªwbK Pzwii ‡ÿ‡Î GwU c~‡e©i mKj cš’vi
†P‡q A‡bK †ewk wbivcËv `vb K‡i|

weUK‡qb I A‣ea Kvh©Kjvc:

weUK‡qb †m›UªvjvBRW bv nIqvq Gi gva¨‡g ivóªwe‡ivax Kvh©Kjvc A‡bK mnR| eøK‡PBb cÖhyw³wU cÖwZwU
Z_¨ AÁvZbv‡g msi¶Y K‡i, d‡j weUK‡q†bi †cÖiK I cÖvcK †K Zv wbw`©ó Kiv hvq bv|
myZivs A_©cvPvi, (Money laundering), †U·/Ki duvwK †`qv, dUKvevRx (Speculations), ïé
duvwK w`‡q Avg`vwb-ißvwb (Smuggling), A‡¯¿i e¨emv BZ¨vw` hveZxq ivóªxq AvBb ewnf~©Z I kixqvn&
cwicš’x Kvh©Kjvc Abv‡q‡mB Kiv hvq|

BmjvwgK BK‡bvwgK †dvivg Zv‡`i weUK‡qb welqK M‡elYvq wj‡L‡Q-A‡÷ªwjqvi R‣bK M‡elK Zvi
M‡elYvq †`wL‡q‡Qb †h, Gi gva¨‡g ivóªxq AvBb ewnf~©Z Kvh©Kjvc (A‡¯¿i e¨emv BZ¨vw`) Gi nvi 50%|

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 kiC ch©v‡jvPbv
B‡Zvg‡a¨ AvšÍR©vwZK gv‡bi K‡qKwU BmjvwgK cÖwZôvb †_‡K weUK‡qb wel‡q kiC ch©v‡jvPbv †ck Kiv
n‡q‡Q| Zb¥‡a¨ Ab¨Zg nj, Zzi‡¯‥i ag© welqK gš¿bvjq, wgk‡ii ‡K›`ªxq d‡Zvqv wefvM, wdwjw¯Í‡bi
†K›`ªxq d‡Zvqv wefvM, AvšÍR©vwZK Bmjvgx we`¨vwcV `viæj Dj~g †`Ie‡›`i d‡Zvqv wefvM I BmjvwgK
BK‡bvwgK ‡dvivg bvgK kvwiqvn ¯‥jvi‡`i GKwU AbjvBb MÖæc|

†k‡lv³ †dvivg G wel‡q dKxn‡`i wb‡q gZwewbgq gRwjm AbywôZ K‡i‡Q| Gici ‡dviv‡gi cÿ †_‡K
weUK‡qb wel‡q †h․_ kiC ch©v‡jvPbv †ck Kiv n‡q‡Q| 31 c„. e¨vcx Zvu‡`i M‡elYvg~jK †h․_ kiC
ch©v‡jvPbvwU Aviex fvlvq MZ 11/1/2018Bs Zvwi‡L ÔB›Uvib¨vkbvj kixqvn& wimvP© GKv‡Wgx di BmjvwgK
wdb¨vÝ (ISRA)Õ gvj‡qwkqv -Gi Awdwmqvj I‡qemvB‡U I AbjvBb wfwËK ÔBmjvwgK BK‡bvwgKm GÛ
3

wdb¨vÝ wcwWqvÕ-Gi I‡qe mvB‡U cÖKvk n‡q‡Q|

4

D³ M‡elYvwU Bmjvgx A_©bxwZ RM‡Z G wel‡q wek` cÖ_g mw¤§wjZ kiC Av‡jvPbv | eÿ¨gvY †jLvi GKwU
cÖavb Drm D³ M‡elYv|

D‡jøL¨, B‡Zvg‡a¨ wewfbœ fvlvq M‡elYvwUi Abyev‡`i KvR Pj‡Q| Avgv‡`i Rvbvg‡Z Gi g~j Aviexi Dci
wbf©i K‡i cÖ_g Abyev`wU m¤úbœ n‡q‡Q evsjv fvlvq | Abyev`wU K‡i‡Q evsjv‡`‡ki BmjvwgK dvBb¨vÝ
GKv‡Wwg GÛ Kbmvj‡UwÝ (AvB. Gd. G. wm.)|

eZ©gvb ch©šÍ weUK‡qb wel‡q kiC †h gZvgZ¸‡jv cÖKvwkZ n‡q‡Q, G¸‡jv †gvU wZb ai‡bi| h_v-

K. weUK‡q‡bi e¨envi •ea bq, wVK bq| (h_vµ‡g wgk‡ii †K›`ªxq d‡Zvqv wefvM, †`Ie‡›`i d‡Zvqv I
Zzi‡¯‥i ag© gš¿bvjq) †KD nvivgI e‡j‡Qb (wdwjw¯Í‡bi †K›`ªxq d‡Zvqv wefvM)
L. weUK‡q‡bi e¨envi kZ©mv‡c‡ÿ †g․wjKfv‡e •ea| (BmjvwgK BK‡bvwgK †dviv‡gi c~‡e©v³ M‡elYvq
AÁvZfv‡e bvg Qvov G gZvgZ D‡jøL Kiv n‡q‡Q)
M. Gi †_‡K †eu‡P _vKvB mZK©Zv| (GwU gv‡jKx gvhnv‡ei AvšÍR©vwZK Kbdv‡i‡Ýi KZ‡Ki gZ)

Dc‡iv³ kiC ch©v‡jvPbvq weUK‡q‡bi †h cÖm½¸‡jv ¸iæ‡Z¡i mv‡_ Av‡jvPbvq G‡m‡Q, ms‡ÿ‡c Zv nj-
1.weUK‡qb cÖKvk‡Ki AÁZv|
2.Gi fwel¨Z wel‡q AÁZv|
3.Gi cÖvwZôvwbK †Kvb cÖKvkK †bB| wh¤§v`viI †bB|
4.iv‡óªi cÿ †_‡K ZË¡veavb I ch©‡eÿY †bB|
5.G‡Z e¨vcKfv‡e ¯ú¨vKz‡jkb nq| Gi g~j¨ ¯’xi _v‡K bv|
6.AvBb ewnf~©Z Kv‡R AwaK e¨envi nIqv|
7.Dc‡iv³ •ewk‡ó¨i Kvi‡Y GwU kixq‡Zi `„wó‡Z g~j¨gvb wewkó (gv‡j gyZvKvIwq¨g) n‡e wK bv|

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I‡qe wjsK: https://www.isra.my/
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I‡qe wjsK: http://www.iefpedia.com/english/

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hviv G‡K bvRv‡qh e‡jb, Zv‡`i g‡Z weUK‡q‡b Dc‡iv³ 1-6wU •ewkó¨ _vKvq †mwU kixq‡Zi `„wó‡Z
g~j¨gvb wewkó (gv‡j gyZvKvIwq¨g) wKQz bq| ZvB GwU Rv‡qh bq| eZ©gvb ch©šÍ G g‡Zi cÖe³vi msL¨vB
AwaK|

Av‡iv ms‡ÿ‡c ej‡j, Zvu‡`i Av‡jvPbvq weUK‡qb kiCfv‡e wbwl× nIqvi †g․wjK KviY wZbwU| h_v-
1.Mvivi (Uncertainty ), Rvnvjvn (AÁZv) I M¨vgweøs| g~jZ weUK‡q‡bi cÖKvk‡Ki AÁZv, Gi
fwel¨Z wel‡q AÁZv, GwU †m›UªvjvBRW bv nIqv, ZË¡veavb I ch©‡eÿY bv nIqv †_‡KB Gme Mvivi I
Rvnvjvn-Gi m„wó|
2. wbwl× Kv‡Ri gva¨g nIqv|
3.Dc‡iv³ •ewkó¨mg~‡ni Kvi‡Y kixq‡Zi `„wó‡Z GwU g~j¨gvb wewkó m¤ú` bv nIqv|

Aciw`‡K hviv weUK‡qb‡K •ea ej‡Z Pvb, Zuv‡`i g~j hyw³ nj-

1.cÖ‡Z¨K wRwb‡li g~j nj gyevn nIqv|

2.weUK‡q‡bi gva¨‡g †Kbv-‡ePv nq| Gi gva¨‡g Ab¨vb¨ c‡Y¨i gvwjKvbv AR©b nq| myZivs GwU kixq‡Zi
`„wó‡Z g~j¨gvb wewkó (gv‡j gyZvKvIwq¨g) n‡e|
3.Gi g‡a¨ mvaviY Kv‡iwÝ nIqvi †h ¸Y _vKv `iKvi Zv Av‡Q| hw`I Zv miKv‡ii cÿ †_‡K cÖKvwkZ
bq|

cÖ_‡gv³ e³‡e¨i Rev‡e Zviv e‡jb, Gme †g․wjK mgm¨v bq| wbwl× KvR Ab¨vb¨ Kv‡iwÝi gva¨‡gI n‡Z
cv‡i| Avi miKv‡ii ZË¡veavb I †m›UªvjvBRW-Gi g~j jÿ¨ nj, wbivcËv `vb| eøK †PBb cÖhyw³ Gÿ‡Î
†mB wbivcËv wbwðZ K‡i|

Avgv‡`i `„wó‡Z GLv‡b †h welqwU ¸iæZ¡c~Y©, Zv nj, weUK‡qb kiC `„wó‡Z Kv‡iwÝ wK bv| A_©bxwZwe` I
dKxn‡`i `„wó‡Z gy`ªvi PviwU •ewkó¨ I A_©‣bwZK KvR (Economic Activities) i‡q‡Q| h_v-
1| Medium of Exchange: Gi mviK_v nj, ‡h wRbmwU gy`ªv n‡e Zvi cÖavb •ewkó¨ n‡e-‡h‡Kvb wKQz
µq-weµ‡q wewbg‡qi gva¨g wn‡m‡e Zv KvR Ki‡e|
2| Widely Acceptable: Gi mviK_v nj, †h wRwblwU gy`ªv n‡e †mUvi Rb¨ Riæix nj-Zv e¨vcKfv‡e
†KvbI cÖKvi `jxj-cÖgvY Qvov MÖnY‡hvM¨ nIqv| Gi wecix‡Z KvswLZ e¯‘ w`‡Z cÖ¯‘Z nIqv| Gi Rb¨
GKwU Ab¨Zg kZ© nj, †`kxq AvB‡b Zv A¯^xKvi bv Kiv|
3| Standard of Value/Measure of Value: Gi mviK_v nj, Kvc‡o `xN©Zv wgUvi ev M‡R gvcv
nq| PvDj-M‡gi cwigvY Ih‡bi gva¨‡g Rvbv hvq| †Zgwb Gme e¯‘i †fjy¨ cwigvc Kivi gva¨g nj gy`ªv|
A_©vr †h wRwblwU gy`ªv n‡e Zvi g‡a¨ GB ¸Y _vK‡Z n‡e †h, Gi gva¨‡g e¯‘mg~‡ni f¨jy¨ mn‡RB wbY©q
Kiv m¤¢e n‡e| †hgb, ejv nq NwowUi g~j¨ `yBkZ UvKv| eBwUi g~j¨ wZbkZ UvKv|
4| Store of Value: Gi mviK_v nj, gvbyl m¤ú` mÂq K‡i| fwel¨‡Z Zv Kv‡R Av‡m| m¤ú` m‡qi
Rb¨ Ggb wKQz `iKvi, hvi g~j¨gvb mvaviYZ n«vm n‡e bv| bó n‡e bv| Gi Øviv wbR m¤ú‡`i f¨vjy¨
msiÿY Kiv hv‡e| GwU Kivi gva¨g nj-gy`ªv| GK jÿ UvKv Avcbvi Kv‡Q _vKvi A_©B nj, G cwigvY
m¤ú‡`i f¨vjy¨ Avcbvi Kv‡Q Av‡Q| A_©vr †h wRwblwU gy`ªv n‡e Zvi g‡a¨ GB ¸Y _vK‡Z n‡e †h, Gi
gva¨‡g e¯‘mg~‡ni f¨vjy¨ mn‡RB msiÿY Kiv hvq|

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mviK_v, G Av‡jvPbv †_‡K ¯úó †h, ‡Kvb wKQz‡K gy`ªv ej‡Z n‡j Av‡M †`L‡Z n‡e Zvi g‡a¨ Dc‡iv³
•ewk󨸇jv Av‡Q wK bv| ‡Kvb GKUv •ewkó¨ bv _vK‡j †mUv gy`ªv n‡e bv|
Av‡jvwPZ weUK‡q‡b-AšÍZ Avgv‡`i †`‡k-wØZxq ¸YwU †bB| KviY GwU e¨vcKfv‡e M„wnZ bq|
miKvixfv‡eI Aby‡gvw`Z bq| myZivs G‡K Avgv‡`i †`‡k kiC I A_©bxwZ †Kvb `„wó‡KvY †_‡KB Kv‡iwÝ
ev gy`ªv ejv hvq bv|

we‡klZ miKvixfv‡e Gi †jb‡`b Avgv‡`i †`‡k wbwl×| kixq‡Zi gvmqvjv nj, •ea wel‡q iv‡óªi AvbyMZ¨
Kiv IqvwRe| Gi Rb¨ ivóª Bmjvgx nIqv Riæix bq| GQvov †`‡ki cÖwZwU bvMwiKB e³e¨ ev K‡g© GK_vi
¯^xKv‡ivw³ w`‡q‡Q †h, †m •ea wel‡q miKv‡ii AvBb gvb‡e|

AZGe Dc‡iv³ `yB Kvi‡Y, hZÿY A‣ea Kv‡R eva¨ bv Kiv n‡e ZZÿY miKvix AvBb gvbv Riæix|
(‡`Lyb, eyûm,1:163/168,kiû wmqvwij Kvexi, 1/168;ZvKwgjvZz dvZwnj gyjwng 3/323)

myZivs weUK‡q‡bi †jb‡`b †_‡K weiZ _vKv DwPZ| hw` KL‡bv Zv‡Z c~‡e©v³ wØZxq ¸YwU cvIqv hvq,
Z‡e ZLb †mUv Kv‡iwÝi gh©v`v cv‡e| Wjvi I UvKvi gZ GwUI ¯^Zš¿ GKwU gy`ªv wn‡m‡e we‡ewPZ n‡e| Gi
mv‡_ Wjvi/UvKvi Kg‡ewk †jb‡`b •ea n‡e| †hgb, UvKvi mv‡_ Wjv‡ii †jb‡`b Kg‡ewk‡Z •ea|

GQvov †h KvR¸‡jv weUK‡q‡b memgqB wbwl× I bvRv‡qh, Zv nj-d‡i‡·i gZ wdDmvi ev diIqvW© †mj
G‡Z Kiv hv‡e bv| weUK‡qb n¨vwKs Kiv Rv‡qh bq| GwU Pzwii bvgvšÍi| evwK‡Z weUK‡qb µq Kiv n‡j,
Av`v‡qi w`b †h g~j¨ n‡e †mUv cwi‡kva Ki‡e| 5

mgvß

5
‡jLK: dvDÛvi wW‡i±i: AvB Gd GKv‡Wgx GÛ Kbmvj‡UwÝ| mnKvix gydwZ, Rvwgqv kviBq¨vn gvwjevM, XvKv| B-‡gBj:
masum.jsmalibag@gmail.com | †dvb: 01724096140 (gvMwi‡ei ci-Bkvvi mvjvZ ch©šÍ)

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