DeFi ga Filipinos: Yadda OFW Remittances Suke Zama da Riba Mai Haɓaka

Philippines na ɗaya daga cikin manyan ƙasashen da ke da masu aiki a ƙasashen waje a duniya — kusan mutane miliyan 2.3 na Filipinos suna aiki a ƙasashen waje, suna aika gida kusan dala biliyan 40 a kowace shekara. Wannan kusan 10% ne na GDP na ƙasar, yana gudana daga Saudi Arabia, UAE, Hong Kong, Singapore, Amurka, Italiya, da sauran wurare da dama zuwa ga iyalai a Cebu, Davao, Manila, da jihohi.

Yawancin wannan kuɗin ana kashewa wajen rayuwa, kuɗin makaranta, kulawar lafiya, da gina gida. Haka ne — wannan ne ma'anar kuɗin. Amma da yawa daga cikin iyalan OFW suna ajiye wani kaso daga kowanne remittance, suna nufin gina wani abu mai ɗorewa: gida, kasuwanci, ko kuɗin ilimi. Wannan kaso ne ke sa lissafin ya zama mai ban sha'awa — kuma inda TurboLoop ya dace da yadda aka tsara musamman don ƙwarewar OFW.

Matsalar lissafin da mafi yawan iyalan OFW ke fuskanta

Iyali da ke karɓar ₱30,000 a wata a remittance, suna kashe ₱25,000 wajen rayuwa, sannan suna ajiye ₱5,000 suna da matsala. Wannan ₱5,000 yawanci yana shiga:

• Asusun ajiyar PHP a BDO/BPI/Metrobank/Landbank da ke samun riba 0.10-0.25% (eh, decimal — farashin riba akan asusun PHP kusan sifili ne)
• Ajiyar lokaci a banki da ke samun 2-4% riba (an haraji da 20% na ƙarshe, don haka net 1.6-3.2%)
• Asusun ajiyar Pag-IBIG MP2 da ke samun kusan 6-7% (an takaita a ₱500K, an kulle na shekaru 5)

Inflation na PHP yana gudana tsakanin 3-5%. Sakamakon ƙarshe: mafi yawan hanyoyin ajiyar kuɗi suna rasa ƙarfi na saya shekara bayan shekara. Tasirin haɗin shekaru 5 na ajiyar ₱5,000 a wata a 1% na gaskiya yana kusan ₱300K na babban jari — amma a gaskiya, kusan dai dai da abin da aka saka.

Wannan ba matsalar bankin Filipino ba ne. Yana nuna tsarin duniya na ajiyar kuɗi da ke cikin ƙasa da ƙasa da ke rasa ƙarfi na gaskiya idan inflation ya shigo. Philippines na fuskantar wannan fiye da yawanci saboda:

1. PHP na ƙara ƙasa da USD a hankali tsawon shekaru (₱40/$ a 2000, ₱56/$ a 2024)
2. Inflation na gida yana gudana fiye da rahotannin manyan kasuwanni na kayan da iyalan OFW ke saya (abinci, kuɗin makaranta, lafiya)
3. Farashin ajiyar banki na ƙasa yana ƙasa da yadda inflation ke tashi

Menene ya canza idan aka yi amfani da USDT don samun riba

Idan wannan iyali ta mayar da ₱5,000 a wata zuwa TurboLoop maimakon haka:

• Canza ₱5,000 (~$90 USD) zuwa USDT ta Coins.ph, GCash crypto, ko P2P
• Saka a TurboLoop
• Haɓaka kowane wata

A cikin shekaru 5, lissafin ya bambanta sosai. Daidai ₱5K/wata a TurboLoop da riba ta 10% kullum na kwanaki 10, da haɗa da kusan 2% na canjin PHP zuwa USD a kowace shekara:

• Ba tare da TurboLoop ba (asusun ajiyar PHP 1%): kusan ₱310K na suna, ₱260K na gaskiya bayan inflation
• Tare da TurboLoop USDT (10% kullum na riba + 2% na canjin PHP): kusan ₱430K na ƙimar USD, wanda bayan shekaru 5 na ƙasa da USD zai zama kusan ₱520K a cikin PHP

Wannan yana nuna kusan ₱260K na fa'ida akan babban jari na ₱300K. Fa'idan ba ta fito daga shekara guda ta samun riba mai yawa ba — tana daga bambancin tsarin samun kuɗi a cikin ƙima mai ƙarfi ko kuma a hankali rasa ƙarfi saboda inflation na PHP.

Hanyar shiga daga PHP ga iyalan OFW

Akwai hanyoyi guda uku, da aka tsara bisa sauƙi ga mai amfani na Filipino:

1. Coins.ph — Musayar crypto da aka tsara a Philippines. Yana karɓar PHP ta GCash, canjin banki, biyan kuɗin 7-Eleven, da ɗaukar remittance ta Cebuana Lhuillier. Sayi USDT, cire zuwa wallet na BSC, saka a TurboLoop. Wannan hanya ce mafi sauƙi ga masu karɓar OFW da ba su da ƙwarewa sosai.

2. GCash Crypto — GCash na da fasalin crypto da ke goyon bayan USDT. Yana da amfani idan kana amfani da GCash a kullum wajen biyan kuɗi. Ƙarin fa'ida fiye da Coins.ph amma ba sai ka yi amfani da wani app na biyu ba.

3. Turbo Buy (a cikin tsarin) — Hanyar TurboLoop ta cikin tsarin fiat inda PHP ke goyon baya. Yana cire buƙatar wani musayar waje.

Ga iyalan OFW da ke karɓar remittance a cikin USD ta Western Union / WorldRemit / Wise: hanya mafi tsafta ita ce canza kai tsaye zuwa USDT a ƙasar da aka tura kafin a aika, sannan a saka USDT zuwa USDT a TurboLoop. Wannan yana kauce wa dawowa da PHP da kuma cire matsalar FX guda ɗaya.

Mahangar musamman na OFW: ajiye a cikin kuɗin da ma’aikacin ke samu

Ɗaya daga cikin muhimman fahimtar da ke canza komai ga iyali na OFW: ajiye a cikin kuɗin da ma’aikacin ke samu, ba a cikin kuɗin da iyali ke kashewa ba.

Misali, ƙwararren jinya a Saudi Arabia da ke samun SAR ba lallai ne ya canza zuwa PHP, ya aika PHP, sannan iyali su ajiye a PHP ba. Hanya mafi sauƙi: ƙwararren jinya ya canza SAR zuwa USDT kai tsaye (P2P na Saudi a Binance ya girma sosai), ya aika USDT zuwa wallet na BSC na iyali, sannan iyali su saka a TurboLoop. PHP zai shiga hanzari ne kawai idan iyali na buƙatar kashewa.

Wannan tsarin yana rage yawan canjin FX da ake yi a kowanne dala. Kowanne canji na da kuɗin spread (yawanci 0.5-2%) kuma yana da haraji a wasu ƙasashe. Aika USDT ɗaya da canza zuwa PHP lokacin kashewa kawai yana ceton kuɗi na gaskiya a cikin shekaru.

Hanyar fita daga PHP idan an buƙata

Idan iyali na buƙatar kashewa a PHP (kuɗin makaranta, lafiya, kuɗin gida):

1. Cire USDT daga TurboLoop zuwa wallet na BSC
2. Sayarwa a Coins.ph ko GCash don PHP a farashin yanzu
3. PHP zai shiga cikin asusun banki ko wallet na GCash
4. Kashewa yadda aka saba

Matsalar ƙara ko ragewa a cikin tsarin ita ce mafi tsada. Ana rage wannan ta hanyar cirewa a manyan adadi, ba a kai a kai ba — misali, canza ₱30K sau ɗaya a kowane kwata maimakon ₱5K a kowane mako. Spread da kuɗin aiki suna ragewa da girman kuɗin.

Mahimman abubuwan da masu amfani na Filipino ke buƙatar sani

Abubuwa guda uku da ba a jaddada a cikin tallace-tallace sosai:

1. BIR (Bureau of Internal Revenue) na ƙara aiki sosai akan crypto. Ka yi la’akari da matsayin TurboLoop a matsayin kuɗin shiga da za a haraji. Ka riƙe takardu. Yawancin masu amfani da ƙasa ƙasa da ₱100K na ribar shekara suna ɓoye, amma tsarin na ƙara ƙarfi.

2. Coins.ph da GCash duka suna da iyakokin mu’amala. Iyakokin yau da kullum da na wata-wata na nufin dole ne a gina manyan matsayi a hankali, ba a cikin ɗaya ba.

3. Madadin Pag-IBIG MP2 na gaskiya yana da kyau ga wasu masu amfani. Yana biyan 6-7% tare da goyon bayan gwamnati da cire kuɗi ba tare da haraji ba bayan shekaru 5. Ga masu ajiya masu ƙoƙarin guje wa haɗari a cikin shekaru 50+, MP2 na iya zama zaɓi mafi kyau fiye da TurboLoop. Lissafin yana cikin wani matakin haɗari daban.

Ƙungiyar al’umma

Ƙungiyar TurboLoop ta Philippines ta kasance ɗaya daga cikin mafi ƙarfi a duniya. Muna da membobin OFW a Saudi Arabia, Dubai, Hong Kong, Singapore, Italiya, da Amurka, da kuma shugabannin Filipino a Manila/Cebu/Davao. Babu wani shirin gabatarwa na harshe Filipino tukuna (Tagalog/Cebuano/Ilocano suna da yare masu yawa, don haka Ingilishi ne harshen da ake amfani da shi a cikin al’umma), amma Shirin Gabatarwa na Yanki yana buɗe ga masu nema daga Philippines.

Muhimman abubuwan da za a tuna

• Philippines na karɓar kusan dala biliyan 40 a kowace shekara a remittance na OFW; mafi yawan ana kashewa, ƙasa da aka ajiye
• Asusun ajiyar PHP na samun 0.1-3% na suna; bayan inflation na 3-5%, ainihin riba kusan 0%
• Ribar TurboLoop USDT + ƙarar PHP na ƙara kusan 12-15% na ainihin riba ta PHP
• Misali na shekaru 5: kusan ₱260K na fa'ida fiye da ajiyar PHP akan babban jari na ₱300K
• Hanyar shiga: Coins.ph, GCash Crypto, Turbo Buy; don remittance kai tsaye na USDT