{"id":13770,"date":"2025-10-01T10:20:13","date_gmt":"2025-10-01T10:20:13","guid":{"rendered":"https:\/\/cryptozen.asia\/vn\/tu-nairobi-den-lagos-cach-nguoi-chau-phi-su-dung-stablecoin-de-vuot-qua-lam-phat\/"},"modified":"2025-10-01T10:20:13","modified_gmt":"2025-10-01T10:20:13","slug":"tu-nairobi-den-lagos-cach-nguoi-chau-phi-su-dung-stablecoin-de-vuot-qua-lam-phat","status":"publish","type":"post","link":"https:\/\/cryptozen.asia\/vn\/tu-nairobi-den-lagos-cach-nguoi-chau-phi-su-dung-stablecoin-de-vuot-qua-lam-phat\/","title":{"rendered":"T\u1eeb Nairobi \u0111\u1ebfn Lagos: C\u00e1ch ng\u01b0\u1eddi ch\u00e2u Phi s\u1eed d\u1ee5ng stablecoin \u0111\u1ec3 v\u01b0\u1ee3t qua l\u1ea1m ph\u00e1t"},"content":{"rendered":"<h2>Nh\u1eefng \u0111i\u1ec3m ch\u00ednh<\/h2>\n<p><strong>Stablecoin<\/strong> hi\u1ec7n \u0111ang tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 thi\u1ebft y\u1ebfu cho ti\u1ebft ki\u1ec7m, thanh to\u00e1n v\u00e0 th\u01b0\u01a1ng m\u1ea1i t\u1ea1i <strong>Nairobi<\/strong> v\u00e0 <strong>Lagos<\/strong>. <strong>L\u1ea1m ph\u00e1t<\/strong>, bi\u1ebfn \u0111\u1ed9ng t\u1ef7 gi\u00e1 v\u00e0 chi ph\u00ed chuy\u1ec3n ti\u1ec1n cao \u0111\u00e3 th\u00fac \u0111\u1ea9y vi\u1ec7c \u00e1p d\u1ee5ng ch\u00fang. S\u1ef1 k\u1ebft n\u1ed1i v\u1edbi ti\u1ec1n di \u0111\u1ed9ng gi\u00fap stablecoin tr\u1edf n\u00ean quen thu\u1ed9c v\u00e0 th\u1ef1c ti\u1ec5n h\u01a1n. Tuy nhi\u00ean, v\u1eabn c\u00f2n t\u1ed3n t\u1ea1i nh\u1eefng <strong>r\u1ee7i ro<\/strong> li\u00ean quan \u0111\u1ebfn d\u1ef1 tr\u1eef, l\u1eeba \u0111\u1ea3o v\u00e0 s\u1ef1 thay \u0111\u1ed5i trong quy \u0111\u1ecbnh.<\/p>\n<h2>Th\u1ef1c ti\u1ec5n t\u1ea1i Nairobi v\u00e0 Lagos<\/h2>\n<p>V\u00e0o m\u1ed9t bu\u1ed5i s\u00e1ng th\u1ee9 Ba t\u1ea1i Nairobi, Amina l\u1eadp h\u00f3a \u0111\u01a1n cho m\u1ed9t kh\u00e1ch h\u00e0ng \u1edf Berlin. \u0110\u1ebfn chi\u1ec1u, <strong>USDC<\/strong> \u0111\u00e3 xu\u1ea5t hi\u1ec7n trong v\u00ed c\u1ee7a c\u00f4, v\u00e0 ch\u1ec9 trong v\u00e0i ph\u00fat, c\u00f4 \u0111\u00e3 r\u00fat ti\u1ec1n ra <strong>M-Pesa<\/strong>. Nh\u1eefng g\u00ec t\u1eebng c\u1ea3m th\u1ea5y nh\u01b0 m\u1ed9t th\u1eed nghi\u1ec7m gi\u1edd \u0111\u00e3 tr\u1edf th\u00e0nh th\u00f3i quen, nh\u1edd v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 <strong>Kotani Pay<\/strong> k\u1ebft n\u1ed1i stablecoin v\u1edbi ti\u1ec1n di \u0111\u1ed9ng.<\/p>\n<p>\u1ede ph\u00eda b\u00ean kia l\u1ee5c \u0111\u1ecba t\u1ea1i Lagos, Chinedu \u0111i\u1ec1u h\u00e0nh m\u1ed9t c\u1eeda h\u00e0ng nh\u1ecf v\u00e0 gi\u1eef v\u1ed1n l\u00e0m vi\u1ec7c c\u1ee7a m\u00ecnh trong <strong>USDt<\/strong> c\u1ee7a Tether. Vi\u1ec7c n\u1eafm gi\u1eef &#8220;\u0111\u00f4 la k\u1ef9 thu\u1eadt s\u1ed1&#8221; gi\u00fap anh c\u00f3 th\u1ec3 nh\u1eadp h\u00e0ng m\u00e0 kh\u00f4ng ph\u1ea3i lo l\u1eafng v\u1ec1 vi\u1ec7c bi\u00ean l\u1ee3i nhu\u1eadn c\u1ee7a m\u00ecnh b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a naira. Anh kh\u00f4ng ph\u1ea3i l\u00e0 tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7. Gi\u1eefa th\u00e1ng 7 n\u0103m 2023 v\u00e0 th\u00e1ng 6 n\u0103m 2024, Nigeria \u0111\u00e3 x\u1eed l\u00fd g\u1ea7n <strong>22 t\u1ef7 USD<\/strong> giao d\u1ecbch stablecoin &#8211; kh\u1ed1i l\u01b0\u1ee3ng l\u1edbn nh\u1ea5t \u1edf khu v\u1ef1c h\u1ea1 Sahara.<\/p>\n<h2>L\u00fd do l\u00e0 kinh t\u1ebf<\/h2>\n<p>Vi\u1ec7c g\u1eedi ti\u1ec1n v\u00e0o khu v\u1ef1c th\u00f4ng qua c\u00e1c k\u00eanh chuy\u1ec3n ti\u1ec1n truy\u1ec1n th\u1ed1ng v\u1eabn t\u1ed1n trung b\u00ecnh <strong>8,45%<\/strong> (Q3 2024), trong khi c\u00e1c nh\u00e0 \u0111i\u1ec1u h\u00e0nh k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 \u0111\u01b0a ph\u00ed xu\u1ed1ng g\u1ea7n <strong>4%<\/strong>. Th\u00eam v\u00e0o \u0111\u00f3 l\u00e0 m\u1ed9t c\u00fa nh\u1ea3y stablecoin v\u00e0 m\u1ed9t t\u00f9y ch\u1ecdn r\u00fat ti\u1ec1n \u0111\u00e1ng tin c\u1eady, gi\u00fap kho\u1ea3n ti\u1ebft ki\u1ec7m tr\u1edf n\u00ean s\u1eafc n\u00e9t h\u01a1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u00ean c\u00e1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n t\u1eeb <strong>200-1.000 USD<\/strong>, h\u1ed7 tr\u1ee3 c\u00e1c gia \u0111\u00ecnh v\u00e0 doanh nghi\u1ec7p nh\u1ecf. Chi ph\u00ed c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo th\u1ecb tr\u01b0\u1eddng, nh\u01b0ng nguy\u00ean t\u1eafc v\u1eabn gi\u1eef nguy\u00ean: \u0110\u1ed1i v\u1edbi h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi l\u1ea1m ph\u00e1t, ki\u1ec3m so\u00e1t ti\u1ec1n t\u1ec7 v\u00e0 c\u00e1c h\u00e0nh lang chuy\u1ec3n ti\u1ec1n \u0111\u1eaft \u0111\u1ecf nh\u1ea5t th\u1ebf gi\u1edbi, stablecoin cung c\u1ea5p m\u1ed9t c\u00e1ch \u0111\u1ec3 gi\u1eef gi\u00e1 tr\u1ecb v\u00e0 di chuy\u1ec3n ti\u1ec1n ch\u1ec9 v\u1edbi m\u1ed9t chi\u1ebfc \u0111i\u1ec7n tho\u1ea1i.<\/p>\n<h2>S\u1ef1 si\u1ebft ch\u1eb7t v\u0129 m\u00f4<\/h2>\n<p>Cu\u1ed9c kh\u1ee7ng ho\u1ea3ng chi ph\u00ed sinh ho\u1ea1t \u1edf Nigeria v\u1eabn ch\u01b0a bi\u1ebfn m\u1ea5t. L\u1ea1m ph\u00e1t \u0111\u00e3 gi\u1ea3m t\u1eeb m\u1ee9c cao \u0111\u1ea7u n\u0103m 2025 nh\u01b0ng v\u1eabn r\u1ea5t kh\u1eafc nghi\u1ec7t, v\u1edbi ch\u1ec9 s\u1ed1 gi\u00e1 ti\u00eau d\u00f9ng (CPI) ch\u00ednh \u1edf m\u1ee9c <strong>21,88%<\/strong> v\u00e0o th\u00e1ng 7 n\u0103m 2025, cao h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee5c ti\u00eau v\u00e0 li\u00ean t\u1ee5c l\u00e0m gi\u1ea3m s\u1ee9c mua. C\u00e1c c\u1ea3i c\u00e1ch ti\u1ec1n t\u1ec7 t\u1eeb n\u0103m 2023, bao g\u1ed3m nhi\u1ec1u l\u1ea7n gi\u1ea3m gi\u00e1 v\u00e0 chuy\u1ec3n sang ch\u1ebf \u0111\u1ed9 t\u1ef7 gi\u00e1 th\u1ecb tr\u01b0\u1eddng h\u01a1n, ch\u1ec9 l\u00e0m t\u0103ng th\u00eam s\u1ef1 bi\u1ebfn \u0111\u1ed9ng ng\u1eafn h\u1ea1n cho c\u00e1c h\u1ed9 gia \u0111\u00ecnh v\u00e0 nh\u00e0 nh\u1eadp kh\u1ea9u, nh\u1eefng ng\u01b0\u1eddi \u0111\u1ecbnh gi\u00e1 h\u00e0ng h\u00f3a thi\u1ebft y\u1ebfu b\u1eb1ng \u0111\u00f4 la. T\u00ecnh h\u00ecnh \u1edf Kenya nh\u1eb9 nh\u00e0ng h\u01a1n nh\u01b0ng theo c\u00f9ng m\u1ed9t m\u00f4 h\u00ecnh. L\u1ea1m ph\u00e1t \u0111\u00e3 t\u0103ng l\u00ean <strong>4,5%<\/strong> v\u00e0o th\u00e1ng 8 n\u0103m 2025, do chi ph\u00ed th\u1ef1c ph\u1ea9m v\u00e0 v\u1eadn t\u1ea3i t\u0103ng, trong khi s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a shilling gi\u1eef nhu c\u1ea7u USD cao trong s\u1ed1 c\u00e1c th\u01b0\u01a1ng nh\u00e2n.<\/p>\n<p>Tr\u00ean h\u1ebft l\u00e0 h\u00e0nh lang chuy\u1ec3n ti\u1ec1n \u0111\u1eaft \u0111\u1ecf nh\u1ea5t th\u1ebf gi\u1edbi. B\u00e1o c\u00e1o Gi\u00e1 chuy\u1ec3n ti\u1ec1n to\u00e0n c\u1ea7u c\u1ee7a Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi cho th\u1ea5y khu v\u1ef1c h\u1ea1 Sahara trung b\u00ecnh <strong>8,45%<\/strong> trong Q3 2024, cao h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee5c ti\u00eau <strong>3%<\/strong> c\u1ee7a c\u00e1c M\u1ee5c ti\u00eau Ph\u00e1t tri\u1ec3n B\u1ec1n v\u1eefng c\u1ee7a Li\u00ean H\u1ee3p Qu\u1ed1c v\u00e0 cao h\u01a1n m\u1ee9c trung b\u00ecnh to\u00e0n c\u1ea7u l\u00e0 <strong>6%<\/strong>. \u0110\u1ed1i v\u1edbi c\u00e1c gia \u0111\u00ecnh g\u1eedi t\u1eeb <strong>200-500 USD<\/strong> m\u1ed9t l\u1ea7n, nh\u1eefng chi ph\u00ed \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa vi\u1ec7c tr\u1ea3 ti\u1ec1n thu\u00ea nh\u00e0 \u0111\u00fang h\u1ea1n v\u00e0 b\u1ecb ch\u1eadm tr\u1ec5. Nh\u1eefng \u00e1p l\u1ef1c n\u00e0y gi\u1ea3i th\u00edch t\u1ea1i sao stablecoin \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t gi\u1ea3i ph\u00e1p th\u1ef1c ti\u1ec5n cho c\u00e1c freelancer, th\u01b0\u01a1ng nh\u00e2n v\u00e0 doanh nghi\u1ec7p nh\u1ecf t\u1eeb Nairobi \u0111\u1ebfn Lagos.<\/p>\n<h2>T\u1ea1i sao l\u1ea1i l\u00e0 stablecoin?<\/h2>\n<p>\u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi ki\u1ebfm ti\u1ec1n qua bi\u00ean gi\u1edbi ho\u1eb7c ti\u1ebft ki\u1ec7m trong c\u00e1c \u0111\u1ed3ng ti\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng y\u1ebfu, stablecoin ho\u1ea1t \u0111\u1ed9ng nh\u01b0 &#8220;\u0111\u00f4 la k\u1ef9 thu\u1eadt s\u1ed1&#8221; v\u1edbi hai l\u1ee3i th\u1ebf r\u00f5 r\u00e0ng: C\u00e1c giao d\u1ecbch di\u1ec5n ra li\u00ean t\u1ee5c v\u00e0 ph\u00ed th\u01b0\u1eddng th\u1ea5p h\u01a1n so v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 ti\u1ec1n t\u1ec7 truy\u1ec1n th\u1ed1ng (\u0111\u1eb7c bi\u1ec7t l\u00e0 cho c\u00e1c kho\u1ea3n thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi). S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa t\u1ed1c \u0111\u1ed9 v\u00e0 t\u00ednh h\u1ee3p l\u00fd gi\u1ea3i th\u00edch nhi\u1ec1u v\u1ec1 s\u1ef1 thu h\u00fat c\u1ee7a ch\u00fang \u1edf c\u00e1c th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u1ed5i. T\u1ea1i khu v\u1ef1c h\u1ea1 Sahara, \u0111i\u1ec1u n\u00e0y \u0111\u00e3 r\u00f5 r\u00e0ng tr\u00ean th\u1ef1c \u0111\u1ecba. D\u1eef li\u1ec7u t\u1eeb <strong>Chainalysis<\/strong> cho th\u1ea5y stablecoin hi\u1ec7n chi\u1ebfm t\u1ef7 l\u1ec7 l\u1edbn nh\u1ea5t trong ho\u1ea1t \u0111\u1ed9ng crypto h\u00e0ng ng\u00e0y. Ch\u1ec9 ri\u00eang \u1edf Nigeria, c\u00e1c giao d\u1ecbch d\u01b0\u1edbi <strong>1 tri\u1ec7u USD<\/strong> ch\u1ee7 y\u1ebfu \u0111\u01b0\u1ee3c chi ph\u1ed1i b\u1edfi stablecoin, t\u1ed5ng c\u1ed9ng g\u1ea7n <strong>3 t\u1ef7 USD<\/strong> trong Q1 2024. Tr\u00ean to\u00e0n khu v\u1ef1c, stablecoin chi\u1ebfm kho\u1ea3ng <strong>40%-43%<\/strong> t\u1ed5ng kh\u1ed1i l\u01b0\u1ee3ng crypto. <strong>USDt<\/strong> c\u1ee7a Tether v\u00e0 <strong>USDC<\/strong> v\u1eabn l\u00e0 nh\u1eefng l\u1ef1a ch\u1ecdn h\u00e0ng \u0111\u1ea7u. T\u1ea1i n\u01a1i m\u00e0 chi ph\u00ed quy\u1ebft \u0111\u1ecbnh h\u00e0nh vi, <strong>Tron<\/strong> \u0111\u00e3 n\u1ed5i l\u00ean nh\u01b0 m\u1ed9t m\u1ea1ng l\u01b0\u1edbi \u01b0a th\u00edch \u0111\u1ec3 di chuy\u1ec3n <strong>USDT<\/strong>; v\u00e0o gi\u1eefa n\u0103m 2025, n\u00f3 \u0111\u00e3 chi\u1ebfm t\u1ef7 l\u1ec7 l\u1edbn nh\u1ea5t trong ngu\u1ed3n cung <strong>USDT<\/strong>. L\u00fd do r\u1ea5t \u0111\u01a1n gi\u1ea3n: M\u1ecdi ng\u01b0\u1eddi theo \u0111u\u1ed5i t\u00f9y ch\u1ecdn n\u00e0o r\u1ebb nh\u1ea5t v\u00e0 \u0111\u00e1ng tin c\u1eady nh\u1ea5t.<\/p>\n<h2>C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng tr\u00ean th\u1ef1c \u0111\u1ecba<\/h2>\n<p>T\u1ea1i Kenya v\u00e0 Nigeria, h\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi nh\u1eadn <strong>USDT<\/strong> ho\u1eb7c <strong>USDC<\/strong> th\u00f4ng qua s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa c\u00e1c fintech \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd v\u00e0 c\u00e1c th\u1ecb tr\u01b0\u1eddng P2P, sau \u0111\u00f3 r\u00fat ti\u1ec1n qua ng\u00e2n h\u00e0ng ho\u1eb7c ti\u1ec1n di \u0111\u1ed9ng. <strong>Yellow Card<\/strong>, ho\u1ea1t \u0111\u1ed9ng t\u1ea1i kho\u1ea3ng 20 qu\u1ed1c gia ch\u00e2u Phi, th\u1ef1c hi\u1ec7n h\u1ea7u h\u1ebft c\u00e1c giao d\u1ecbch c\u1ee7a m\u00ecnh b\u1eb1ng <strong>USDT<\/strong>. D\u1ecbch v\u1ee5 <strong>Yellow Pay<\/strong> c\u1ee7a n\u00f3 k\u1ebft n\u1ed1i ng\u01b0\u1eddi d\u00f9ng qua bi\u00ean gi\u1edbi v\u00e0 h\u1ed7 tr\u1ee3 r\u00fat ti\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng, bao g\u1ed3m c\u1ea3 ti\u1ec1n di \u0111\u1ed9ng. Ng\u00e0y nay, stablecoin chi\u1ebfm <strong>99%<\/strong> doanh thu c\u1ee7a Yellow Card.<\/p>\n<h2>C\u1ea7u n\u1ed1i ti\u1ec1n di \u0111\u1ed9ng<\/h2>\n<p>T\u1ea1i \u0110\u00f4ng Phi, x\u01b0\u01a1ng s\u1ed1ng l\u00e0 <strong>M-Pesa<\/strong> v\u00e0 c\u00e1c v\u00ed di \u0111\u1ed9ng kh\u00e1c. <strong>Kotani Pay<\/strong> cung c\u1ea5p d\u1ecbch v\u1ee5 chuy\u1ec3n \u0111\u1ed5i cho ph\u00e9p c\u00e1c \u0111\u1ed1i t\u00e1c thanh to\u00e1n b\u1eb1ng stablecoin v\u00e0 tr\u1ea3 ti\u1ec1n tr\u1ef1c ti\u1ebfp v\u00e0o M-Pesa. Th\u00ed \u0111i\u1ec3m c\u1ee7a <strong>Mercy Corps<\/strong> t\u1ea1i Kenya \u0111\u00e3 s\u1eed d\u1ee5ng Kotani \u0111\u1ec3 th\u1eed nghi\u1ec7m ti\u1ebft ki\u1ec7m <strong>USDC-to-M-Pesa<\/strong>. D\u00f2ng ch\u1ea3y r\u1ea5t \u0111\u01a1n gi\u1ea3n: nh\u1eadn USDC, chuy\u1ec3n \u0111\u1ed5i sang shilling v\u00e0 chi ti\u00eau qua c\u00f9ng m\u1ed9t v\u00ed m\u00e0 m\u1ecdi ng\u01b0\u1eddi \u0111\u00e3 s\u1eed d\u1ee5ng. C\u00e1c c\u00f4ng ty fintech \u0111ang m\u1edf r\u1ed9ng quy m\u00f4. M\u1ed9t s\u1ed1 c\u00f4ng ty gi\u1eef l\u1edbp crypto kh\u00f4ng hi\u1ec3n th\u1ecb. <strong>Chipper Cash<\/strong>, v\u00ed d\u1ee5, s\u1eed d\u1ee5ng <strong>USDC<\/strong> \u1edf ph\u00eda sau \u0111\u1ec3 di chuy\u1ec3n \u0111\u00f4 la ngay l\u1eadp t\u1ee9c qua m\u1ea1ng l\u01b0\u1edbi c\u1ee7a m\u00ecnh. N\u00f3 c\u0169ng \u0111\u00e3 b\u1eaft \u0111\u1ea7u s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 c\u1ee7a <strong>Ripple<\/strong> \u0111\u1ec3 \u0111\u01b0a ti\u1ec1n v\u00e0o ch\u00edn th\u1ecb tr\u01b0\u1eddng ch\u00e2u Phi. \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, n\u00f3 gi\u1ed1ng nh\u01b0 m\u1ed9t phi\u00ean b\u1ea3n nhanh h\u01a1n, r\u1ebb h\u01a1n c\u1ee7a m\u1ed9t v\u00ed quen thu\u1ed9c.<\/p>\n<h2>C\u00e1c tr\u01b0\u1eddng h\u1ee3p s\u1eed d\u1ee5ng h\u00e0ng ng\u00e0y<\/h2>\n<ul>\n<li><strong>Ti\u1ebft ki\u1ec7m:<\/strong> Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 d\u01b0 nh\u1ecf th\u00e0nh \u0111\u00f4 la k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 b\u1ea3o v\u1ec7 ch\u1ed1ng l\u1ea1i l\u1ea1m ph\u00e1t.<\/li>\n<li><strong>Ti\u1ec1n l\u01b0\u01a1ng v\u00e0 c\u00f4ng vi\u1ec7c t\u1ef1 do:<\/strong> C\u00e1c freelancer v\u00e0 ng\u01b0\u1eddi s\u00e1ng t\u1ea1o th\u01b0\u1eddng \u0111\u01b0\u1ee3c tr\u1ea3 b\u1eb1ng <strong>USDC<\/strong>, ch\u1ec9 chuy\u1ec3n \u0111\u1ed5i nh\u1eefng g\u00ec h\u1ecd c\u1ea7n sang ti\u1ec1n t\u1ec7 \u0111\u1ecba ph\u01b0\u01a1ng.<\/li>\n<li><strong>Th\u01b0\u01a1ng m\u1ea1i v\u00e0 h\u00e0ng t\u1ed3n kho:<\/strong> C\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba thanh to\u00e1n h\u00f3a \u0111\u01a1n v\u00e0 tr\u1ea3 ti\u1ec1n cho nh\u00e0 cung c\u1ea5p b\u1eb1ng stablecoin; Yellow Card cho bi\u1ebft thanh to\u00e1n doanh nghi\u1ec7p l\u00e0 m\u1ed9t trong nh\u1eefng ph\u00e2n kh\u00fac ph\u00e1t tri\u1ec3n nhanh nh\u1ea5t c\u1ee7a h\u1ecd.<\/li>\n<li><strong>Chuy\u1ec3n ti\u1ec1n:<\/strong> C\u00e1c giao d\u1ecbch stablecoin v\u1edbi t\u00f9y ch\u1ecdn r\u00fat ti\u1ec1n \u0111\u1ecba ph\u01b0\u01a1ng th\u01b0\u1eddng v\u01b0\u1ee3t tr\u1ed9i h\u01a1n c\u00e1c d\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n truy\u1ec1n th\u1ed1ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u00ean c\u00e1c giao d\u1ecbch t\u1eeb <strong>200-1.000 USD<\/strong>.<\/li>\n<\/ul>\n<p>Ti\u1ec1n di \u0111\u1ed9ng \u0111\u00e3 c\u00f3 m\u1eb7t \u1edf kh\u1eafp m\u1ecdi n\u01a1i, v\u1edbi h\u01a1n <strong>2 t\u1ef7 t\u00e0i kho\u1ea3n<\/strong> \u0111\u00e3 \u0111\u0103ng k\u00fd tr\u00ean to\u00e0n c\u1ea7u. Khu v\u1ef1c h\u1ea1 Sahara n\u1eb1m \u1edf trung t\u00e2m c\u1ee7a xu h\u01b0\u1edbng n\u00e0y.<\/p>\n<h2>Quy \u0111\u1ecbnh v\u00e0 ch\u00ednh s\u00e1ch thay \u0111\u1ed5i<\/h2>\n<h3>Nigeria<\/h3>\n<p>Quan \u0111i\u1ec3m quy \u0111\u1ecbnh \u0111\u00e3 thay \u0111\u1ed5i m\u1ea1nh m\u1ebd trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, t\u1eeb c\u1ea5m \u0111o\u00e1n sang cho ph\u00e9p th\u1eadn tr\u1ecdng, v\u00e0 gi\u1edd \u0111\u00e2y h\u01b0\u1edbng t\u1edbi vi\u1ec7c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd h\u01a1n. V\u00e0o th\u00e1ng 12 n\u0103m 2023, Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng Nigeria \u0111\u00e3 d\u1ee1 b\u1ecf l\u1ec7nh c\u1ea5m ng\u00e2n h\u00e0ng v\u00e0 cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng m\u1edf t\u00e0i kho\u1ea3n cho c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i s\u1ea3n \u1ea3o (VASPs). Nh\u01b0ng, v\u00e0o n\u0103m 2024, t\u00ecnh h\u00ecnh l\u1ea1i thay \u0111\u1ed5i: C\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u00e3 si\u1ebft ch\u1eb7t c\u00e1c \u0111\u1ecba \u0111i\u1ec3m P2P naira v\u00e0 Binance, b\u1eaft gi\u1eef c\u00e1c gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh, ng\u1eebng c\u00e1c c\u1eb7p naira v\u00e0 c\u1ea3nh b\u00e1o v\u1ec1 c\u00e1c quy \u0111\u1ecbnh b\u1ed5 sung ch\u1ed1ng l\u1ea1i giao d\u1ecbch b\u1ea5t h\u1ee3p ph\u00e1p. C\u00e1c v\u1ee5 vi\u1ec7c v\u00e0 tranh ch\u1ea5p \u0111\u00e3 ti\u1ebfp t\u1ee5c v\u00e0o n\u0103m 2025. Trong khi \u0111\u00f3, \u1ee6y ban Ch\u1ee9ng kho\u00e1n v\u00e0 Giao d\u1ecbch Nigeria \u0111\u00e3 c\u1eadp nh\u1eadt khung crypto c\u1ee7a m\u00ecnh v\u00e0o th\u00e1ng 1 n\u0103m 2025, v\u00e0 \u0110\u1ea1o lu\u1eadt \u0110\u1ea7u t\u01b0 v\u00e0 Ch\u1ee9ng kho\u00e1n m\u1edbi (ISA 2025), hi\u1ec7n \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c, \u0111\u00e3 l\u00e0m r\u00f5 ngh\u0129a v\u1ee5 \u0111\u0103ng k\u00fd cho c\u00e1c c\u00f4ng ty t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1. Nhi\u1ec1u y\u00eau c\u1ea7u c\u1ea5p ph\u00e9p, ti\u1ebft l\u1ed9 v\u00e0 gi\u00e1m s\u00e1t marketing h\u01a1n \u0111\u01b0\u1ee3c mong \u0111\u1ee3i.<\/p>\n<h3>Kenya<\/h3>\n<p>\u0110\u1ea1o lu\u1eadt T\u00e0i ch\u00ednh 2023 \u0111\u00e3 gi\u1edbi thi\u1ec7u thu\u1ebf T\u00e0i s\u1ea3n K\u1ef9 thu\u1eadt s\u1ed1 <strong>3%<\/strong>, \u0111\u01b0\u1ee3c T\u00f2a \u00e1n T\u1ed1i cao duy tr\u00ec v\u00e0o cu\u1ed1i n\u0103m 2024. Nh\u01b0ng ch\u00ednh s\u00e1ch l\u1ea1i thay \u0111\u1ed5i m\u1ed9t l\u1ea7n n\u1eefa v\u00e0o gi\u1eefa n\u0103m 2025. \u0110\u1ea1o lu\u1eadt T\u00e0i ch\u00ednh 2025 \u0111\u00e3 b\u00e3i b\u1ecf kho\u1ea3n thu\u1ebf n\u00e0y v\u00e0 thay th\u1ebf n\u00f3 b\u1eb1ng thu\u1ebf ti\u00eau th\u1ee5 <strong>10%<\/strong> tr\u00ean c\u00e1c kho\u1ea3n ph\u00ed m\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p t\u00e0i s\u1ea3n \u1ea3o t\u00ednh. Ng\u01b0\u1eddi d\u00f9ng v\u00e0 nh\u00e0 \u0111i\u1ec1u h\u00e0nh gi\u1edd \u0111\u00e2y c\u1ea7n theo d\u00f5i ngh\u0129a v\u1ee5 thu\u1ebf ti\u00eau th\u1ee5, VAT\/DST v\u00e0 b\u00e1o c\u00e1o. Cu\u1ed1i c\u00f9ng, c\u00e1c khung ph\u00e1p l\u00fd \u0111ang ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng. Lu\u00f4n ki\u1ec3m tra h\u01b0\u1edbng d\u1eabn \u0111\u1ecba ph\u01b0\u01a1ng m\u1edbi nh\u1ea5t tr\u01b0\u1edbc khi ch\u1ecdn nh\u00e0 cung c\u1ea5p.<\/p>\n<h2>S\u1ed5 r\u1ee7i ro<\/h2>\n<p>Stablecoin c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 t\u1ed1c \u0111\u1ed9 v\u00e0 chi ph\u00ed, nh\u01b0ng ch\u00fang c\u0169ng mang theo nh\u1eefng <strong>r\u1ee7i ro<\/strong> ri\u00eang, r\u01a1i v\u00e0o ba lo\u1ea1i ch\u00ednh.<\/p>\n<ul>\n<li><strong>Peg v\u00e0 \u0111\u1ed1i t\u00e1c:<\/strong> Stablecoin ch\u1ec9 \u0111\u00e1ng tin c\u1eady nh\u01b0 c\u00e1c d\u1ef1 tr\u1eef v\u00e0 qu\u1ea3n tr\u1ecb \u0111\u1ee9ng sau ch\u00fang. C\u00e1c ph\u00e2n t\u00edch c\u1ee7a Ng\u00e2n h\u00e0ng Thanh to\u00e1n Qu\u1ed1c t\u1ebf v\u00e0 Qu\u1ef9 Ti\u1ec1n t\u1ec7 Qu\u1ed1c t\u1ebf c\u1ea3nh b\u00e1o r\u1eb1ng s\u1ef1 t\u0103ng tr\u01b0\u1edfng nhanh ch\u00f3ng c\u00f3 th\u1ec3 g\u00e2y ra c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh, t\u1eeb vi\u1ec7c b\u00e1n bu\u1ed9c c\u00e1c t\u00e0i s\u1ea3n d\u1ef1 tr\u1eef \u0111\u1ebfn &#8220;\u0111\u00f4 la h\u00f3a&#8221; l\u00e0m suy y\u1ebfu ki\u1ec3m so\u00e1t ti\u1ec1n t\u1ec7 \u0111\u1ecba ph\u01b0\u01a1ng. Vi\u1ec7c <strong>USDC<\/strong> m\u1ea5t gi\u00e1 v\u00e0o th\u00e1ng 3 n\u0103m 2023 \u0111\u00e3 cho th\u1ea5y s\u1ef1 lan truy\u1ec1n nhanh ch\u00f3ng c\u1ee7a c\u00e1c c\u00fa s\u1ed1c ni\u1ec1m tin. C\u00e1c \u0111\u00e1nh gi\u00e1 \u0111\u1ed9c l\u1eadp c\u0169ng \u0111\u00e3 ch\u1ec9 ra c\u00e1c kho\u1ea3ng tr\u1ed1ng v\u1ec1 t\u00ednh minh b\u1ea1ch v\u00e0 s\u1ef1 t\u1eadp trung c\u1ee7a nh\u00e0 ph\u00e1t h\u00e0nh nh\u01b0 nh\u1eefng m\u1ed1i quan t\u00e2m \u0111ang di\u1ec5n ra.<\/li>\n<li><strong>R\u1ee7i ro v\u1eadn h\u00e0nh:<\/strong> Tr\u00ean th\u1ef1c \u0111\u1ecba, c\u00e1c r\u1ee7i ro h\u00e0ng ng\u00e0y bao g\u1ed3m l\u1eeba \u0111\u1ea3o P2P, tr\u1ed9m v\u00ed, th\u1ea5t b\u1ea1i c\u1ea7u n\u1ed1i v\u00e0 kh\u00f3 kh\u0103n trong vi\u1ec7c r\u00fat ti\u1ec1n. C\u00e1c h\u00e0nh \u0111\u1ed9ng quy \u0111\u1ecbnh c\u00f3 th\u1ec3 l\u00e0m t\u00ecnh h\u00ecnh t\u1ed3i t\u1ec7 h\u01a1n. Cu\u1ed9c \u0111\u00e0n \u00e1p c\u1ee7a Nigeria v\u00e0o n\u0103m 2024-2025 \u0111\u00e3 \u0111\u00f3ng b\u0103ng c\u00e1c t\u00e0i kho\u1ea3n v\u00e0 l\u00e0m cho s\u1ed1 d\u01b0 b\u1ecb m\u1eafc k\u1eb9t qua \u0111\u00eam, minh h\u1ecda c\u00e1ch m\u00e0 quy\u1ec1n truy c\u1eadp c\u00f3 th\u1ec3 bi\u1ebfn m\u1ea5t \u0111\u1ed9t ng\u1ed9t.<\/li>\n<li><strong>Ch\u00ednh s\u00e1ch:<\/strong> \u1ede c\u1ea5p \u0111\u1ed9 h\u1ec7 th\u1ed1ng, s\u1ef1 ph\u1ee5 thu\u1ed9c n\u1eb7ng n\u1ec1 v\u00e0o stablecoin li\u00ean k\u1ebft v\u1edbi \u0111\u00f4 la c\u00f3 th\u1ec3 t\u0103ng t\u1ed1c \u0111\u1ed9 \u0111\u00f4 la h\u00f3a kh\u00f4ng ch\u00ednh th\u1ee9c v\u00e0 chuy\u1ec3n c\u00e1c kho\u1ea3n thanh to\u00e1n ra ngo\u00e0i c\u00e1c k\u00eanh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd. \u0110\u1ec3 \u0111\u00e1p \u1ee9ng, c\u00e1c nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch \u0111ang th\u00fac \u0111\u1ea9y y\u00eau c\u1ea7u c\u1ea5p ph\u00e9p ch\u1eb7t ch\u1ebd h\u01a1n, ti\u00eau chu\u1ea9n d\u1ef1 tr\u1eef nghi\u00eam ng\u1eb7t h\u01a1n v\u00e0 nhi\u1ec1u s\u1ef1 ti\u1ebft l\u1ed9 h\u01a1n t\u1eeb c\u00e1c nh\u00e0 ph\u00e1t h\u00e0nh.<\/li>\n<\/ul>\n<h2>\u0110i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra ti\u1ebfp theo v\u1edbi stablecoin \u1edf ch\u00e2u Phi?<\/h2>\n<p>Stablecoin s\u1ebd kh\u00f4ng gi\u1ea3i quy\u1ebft l\u1ea1m ph\u00e1t hay vi\u1ebft l\u1ea1i ch\u00ednh s\u00e1ch FX, nh\u01b0ng ch\u00fang \u0111\u00e3 l\u00e0m cho vi\u1ec7c ti\u1ebft ki\u1ec7m, nh\u1eadn ti\u1ec1n v\u00e0 g\u1eedi ti\u1ec1n qua bi\u00ean gi\u1edbi tr\u1edf n\u00ean r\u1ebb h\u01a1n v\u00e0 nhanh h\u01a1n cho nhi\u1ec1u ng\u01b0\u1eddi \u1edf Nairobi, Lagos v\u00e0 xa h\u01a1n. S\u1ef1 t\u00edch h\u1ee3p c\u1ee7a ch\u00fang v\u1edbi ti\u1ec1n di \u0111\u1ed9ng l\u00e0 \u0111i\u1ec1u khi\u1ebfn ch\u00fang tr\u1edf n\u00ean th\u1ef1c ti\u1ec5n. C\u00e1c nh\u00e0 x\u00e2y d\u1ef1ng coi stablecoin l\u00e0 c\u00f4ng c\u1ee5 cho ti\u1ec7n \u00edch h\u00e0ng ng\u00e0y, trong khi c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd lo l\u1eafng v\u1ec1 \u0111\u00f4 la h\u00f3a v\u00e0 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh. S\u1ef1 c\u00e2n b\u1eb1ng gi\u1eefa nh\u1eefng l\u1ef1c l\u01b0\u1ee3ng \u0111\u00f3 s\u1ebd \u0111\u1ecbnh h\u00ecnh nh\u1eefng g\u00ec x\u1ea3y ra ti\u1ebfp theo. Tr\u00ean th\u1ef1c \u0111\u1ecba, c\u00e1ch ti\u1ebfp c\u1eadn an to\u00e0n nh\u1ea5t l\u00e0 \u0111\u01a1n gi\u1ea3n: Gi\u1eef chi ph\u00ed th\u1ea5p, g\u1eafn b\u00f3 v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p \u0111\u00e1ng tin c\u1eady v\u00e0 lu\u00f4n c\u1ea3nh gi\u00e1c khi c\u00e1c quy t\u1eafc ph\u00e1t tri\u1ec3n. Nh\u1eefng g\u00ec c\u00f3 kh\u1ea3 n\u0103ng x\u1ea3y ra ti\u1ebfp theo l\u00e0 y\u00eau c\u1ea7u ti\u1ebft l\u1ed9 r\u00f5 r\u00e0ng h\u01a1n, c\u1ea5p ph\u00e9p nghi\u00eam ng\u1eb7t h\u01a1n v\u00e0 nhi\u1ec1u d\u1ecbch v\u1ee5 &#8220;crypto \u1edf ph\u00eda sau&#8221;, n\u01a1i ng\u01b0\u1eddi d\u00f9ng kh\u00f4ng th\u1ea5y token n\u00e0o c\u1ea3, ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb di chuy\u1ec3n ngay l\u1eadp t\u1ee9c v\u00e0 v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n.<\/p>\n<p><em>B\u00e0i vi\u1ebft n\u00e0y kh\u00f4ng ch\u1ee9a l\u1eddi khuy\u00ean ho\u1eb7c khuy\u1ebfn ngh\u1ecb \u0111\u1ea7u t\u01b0. M\u1ecdi quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 v\u00e0 giao d\u1ecbch \u0111\u1ec1u li\u00ean quan \u0111\u1ebfn r\u1ee7i ro, v\u00e0 \u0111\u1ed9c gi\u1ea3 n\u00ean t\u1ef1 ti\u1ebfn h\u00e0nh nghi\u00ean c\u1ee9u khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nh\u1eefng \u0111i\u1ec3m ch\u00ednh Stablecoin hi\u1ec7n \u0111ang tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 thi\u1ebft y\u1ebfu cho ti\u1ebft ki\u1ec7m, thanh to\u00e1n v\u00e0 th\u01b0\u01a1ng m\u1ea1i t\u1ea1i Nairobi v\u00e0 Lagos. L\u1ea1m ph\u00e1t, bi\u1ebfn \u0111\u1ed9ng t\u1ef7 gi\u00e1 v\u00e0 chi ph\u00ed chuy\u1ec3n ti\u1ec1n cao \u0111\u00e3 th\u00fac \u0111\u1ea9y vi\u1ec7c \u00e1p d\u1ee5ng ch\u00fang. S\u1ef1 k\u1ebft&#8230;<\/p>\n","protected":false},"author":3,"featured_media":13769,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[9524,4225,4226,4218,4634,9425,4217,4827,4409,4314,4297,4756],"class_list":["post-13770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal","tag-berlin","tag-bitcoin","tag-coinbase","tag-ethereum","tag-kenya","tag-lagos","tag-legal","tag-nigeria","tag-tether","tag-tether-usdt","tag-tron","tag-usdc"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>T\u1eeb Nairobi \u0111\u1ebfn Lagos: C\u00e1ch ng\u01b0\u1eddi ch\u00e2u Phi s\u1eed d\u1ee5ng stablecoin \u0111\u1ec3 v\u01b0\u1ee3t qua l\u1ea1m ph\u00e1t - CryptoZen<\/title>\n<meta name=\"description\" content=\"Kh\u00e1m ph\u00e1 c\u00e1ch stablecoin \u0111ang bi\u1ebfn 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