Ta yaya ake tura kudi ta WhatsApp?

Yanzu haka an sake samun biyan kuɗin WhatsApp a Brazil, yayin da sabis ɗin taɗi na Facebook ya sake buɗe hanyar kusan shekara guda bayan ƙaddamar da shi a cikin ƙasar.

Shugaban Facebook, Mark Zuckerberg, ya fada a cikin wani faifan bidiyo cewa WhatsApp ya sake bude ayyukan hada-hadar kudi a Brazil, bayan da babban bankin kasar ya haramta shi kusan shekara guda da ta wuce.

Brazil ita ce hanya ta biyu da ta kaddamar da biyan kudin WhatsApp bayan da aka kaddamar da shi a Indiya 'yan watanni bayan haka, amma babban bankin kasar ya tilasta wa hukumar ta dakatar da aikin a watan Yunin 2020, 'yan kwanaki bayan kaddamar da shi a can, a cewar tashar Larabawa don labarai na fasaha.

A cikin watan Maris, babban bankin Brazil ya share hanyar yin hidimar don ba da damar aika kudi ta hanyar amfani da hanyoyin sadarwa na Visa da MasterCard, bayan yin la'akari da ko ya cika dukkan ka'idojin gasar, inganci da bayanan sirri.

Hakan na zuwa ne bayan da babban bankin kasar ya ce biyan kudin WhatsApp na iya cutar da tsarin biyan kudi na Brazil ta fuskar gasa da inganci da kuma bayanan sirri, inda ya ce ya kasa samun lasisin da ake bukata.

Da farko WhatsApp yayi kokarin kaucewa zama kamfanin hada-hadar kudi a Brazil kuma ya nemi lasisi ta hanyar dogaro da lasisin banki na Visa da MasterCard, amma ya fada cikin matsin lamba.

Babban bankin kula

Hukumar hada-hadar kudi ta kuma bukaci a sanya sunan katafaren kamfanin a matsayin wani kamfani na hada-hadar kudi a Brazil, lamarin da ya sa Facebook ya kirkiro wani sabon sashe mai suna Facebook Pagamentos do Brasil, wanda a halin yanzu babban bankin kasar ke karkashinsa.

Kodayake an sake buɗe fasalin a Brazil, ba zai kasance ga kowa ba tun daga farko.

Ƙayyadadden adadin masu amfani za su iya samun dama gare shi da farko, kuma suna da ikon gayyatar wasu mutane don amfani da fasalin.

Masu amfani da WhatsApp miliyan 120 a Brazil na iya aika wa juna har zuwa 5000 na Brazil ($ 918) a kowane wata kyauta.

Bugu da ƙari, ma'amala guda ɗaya tana da iyaka na R$1000 ($184), kuma masu amfani ba za su iya aiwatar da fiye da canja wurin 20 kowace rana ba.

Biyan Kasuwanci

WhatsApp na iya aiwatar da canja wurin tsara-zuwa-tsara a yanzu, amma tun farko ya gabatar da fasalin don taimakawa ƙananan yan kasuwa.

Kasuwancin gida a Brazil da Indiya suna amfani da app ɗin taɗi azaman farkon kasancewarsu akan layi, kuma fasalin biyan kuɗi ya kamata ya taimaka musu karɓar biyan kuɗi na dijital cikin sauƙi.

Facebook har yanzu yana tattaunawa da babban bankin kasar game da biyan diyya ga ‘yan kasuwa, kuma rahotanni sun ce kamfanin na sa ran kaddamar da tsarin a wani lokaci a wannan shekara, tare da kara sabon layin samun kudin shiga ga WhatsApp.

Jimlar biyan katin da aka biya a bara a Brazil ya kai biliyan 2 (dala biliyan 368.12), karuwar kashi 8.2 daga 2019.