Jagorar Harajin TurboLoop: Yadda Ake Magance Riba na Stablecoin a Kasashe 14

Kafin mu fara: wannan labarin ba shi ne shawarar haraji ba. Muna taƙaita matsayin dokokin gwamnati da yadda ake gudanar da su a fili. Dokar haraji na canzawa akai-akai, tana bambanta da yanayi na mutum, kuma masu aiwatarwa ba sa kula da kyakkyawan niyya. Yi amfani da wannan labarin don fahimtar tambayoyin da ya kamata ka yi, sannan ka kai waɗannan tambayoyin ga ƙwararren mai ba da shawara kan haraji a yankinka.

Da wannan, ga yadda hukumomin haraji 14 daban-daban suka bayyana ra'ayinsu game da riba na stablecoin, a cikin tsarin haruffa.

Tambayoyin biyu da kowace hukumar haraji ke yi

A cikin kowace ƙasa, tambayoyi biyu ne ke tantance yadda ake harajin ribar TurboLoop:

1. Menene riba ake kiranta? Yawanci: kuɗin shiga na yau da kullum, ribar jarin, kuɗin shiga daban-daban, ko (rarraba) babu haraji.
2. Yaushe ake haraji a kai? Ko a lokacin karɓa (lokacin da aka ƙara ribar a cikin walat ɗinka) ko a lokacin da aka fitar da ita (lokacin da ka janye zuwa kuɗin fiat).

Hadin gwiwar waɗannan tambayoyi biyu yana ba ka ƙungiyoyin haraji guda hudu, kowace ƙasa na zaɓar ɗaya (wasu lokuta cikin rashin tabbas).

Kasar-kasar da ke bayanin kansu

1. Amurka

Rarrabuwa: Kuɗin shiga na yau da kullum.
Yaushe ake haraji: A lokacin karɓa — IRS Rev. Rul. 2019-24 na ɗaukar crypto da aka karɓa a matsayin lada a matsayin kuɗin shiga mai haraji a ƙimar kasuwa lokacin da aka karɓa.
Halin fitarwa: Lokacin da ka musanya ko sayarwa, harajin ribar jarin na aiki akan bambanci tsakanin ƙimar karɓa da ƙimar sayarwa.
Tasirin aiki: Kana biyan harajin kuɗin shiga akan ribar da ta samo asali, a cikin dala a wannan lokaci, ko da ba ka taɓa janye ba. Ka lura da kowace rana ta ribar don sanin asalin kuɗin.

2. United Kingdom

Rarrabuwa: HMRC na ɗaukar ribar DeFi ko dai a matsayin kuɗin shiga na kasuwanci ko kuɗin shiga daban-daban, dangane da matakin aiki (guidance ɗinsu ba ta bayyana sosai game da saka hannun jari na TurboLoop na zaman lafiya).
Yaushe ake haraji: A lokacin karɓa don "kuɗin shiga"; a lokacin fitarwa don "jarin".
Tasirin aiki: Ga yawancin masu amfani da TurboLoop da ke da matsayi guda ɗaya na zaman lafiya, rukunin "kuɗin shiga daban-daban" na HMRC shine mafi yawan yiwuwa. Ana buƙatar yin ƙididdiga na kai.

3. Jamus

Rarrabuwa: §22 EStG — "kuɗin shiga na daban" (sonstige Einkünfte).
Yaushe ake haraji: A lokacin karɓa.
Muhimmiyar ƙari: Jamus na da dokar lokacin riƙe na shekara guda — idan ka riƙe crypto fiye da shekara guda, ƙarshe na sayarwa ba zai yi wa haraji ba. Ribar da aka samu + riƙe na fiye da shekara guda na iya cancanta, amma amfani da wannan ƙa'ida game da staking/riba yana cikin muhawara a cikin shari'a.
Tasirin aiki: Jamus na ɗaya daga cikin ƙasashe masu kyau game da crypto idan aka riƙe na dogon lokaci. Tuntuɓi ƙwararren Steuerberater.

4. Faransa

Rarrabuwa: Haɗaɗɗen — ya danganta ko aikin na lokaci-lokaci ne ko na yau da kullum.

• Lokaci-lokaci: harajin flat na 30% (PFU) akan ribar jarin lokacin da aka sayar.
• Na yau da kullum (a matsayin ƙwararren): Harajin kuɗin shiga har zuwa 45% + kuɗaɗen zamantakewa.
  Yaushe ake haraji: A lokacin fitarwa (lokacin da aka musanya zuwa fiat) ga masu kasuwanci na lokaci-lokaci.
  Tasirin aiki: Muhimmancin kasancewa "lokaci-lokaci" a Faransa. Kasuwanci mai yawan maimaitawa + ƙungiyoyin yawa na iya sanya ka cikin rukunin "na yau da kullum".

5. Indiya

Rarrabuwa: Harajin flat na 30% akan duk ribar crypto (Section 115BBH, da aka ƙaddamar a Afrilu 2022). Babu rage asara. 1% TDS akan mu'amaloli sama da ₹50,000.
Yaushe ake haraji: A lokacin sayarwa.
Tasirin aiki: Tsarin Indiya na daga cikin mafi tsauri a duniya. 1% TDS yana shafar yawancin mu'amalolin crypto. Ka lura da kowace mu'amala.

6. Indonesia

Rarrabuwa: Harajin kuɗin shiga na 0.1% akan ribar jarin + VAT na 0.11% akan mu'amaloli, tun daga Mayu 2022.
Yaushe ake haraji: A kowace mu'amala (raba kuɗi daga asalin ta ta hanyar musayar da aka yi rajista).
Tasirin aiki: Indonesia na ɗaukar crypto a matsayin kayan kasuwanci don haraji — mafi sauƙi fiye da yawancin ƙasashe. Kasuwancin crypto zuwa crypto na da haraji.

7. Singapore

Rarrabuwa: Gabaɗaya babu haraji ga mutane — Singapore ba ta harajin ribar jarin ga mutane.
Ƙari: Idan kasuwanci ya yi yawa sosai da ya zama "kasuwanci ko sana'a," to za a haraji shi a matsayin kuɗin shiga na kasuwanci.
Tasirin aiki: Singapore na ɗaya daga cikin ƙananan manyan ƙasashe masu kuɗi inda ribar stablecoin na zaman lafiya ke da fa'ida ta haraji sosai ga mazauna.

8. United Arab Emirates

Rarrabuwa: Babu harajin kuɗin shiga na mutum ga mazauna kan yawancin kuɗaɗi, ciki har da ribar crypto.
Ƙari: Kamfanonin crypto (ba mutane ba) na fuskantar harajin kamfani na 9% akan ribar da ta fi AED 375,000.
Tasirin aiki: UAE na ɗaya daga cikin ƙasashe mafi kyau wajen haraji ga masu crypto. Manyan shugabannin al'ummar TurboLoop sun koma nan saboda wannan.

9. Najeriya

Rarrabuwa: Harajin jarin 10% akan sayar da crypto (a cewar dokar kuɗi ta 2023, an yi amfani da shi kai tsaye ga crypto).
Yaushe ake haraji: A lokacin sayarwa.
Tasirin aiki: Tsarin Najeriya na ci gaba da canzawa — hukumar kula da kasuwanci (SEC) ta fitar da sabbin ƙarin bayani a 2024 da 2025. Ka lura da jagoranci da tuntuɓi ƙwararren mai ba da shawara na gida.

10. Brazil

Rarrabuwa: Harajin jarin 15% zuwa 22.5% dangane da girman riba (matsayi mai sauyawa).
Gargadi: Kasuwancin wata-wata ƙasa da R$35,000 ba su da haraji.
Yaushe ake haraji: Rahoton wata-wata a lokacin sayarwa.
Tasirin aiki: Ƙarfin R$35K na wata-wata yana da muhimmanci — masu ƙaramin hannu da yawa na iya guje wa harajin Brazil gaba ɗaya idan sun kasance ƙasa da wannan ƙima.

11. Afirka ta Kudu

Rarrabuwa: Ya danganta da niyya — ko ribar jarin (har zuwa 18% ga mutane) ko kuɗin shiga (har zuwa 45% na iyaka).
Tasirin aiki: SARS na duba riƙe crypto yanzu. Rubuta niyyarka (riƙe na dogon lokaci = jarin, sayarwa na ɗan lokaci = kuɗin shiga) kuma ka kasance mai daidaito.

12. Philippines

Rarrabuwa: Ana ɗauka a matsayin kuɗin shiga mai haraji, kodayake ƙungiyar ƙayyadadden game da crypto na ci gaba da haɓaka.
Tasirin aiki: Hukumar Internal Revenue tana ƙara aiki. Ka riƙe takardu.

13. Australia

Rarrabuwa: Crypto na matsayin kayan kasuwanci don haraji. Riba a lokacin karɓa na kuɗin shiga na yau da kullum; sayarwa na zama CGT.
Rage lokacin riƙe: 50% na CGT idan an riƙe fiye da watanni 12.
Tasirin aiki: Rage CGT na watanni 12 yana da mahimmanci — masu riƙe na dogon lokaci suna biyan kusan rabin kuɗin haraji na masu samun kuɗi masu yawa.

14. Kanada

Rarrabuwa: 50% na riba na jarin; cikakken haɗin kuɗin shiga na kasuwanci.
Jagora na musamman game da crypto: CRA ta fitar da ƙayyadadden jagora da ke ɗaukar crypto-to-crypto a matsayin mu'amala mai haraji.
Tasirin aiki: Ka lura da kowace ribar TurboLoop da ka karɓa da kowace haɗin kai (a fashewar da ke ƙunshe da mu'amala + sake saye bisa fahimtar CRA).

Menene wannan ke nufi a aikace

Akwai tsarin guda uku da ke bayyana a cikin ƙasashe:

1. Karɓa na kai tsaye vs fitarwa na gaskiya — Yawancin hukumomi na haraji na harajin ribar a matsayin kuɗin shiga na yau da kullum a lokacin karɓa (US, UK, Germany, Australia, Canada). Wasu na haraji ne kawai a lokacin fitarwa zuwa fiat (Faransa ga masu kasuwanci na lokaci-lokaci, Indiya).