Nzira dzakaoma uye dzakanatswa dzekubhadhara mhiri kwemakungwa chinhu chekare. SALT.PE iri kurerutsa uye kurerutsa kutengeserana kwepamuganhu, kusandura indasitiri.
Mune ino positi, isu tichaongorora yakasarudzika mabhenefiti uye maficha, pamwe neayo mushandisi-ane hushamwari dhizaini uye yakasimba kuchengetedza maficha.
Salt.Pe's papuratifomu ndiyo mhinduro yakakwana kune zvese zvaunoda zvine chekuita nekubhadhara kuyambuka, ungave uri munhu kana bhizinesi riri kuedza kuwedzera kusvika kwako.
Mhedziso yeSalt.Pe uye masevhisi ayo
Munyu.Pe ndeyeIndia fintech yekutanga iyo yakavambwa muna Ndira 13, 2020 naUdita Pal naAnkit Parashar. Iyo kambani yakavakirwa kunze kweBengaluru, Karnataka kuIndia, uye inopa neo-banking mhinduro yekurerutsa kubhadhara uye zvinyorwa zvemabhizinesi madiki nepakati.
Iyi puratifomu ine chinangwa chekupa imwe-yekumira mhinduro kune ese epasi rese mabhengi anodiwa, kunyanya kubhadhara kuyambuka muganhu uye kutevedzera. Iyo mhinduro yekuvandudza inobatsira mabhizinesi kufamba munyika yakaoma yekubhadhara kwepasirese uye kutevedzera zvinodiwa zviri nyore.
Nemunyu.pe, mabhizinesi anogona kutarisa mukukura mashandiro avo pasina kunetsekana nekunetsekana kwekubhenga kwenyika. Chinangwa chekambani ndechekuita kuti mabhanga epasi rose awanikwe nemunhu wese uye kupa simba mabhizinesi emhando dzese kuti vawedzere kusvika kwavo pasi rose.
Asi chii chaizvo chiri Cross-Border Payments? Tinotoda izvozvo here?
Kubhadharwa kwemuchinjiko kutengeserana kwemari kunoitika pakati pemasangano ari munyika dzakasiyana. Izvo zvakakosha mukutsigira kutengeserana kwenyika uye mashandiro emakambani muhupfumi hwenyika.
Kubhadhara kwemuganho kuri kuwedzera kukosha muIndia sezvo nyika iri kuwedzera kusvika kwayo pasi rose. Kunyanya, mafemu madiki uye epakati nepakati (SMEs) muIndia ane kudiwa kukuru kwemhinduro dzekubhadhara kuyambuka miganhu kutsigira mabasa avo ekutengeserana pasi rose.
Nekudaro, masisitimu ekubhadhara emumuganhu eIndia anotarisana nezvipingamupinyi zvakati wandei, zvinosanganisira mutengo unodhura, nguva refu yekugadzirisa, uye zvakaoma kudzora zvinodiwa. Izvi zvipingamupinyi zvinogara zvichitadzisa kukura kweIndia SME uye kudzikisira kugona kwavo kuita hupfumi hwenyika.
Kubhadhara-kuyambuka kwakakosha muIndia nekuti vanogona kubatsira maSME eIndia kukunda zvipingaidzo izvi uye kupinda mumisika mitsva, zvichivabvumira kukwikwidza pasirese nekusimudzira kufambira mberi kwehupfumi hwenyika.
Nekuda kweizvozvo, mhinduro inoshanda uye inodhura yekuyambuka muganhu seSalt.Pe ine mukana wekubatsira zvakanyanya mabhizinesi madiki uye epakati eIndia uku ichibatsirawo mukukura kwehupfumi hweIndia.
Matambudziko Anowanzosangana nawo muIndasitiri iyi
Hongu, pane zvimwe zvipingamupinyi zvakajairika uye miganhu inosangana nemasangano ari muchikamu chekubhadhara miganhu, senge:
- Zvipingamupinyi zvinotungamirira: Kubhadhara kwepamuganhu kunogona kusanganisira nyika zhinji uye zvirambidzo zvadzo, zvichiita kuti maitiro acho akaoma uye atore nguva. Makambani anofanirwa kuvimbisa kuti zvese zvisungo zvekutonga, senge anti-money laundering (AML) uye ziva-wako-mutengi (KYC), zvinosangana.
- Mari yekushandura mitengo: Kuchinja kwemari yekuchinjana kwemari kunogona kukanganisa mutengo wekuyambuka muganhu pamwe chete nemari yekupedzisira inotambirwa nemugamuchiri.
- Chinjana Mari: Mari yekufambisa yakakwira inogona kuita kuti mubhadharo wekuyambuka muganhu udhure zvisingaite kune anotumira neanotambira.
- Transfer speed: Kubhadhara kwepamuganhu kunogona kutora mazuva akati wandei kuti vasvike kwavanoenda, zvichikonzera kusagadzikana uye kurasikirwa nenguva.
- chibatiso: Nekuda kwekuti mabhindauko ekuyambuka miganhu anosanganisira mazakwatira emari, vane hutsotsi uye kurwisa kwepamhepo. Makambani ari munzvimbo iyi anofanirwa kuvimbisa kuti ane matanho ekuchengetedza akakwana ekuchengetedza mari yevatengi vavo.
Ngationei kuti Salt.Pe inobata sei nematambudziko aya!
Unotanga sei?
Kutanga neSalt.Pe inzira yakatwasuka inogona kupedzwa mumatanho mashoma akareruka. Kubatsira kuunza ruzivo rwekutanga rwepuratifomu, ini pachangu ndakatora nguva yekusaina pane webhusaiti Salt.Pe.
Nhanho yekutanga mukuita ndeyekusarudza bhizinesi rako rudzi, ungave uri kambani, mubatanidzwa, proprietorship, kana freelancer. Tevere, iwe unozokumbirwa kuti upe zvakakosha senge zita rako, nyika, email kero, tsananguro yebhizinesi, uye shanduko.
Mushure mekubvumirana nemitemo nemamiriro ezvinhu, unogona kusarudza nyika dzaunotarisira kugamuchira mubhadharo. Ndokumbira utarise kuti panogona kuve nekuwedzera mari kune dzimwe nyika kunze kweUS, UK, Canada, uye EU.
Kana zvese zvimiro zvapera, unogona kupinda muaccount yako nekukasira.
Kureruka kwekushandisa uye ruzivo rwevatengi
Imwe yeSalt.Pe yekutanga kutengesa zvinhu kuve nyore kwayo kushandisa uye ruzivo rwevatengi. Sangano rinoziva nezvenyaya mbiri huru dzine chekuita nemari dzekunze: nzira dzinotora nguva uye mitemo yakaoma.
Kugadzirisa matambudziko aya, Salt.Pe yakagadzira chikuva chayo kuderedza nguva yekutengeserana uye kubatsira vatengi mukufambisa zviri pamutemo zvinodiwa. Nekuda kweizvozvo, iyo kambani yakagadziridzwa $ Miriyoni 15 mukutengeserana uye kurerutswa uye kusagadzikana-kusununguka kubhadhara kune dzimwe nyika.
Vatengi havachafanira kutambura nekunonoka uye kunetsa kugadzirisa, mari inodhura yekutengeserana, kana kushaikwa kwerubatsiro rwedhijitari neSalt.Pe. Iyo puratifomu mushandisi-inoshamwaridzika dhizaini uye yakatwasuka kufamba inoita kuti ive yakanakisa imwe nzira kune chero munhu anoda kukwenenzvera maitiro avo ekubhadhara epasi rese.
Kuchengeteka nekuchengetedzeka kweruzivo rwemushandisi rwemunhu uye rwemari
Salt.Pe inotora basa rayo rekuchengetedza ruzivo rwevashandisi vayo uye ruzivo rwemari zvakanyanya. Sangano rakatora matanho akakosha ekuchengetedza kuchengetedzwa kwevatengi varo. Yakadyidzana nemabhanga anotariswa neReserve Bank yeIndia (RBI), pamwe nevanoteedzera mirau yefemu yega yega yainoshanda nayo, kuvimbisa kuti zvese zvekutengesa zvinonyatsoenderana neindasitiri zviyero.
Pamusoro pekudyidzana kwayo nemabhangi akadzorwa, Salt.Pe inoshandisawo tekinoroji yekucheka-kumucheto kuchengetedza ruzivo rwevashandisi. Kubva kumagumo-kusvika-kumagumo encryption yedata kune akawanda-layer kuchengetedza protocol, kambani yakazvipira kupa vashandisi vayo rugare rwepfungwa.
NeSalt.Pe, unogona kuva nechivimbo chekuti ruzivo rwako pachako uye rwemari rwakachengeteka 100%. Kunyangwe iwe uri kubhadhara kuyambuka-muganhu kana kungochengeta ruzivo rwako, Salt.Pe yakakufukidza.
Hunhu hwekutsigirwa kwevatengi
Kunyangwe iri kambani idiki, Salt.Pe inotora rutsigiro rwevatengi zvakanyanya. Kunyange hazvo panogona kunge pasina kuwanda kwesarudzo dzekubatana nekambani, ivo vakaita kuti ikoshe kuti ivepo kugadzirisa chero zvichemo zvingave nevatengi vavo.
Vatengi vanogona kusvika kune Salt.Pe timu nekutumira email [email inodzivirirwa], apo boka rakazvipira kugadzirisa rinopindura kumibvunzo yavo nekukasira. Sezvo kambani iri kuramba ichikura, inogona kuwedzera vatengi vayo rutsigiro, asi parizvino, vaita kuti ive yakakosha kuvepo uye kuita zvinoenderana nezvinodiwa nevatengi vayo.
Kujeka uye mubhadharo
Mukutaura kwekujekesa uye mari, Salt.Pe inopa nzira yakajeka uye yakananga. Pane hapana mari yekunyoresa uye chikuva chinochaja chete 1.75% pakutengeserana kwega kwega. Mari iyi inovhara zvese, pasina muripo wakavanzika, kunyoreswa, kana muripo wepagore.
Pamusoro pazvo, Salt.Pe haibhadharise mari yekumaka pakushandura, pachinzvimbo ichi, ichitevera mwero wakapihwa neGoogle wekushandura INR. Izvi zvinoita kuti zvive nyore kune vatengi kunzwisisa mutengo unobatanidzwa uye zvinobatsira kudzivirira chero mhosva isingatarisirwe.
Nedanho iri rekujeka, vashandisi vanogona kuve nechivimbo chekuti mitengo yavo icharamba ichizivikanwa uye ichigoneka, kunyangwe kune yakakwira-vhoriyamu kuyambuka muganhu.
Innovations uye akasiyana maficha anopihwa nekambani
Salt.Pe ine zvinhu zviviri zvikuru- (1) Kutumira Kwemukati, uye (2) Tafura Munyu. Ngativatarise mumwe nemumwe.
(i) Mari yemukati
Salt.Pe ine basa rakasiyana rinonzi "Inward Remittance” izvo zvine chinangwa chekubatsira makambani madiki mukuwana mari kubva kune dzimwe nyika. Iyi ficha inobvumira makambani madiki kuvhura emuno maakaundi ebhengi mumatanhatu makuru emari, kusanganisira GBP, AUD, USD, EUR, HKD, uye SGD, pasina kudiwa kwebazi remhiri kwemakungwa.
Kutanga, ingonyoresa pawebhusaiti yeSalt.Pe, zadzisa maitiro eKYC neKYB, uye tora maakaundi emubhangi emuno kuti ugamuchire mari yekunze. Vatengi vanogona kubhadhara munharaunda uye kuendesa mari kumaakaundi avo emunharaunda kuburikidza neInward Remittance, uye mari yacho inoendeswa kuaccount yavo yeIndia mukati memaawa makumi maviri nemana.
Ichi chakasarudzika chimiro hachingodzikisire nguva uye kushanda nesimba zvine chekuita nekubhadhara kwenyika asi zvakare chinopa nzira inokurumidza uye inoshanda kumabhizinesi madiki kuti agamuchire mari kubva kunze.
(ii) Tafura Munyu
Nekudaro, kutengeserana kutenderedza pasirese hakusi nyore nguva dzose sezvavangaita. Zvinosanganisira zvakawanda zvakaoma uye zvimiro zvinoda kuteverwa. Apa ndipo panouya chimiro cheSalt.Pe, '.Tafura YeTafura' inopinda mukutamba.
Ichi chishandiso, chichiri muchikamu chayo chebeta, chakanyatsogadzirirwa kuti vechidiki vatange kuita otomatiki maitiro ekutsvaga mari.
Nerubatsiro rwe'Table Salt', unogona kuvhura capital account mumaawa makumi mana nemasere chete uye wogamuchira mari mumaawa makumi maviri nemana. Chishandiso ichi chinogonesawo kutevedzera mari isati yapihwa, uye kutevedzera mari mushure meRBI, MCA, uye FEMA ye. mari yekunze, uye inopa kuoneka kwakazara mukuita kwekudyara.
Pamusoro pezvo, ine chinangwa chekuti kutengeserana kwekunze kugoneke kuburikidza neUPI panosvika 2025. Nekukurumidza kufambisa mafomu eFIRC neFCGPRS, mitengo yakaderera pamitengo ye forex, uye kubuda pasina kunetseka nemagwaro anoenderana zvizere, 'Table Salt' yakagadzirirwa kushandura nzira iyo vechidiki vanotanga kuita kutengeserana kwavo kune dzimwe nyika.
Chii chinonzi FIRC Certification
FIRC (Foreign Inward Remittance Certificate) certification igwaro rinoshanda sehumbowo hwekutumirwa kwemukati mari yekunze muIndia. Inopihwa nemabhangi muIndia kune vatengi vakagamuchira mari dzekunze.
Chitupa cheFIRC igwaro rakakosha rinodiwa neReserve Bank yeIndia (RBI) kudzora mari dzekunze uye mari dzinotumirwa muIndia.
Chitupa chinosimbisa kuti muripo wemari yekunze watambirwa nenzira dziri pamutemo uye dziri pamutemo. Nekuwana chitupa cheFIRC, mabhizinesi anogona kuratidza huchokwadi hwekutengeserana kwavo kune dzimwe nyika, zvichiita kuti zvive nyore kubata mushure mekubhadhara mari uye mamwe maitiro ane chekuita nekudyara kwekunze.
Salt.Pe iri kuuya chimiro 'Table Salt' inovavarira kuita kuti maitiro ekutora FIRC certification akurumidze uye ave nyore kune ekutanga.
Payoneer VS Salt.Pe
Chii chinonzi Payoneer
Payoneer ibasa rekucheka-kumucheto rekubhadhara kubva kune Merchant Stronghold iri muClearwater, Florida. Inopa mhinduro yakaringana uye yakakwana kumabhizinesi emarudzi ese kuti vatore muunganidzwa wavo wekubhadhara.
Nekuwanikwa kwezvishandiso zvepamberi zvekubhadhara, senge POS michina, materminals, uye kushanda nesimba webhusaiti kubatanidzwa, Payoneer inoita kuti zvive nyore kumabhizinesi kugadzirisa kubhadhara uye kugamuchira mari kubva kune vatengi zviri nyore.
Kutarisisa kwaPayoneer pakupa akaundi ane njodzi uye yekunze kwevatengesi maakaundi inopa simba mabhizinesi kuti awedzere kusvika kwavo uye nekutsvaga kukura pasina kusangana nezvipingamupinyi zvinowanzoenderana nemaitiro echinyakare ekubhadhara nzira.
Ndeupi ari nani?
Payoneer ipuratifomu yakasimbiswa inopa dhijitari FIRC yemahara uye maneja akazvitsaurira wechitoro kubata zvitoro zvako zvakawanda pamisika. Zvavo Escrow service chinhu chakakurumbira chinovimbisa kutengeserana kwakanaka pakati pevashandisi vayo.
Nekudaro, kunyangwe iri hofori muindastiri, Payoneer yakanetseka kumisikidza inoteerera uye inosvikika yetsigiro yevatengi, inogona kuve yakakosha dhizaini.
Kune rimwe divi, Salt.Pe ipuratifomu nyowani ine chinangwa chekupa chiitiko chisina musono kune mabhizinesi ari kutarisa kubata kutengeserana kwavo zviri nyore. Salt.Pe yakasarudzika mupfungwa yekuti inopa mhinduro yakazara yekugadzirisa pre- uye mushure mekubhadhara mari, ichipa kuoneka kwakazara kwekuita kwekudyara.
Iyi puratifomu inopawo kubuda-kusinganetse kubuda nemagwaro anoenderana zvizere uye nekukurumidza faira reFIRC neFCGPRS mafomu. Aya maficha, akasanganiswa nekusimbisa kweSalt.Pe pa basa revatengi rakanaka inoita kuti ive sarudzo inosarudzika kumabhizinesi ari kutsvaga yakavimbika uye inoshanda chikuva chekugadzirisa kutengeserana kwavo.
Mhedziso uye chiyero chese
Mukupedzisa, Munyu.Pe ipuratifomu inopa yakasarudzika nzira yekuyambuka muganhu kubhadhara uye yakanyatsogadzirwa. Mabhizinesi anogona kugamuchira mubhadharo kubva kumarudzi akati wandei zviri nyore nekuda kwekugadzirisa kwepuratifomu maitiro ekubhadhara.
Iyo intuitive mushandisi interface uye iyo inobatsira chaizvo mutengi rubatsiro zvakanakira.
Iyi puratifomu mukwikwidzi ane simba mumusika wekubhadhara muganhu nekuda kweakasiyana maficha. Zvinogona kutora nguva, zvichipiwa kusakura kwayo, tisati tagona kufanotaura nechivimbo kuti ichashandura chikamu chekubhadhara muganhu.
Asi chikuva chine vimbiso yakawanda, saka zvakakodzera kunyatsoteerera.
Pakazara, Salt.Pe inogamuchira 8 kubva mugumi!
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