CBDC ni ifaranga ry’ikoranabuhanga ritangwa na banki nkuru z’ibihugu, rigakora kimwe nk’amafaranga asanzwe afatika nk’inoti n’ibiceri, icyakora ryo rikaba rifite udushya dutandukanye nko kuba ryakora ahatari murandasi n’ibindi.

Ubwo yagezaga ku Nteko Ishinga Amategeko imitwe yombi, Raporo y’Ibikorwa bya Banki Nkuru y’u Rwanda by’umwaka wa 2024/25 ku wa 01 Ukuboza 2025, Guverineri wa Banki Nkuru y’u Rwanda Soraya Hakuziyaremye, yavuze ko  hatagize igihinduka CBDC yatangira gukoreshwa mu baturage mu 2026.

Yagaragaje ko igice gikurikiyeho ari ukugerageza ifaranga koranabuhanga mu bacuruzi bake no mu baturage, nyuma y’ibyavuye mu igerageza rya mbere, igisigaye bikaba ari ukuganira n’abafatanyabikorwa kugira ngo hanozwe raporo izavamo imyanzuro yo gutangira iryo gerageza rishya.

Yagize ati "Duteganya ko twabikora umwaka utaha; ni ukuvuga kugerageza iryo faranga koranabuhanga noneho rikoresheje abaturage n’abacuruzi bake kuko ubu iri gerageza ryari ku bakozi bake ba BNR.”

Yakomeje agaragaza ko byagaragaye ko ifaranga korabanabuhanga rifite byinshi rishobora gufasha harimo kwihutisha kwishyurana, gukoresha tekinoloji mu buryo budateza ibibazo n’ibindi.

Yongeyeho ko ikiri mu bizigwaho umwaka utaha ari ukureba ko iryo faranga ryakorana n’ibindi bihugu bisanzwe bihahirana n’u Rwanda.

Yagize ati: “Icyo tutaragerageza ni ukureba niba dushobora kohereza iryo faranga koranabuhanga gukorana n’ibindi bihugu. Ese dushobora kohererezanya  n’ibihugu dusanzwe duhahahirana ntihagire ikibazo kibamo? Cyane cyane tubona ko ikizanafasha mu gukoresha CBDC ari ukureba niba yagabanya igiciro cyo kohereza amafaranga mu buryo bwambukiranya imipaka.”

Mu 2023 ni bwo BNR yatangiye inyigo yo kureba uburyo mu Rwanda hatangira gukoreshwa ifaranga ry’ikoranabuhanga rigenzurwa na BNR, aho inyigo y’ibanze yari igamije kureba icyo iryo faranga ryamarira Abanyarwanda, uko ryakoreshwa bigendanye n’ubundi buryo busanzwe mu Rwanda nk’amabanki cyangwa Mobile Money.

CBDC yitezweho ko izinjizwa mu mikorere y’Ifaranga ry’u Rwanda aho umuntu ashobora kuba afite amafaranga kuri konti agasaba ikigo bakorana ko kiyamuha mu mafaranga y’ikoranabuhanga akaba yayahabwa.

Umuntu ashobora no guhitamo ko bayamuha mu madolari cyangwa akagira konti zitandukanye zijyaho amafaranga ya CBDC cyangwa asanzwe.