Kule minyaka eyishumi edlule, i-cryptocurrency iguquke ngokushesha futhi yathatha umhlaba ngesivunguvungu. Ngo-2013, bekukhona izinhlobo ezingama-66 ze-cryptocurrency emhlabeni jikelele. Kodwa-ke, ngoFebhuwari 2022, i-Statista yabika i-cryptocurrencies eyi-10,397 abantu abangatshala kuyo.
I-Cryptocurrency iwuhlobo lwemali yedijithali esebenzisa ubuchwepheshe be-blockchain ukuvikela ukuthengiselana. Nokho, zikhona I-Cryptocurrency Scams lokho kubeka inzuzo yabatshalizimali engcupheni.
Ngezansi, sizobheka ezinye zezingozi ze-cybersecurity ezihlobene nokutshala imali ku-cryptocurrency nokuthi ungaluvikela kanjani utshalomali lwakho.
Kuyini cryptocurrency?
I-Cryptocurrency iyimpahla yedijithali esebenzisa i-cryptography ukuvikela ukuthengiselana kwezezimali, ukuphatha ukudalwa kwamayunithi amasha, nokuqinisekisa ubunikazi. Ama-cryptocurrencies ahlukaniselwe amazwe futhi awekho ngaphansi kokulawulwa kukahulumeni noma kwesikhungo sezezimali. I-Bitcoin, i-cryptocurrency yokuqala neyaziwa kakhulu, yasungulwa ngo-2009. I-Cryptocurrencies ayisetshenziswa nje njengotshalomali kodwa ingaba usizo ekuthengeni izinto nezinye izinsiza zansuku zonke. Amanye amabhizinisi amancane nabathengisi be-inthanethi bamukela ama-cryptocurrencies njengenkokhelo, futhi ama-ATM amaningi emhlabeni wonke akhipha i-Bitcoin. Ungathenga futhi udayise ama-cryptocurrensets ekushintshanisweni noma ukubambe njengempahla yedijithali kuma-wallet. Ngenxa yokuthi uhulumeni noma izikhungo zezezimali azilawuli ama-cryptocurrencies, kunokukhathazeka okuthile mayelana nokuzinza nekhono lazo lokuvikela ekukhwabaniseni. Kodwa-ke, i-crypto-assets iye yanda kakhulu kule minyaka eyishumi edlule futhi ibonisa isithembiso njengohlelo olusha lokukhokha.
Izingozi ezinkulu ku-cryptocurrency
Njengoba ukuthandwa kwe-cryptocurrency kukhula, ingozi yokuhlaselwa kwe-cyber iyakhula. I-Cryptocurrency igcinwa kuma-wallet edijithali; uma lezi zikhwama zigqekeziwe, izimali zingantshontshwa. Ngaphezu kwalokho, ngenxa yokuthi ohulumeni noma izikhungo zezezimali azilawuli i-cryptocurrency, ayikho indlela yokubuyisela imali elahlekile. Ngenxa yalokho, izingozi ze-cybersecurity ziyanda njengoba abantu abaningi betshala imali ku-cryptocurrency.
Ukuhlaselwa kwe-Phishing
Ubugebengu bokweba imininingwane ebucayi kungenye yokuhlaselwa okuvame kakhulu kubatshalizimali be-cryptocurrency. Ukuhlaselwa kobugebengu bokweba imininingwane ebucayi ama-imeyili noma amawebhusayithi abonakala sengathi avela emthonjeni osemthethweni kodwa angamanga. Umgomo wokuhlasela kobugebengu bokweba imininingwane ebucayi uwukweba ulwazi lomuntu siqu, olufana namaphasiwedi nezinombolo zekhadi lesikweletu.
Abatshalizimali be-Cryptocurrency basengozini enkulu yokuhlaselwa kobugebengu bokweba imininingwane ebucayi ngoba ngokuvamile kufanele banikeze ulwazi lomuntu siqu ukuze bathenge futhi badayise ama-cryptocurrencies. Ngaphezu kwalokho, abatshalizimali abaningi be-cryptocurrency basebenzisa igama-mfihlo elifanayo kuma-akhawunti amaningi, okuwenza abe sengozini yokuhlaselwa.
Ungazivikela kanjani ekuhlaselweni kobugebengu bokweba imininingwane ebucayi? Okokuqala, qiniseka ukuthi awulokothi unikeze imininingwane yakho siqu ngaphandle uma uqiniseka ukuthi umthombo usemthethweni. Okwesibili, hlola njalo ikheli lewebhusayithi ngaphambi kokufaka noma yiluphi ulwazi. Okwesithathu, sebenzisa iphasiwedi eqinile ehlukile ku-akhawunti ngayinye. Okwesine, faka isofthiwe elwa nobugebengu bokweba imininingwane ebucayi kukhompuyutha yakho naku-smartphone.
Izinkundla zokuhweba mbumbulu
Omunye umkhonyovu ojwayelekile embonini ye-cryptocurrency izinkundla zokuhweba ezingamanga. Lawa mawebhusayithi athi ukuhwebelana okusemthethweni kodwa esikhundleni salokho antshontsha izimali kubatshalizimali. Izinkundla zokuhweba mbumbulu zivame ukuvela njengochwepheshe futhi zifake nobufakazi obuvela “kumakhasimende anelisekile.” Nokho, ngokuvamile abanalo ikheli lendawo noma inombolo yocingo.
Ukuze ugweme ukuba yisisulu senkundla yokuhweba mbumbulu, kufanele wenze ucwaningo lwakho ngaphambi kokusebenzisa noma yikuphi ukushintshanisa. Hlola ukubuyekezwa ku-inthanethi kanye nolwazi mayelana namalungu eqembu lenkampani nendawo yekomkhulu. Uma lungekho ulwazi olutholakalayo noma iwebhusayithi isolisa kakhulu, kungaba ngcono ukugwema ukubhekana nazo ngokuphelele.
Ungasebenzisa futhi isofthiwe emelene nobugebengu bokweba imininingwane ebucayi ukuze uzivikele ekuhlaselweni kobugebengu bokweba imininingwane ebucayi ezisekelweni zokuhweba nge-cryptocurrency.
Ukuhlaselwa kwe-Malware
Enye ingozi enkulu ekutshalweni kwe-cryptocurrency ukuhlaselwa kwe-malware. Uhlelo olungayilungele ikhompuyutha, noma isofthiwe eyingozi, yakhelwe ukuthola ukufinyelela kukhompyutha yakho futhi yebe izimali kuma-akhawunti akho. Ekuhlaselweni okujwayelekile kohlelo olungayilungele ikhompuyutha, isigebengu se-inthanethi sifaka i-spyware noma isofthiwe yokungena ukhiye erekhoda ulwazi lwe-akhawunti bese ilubuyisela kubo.
Ukuze uzivikele kulokhu kuhlaselwa, gcina isofthiwe yakho ye-antivirus isesikhathini samanje, sebenzisa amagama ayimfihlo aqinile kuwo wonke ama-akhawunti, futhi ugweme ukuchofoza izixhumanisi ezisolisayo noma ukuvula izinanyathiselwa emithonjeni engaziwa. Ungaphinda ulande isofthiwe elwa ne-malware, ezoskena ikhompuyutha yakho ngobungozi futhi ikuxwayise uma kukhona okutholiwe.
Ukuhlaselwa kokuhwebelana, izikhwama zemali ezingazodwana, noma amachibi ezimayini
Noma ubani otshale imali kuma-cryptocurrencies uzokwazi ukuthi ayimpahla yedijithali egcinwe ku-inthanethi kulokho okwaziwa ngokuthi isikhwama semali. Lezi zikhwama zingafinyelelwa ngokuhwebelana noma ngamawebhusayithi ngamanye. Izigebengu ze-inthanethi zihlala zifuna izindlela zokweba lezi zinhlobo zemali futhi zibe nempumelelo ethile eminyakeni yamuva. Enye indlela abenze ngayo lokhu iwukuhlasela ukuhwebelana, okungaholela ekulahlekelweni yimali yamakhasimende. Enye indlela iwukuhlasela iwallet ngayinye, okuvumela umgebenga ukuba afinyelele okhiye abayimfihlo abadingekayo ukuze kusetshenziswe imali. Okokugcina, abaduni bangakwazi ukukhomba amachibi okumbiwa, okuholela ekulahlekelweni kwemali engenayo kubasebenzisi be-pool. Nakuba ingekho indlela eqinisekile yokuvimbela lokhu kuhlasela, ezinye izinyathelo zingathathwa ukuze kuncishiswe ubungozi, njengokugcina izimali kumawalethi angaxhunyiwe ku-inthanethi nokusebenzisa ukushintshana okuningi.
Izinyathelo zokuvikela ukutshalwa kwezimali kwakho kwe-cryptocurrency
I-Cryptocurrency isiphenduke utshalomali oludumile eminyakeni yamuva nje njengoba abantu abaningi bebefuna ukwenza imali ngamakhono ezimali zedijithali. Kodwa-ke, i-cryptocurrency nayo iyimpahla eguquguqukayo kakhulu, futhi abatshalizimali bangalahlekelwa kakhulu uma bengathathi izinyathelo ezifanele zokuvikela utshalomali lwabo. Nawa amathiphu amane angakusiza ukuthi uvikele ukutshalwa kwezimali kwakho kwe-cryptocurrency:
- Ungawabeki wonke amaqanda akho kubhasikidi owodwa: Ukuhlukahluka kuyisihluthulelo uma kukhulunywa nge-cryptocurrency. Ungatshali yonke imali yakho kuhlobo lwemali olulodwa; esikhundleni salokho, usakaze utshalomali lwakho ezinhlotsheni ezahlukene zama-cryptocurrencies ukuze unciphise ubungozi.
- Sebenzisa isikhwama semali esithembekile: Izikhwama ze-Cryptocurrency zisetshenziselwa ukugcina nokuphatha ukubanjwa kwemali yedijithali. Lapho ukhetha isikhwama semali, qiniseka ukuthi ukhetha inketho ehloniphekile futhi evikelekile.
- Ucwaningo ngaphambi kokutshala imali: I-Cryptocurrency iyisigaba sempahla esiyinkimbinkimbi, futhi kubalulekile ukwenza umsebenzi wakho wesikole ngaphambi kokutshala noma iyiphi imali. Qonda ubungozi obukhona futhi uqiniseke ukuthi ukhululekile ngabo ngaphambi kokubeka noma iyiphi imali engcupheni.
- Iba nohlelo lokuphuma: Njenganoma yikuphi ukutshalwa kwezimali, kubalulekile ukuthi ube nesu lokuphuma le-cryptocurrency holds yakho. Nquma ukuthi uzokwenzani uma inani lezinhlamvu zemali zakho likhuphuka noma lehla kakhulu, futhi unamathele kulelo hlelo. Ngokulandela lawa macebiso, ungasiza ukuvikela ukutshalwa kwezimali kwakho kwe-cryptocurrency futhi wandise amathuba akho empumelelo.
Isiphetho
Njengoba imali ye-cryptocurrency ithandwa kakhulu, isiba inhloso ekhanga kakhulu kubaduni. Kunezindlela ezimbalwa izigebengu ezingantshontsha ngazo imali eyimfihlo, okuhlanganisa ukuhwebelana okuhlaselayo, izikhwama zemali ngazinye, namachibi okumba izimayini. I-Cryptocurrencies nayo isengcupheni yokuntshontshwa uhlelo olungayilungele ikhompuyutha olungase luthathe amadivaysi ezimayini zemali. Abasebenzisi kufanele bathathe izinyathelo zokuvikela ukutshalwa kwezimali kwabo kwe-cryptocurrency ngokusebenzisa amagama ayimfihlo aqinile, babhale ngekhodi amadivayisi abo, futhi benze ikhophi yasenqolobaneni yedatha yabo.
