Wise: Isuzuma – Amafaranga mu mafaranga y'ibihugu bitandukanye, nta mipaka

#Quasa #QUA #wise

Wise (yahoze yitwa TransferWise) ni porogaramu mpuzamahanga y'amafaranga: ohereza amafaranga mu bihugu 140+, ubike amafaranga y'ibihugu byinshi, ubone amakuru ya konti yo kwakiriraho amafaranga nk'aho uri muri icyo gihugu ku mafaranga akoreshwa cyane (USD, GBP, EUR, n'andi), kandi wishyure ukoresheje ikarita yo kubikuza ikoresha amafaranga y'ibihugu bitandukanye. Igaragaza igipimo mpuzandengo cy'ivunjisha ku isoko hamwe n'ikiguzi gisobanutse aho guhisha inyongera mu gipimo cy'ivunjisha. Amahitamo ya konti: Personal Account (nta kiguzi cya buri kwezi, hari ikiguzi cy'ikarita cyishyurwa rimwe niba uyishaka), Business Account (ikiguzi cyo gufungura konti cyishyurwa rimwe mu turere tumwe na tumwe). Amafaranga menshi yoherejwe agera ku bo yohererejwe mu masegonda cyangwa mu munsi umwe. Kubikuza kuri ATM ni ubuntu kugeza ku mubare ntarengwa w'amafaranga wa buri kwezi, nyuma hakishyurwa ijanisha. Mu turere tumwe na tumwe, ushobora kubona inyungu ku mafaranga amwe abitswe muri USD/GBP/EUR. Wise ni serivisi y'amafaranga igenzurwa n'inzego zibifitiye ububasha, si banki itanga serivisi zose ahantu hose — amafaranga abitswe ararindwa, ariko si ko buri gihe aba afite ubwishingizi bw'amafaranga abitswa nk'ubutangwa kuri konti isanzwe ikoreshwa mu kwishyura muri banki zisanzwe.

Ibyiza by'ingenzi:

• Igipimo nyakuri mpuzandengo cy'ivunjisha ku isoko, ikiguzi kikagaragazwa mbere yo kohereza
• Kubika amafaranga y'ibihugu bitandukanye no kubona amakuru yo kuyakira nk'aho uri muri ibyo bihugu
• Ikarita ibanza gukoresha amafaranga ari mu gikapu gihuje n'ifaranga wishyuramo
• Kohereza amafaranga vuba hagati y'ibihugu bikunze kohererezanya amafaranga
• Nta kiguzi cya buri kwezi kuri konti y'umuntu ku giti cye

Ibereye cyane: Ababa mu mahanga, abakorera kure, abikorera ku giti cyabo, n'umuntu wese wohereza amafaranga cyangwa wishyura mu mahanga akaba arambiwe inyongera banki zishyira ku gipimo cy'ivunjisha.

Iby'ingenzi:

• Ikiguzi cyerekanwa kiraboneye: igipimo cy'ivunjisha + ikiguzi cya serivisi, nta nyongera itunguranye mu mpera z'icyumweru
• Apple Pay / Google Pay ku ikarita
• Konti y'ubucuruzi yo gukoresha inyemezabuguzi n'amakarita y'abagize itsinda
• Kugabanyirizwa ibiguzi iyo wohereza amafaranga menshi
• Porogaramu iroroshye kuyikoresha ugereranyije no kohereza amafaranga binyuze muri banki isanzwe

Ibyo ushobora gukenera kwitondera:

• Si banki itanga serivisi zose: serivisi zo kurenza amafaranga ari kuri konti, kubitsa amafaranga mu ntoki no gufashwa ku mashami zirab огранич
• Ibiguzi byo kubikuza kuri ATM no kwakira amafaranga kuri SWIFT biracyishyurwa iyo urengeje imipaka ya serivisi z'ubuntu
• Guhabwa ikarita n'amakuru amwe yo kwakiriraho amafaranga bishobora kugira ikiguzi cy'inyongera
• Kuboneka kwa serivisi n'amabwiriza agenga inyungu biratandukana bitewe n'igihugu
• Kurinda amafaranga ≠ ubwishingizi bumeze nk'ubwa FDIC/FSCS kuri buri cyiciro cya serivisi

Umwanzuro rusange: Inyenyeri 4.6/5 Wise iracyari bumwe mu buryo bworoshye kandi buboneye kurusha ubundi bwo kohereza amafaranga no kwishyura hakurya y'imipaka. Yikoreshe mu kuvunja amafaranga no kwishyura mu ngendo; ugumane konti muri banki yo mu gihugu urimo ku bibazo byihariye bijyanye no guhembwa no gukoresha amafaranga mu ntoki. Buri gihe banza urebe ikiguzi kiriho cyo kohereza amafaranga hagati y'ibihugu birebwa mbere yo gukanda ngo wohereze.

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