बिटकॉइन और भारतीय रूपए की तुलना
- रूपए को भारतीय रिज़र्व बैंक (RBI) जारी करती है जबकि बिटकॉइन एक टेक्नोलॉजी है इसे ब्लॉक्चेन टेक्नोलॉजी है जिसे कंप्यूटर कोडिंग की मदद से बनाया गया है।
- रूपए की कीमत स्थायी रहती है जबकि बिटकॉइन की कीमत हर सेकेंड बदलती है।
- रूपए में कई मुद्राएं होती है जैसे 10, 20, 50, 100, 500, 2000 रूपए का नोट जबकि बिटकॉइन में ऐसा कुछ नहीं है।
- सबसे अहम् बात भारतीय रूपए, भारतीय रिज़र्व बैंक (RBI) द्वारा गॉरन्टीड होते हैं मतलब रिजर्व बैंक केवल उतने ही नोट छापती है जितने के उसके पास एसेट हैं जैसे – सोना, सरकारी बॉन्ड, विदेशी मुद्रा, अन्य सम्पत्तियाँ आदि जबकि बिटकॉइन में किसी की कोई गॅरंटी नहीं है न ही ये किसी एसेट जैसे – सोना, मुद्रा या किसी संम्पत्ति से बैक्ड है।
- रूपए एक सेंट्रलाइज्ड कर्रेंसी है जबकि बिटकॉइन एक डिसेंट्रलाइज्ड क्रिप्टो टेक्नोलॉजी है अर्थात रूपए में जिम्मेदारी रिजर्व बैंक (RBI) की है लेकिन बिटकॉइन में किसी की नहीं।
बिटकॉइन में रिस्क
#1
बिटकॉइन की संख्या सीमित है। कुल 2 करोड़ 10 लाख (21 मिलियन) की संख्या में बिटकॉइन मौजूद हैं। जिसमें से ये पोस्ट लिखने तक लगभग 1 करोड़ 9 लाख (19 मिलियन) बिटकॉइन खोजे जा चुकें हैं। जब सभी बिटकॉइन को खोज (mined) लिया जाएगा तब इनकी और सप्लाई नहीं की जा सकती। जिस कारण इसकी डिमांड बढ़ने से इसकी कीमत बढ़ेगी और डिमांड कम हो जाने पर इसकी कीमत घटेगी। बिटकॉइन में उतार चढ़ाव बहुत ज्यादा हो जाएगा।
जबकि रूपए की संख्या रिज़र्व बैंक के पास रखे एसेट्स के अनुसार तय की जाती है।
#2
यदि किसी व्यक्ति के पास एक 2000 रूपए का नोट है और किसी कारण से वह फट जाता है या कोई और क्षति हो जाती है तो वह व्यक्ति उस क्षतिग्रस्त 2000 रूपए के नोट को किसी बैंक में जाकर बदल सकता है। बैंक उसे फटे या क्षतिग्रस्त नोट के बदले उसे नया नोट देती है। बदले में कुछ सेवा शुल्क लेती है।
यदि रिज़र्व बैंक (RBI) यह पाती है की बैंक नोट सर्कुलेशन में तय मात्रा से कम हो गए हैं तो उतने नोट वह कुछ तय मानकों के अनुसार पुनः छापती है।
लेकिन बिटकॉइन में यदि किसी व्यक्ति का क्रप्टो वॉलेट लॉस या डैमेज हो जाता है तो उसके बदले उसकी क्षति पूर्ती कोई नहीं करता क्यूंकि बिटकॉइन के पीछे गारन्टी लेने वाला कोई नहीं है न ही ये किसी संस्था द्वारा रेगुलेटेड है। इसमें जो नुकसान हो गया वो स्थायी है।
#3
कुछ देर के लिए ये मान लिया जाय की एक बिटकॉइन की कीमत एक रूपए के बराबर है। विनोद के पास 10 बिटकॉइन है जबकि उसके भाई के पास 10 रूपए हैं।
कुछ देर के लिए ये माना जाए की दोनों बिटकॉइन और रूपए का अस्तित्व खत्म हो गया। तब इस स्थति में विनोद के भाई को रिज़र्व बैंक (RBI) 10 रूपए की कीमत के बराबर कोई एसेट जैसे सोना चांदी बांड या कोई अन्य संपत्ति देगी।
लेकिन विनोद को उन बिटकॉइन के बदले कहीं कुछ नहीं मिलेगा।
बिटकॉइन इसीलिए बहुत रिस्की है। इसमें केवल उतना ही इन्वेस्ट करें जितना आप रिस्क ले सकते हैं।
बिटकॉइन को एक एसेट की तरह देखें न की एक एसेट बैक्ड गॉरन्टीड कर्रेंसी की तरह जैसे – रूपए या डॉलर।
बिटकॉइन के फायदे
#1
बिटकॉइन में होने वाले ट्रांसक्शन को हर कोई देख सकता है। हालाँकि वो ट्रांसक्शन किसने किया है ये पता नहीं चलता है।
#2
कालेधन की संभावना बिलकुल नहीं रहती है।
#3
बिटकॉइन ग्लोबल क्रिप्टो टेक्नोलॉजी एसेट है।
यदि किसी भी प्रकार का कोई प्रश्न या सुझाव हो तो नीचे कमेंट सेक्शन में लिखें।
Also read : नए निवेशक अपने पहले 1000 रूपए शेयर बाजार में कैसे निवेश करें?
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