Iri tegeko ryemejwe kuri uyu wa 5 Gicurasi 2025, riteganya ko umuntu ku giti cye uzafatwa akora ubucuruzi bw’umutungo koranabuhanga nta ruhushya ahanishwa amande ari hagati ya miliyoni 30 na miliyoni 50 z’amafaranga y’u Rwanda. Ku bigo, amande ashobora kugera hagati ya miliyoni 50 na miliyoni 100.

Ingingo ya 29 y’iri tegeko igena ko Ikigo cy’Isoko ry’Imari n’Imigabane (CMA) ari cyo gifite ububasha bwo kugenzura no gufatira ibihano abarenze kuri aya mabwiriza.

Umutungo koranabuhanga usobanurwa muri iri tegeko ugizwe n’ibice bitatu by’ingenzi: ifaranga koranabuhanga ridahindagurika (stablecoin), umutungo ufatika uhagarariwe na token (tokenized assets), ndetse n’umutungo koranabuhanga utishingiwe n’undi mutungo, aho agaciro kawo gashingira ku isoko.

Uretse ibihano by’amafaranga, CMA ishobora no gufata ibindi byemezo birimo kwihanangiriza mu nyandiko, gutegeka gukosora amakosa mu gihe cyagenwe, guhagarika by’agateganyo cyangwa burundu uruhushya, ndetse no guhagarika ibikorwa bimwe cyangwa byose by’ikigo.

Itegeko rinateganya ko igenzura rishobora gukorwa igihe icyo ari cyo cyose, hashingiwe ku byo uru rwego rubona ko bikenewe mu kurinda isoko.

Mu gufata ibihano, hazajya harebwa uburemere bw’ikosa, ingaruka zaryo, imyitwarire y’uwarikosheje mbere na nyuma y’ikorwa ry’icyaha, ndetse n’amateka ye mu kubahiriza amategeko.

Byongeye kandi, abakora ubu bucuruzi bazajya basabwa gutanga raporo z’imikorere yabo buri mezi atatu, hagamijwe kongera umucyo no gukurikiranwa hafi.

Ingingo ya 28 igaragaza ko kutubahiriza iri tegeko cyangwa amabwiriza arishyira mu bikorwa bifatwa nk’amakosa yo mu rwego rw’ubutegetsi, bigahanirwa mu buryo bw’ubuyobozi aho kuba ibyaha byo mu rwego rw’inshinjabyaha.

Ni mu gihe ingingo ya 30 ibuza kwamamaza cyangwa gushishikariza abantu kwinjira muri ubu bucuruzi nta ruhushya, mu rwego rwo gukumira uburiganya bukorwa hifashishijwe amatangazo ayobya.

Komisiyo y’Abadepite ishinzwe ubukungu n’ubucuruzi yagaragaje ko uru rwego rukorerwamo cyane ku masoko arenga 900 ku isi, kandi ko hari imbuga nyinshi za murandasi zibamo uburiganya.

Perezida w’iyi komisiyo, Theogene Munyangeyo, yavuze ko hari abantu benshi bashukwa n’imbuga biyita iz’umwuga kandi zemewe, nyamara ari iza magendu.

Yagize ati “Biroroshye ko abagana izo mbuga bakorerwa uburiganya, bakeka ko ari ibikorwa byemewe kandi byizewe.”

Yongeyeho ko iri tegeko rije gukumira uburiganya n’ubwambuzi bukorwa hifashishijwe imbuga mpimbano zivuga ko zitanga amahirwe y’ishoramari.

Imibare igaragaza ko muri Afurika y’Iburasirazuba, Kenya ifite abarenga miliyoni enye bakora ubu bucuruzi, Uganda ifite abarenga miliyoni ebyiri, Tanzania ifite abarenga miliyoni imwe n’igice, mu gihe mu Rwanda habarurwa abarenga ibihumbi 350.

Ubwo uyu mushinga w’itegeko watangizwaga, Minisitiri w’Imari n’Igenamigambi, Yusuf Murangwa, yavuze ko ibihugu byinshi bishyiraho amategeko agenga umutungo koranabuhanga hagamijwe kurinda abawukoresha no gukumira ikoreshwa ryawo mu bikorwa binyuranyije n’amategeko.

Yagaragaje ko u Rwanda rufite intego yo kuba igicumbi cy’imari mu karere, rukaba rukeneye amategeko asobanutse ashobora gukurura abashoramari mpuzamahanga, nk’uko bikorwa mu bihugu nka Singapore, Dubai, Mauritius, Maroc, Afurika y’Epfo n’ahandi.

Raporo zagaragaje ko kuba nta tegeko ryihariye ryagengaga umutungo koranabuhanga byari byaratumye u Rwanda rudashyira mu bikorwa neza zimwe mu nama z’imiryango mpuzamahanga irwanya iyezandonke n’iterabwoba.

Mu gihe cyashize, Urwego rw’Igihugu rw’Ubugenzacyaha (RIB) rwakiriye ibirego 35 bifitanye isano n’uburiganya bwifashisha umutungo koranabuhanga, burimo ubwitwazo bwo gushora imari mu buryo bwa “pyramid scheme” n’ubundi buryo bwizeza inyungu z’ako kanya.

Ibi byateje igihombo gikomeye bamwe mu baturage, bishimangira akamaro ko gushyiraho amategeko arinda abaguzi, akazamura icyizere mu bucuruzi bw’imari ikoresha ikoranabuhanga.