Banki Nkuru y’u Rwanda (BNR) yatangaje ko yasoje igerageza rito rizwi nka “Proof of Concept (PoC)” ku mushinga w’Ifaranga-Koranabuhanga rya Banki Nkuru (CBDC), ryiswe e-Franc Rwandais (e-FRW). Iri gerageza rifatwa nk’intambwe ikomeye mu rugendo rwo kubaka urwego rw’imari rutajegajega, rudaheza kandi rukoresha ikoranabuhanga rigezweho.
Igerageza ryakorewe ku buryo e-FRW ishobora gukoreshwa mu kwishyurana hagati y’abantu ku giti cyabo, hagati y’abakiliya n’abacuruzi, ndetse no hagati y’abacuruzi barangurana. Hanarebwe niba iri faranga rishobora gukora no ku badafite internet, binyuze mu buryo bwa “dual offline mode”.
Byongeye kandi, ryanageragejwe hifashishijwe uburyo bwa USSD busanzwe bukoreshwa kuri telefoni zisanzwe, aho umuntu akanda akanyenyeri n’imibare itandukanye.
Umutekano w’iri faranga wongerewe imbaraga ku buryo bidashoboka kwishyura serivisi imwe inshuro ebyiri utabigambiriye. Hari kandi uburyo bugezweho bwo kubika ayo mafaranga kuri telefoni zigezweho cyangwa ku makarita y’ikoranabuhanga yabugenewe.
Iri gerageza ryakozwe ku bufatanye n’amabanki, atanga serivisi zo kwishyurana, ibigo by’ikoranabuhanga rigezweho mu rwego rw’imari (fintech) n’inzego za Leta zitandukanye.
BNR ivuga ko hari icyo ryunguye ku bijyanye n’ikoranabuhanga rikenewe, uko abakoresha ndetse bakabona serivisi, imicungire y’ibibazo bishobora kuvuka, ndetse n’ibyakwitabwaho mu mategeko n’amabwiriza agenga iri faranga.
Hashingiwe ku byavuyemo, hagiye gutangira irindi gerageza ryagutse rizamara amezi 12, rikazakorerwa ku matsinda atandukanye y’Abanyarwanda bo mu Mujyi wa Kigali, indi mijyi iwunganira ndetse n’uduce two mu cyaro twatoranyijwe.
CBDC ni ifaranga ry’ikoranabuhanga ritangwa na banki nkuru z’ibihugu, rigakora kimwe n’amafaranga asanzwe nk’inoti n’ibiceri, ariko rikagira umwihariko wo gukoresha ikoranabuhanga, harimo no gukora ahatari internet.
Guverineri wa BNR, Soraya Hakuziyaremye, ubwo yagezaga ku Nteko Ishinga Amategeko imitwe yombi raporo y’ibikorwa bya BNR by’umwaka wa 2024/25 ku wa 1 Ukuboza 2025, yavuze ko iri faranga rifite ubushobozi bwo kwihutisha kwishyurana no gukoresha ikoranabuhanga mu buryo buteza imbere ubukungu.
Yongeyeho ko hakiri kwigwa uko iri faranga ryakorana n’ibindi bihugu u Rwanda rusanzwe ruhahirana na byo, cyane cyane mu kugabanya igiciro cyo kohereza amafaranga mu buryo bwambukiranya imipaka.
Mu 2023 ni bwo BNR yatangiye inyigo ku ikoreshwa rya CBDC mu Rwanda, igamije kureba inyungu zaryo ku Banyarwanda n’uko ryahuzwa n’ubundi buryo busanzwe bwo kwishyurana nk’amabanki na Mobile Money.
Kugeza ubu, ibihugu birenga 130 ku Isi biri kwiga ku ikoreshwa rya CBDC, ndetse bimwe byatangiye kurishyira mu bikorwa, mu rwego rwo kuvugurura no guteza imbere urwego rw’imari rujyanye n’igihe.
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