ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ ꯑꯃꯁꯨꯡ ꯁ꯭ꯇꯦꯕꯜꯀꯣꯏꯟ, ꯂꯥꯏꯅ
ꯀ꯭ꯔꯤꯄ꯭ꯇꯣꯀꯔꯦꯟꯁꯤ ꯑꯁꯤ ꯑꯃ ꯗꯤꯖꯤꯇꯦꯜ ꯇꯣꯀꯦꯟ ꯑꯣꯏ ꯃꯁꯤꯒꯤ ꯃꯄꯨ ꯑꯣꯏꯕ ꯑꯁꯤ ꯕꯦꯡꯛ ꯑꯃꯒꯤ ꯑꯄꯨꯟꯕ ꯗꯦꯇꯥꯕꯦꯖꯗ ꯅꯠꯇꯦ, ꯑꯗꯨꯕꯨ ꯄꯤꯄꯜꯄ ꯄꯥꯕ ꯉꯝꯕ ꯂꯦꯖꯔ (ꯕ꯭ꯂꯀꯆꯦꯏꯟ) ꯑꯃꯗꯅꯤ। ꯁ꯭ꯇꯦꯕꯜꯀꯣꯏꯟ ꯑꯁꯤ ꯑꯗꯨꯃꯛ ꯃꯃꯜ ꯆꯞ ꯆꯥꯅ ꯊꯝꯅꯕ ꯍꯣꯠꯅꯕ ꯀ꯭ꯔꯤꯄ꯭ꯇꯣꯀꯔꯦꯟꯁꯤꯅꯤ — ꯑꯍꯦꯅꯕꯃꯛꯇ 1 US ꯗꯂꯔ (USDC, USDT) ꯒ — ꯃꯔꯝꯗꯤ ꯏꯁꯨ ꯇꯧꯕ ꯇꯣꯀꯦꯟ ꯈꯨꯗꯤꯡꯒꯤ ꯃꯇꯨꯡ ꯏꯟꯅ ꯑꯆꯨꯝꯕ ꯔꯤꯖꯔꯚ ꯊꯝꯃꯤ।
ꯐꯥꯎꯟꯗꯔ ꯑꯃꯒꯤꯗꯃꯛ ꯑꯆꯨꯝꯕ ꯈꯦꯠꯅꯕꯗꯤ 'ꯀꯣꯏꯟ ꯅꯇ꯭ꯔꯒ ꯇꯣꯀꯦꯟ' ꯅꯠꯇꯦ, ꯃꯗꯨꯗꯤ 'ꯚꯣꯂꯦꯇꯥꯏꯜ ꯅꯇ꯭ꯔꯒ ꯁ꯭ꯇꯦꯕꯜ' ꯑꯃꯗꯤ 'ꯀꯁ꯭ꯇꯣꯗꯤꯌꯦꯜ ꯅꯇ꯭ꯔꯒ ꯁꯦꯜꯐ-ꯀꯁ꯭ꯇꯗꯤ'꯫ ꯚꯣꯂꯦꯇꯥꯏꯜ ꯑꯦꯁꯦꯠ (BTC, ETH) ꯃꯃꯜꯗ ꯌꯥꯝꯅ ꯍꯣꯡꯏ। ꯁ꯭ꯇꯦꯕꯜꯀꯣꯏꯟ ꯍꯣꯡꯗꯦ, ꯃꯔꯝꯅ ꯃꯁꯤꯕꯨ ꯄꯦꯃꯦꯟꯇ ꯔꯦꯜ ꯑꯣꯏꯅ ꯁꯤꯖꯤꯟꯅꯕ ꯌꯥꯏ। ꯀꯁ꯭ꯇꯣꯗꯤꯌꯦꯜ ꯍꯥꯏꯕꯗꯤ ꯑꯦꯛꯁꯆꯦꯟꯖꯅ ꯑꯗꯣꯝꯒꯤ ꯀꯤ ꯊꯝꯃꯤ। ꯁꯦꯜꯐ-ꯀꯁ꯭ꯇꯗꯤ ꯍꯥꯏꯕꯗꯤ ꯑꯗꯣꯝꯅ ꯊꯝꯃꯤ — ꯁꯤꯗ ꯐ꯭ꯔꯦꯖ ꯃꯥꯡꯈ꯭ꯔꯕꯗꯤ ꯄꯨꯝꯕ ꯃꯥꯡꯈ꯭ꯔꯦ।
ꯏꯟꯗꯤꯌꯥꯗ ꯂꯦꯒꯦꯜ ꯁ꯭ꯇꯦꯇꯁ
ꯏꯟꯗꯤꯌꯥꯗ ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ ꯕꯦꯟ ꯇꯧꯕ ꯅꯠꯇꯦ। ꯃꯁꯤ ꯂꯤꯒꯦꯜ ꯇꯦꯟꯗꯔ ꯑꯣꯏꯗꯦ। ꯑꯗꯣꯝꯅ Virtual Digital Assets (VDA) ꯑꯥꯏꯅ ꯆꯨꯝꯅ ꯂꯩꯕ, ꯌꯣꯟꯕ, ꯊꯝꯕ, ꯑꯃꯁꯨꯡ ꯇ꯭ꯔꯥꯟꯁꯐꯔ ꯇꯧꯕ ꯌꯥꯏ। ꯑꯗꯨꯕꯨ ꯔꯨꯄꯤ ꯃꯄꯥꯡꯗ ꯗꯦꯕꯠ ꯀ꯭ꯂꯤꯌꯔ ꯇꯧꯕꯗꯤ ꯌꯥꯗꯦ।
ꯃꯔꯨꯑꯣꯏꯕ ꯇꯥꯏꯃꯂꯥꯏꯟꯗꯤ:
- 2018 — RBI ꯒꯤ ꯁꯔꯀꯨꯂꯥꯔꯅ ꯕꯦꯡꯛꯁꯤꯡꯗ ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ ꯕꯤꯖꯤꯅꯦꯁꯁꯤꯡꯗ ꯁꯔꯚꯤꯁ ꯄꯤꯔꯣꯏꯗꯕ ꯍꯥꯌꯈꯤ।
- ꯃꯥꯔꯆ 2020 — ꯁꯨꯄ꯭ꯔꯤꯝ ꯀꯣꯔꯇꯅ Internet and Mobile Association of India v. RBI ꯀꯦꯖꯗ ꯁꯔꯀꯨꯂꯥꯔ ꯑꯗꯨ ꯃꯥꯡꯍꯟꯈꯤ। ꯕꯦꯡꯛꯒꯤ ꯑꯦꯛꯁꯦꯁ ꯍꯟꯅ ꯐꯪꯈꯤ।
- 2022 — ꯐꯥꯏꯅꯦꯟꯁ ꯑꯦꯛꯇꯅ Virtual Digital Asset ꯀꯨꯏꯄ꯭ꯂꯤ ꯆꯥꯑꯣꯊꯣꯛꯈꯤ, ꯑꯃꯁꯨꯡ ꯒꯦꯏꯟꯁꯤꯡꯗ 30% ꯇꯦꯛꯁ ꯄꯤꯅꯕ ꯆꯠꯄ ꯍꯧꯈꯤ।
- ꯃꯥꯔꯆ 2023 — ꯀ꯭ꯔꯤꯄ꯭ꯇꯣꯕꯨ Prevention of Money Laundering Act (PMLA) ꯀꯤ ꯃꯈꯥꯗ ꯄꯨꯔꯛꯈꯤ। ꯑꯦꯛꯁꯆꯦꯟꯖ ꯑꯃꯁꯨꯡ ꯀꯁ꯭ꯇꯣꯗꯤꯌꯅꯁꯤꯡ Reporting Entities ꯑꯣꯏꯔꯦ।
- ꯃꯥꯔꯆ 2023 ꯗꯒꯤ — ꯏꯟꯗꯤꯌꯥꯒꯤ ꯌꯨꯖꯔꯁꯤꯡꯗ ꯑꯦꯛꯁꯆꯦꯟꯖ, ꯀꯁ꯭ꯇꯗꯤ, ꯇ꯭ꯔꯥꯟꯁꯐꯔ, ꯏꯁꯨꯑꯦꯟꯁ ꯄꯤꯕꯗ FIU-IND ꯔꯦꯖꯤꯁ꯭ꯇ꯭ꯔꯦꯁꯟ ꯃꯊꯧ ꯇꯥꯏ।
ꯍꯧꯖꯤꯛ ꯐꯥꯑꯣꯕ ꯑꯆꯨꯝꯕ ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ ꯑꯥꯏꯟ ꯑꯃꯠꯇ ꯂꯩꯇ꯭ꯔꯤ। ꯄꯨꯝꯅꯃꯛ Income Tax Act, PMLA, FEMA, Consumer Protection Act ꯀꯤ ꯃꯈꯥꯗ ꯆꯠꯂꯤ। ꯃꯍꯦꯏ ꯑꯥꯏꯟ ꯂꯩꯇꯕ ꯑꯁꯤ ꯑꯌꯥꯕ ꯅꯠꯇꯦ, ꯔꯤꯁ꯭ꯀꯅꯤ।
ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ ꯀꯔꯝꯅ ꯐꯪꯒꯅꯤ ꯑꯃꯁꯨꯡ ꯌꯨꯖꯔꯗ ꯀꯔꯝꯅ ꯂꯒꯏꯟ ꯇꯧꯍꯟꯒꯅꯤ
ꯏꯟꯗꯤꯌꯥꯒꯤ ꯔꯦꯖꯤꯗꯦꯟꯇꯁꯤꯡꯅ VDA ꯑꯥꯏꯟ ꯆꯨꯝꯅ ꯂꯩꯕ, ꯌꯣꯟꯕ, ꯊꯝꯕ ꯌꯥꯏ ꯃꯈꯣꯏꯅ PMLA ꯀꯤ ꯃꯈꯥꯗ Reporting Entity ꯑꯣꯏꯅ FIU-IND ꯒ ꯔꯦꯖꯤꯁ꯭ꯇꯔ ꯇꯧꯕ ꯄ꯭ꯂꯦꯇꯐꯣꯔꯃꯁꯤꯡꯗꯒꯤ। ꯃꯃꯤꯡ ꯆꯠꯄ ꯏꯟꯗꯤꯌꯥꯒꯤ ꯑꯦꯛꯁꯆꯦꯟꯖ ꯑꯅꯤꯗꯤ CoinDCX ꯑꯃꯁꯨꯡ WazirX ꯅꯤ।
FIU-IND reporting-entity ꯔꯦꯖꯤꯁ꯭ꯇ꯭ꯔꯦꯁꯟꯒ ꯏꯟꯗꯤꯌꯥꯒꯤ ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ ꯑꯦꯛꯁꯆꯦꯟꯖ।
FIU-IND reporting-entity ꯔꯦꯖꯤꯁ꯭ꯇ꯭ꯔꯦꯁꯟꯒ ꯏꯟꯗꯤꯌꯥꯒꯤ ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ ꯑꯦꯛꯁꯆꯦꯟꯖ।
ꯔꯦꯖꯤꯁ꯭ꯇ꯭ꯔꯦꯁꯟꯒꯤ ꯁ꯭ꯇꯦꯇꯁ ꯍꯣꯡꯕ ꯌꯥꯏ, ꯑꯃꯁꯨꯡ ꯔꯦꯖꯤꯁ꯭ꯇꯔ ꯇꯧꯕ ꯑꯦꯟꯇꯤꯇꯤꯒꯤ ꯑꯐꯤꯁꯤꯑꯦꯜ ꯂꯤꯁ꯭ꯇ Financial Intelligence Unit-India ꯅ ꯄꯕ꯭ꯂꯤꯁ ꯇꯧꯏ। ꯁꯦꯜ ꯄꯤꯗ꯭ꯔꯤꯉꯩꯗ FIU-IND ꯄꯣꯔꯇꯦꯂꯗ ꯍꯧꯖꯤꯛꯀꯤ ꯁ꯭ꯇꯦꯇꯁ ꯚꯦꯔꯤꯐꯥꯏ ꯇꯧꯔꯨ।
ꯐꯤꯑꯦꯠ ꯑꯟ-ꯔꯦꯝꯄ
ꯐꯤꯑꯦꯠ ꯑꯟ-ꯔꯦꯝꯄꯅ ꯌꯨꯖꯔꯁꯤꯡꯗ ꯃꯃꯨꯡ ꯑꯣꯏꯕ ꯁꯦꯂꯒ (INR, UPI, ꯀꯥꯔꯗ, ꯕꯦꯡꯛ ꯇ꯭ꯔꯥꯟꯁꯐꯔ) ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ ꯂꯩꯕ ꯌꯥꯍꯟꯏ। ꯒ꯭ꯂꯣꯕꯦꯜ ꯄ꯭ꯔꯣꯗꯛꯇꯀꯤꯗꯃꯛ Ramp ꯑꯁꯤ KYC, ꯄꯦꯃꯦꯟꯇ ꯃꯦꯊꯗ ꯑꯃꯁꯨꯡ ꯇꯣꯀꯦꯟ ꯗꯦꯂꯤꯚꯔꯤ ꯌꯥꯑꯣꯕ ꯄꯣꯄꯨꯂꯔ ꯑꯦꯝꯕꯦꯗꯦꯕꯜ ꯋꯤꯖꯦꯠꯅꯤ। ꯃꯁꯤ ꯏꯟꯗꯤꯌꯥꯒꯤ ꯑꯦꯛꯁꯆꯦꯟꯖ ꯅꯠꯇꯦ, ꯏꯟꯐ꯭ꯔꯥꯁ꯭ꯇ꯭ꯔꯛꯆꯔꯅꯤ। ꯑꯗꯣꯝꯒꯤ ꯌꯨꯖꯔꯁꯤꯡ ꯏꯟꯗꯤꯌꯥꯒꯤ ꯔꯦꯖꯤꯗꯦꯟꯇꯁꯤꯡ ꯑꯣꯏꯔꯒ INR ꯗ ꯄꯦꯏ ꯇꯧꯔꯒꯗꯤ, Ramp ꯕꯨ FIU-IND ꯗ ꯔꯦꯖꯤꯁ꯭ꯇꯔ ꯇꯧꯕ ꯑꯦꯛꯁꯆꯦꯟꯖ ꯅꯇ꯭ꯔꯒ ꯑꯐ-ꯔꯦꯝꯄꯒ ꯄꯦꯌꯔ ꯇꯧꯅꯕꯤꯌꯨ।
ꯋꯦꯂꯦꯠ ꯑꯃꯁꯨꯡ ꯁꯣꯁꯤꯌꯦꯜ ꯂꯒꯏꯟ
Web3 ꯒꯤ ꯈ꯭ꯋꯥꯏꯗꯒꯤ ꯆꯥꯑꯣꯕ ꯑꯟꯕꯣꯔꯗꯤꯡ ꯗ꯭ꯔꯄ-ꯑꯐꯗꯤ ꯋꯦꯂꯦꯠꯅꯤ। ꯑꯌꯥꯝꯕ ꯌꯨꯖꯔꯁꯤꯡꯅ ꯕ꯭ꯔꯥꯎꯖꯔ ꯑꯦꯛꯁꯇꯦꯟꯁꯟ ꯏꯟꯁ꯭ꯇꯣꯜ ꯇꯧꯕ, ꯁꯤꯗ ꯐ꯭ꯔꯦꯖ ꯀꯄꯤ ꯇꯧꯕ, ꯅꯇ꯭ꯔꯒ ꯃꯈꯣꯏꯗ ꯂꯩꯇꯕ ꯇꯣꯀꯦꯟꯗ ꯒꯦꯁ ꯐꯤ ꯄꯤꯕ ꯄꯥꯝꯗꯦ। Privy ꯅ ꯐ꯭ꯔꯤꯛꯁꯟ ꯑꯁꯤ ꯃꯥꯡꯍꯟꯏ — ꯌꯨꯖꯔꯁꯤꯡꯅ Google, ꯏꯃꯦꯏꯜ, Twitter ꯅꯇ꯭ꯔꯒ ꯑꯇꯣꯞꯄ ꯁꯣꯁꯤꯌꯦꯜ ꯑꯦꯀꯥꯎꯟꯇꯗꯒꯤ ꯁꯥꯏꯟ ꯏꯟ ꯇꯧꯕꯗ ꯑꯦꯝꯕꯦꯗꯦꯗ ꯋꯦꯂꯦꯠ ꯐꯪꯏ। ꯑꯗꯣꯝꯅ ꯇ꯭ꯔꯥꯟꯁꯦꯛꯁꯟꯁꯤꯡ ꯁ꯭ꯄꯣꯟꯁꯔ ꯇꯧꯕ ꯌꯥꯏ ꯃꯔꯝꯅ ꯌꯨꯖꯔꯁꯤꯡꯅ ꯒꯦꯁ ꯐꯤ ꯎꯗꯦ।
ꯇꯦꯛꯁ: 30% + 1% ꯀꯤ ꯑꯆꯨꯝꯕ
ꯃꯁꯤꯗ ꯑꯌꯥꯝꯕ ꯐꯥꯎꯟꯗꯔꯅ ꯑꯁꯣꯏꯕ ꯇꯧꯏ। VDA ꯇ꯭ꯔꯥꯟꯁꯦꯛꯁꯟ ꯈꯨꯗꯤꯡꯒꯤ ꯒꯦꯏꯟꯗ ꯇꯦꯛꯁ, ꯑꯃꯁꯨꯡ ꯇ꯭ꯔꯥꯟꯁꯐꯔ ꯈꯨꯗꯤꯡꯒꯤ ꯚꯦꯂꯨꯗ TDS।
| ꯀꯔꯤ | ꯑꯥꯏꯟ | ꯁꯦꯛꯁꯟ |
|---|---|---|
| ꯒꯦꯏꯟꯗ ꯇꯦꯛꯁ | ꯀꯔꯤꯒꯨꯝꯕ VDA ꯒꯦꯏꯟꯗ ꯐ꯭ꯂꯦꯠ 30% + ꯁꯔꯆꯥꯔꯖ + ꯁꯦꯁ। ꯁ꯭ꯂꯦꯕ ꯂꯩꯇꯦ। | 115BBH |
| ꯂꯣꯁ ꯁꯦꯠ-ꯑꯐ | VDA ꯂꯣꯁ ꯑꯇꯣꯞꯄ ꯏꯅꯀꯝꯒ ꯁꯦꯠ-ꯑꯐ ꯇꯧꯕ ꯌꯥꯗꯦ, ꯑꯃꯁꯨꯡ ꯀꯦꯔꯤ ꯐꯣꯔꯋꯥꯔꯗ ꯇꯧꯗꯦ। | 115BBH(2) |
| ꯇ꯭ꯔꯥꯟꯁꯐꯔꯗ TDS | ₹10,000 (ꯑꯇꯣꯞꯄ ꯀꯦꯖꯗ ₹50,000) ꯒꯤ ꯃꯊꯛꯇ ꯁꯦꯜ ꯚꯦꯂꯨꯗ 1% TDS, ꯂꯩꯕ ꯅꯇ꯭ꯔꯒ ꯑꯦꯛꯁꯆꯦꯟꯖꯅ ꯀꯠꯏ। | 194S |
| ꯄꯨꯅ꯭ꯒꯤ ꯆꯥꯗꯤꯡ | ꯂꯩꯕꯒꯤ ꯃꯃꯜ ꯈꯛꯇꯗ ꯀꯠꯄ ꯌꯥꯏ। ꯃꯥꯏꯅꯤꯡ ꯆꯥꯗꯤꯡ, ꯏꯟꯐ꯭ꯔꯥ, ꯁꯦꯂꯦꯔꯤ ꯀꯠꯇꯕ। | 115BBH(1) |
| VDA ꯒꯤꯐꯠ | ꯐꯪꯕꯒꯤ ꯏꯅꯀꯝꯗ ꯑꯇꯣꯞꯄ ꯃꯐꯝꯗꯒꯤ ꯐꯪꯕ ꯏꯅꯀꯝ ꯑꯣꯏꯅ ꯇꯦꯛꯁ ꯇꯥꯏ। | 56(2)(x) |
| ꯔꯤꯄꯣꯔꯇꯤꯡ | ITR-ꯒꯤ Schedule VDA ꯗ ꯐꯣꯡꯗꯣꯛꯄ। ꯐꯣꯔꯦꯅ VDA Schedule FA ꯗ ꯁꯨ। | ITR schedules |
FEMA, LRS ꯑꯃꯁꯨꯡ ꯀ꯭ꯔꯣꯁ-ꯕꯣꯔꯗꯔ ꯄꯦꯃꯦꯟꯇ
ꯑꯗꯣꯝꯅ ꯏꯟꯗꯤꯌꯥꯒꯤ ꯃꯄꯥꯟꯗ ꯀꯁ꯭ꯇꯃꯔꯗ ꯌꯣꯟꯕ, USDC ꯗ ꯄꯦꯏ ꯐꯪꯕ, ꯅꯇ꯭ꯔꯒ ꯐꯣꯔꯦꯅ ꯀꯟꯇ꯭ꯔꯦꯛꯇꯔ ꯑꯃꯗ USDT ꯅ ꯄꯦꯏ ꯄꯤꯔꯕꯗꯤ, ꯑꯗꯣꯝ FEMA ꯀꯤ ꯃꯈꯥꯗ ꯂꯩ। FEMA ꯅ ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ ꯆꯨꯝꯅ ꯋꯥ ꯉꯥꯡꯗꯦ, ꯃꯔꯝꯅ ꯔꯦꯃꯤꯇꯦꯟꯁ ꯈꯨꯗꯤꯡ ꯍꯧꯖꯤꯛ ꯂꯩꯔꯤꯕ ꯑꯥꯏꯟꯒ ꯆꯨꯅꯕ ꯇꯥꯏ — ꯃꯃꯨꯡꯅ Liberalised Remittance Scheme (LRS), ꯍꯧꯖꯤꯛ ꯑꯃ ꯔꯦꯖꯤꯗꯦꯟꯇ ꯑꯃ ꯐꯤꯅꯦꯟꯁꯤꯑꯦꯜ ꯏꯌꯔ ꯑꯃꯗ USD 250,000, ꯑꯃꯁꯨꯡ ₹7 ꯂꯥꯈ ꯒꯤ ꯃꯊꯛꯇ 20% TCS।
- ꯃꯄꯥꯟꯗ ꯄꯤꯔꯛꯄ ꯁꯔꯚꯤꯁꯒꯤꯗꯃꯛ ꯁ꯭ꯇꯦꯕꯜꯀꯣꯏꯟ ꯐꯪꯕ: ꯃꯁꯤꯕꯨ ꯑꯦꯛꯁꯄꯣꯔꯇ ꯏꯑꯥꯔꯅꯤꯡ ꯑꯣꯏꯅ ꯂꯧ। ꯀꯝꯄ꯭ꯂꯥꯏꯑꯦꯟꯇ ꯑꯟ-ꯔꯦꯝꯄꯗꯒꯤ INR ꯗ ꯀꯟꯚꯔꯠ ꯇꯧꯔꯨ, ꯌꯥꯕꯃꯈꯩ FIRC/FIRA ꯂꯧ, USD ꯗ ꯏꯅꯚꯣꯏꯁ, INR ꯗ ꯕꯨꯛ।
- ꯐꯣꯔꯦꯅ ꯀꯟꯇ꯭ꯔꯦꯛꯇꯔꯒꯤꯗꯃꯛ ꯁ꯭ꯇꯦꯕꯜꯀꯣꯏꯟꯗ ꯄꯦꯏ: ꯁ꯭ꯇꯦꯕꯜꯀꯣꯏꯟ ꯂꯩꯕꯗ ꯁꯤꯖꯤꯟꯅꯕ INR ꯚꯦꯂꯨꯗ LRS ꯂꯤꯃꯤꯠ ꯑꯃꯁꯨꯡ TCS ꯍꯧꯖꯤꯛꯁꯨ ꯆꯠꯂꯤ।
- ꯑꯅꯔꯦꯖꯤꯁ꯭ꯇꯔ ꯆꯦꯅꯦꯂꯗꯒꯤ P2P USDT ꯇ꯭ꯔꯦꯗꯗꯤ ꯇꯦꯛꯁ ꯑꯃꯁꯨꯡ ꯑꯦꯅꯐꯣꯔꯁꯃꯦꯟꯇ ꯑꯦꯖꯦꯟꯁꯤꯒꯤ ꯈ꯭ꯋꯥꯏꯗꯒꯤ ꯆꯥꯑꯣꯕ ꯔꯦꯗꯥꯔꯗꯅꯤ। ꯇꯧꯒꯅꯨ।
ꯇꯧꯒꯗꯕ — ꯀꯔꯤ ꯁꯦꯝꯒꯠꯄ ꯌꯥꯏ
- ꯑꯗꯣꯝꯅ ꯏꯟꯗꯤꯌꯥꯒꯤ ꯌꯨꯖꯔꯒꯤꯗꯃꯛ ꯑꯦꯛꯁꯆꯦꯟꯖ, wallet-as-a-service, ꯀꯁ꯭ꯇꯗꯤ ꯅꯇ꯭ꯔꯒ ꯇꯣꯀꯦꯟ ꯏꯁꯨꯑꯦꯟꯁ ꯆꯂꯥꯏꯔꯕꯗꯤ, FIU-IND ꯒ ꯔꯦꯖꯤꯁ꯭ꯇꯔ ꯇꯧꯔꯨ।
- ꯌꯨꯖꯔ ꯈꯨꯗꯤꯡꯒꯤ KYC ꯇꯧꯔꯨ। AML ꯆꯦꯛꯁ। ꯃꯊꯧ ꯇꯥꯔꯛꯄꯗ Suspicious Transaction Reports। PMLA-ꯅ ꯇꯥꯛꯄ ꯃꯇꯝ ꯐꯥꯑꯣꯕ ꯔꯦꯀꯣꯔꯗ ꯊꯝꯃꯨ।
- INR ꯗ ꯏꯅꯚꯣꯏꯁ ꯇꯧꯔꯨ, ꯁ꯭ꯇꯦꯕꯜꯀꯣꯏꯟ ꯐꯪꯕꯁꯤꯡ ꯅꯨꯃꯤꯠ ꯑꯗꯨꯒꯤ RBI ꯔꯦꯐꯔꯦꯟꯁ ꯔꯦꯠꯇ ꯐꯤꯛꯁ ꯇꯧꯔꯨ, ꯑꯃꯁꯨꯡ ꯑꯆꯨꯝꯕ ꯕꯨꯛ ꯊꯝꯃꯨ।
- FIU-IND ꯅ ꯔꯦꯖꯤꯁ꯭ꯇꯔ ꯇꯧꯕ ꯑꯟ-ꯔꯦꯝꯄ ꯑꯃꯁꯨꯡ ꯑꯐ-ꯔꯦꯝꯄꯈꯛꯇꯗ CoinDCX, WazirX, Mudrex, Bitbns ꯑꯁꯤꯅꯆꯤꯡꯕ ꯁꯤꯖꯤꯟꯅꯕꯤꯌꯨ। ꯁꯦꯜ ꯄꯤꯗ꯭ꯔꯤꯉꯩꯗ ꯍꯧꯖꯤꯛꯀꯤ ꯔꯦꯖꯤꯁ꯭ꯇ꯭ꯔꯦꯁꯟ ꯁ꯭ꯇꯦꯇꯁ ꯆꯦꯛ ꯇꯧꯔꯨ।
- Privy ꯒꯨꯝꯕ ꯋꯦꯂꯦꯠ ꯏꯟꯐ꯭ꯔꯥꯁ꯭ꯇ꯭ꯔꯛꯆꯔ ꯑꯃꯁꯨꯡ Ramp ꯒꯨꯝꯕ fiat ꯑꯟ-ꯔꯦꯝꯄ ꯁꯤꯖꯤꯟꯅꯗꯨꯅ ꯌꯨꯖꯔ ꯐ꯭ꯔꯤꯛꯁꯟ ꯍꯟꯊꯍꯟꯕꯤꯌꯨ, ꯑꯗꯨꯕꯨ ꯃꯈꯣꯏꯕꯨ ꯏꯟꯗꯤꯌꯥꯒꯤ KYC, PMLA, FEMA ꯒꯤ ꯗꯥꯌꯤꯠꯕ ꯃꯥꯡꯍꯟꯅꯕꯒꯤꯗꯃꯛ ꯁꯤꯖꯤꯟꯅꯒꯅꯨ।
- 194S ꯀꯤ ꯃꯈꯥꯗ 1% TDS ꯀꯠꯄ ꯑꯃꯁꯨꯡ ꯖꯃꯥ ꯇꯧꯔꯨ। Form 26QE ꯀ꯭ꯋꯥꯔꯇꯦꯔꯂꯤ ꯐꯤꯜ ꯇꯧꯔꯨ।
- ꯇꯣꯀꯦꯟꯅꯥꯏꯖꯗ ꯄ꯭ꯔꯣꯗꯛꯇ ꯑꯃ ꯂꯟꯆ ꯇꯧꯗ꯭ꯔꯤꯉꯩꯗ CA ꯒꯤ ꯏꯕ ꯑꯣꯄꯤꯅꯤꯌꯟ ꯂꯧꯔꯨ।
- ꯌꯨꯇꯤꯂꯤꯇꯤ ꯁꯦꯝꯃꯨ, ꯏꯂ꯭ꯗ ꯅꯠꯇꯦ। ꯑꯆꯨꯝꯕ ꯄ꯭ꯔꯣꯗꯛꯇꯀ ꯆꯦꯅꯕ ꯌꯨꯇꯤꯂꯤꯇꯤ ꯇꯣꯀꯦꯟꯅ ꯑꯥꯏꯅꯒꯤ ꯑꯍꯣꯡꯕ ꯍꯦꯅ ꯀꯅꯅ ꯀꯨꯝꯖꯏ।
ꯇꯧꯒꯅꯨ — ꯑꯗꯣꯝꯕꯨ ꯋꯥꯊꯣꯛꯂꯛꯀꯅꯤ
- ꯔꯦꯖꯤꯁ꯭ꯇꯔ ꯇꯧꯕ ꯑꯦꯛꯁꯆꯦꯟꯖꯀꯤ ꯃꯄꯥꯟꯗ INR/ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ ꯇ꯭ꯔꯦꯗꯤꯡ ꯄꯦꯌꯔ ꯆꯂꯥꯏꯒꯅꯨ।
- ꯕꯦꯡꯛꯒꯤ ꯔꯦꯂꯗ ꯀ꯭ꯔꯤꯄ꯭ꯇꯣꯅ B2B ꯏꯅꯚꯣꯏꯁ ꯁꯦꯇꯜ ꯇꯧꯒꯅꯨ — ꯕꯦꯡꯛꯁꯤꯡꯕꯨ ꯃꯁꯤ ꯐ꯭ꯂꯦꯒ ꯇꯧꯅꯕ ꯍꯥꯌꯔꯦ।
- ꯀꯔꯤꯒꯨꯝꯕ ꯇꯣꯀꯦꯟꯗ 'ꯔꯤꯇꯔ꯭ꯅ', 'ꯏꯂ꯭ꯗ', 'ꯄꯦꯁꯤꯚ ꯏꯅꯀꯝ' ꯅꯇ꯭ꯔꯒ 'ꯒꯦꯔꯦꯟꯇꯤꯗ ꯃꯨꯅꯥꯐꯥ' ꯋꯥꯁꯛꯀꯅꯨ। ꯃꯁꯤꯅ ꯗꯤꯄꯣꯖꯤꯠ-ꯇꯦꯀꯤꯡ ꯑꯃꯁꯨꯡ ꯁꯦꯛꯌꯨꯔꯤꯇꯤꯖ ꯅꯤꯌꯃꯅꯗ ꯆꯪꯍꯜꯂꯤ।
- ꯏꯟꯗꯤꯌꯥꯒꯤ ꯔꯦꯖꯤꯗꯦꯟꯇꯗ ꯑꯅꯔꯦꯖꯤꯁ꯭ꯇꯔ ꯇꯣꯀꯦꯟ ꯁꯦꯜ (ICO/IDO) ꯇꯧꯒꯅꯨ। ICO ꯐ꯭ꯔꯦꯃꯋꯥꯔꯛ ꯂꯩꯇꯦ — 'ꯅꯤꯌꯃꯅꯗ ꯂꯩꯇꯦ' ꯍꯥꯏꯕꯗꯤ 'ꯑꯌꯥꯕ' ꯍꯥꯏꯕ ꯅꯠꯇꯦ, 'ꯍꯥꯡꯗꯣꯛꯅ' ꯍꯥꯌꯅꯤ।
- ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ ꯂꯣꯁꯕꯨ ꯑꯗꯣꯝꯒꯤ ꯁꯦꯂꯦꯔꯤ, ꯐ꯭ꯔꯤꯂꯥꯟꯁ ꯏꯅꯀꯝ ꯅꯇ꯭ꯔꯒ ꯑꯇꯣꯞꯄ ꯍꯦꯗꯗꯒꯤ ꯁꯦꯠ-ꯑꯐ ꯇꯧꯒꯅꯨ।
- KYC ꯂꯤꯃꯤꯠꯀꯤ ꯃꯊꯛꯇ ꯑꯦꯅꯅꯤꯃꯁ ꯄꯦꯏꯃꯦꯟꯇ ꯂꯧꯒꯅꯨ।
- ꯐꯣꯔꯦꯅ ꯏꯅꯀꯣꯔꯄꯣꯔꯦꯁꯅ ꯑꯗꯣꯝꯕꯨ ꯀꯅꯒꯅꯤ ꯍꯥꯏꯅ ꯋꯥꯈꯜꯂꯒꯅꯨ। ꯑꯗꯣꯝꯒꯤ ꯌꯨꯖꯔꯁꯤꯡ ꯏꯟꯗꯤꯌꯥꯒꯤ ꯔꯦꯖꯤꯗꯦꯟꯇ ꯑꯣꯏꯔꯒꯗꯤ, ꯏꯟꯗꯤꯌꯥꯒꯤ ꯑꯥꯏꯟꯅ ꯑꯦꯛꯇꯤꯚꯤꯇꯤꯒꯤ ꯃꯇꯨꯡꯏꯟꯅ ꯆꯠꯀꯅꯤ।
Web2 ꯅꯇ꯭ꯔꯒ Web3? ꯐꯥꯎꯟꯗꯔ ꯑꯃꯒꯤ ꯗꯤꯁꯤꯖꯟ ꯒꯥꯏꯗ
Web3 ꯃꯁꯥꯅ ꯍꯦꯟꯅ ꯐꯕ ꯅꯠꯇꯦ। ꯃꯁꯤ ꯃꯈꯜ ꯀꯌꯥꯒꯤ ꯇ꯭ꯔꯦꯗ-ꯑꯐꯅꯤ। ꯑꯍꯥꯅꯕ ꯁ꯭ꯀ꯭ꯔꯤꯅꯤꯡꯒꯤꯗꯃꯛ ꯃꯁꯤꯕꯨ ꯁꯤꯖꯤꯟꯅꯕꯤꯌꯨ।
| ꯆꯥꯡ | Web2 | Web3 |
|---|---|---|
| ꯁꯦꯇꯑꯞ ꯆꯥꯗꯤꯡ | ꯂꯦꯝꯅ। Stripe/Razorpay + ꯗꯦꯇꯥꯕꯦꯖ। | ꯍꯦꯟꯒꯠꯅ। ꯋꯦꯂꯦꯠ ꯏꯟꯐ꯭ꯔꯥ, ꯑꯗꯤꯠ, ꯒꯦꯁ। |
| ꯏꯟꯗꯤꯌꯥꯗ ꯀꯝꯄ꯭ꯂꯥꯏꯑꯦꯟꯁ | ꯃꯃꯨꯡ: GST, IT Act, DPDP। | ꯃꯃꯨꯡ + FIU-IND + 30%/1% VDA ꯇꯦꯛꯁ + PMLA। |
| ꯄꯦꯃꯦꯟꯇ ꯔꯦꯂ | UPI, ꯀꯥꯔꯗ, ꯅꯦꯠꯕꯦꯡꯀꯤꯡ, INR। | ꯁ꯭ꯇꯦꯕꯜꯀꯣꯏꯟ, ꯅꯦꯇꯤꯚ ꯇꯣꯀꯦꯟ, ꯑꯐ-ꯔꯦꯝꯄꯗꯒꯤ INR। |
| ꯑꯍꯥꯅꯕ ꯅꯨꯃꯤꯠꯇꯒꯤ ꯒ꯭ꯂꯣꯕꯦꯜ ꯔꯤꯆ | ꯑꯣꯏ, ꯀꯥꯔꯗ ꯄ꯭ꯔꯣꯁꯦꯁꯔꯒ। | ꯑꯣꯏ, ꯅꯦꯆꯨꯔꯦꯂꯤ — ꯃꯁꯤꯅꯤ ꯑꯆꯨꯝꯕ ꯑꯦꯖ। |
| ꯌꯨꯖꯔ ꯑꯟꯕꯣꯔꯗꯤꯡ ꯐ꯭ꯔꯤꯛꯁꯟ | ꯂꯦꯝꯅ। | ꯍꯧꯖꯤꯛ ꯂꯦꯝꯅ — social login + embedded wallets + gas sponsorship ꯅ Web2 ꯃꯥꯟꯅ ꯑꯣꯏꯍꯟꯏ। |
| ꯐꯦꯏꯂꯤꯑꯔ ꯃꯣꯗ | ꯁꯔꯚꯔ ꯗꯥꯎꯟ, ꯄꯦꯃꯦꯟꯇ ꯕ꯭ꯂꯛ। | ꯁ꯭ꯃꯥꯔꯇ ꯀꯟꯇ꯭ꯔꯦꯛꯇ ꯑꯦꯛꯁꯄ꯭ꯂꯣꯏꯠ, ꯀꯤ-ꯂꯣꯁ, ꯆꯦꯏꯟ ꯑꯥꯎꯇꯦꯖ। |
| ꯑꯦꯛꯖꯤꯠ ꯑꯣꯄꯁꯅ | ꯑꯦꯀꯨꯏꯖꯤꯁꯟ, IPO। | ꯇꯣꯀꯦꯟ ꯂꯤꯀ꯭ꯕꯤꯗꯤꯇꯤ, ꯑꯦꯀꯨꯏꯖꯤꯁꯟ, ꯄ꯭ꯔꯣꯇꯣꯀꯜ ꯃꯔꯖꯔ। |
Web3 ꯈꯅꯕꯤꯌꯨ ꯀꯔꯤꯒꯨꯝꯕ…
- ꯑꯗꯣꯝꯒꯤ ꯌꯨꯖꯔꯁꯤꯡ ꯑꯍꯥꯅꯕ ꯅꯨꯃꯤꯠꯇꯒꯤ ꯒ꯭ꯂꯣꯕꯦꯜ ꯑꯃꯁꯨꯡ ꯀꯥꯔꯗ ꯄ꯭ꯔꯣꯁꯦꯁꯔꯅ ꯑꯗꯣꯝꯒꯤ ꯀꯦꯇꯦꯒꯣꯔꯤ ꯔꯤꯖꯦꯛꯇ ꯇꯧꯏ।
- ꯑꯣꯋꯅꯔꯁꯤꯞ, ꯑꯣꯔꯤꯖꯤꯟ, ꯄ꯭ꯔꯣꯒ꯭ꯔꯥꯃꯦꯕꯜ ꯔꯥꯏꯠ ꯅ ꯄ꯭ꯔꯣꯗꯛꯇꯅꯤ (ꯂꯥꯏꯁꯤꯡ, ꯏꯁꯩ, ꯂꯥꯏꯁꯦꯟꯁꯤꯡ, ꯃꯦꯝꯕꯔꯁꯤꯞ)।
- ꯄꯥꯔꯗꯔ꯭ꯁꯤ, ꯑꯗꯤꯇꯦꯕꯜ ꯁ꯭ꯇꯦꯠ ꯅꯨꯡꯒꯤ ꯃꯄꯨꯡ ꯐꯥꯅ ꯀꯅꯥꯒꯤ ꯃꯈꯨꯠꯇ ꯂꯩꯇꯕꯗ ꯆꯪꯏ।
- ꯑꯗꯣꯝꯒꯤ FIU-IND + 30% VDA ꯇꯦꯛꯁ + ꯑꯗꯤꯠ ꯀꯨꯝꯅ ꯄꯨꯕ ꯀꯝꯄ꯭ꯂꯥꯏꯑꯦꯟꯁ ꯀꯦꯄꯦꯁꯤꯇꯤ ꯂꯩ।
Web2 ꯈꯅꯕꯤꯌꯨ ꯀꯔꯤꯒꯨꯝꯕ…
- ꯑꯗꯣꯝꯒꯤ ꯌꯨꯖꯔꯁꯤꯡꯀꯤ ꯃꯌꯥꯝ ꯏꯟꯗꯤꯌꯥꯒꯤ ꯑꯃꯁꯨꯡ INR ꯗ ꯄꯦꯏ ꯇꯧꯏ।
- ꯑꯗꯣꯝꯒꯤ ꯄ꯭ꯔꯣꯗꯛꯇ ꯁꯔꯚꯤꯁꯅꯤ, ꯑꯦꯁꯦꯠ ꯅꯠꯇꯦ।
- ꯑꯗꯣꯝꯅ ꯌꯥꯡꯅ ꯏꯇꯔꯦꯠ ꯇꯧꯅ ꯆꯪꯏ ꯑꯃꯁꯨꯡ ꯍꯧꯖꯤꯛꯀꯤ ꯀꯝꯄ꯭ꯂꯥꯏꯑꯦꯟꯁ ꯂꯣꯗ ꯄꯨꯕ ꯉꯃꯗꯦ।
- ꯑꯗꯣꯝꯒꯤ ꯇꯤꯃꯗ ꯑꯟ-ꯆꯦꯏꯟ ꯏꯟꯖꯤꯅꯤꯌꯔꯤꯡ ꯒꯤ ꯂꯨꯅ ꯂꯩꯇꯦ।
ꯀ꯭ꯔꯤꯑꯦꯇꯤꯚ ꯕꯤꯖꯤꯅꯦꯁꯀꯤꯗꯃꯛ ꯔꯤꯁ꯭ꯀ ꯑꯃꯁꯨꯡ ꯑꯄꯣꯔꯆꯨꯅꯤꯇꯤ
ꯑꯆꯨꯝꯕ ꯔꯤꯁ꯭ꯀ
- RBI ꯁꯔꯀꯨꯂꯥꯔ ꯃꯥꯡꯈꯤ ꯑꯗꯨꯕꯨ ꯍꯧꯖꯤꯛꯁꯨ ꯃꯍꯨꯗ-ꯃꯍꯨꯗꯀꯤ ꯕꯦꯡꯛꯅ ꯇꯨꯃꯤꯟꯅ ꯕꯦꯡꯀꯤꯡ ꯑꯦꯛꯁꯦꯁ ꯀꯛꯊꯠꯄ ꯌꯥꯏ।
- ꯅꯤꯌꯃꯅ ꯍꯣꯡꯕꯒꯤ ꯔꯤꯁ꯭ꯀ — ꯍꯧꯒꯅꯤꯔꯤꯕ ꯑꯥꯏꯟ ꯑꯃꯅ ꯕꯖꯦꯠ ꯆꯛ ꯑꯃꯗ ꯅꯤꯌꯃꯁꯤꯡ ꯍꯣꯡꯍꯟꯕ ꯌꯥꯏ।
- ꯇ꯭ꯔꯦꯖꯔꯤ ꯚꯣꯂꯦꯇꯥꯏꯂꯤꯇꯤ — BTC/ETH ꯗ ꯑꯄꯔꯦꯇꯤꯡ ꯐꯟꯗ ꯊꯝꯃꯤꯕꯅ ꯕꯤꯖꯤꯅꯦꯁ ꯔꯤꯁ꯭ꯀꯅꯤ, ꯍꯦꯖ ꯅꯠꯇꯦ।
- ꯁ꯭ꯃꯥꯔꯇ ꯀꯟꯇ꯭ꯔꯦꯛꯇ ꯑꯃꯁꯨꯡ ꯀꯁ꯭ꯇꯗꯤ ꯔꯤꯁ꯭ꯀ — ꯀꯣꯗ ꯑꯃꯁꯨꯡ ꯀꯤ-ꯃꯦꯅꯦꯖꯃꯦꯟꯇꯅ ꯑꯗꯣꯝꯒꯤ ꯑꯦꯇꯦꯛ ꯁꯔꯐꯦꯁꯀꯤ ꯁꯔꯨꯛ ꯑꯣꯏꯔꯦ।
- ꯃꯃꯤꯡꯒꯤ ꯔꯤꯁ꯭ꯀ — 'ꯀ꯭ꯔꯤꯄ꯭ꯇꯣ' ꯀꯨꯏꯄ꯭ꯂꯤ ꯍꯧꯖꯤꯛꯁꯨ ꯏꯟꯗꯤꯌꯥꯒꯤ ꯀꯁ꯭ꯇꯃꯔꯒꯤ ꯃꯃꯥꯡꯗ ꯁ꯭ꯀꯦꯃꯒꯤ ꯃꯄꯨꯡ ꯂꯩꯔꯤ।
ꯑꯆꯨꯝꯕ ꯑꯄꯣꯔꯆꯨꯅꯤꯇꯤ
- ꯄꯥꯡꯒ ꯕꯤꯖꯤꯅꯦꯁ ꯅꯨꯃꯤꯠꯀꯤ ꯃꯍꯨꯠꯇ ꯃꯤꯅꯤꯠꯀꯤ ꯃꯅꯨꯡꯗ ꯀꯟꯇ꯭ꯔꯤꯕꯤꯎꯇꯔꯗ ꯒ꯭ꯂꯣꯕꯦꯜ ꯄꯦꯃꯦꯟꯇ।
- ꯀ꯭ꯔꯤꯑꯦꯇꯔ ꯑꯃꯁꯨꯡ ꯀꯃꯤꯎꯅꯤꯇꯤꯒꯤꯗꯃꯛ ꯇꯣꯀꯦꯟꯅꯥꯏꯖꯗ ꯃꯦꯝꯕꯔꯁꯤꯞ ꯑꯃꯁꯨꯡ ꯑꯦꯛꯁꯦꯁ ꯄꯥꯁ।
- ꯑꯥꯔꯇꯤꯁ꯭ꯇ, ꯃꯤꯎꯖꯤꯁꯤꯌꯅ ꯑꯃꯁꯨꯡ ꯂꯥꯏꯁꯦꯟꯁꯔꯒꯤꯗꯃꯛ ꯄ꯭ꯔꯣꯒ꯭ꯔꯥꯃꯦꯕꯜ ꯔꯣꯌꯦꯂꯇꯤꯖ।
- ꯑꯣꯔꯤꯖꯤꯅꯦꯜ ꯋꯥꯔꯛꯀꯤꯗꯃꯛ ꯚꯦꯔꯤꯐꯥꯏꯑꯦꯕꯜ ꯑꯣꯔꯤꯖꯤꯟ — ꯄ꯭ꯔꯨꯐ ꯑꯐ ꯑꯊꯔꯁꯤꯞ, ꯔꯤꯁꯦꯜ ꯑꯦꯠꯔꯤꯕꯤꯎꯁꯟ।
- ꯗꯥꯏꯔꯦꯛꯇ ꯄꯦꯇ꯭ꯔꯅꯦꯖ ꯔꯦꯜ 20–30% ꯄ꯭ꯂꯦꯇꯐꯣꯔꯃ ꯀꯠ ꯂꯧꯗꯦ।