Wise: Isuzuma – Amahera mu mafaranga y'ibihugu bitandukanye ata mipaka

#Quasa #QUA #wise

Wise (yahoze yitwa TransferWise) ni app y'amahera mpuzamakungu: rungika amahera mu bihugu 140+, ugumize kuri konti amahera y'ibihugu mirongo, uronke amakuru ya konti yo mu gihugu akomokamwo ku mafaranga akoreshwa cane (USD, GBP, EUR, n'ayandi), kandi wishure ukoresheje ikarata yo kubikuza ishobora gukoresha amahera y'ibihugu bitandukanye. Yerekana igipimo co kuvunjisha co hagati ku isoko hamwe n'amahera ya serivisi atomoye aho guhisha inyongera mu gipimo co kuvunjisha. Uburyo bwo kuyikoresha: Personal Account (nta mahera yishurwa buri kwezi, hashobora kwishurwa rimwe amahera y'ikarata iyo uyishatse), Business Account (amahera yo kwugurura konti yishurwa rimwe mu turere tumwetumwe). Amahera menshi arungikwa ashika mu masegonda canke mu musi umwe. Kubikuza kuri ATM ni ku buntu gushika ku rugero ntarengwa rwa buri kwezi, hanyuma hagatozwa igice c'amahera abikujwe giharurwa kw'ijana. Mu turere tumwetumwe, haratangwa inyungu ku mahera amwamwe ya USD/GBP/EUR ari kuri konti. Wise ni serivisi y'amahera igengwa n'amategeko, si ibanki itanga serivisi zose ahantu hose — amahera ari kuri konti arakingirwa, ariko si ko yama afise ubwishingizi bw'amahera abikijwe nk'ubwo konti isanzwe yo mu banki isanzwe ifise.

Ivyiza nyamukuru:

• Igipimo nyaco co kuvunjisha co hagati ku isoko, amahera ya serivisi akerekanwa imbere y'uko urungika
• Kugumiza kuri konti amahera y'ibihugu bitandukanye n'amakuru ya konti yo kwakirirako amahera mu gihugu akomokamwo
• Ikarata ibanza gukoresha amahera ari mu gakapu k'amahera ahuye n'ayo uriko urishura
• Kurungika amahera ningoga ku nzira nyamukuru zikoreshwa hagati y'ibihugu
• Nta mahera yishurwa buri kwezi kuri konti y'umuntu ku giti ciwe

Ibereye cane: Ababa mu mahanga, abakorera kure, abakozi bigenga, n'umuntu wese arungika canke akoresha amahera mu mahanga akaba arambiwe inyongera amabanki ashira ku bipimo vya FX.

Ibintu nyamukuru:

• Amahera uzotanga yerekanwa mu kuri: igipimo + amahera ya serivisi, ata nyongera igutungura mu mpera z'indwi
• Apple Pay / Google Pay kuri iyo karata
• Konti y'urudandaza yo gukoresha ku mafagitire no ku makarata y'abagize umugwi
• Kugabanyirizwa amahera ya serivisi iyo urungitse amahera menshi
• App iroroshe gukoresha ugereranije no kurungika amahera biciye mu buryo busanzwe bwa banki

Ivyo wokwitondera:

• Si ibanki itanga serivisi zose: ubushobozi bwo kubikuza ayarenga ayo ufise kuri konti, kubitsa amahera y'amaboko, no kuronka imfashanyo ku mashami burafise aho bugarukira
• Amahera yo kubikuza kuri ATM no kwakira amahera biciye kuri SWIFT aracabandanya gutozwa umaze kurenza ingero ntarengwa z'ubuntu
• Guhabwa ikarata n'amakuru amwamwe ya konti yo kwakirirako amahera bishobora gusaba ayandi mahera
• Aho serivisi ziboneka n'amategeko agenga inyungu biratandukana bivanye n'igihugu
• Gukingira amahera ≠ ubwishingizi bwo mu bwoko bwa FDIC/FSCS kuri buri mugwi wa serivisi

Urubanza rwa nyuma: Inyenyeri 4.6/5 Wise iracari bumwe mu buryo butomoye kuruta ubundi bwo kurungika no gukoresha amahera hagati y'ibihugu. Yikoreshe kuri FX no ku mahera ukoresha mu ngendo; ugumane konti mu banki yo mu gihugu ubamwo ku bijanye n'ibisabwa bidasanzwe mu kwishura imishahara no ku mahera y'amaboko. Wame uraba amahera ya serivisi arihoko ku nzira ukoresha mu kurungika amahera imbere yo gufyonda aho urungikira.

Tangura: https://quasa.io/projects/wise