Me ya sa turawarka ta ɗauki kwana huɗu: labarin laifi na gaske

26 Sat, 2026 minti 5 na karatu

Biyan kuɗi na ratsawa ta jerin dillalai a hanyarsa daga jakar kuɗi ɗaya zuwa wata.

Ka aika $200 ranar Juma'a. Ya iso ranar Laraba, kuma $171 kawai ya bayyana. Babu wanda ya sace shi. Kowa kawai ya ɗauki kaɗan. Bari mu bi wurin aukuwar.


Juma'a, ƙarfe 4:12 na yamma: an aika turawar

Bankinka ya karɓi biyan kuɗin sannan nan take bai yi komai ba, domin lokacin yankewa ya wuce. Lokacin yankewa shi ne lokacin rana da bayansa kuɗi ya daina kasancewa har gobe. Babu wanda ya yarda kan wane lokaci ne.


Litinin: ya shiga hanyar sadarwar SWIFT

SWIFT ba tsarin biyan kuɗi ba ne. Tsarin saƙo ne, kamar tattaunawar ƙungiya mai tsada sosai tsakanin bankuna. Bankinka yana aika saƙo zuwa banki na gaba, wanda yake aikawa zuwa na gaba, kowanne yana duba biyan kuɗin yana kuma karɓar kuɗin hidima don aikin. Wannan jerin na iya ƙunsar bankuna uku zuwa biyar. Ba ka taɓa jin labarin yawancinsu ba.


Talata: canjin kuɗi yana faruwa a wani wuri

Ɗaya daga cikin bankunan tsakiya yana canza dalolinka. A wane farashi? Duk abin da suka ga dama. Bambanci tsakanin farashin gaske da nasu shi ne mafi girman kuɗin hidima a dukkan tafiyar, kuma ba ya taɓa bayyana a matsayin layi. Ƙarin bayani a jagora 06.


Laraba: ya sauka, ƙasa da $29

Bankin mai karɓa yana karɓar kuɗin hidimar shigowa. Domin me zai hana. Kowa ya koma gida da farin ciki sai kai da wanda ka aika masa.


Wata hanyar: tsallake jerin

An kwatanta turawa biyu: ɗaya tana tsalle tsakanin bankuna a jeri kafin ta kai jakar kuɗi, ɗayan kuma tana tafiya kai tsaye a layi ɗaya.

Turawar stablecoin tana maye gurbin dukkan jerin da mataki ɗaya. Canza zuwa dalolin dijital, aika zuwa alamar suna, an gama cikin mintuna, kan sent kaɗan. Idan mai karɓa yana son kuɗin gida, yana canzawa a ƙarshe a farashin da yake iya gani. Babu bankunan tsakiya, babu lokacin yankewa, babu kuɗaɗen hidima na asiri, babu Laraba.

Kuma yana aiki ta hanyoyi biyu. Karɓar kuɗi daga ƙasashen waje, karatu a ƙasashen waje, zuwa hutu da asusun da har yanzu yake aiki: hanya ɗaya, akasin shugabanci.

Tsoffin hanyoyiHanyoyin stablecoin
LokaciKwanakin aiki 1–5Mintuna
Ƙarshen makoA rufeA buɗe
Jimillar farashi na yau da kullum3–7% (galibi a ɓoye)Sent kaɗan + canji ɗaya bayyananne
Ina kuɗina yake?Babu wanda ya saniAna gani a littafin ajiya

A TAƘAICE Kuɗinka bai ɓace ba. Bankuna biyar ne suka wuce da shi hannu-hannu kuma kowanne ya ɗauki ɗan rabo. Dalolin dijital suna tsallake wannan liyafar.

Asusu ɗaya. Hanyoyi da yawa na tura kuɗi.

Fara da Kairo.