Jerin Binciken Shirin Gaggauta Gwajin Sababbin Ayyuka ƙarƙashin Kulawar Ƙa’idoji (ARIP) domin Karɓar VASPs An wallafa: May 25, 2025

An tsara Tsarin Shirin Gaggauta Gwajin Sababbin Ayyuka ƙarƙashin Kulawar Ƙa’idoji (ARIP) domin gaggauta shigar da ƙungiyoyin da suka cancanta cikin kasuwar jari ta Najeriya tare da tabbatar da mutuncin kasuwa, kariyar masu zuba jari da juriyar gudanarwa. Ta shiga ARIP, Masu Ba da Sabis na Kadarorin Kama-da-wane (VASPs) da Masu Ba da Ayyukan Zuba Jari na Dijital (DISPs) suna samun waɗannan fa’idodi:

• Jagorar Ƙa’idoji: Fahimtar abin da Securities and Exchange Commission (SEC) take tsammani tun da wuri kan shugabanci, kula da haɗari da bin ƙa’idoji.
• Shirye-shiryen Gudanarwa: Tsararren tafarki—daga tantancewar farko zuwa amincewa bisa ƙa’ida zuwa cikakkiyar rajista—yana rage lokacin fara shiga kasuwa.
• Fahimtar Tsara Ƙa’idoji: Tsarin musayar ra’ayi na haɗin gwiwa da ke ba SEC damar inganta ƙa’idojin kadarorin dijital bisa ainihin tsarin kasuwanci.

Wannan jerin bincike ya taƙaita muhimman abubuwan Tsarin ARIP zuwa jagorar da CMOs da ƙungiyoyin bin ƙa’idoji za su iya aiwatarwa, yana tabbatar da cewa kun shirya cika duk wajibai na doka, kuɗi da gudanarwa a lokacin shiga da fita daga lokacin gwajin sabbin ayyuka ƙarƙashin kulawar ƙa’idoji.

Taƙaitaccen Jerin Bincike

1. Gabatarwa & Ikon Doka

• Tushen Doka: SEC tana samun ikon karɓar masu shiga daga Investments and Securities Act (ISA) 2007, Sashe na 38.
• Iyakar Aiki: ARIP ya shafi duk VASP ko DISP da ke bayar da sabis a Najeriya ko ga Najeriya, na cikin gida ko na ƙasashen waje.

2. Manufa & Manufofi

• Gaggauta Karɓar Masu Shiga: Samun Amincewa Bisa Ƙa’ida (AIP) kafin cikakken fara aiki da ƙa’idoji.
• Gina Ƙwarewa: Karɓar jagora kafin fara aiki kan bin ƙa’idoji, haɗari da rahotanni.
• Ra’ayi kan Ƙa’idoji: Ba da fahimtar fannin domin taimakawa tsara Ƙa’idojin Kadarorin Dijital na gaba.

3. Ma’anoni & Aiwatarwa

• Muhimman Kalmomi: AIP, Mai Nema Mai Cika Sharuɗɗan Shiga, Mai Nema da Aka Tantance Ya Cancanta, Dandalin Zuba Jari na Dijital.
• Waɗanda Suka Cancanta: Ƙungiyoyin da aka kafa a Najeriya (ko ke ba masu zuba jari na Najeriya sabis a yanzu), masu kafa kamfanoni, masu fitar da takardun jari, dandamalin ciniki, masu riƙe kadarori, masu ba da shawara.

4. Sharuɗɗan Cancanta

• Kafawa a Najeriya tare da CEO/MD mazaunin ƙasar
• Rajistar VASP/DISP da ake jira ko ake niyyar yi
• Nuna ikon gudanar da kasuwancin takardun jari

5. Tsarin Nema

1. Tantancewar Farko: Miƙa fom ta intanet a Dandalin SEC.
2. Sanarwar Cancanta: SEC tana dubawa da tabbatar da cancanta.
3. Buƙata ta Hukuma: Kammala buƙatar ARIP bayan samun izini.
4. Bayar da AIP: Gudanar da aiki ƙarƙashin ARIP na tsawon lokacin da Hukumar ta ƙayyade.
5. Jinkirtawa/Ƙin Amincewa: SEC na iya jinkirtawa ko ƙin amincewa tare da rubuta dalilai.

6. Takardun da Ake Buƙata

• Alƙawuran rantsuwa kan sahihanci, matsayin dacewa da cancanta da ikon biyan basussuka
• Tsarin gudanarwa/kasuwanci da tsarin kula da haɗari
• Takardun kamfani (Kafawa, Takardar Kafawa & Ƙa’idojin Tafiyarwa, jarin hannayen jari, asusun da aka bincika)
• Mutanen da kamfani ya ɗauki nauyin rajistarsu (aƙalla manyan jami’ai huɗu)
• “Rashin ƙin amincewa” daga sauran hukumomin fanni, idan ya dace
• Shaidar rajistar NFIU

7. Kuɗaɗe & Buƙatun Kuɗi

• Kuɗin Sarrafa Buƙata: ₦2,000,000 da ba za a mayar ba
• Kuɗin Masu Hannun Jari: Shaidar jarin da ake buƙata da inshorar rashin amincin ma’aikaci
• Ƙarin Buƙatu: Hukumar na iya sanya ƙarin sharuɗɗan kuɗi

8. Gabatar da Rahotanni & Sa Ido

• Bita a Wurin Aiki/Daga Nesa: Ƙididdigar ciniki ta mako/wata, rahotannin kuɗi & bin ƙa’idoji na kowane kwata
• Rahoton Abubuwan da Suka Faru: Zamba, matsalolin gudanarwa, ƙorafe-ƙorafen abokan ciniki
• Damar SEC: Haƙƙin binciken asusu da dubawa ba tare da ƙuntatawa ba

9. Matakan Kulawa, Sharuɗɗa & Ƙuntatawa

• Tsarin kula da haɗari tare da matakan kare masu zuba jari
• Bin AML/CFT/CPF (ciki har da ƙa’idojin tura bayanai tare da ma’amala)
• Haramcin ayyukan da ba a ba da izini ba, sadarwa mai ruɗarwa da ƙaruwa da sauri na abokan ciniki

10. Ƙarewa & Dakatarwa

• Dalilai sun haɗa da rashin cancanta, karya sharuɗɗa, rashin ikon biyan basussuka, rashin ɗa’a da ɓarna ko fallasar bayanai
• Sanarwa a rubuce tare da dalilai; haƙƙin a saurari mutum kafin janyewa

11. Buƙatun Tsarin Gudanar da ARIP

• Bayanin tsarin kasuwanci, tarin fasahar da ake amfani da ita da bayanan abokan ciniki
• Cikakkun matakan kula da haɗari, kariyar masu zuba jari/bayanai da dabarun sadarwa
• Tsarin fita idan ba a samu cikakkiyar rajista ba

12. Sauyawa zuwa Cikakkiyar Rajista

• Sauyawa cikin sauƙi zuwa rajistar SEC ta hukuma ko rungumar sabbin ƙa’idoji
• Yiwuwar ƙin amincewa idan ba a cika ma’aunan ƙa’idoji ba
• Hanyar horo da jarabawar mutanen da kamfani ya ɗauki nauyin rajistarsu

13. Hukunci & Takunkumi

• Hukuncin Farko: ₦5,000,000 ga saɓawar farko; ₦200,000 kowace rana bayan haka
• Masu Gudanarwa Ba Tare da Izini ba: ₦20,000,000 (VASPs masu kasuwanci); ₦10,000,000 (sauran dandamalin dijital)
• Ƙarin takunkumi (misali, dakatarwa) ƙarƙashin Ƙa’idojin SEC

14. Sirri

• Masu nema za su yi wa takardun da ba na jama’a ba alamar “Na Sirri”
• SEC za ta ɗauki bayanan da aka yi wa alama a matsayin na sirri sai dai yadda doka ta buƙata

Za ku iya sauke cikakken Tsarin Shirin Gaggauta Gwajin Sababbin Ayyuka ƙarƙashin Kulawar Ƙa’idoji (ARIP) domin cikakken jagora da samfuran takardu

Wannan jerin bincike yana ba VASPs da DISPs bayyananniyar hanyar shiga shirin gwajin sabbin ayyuka ƙarƙashin kulawar SEC, yana tabbatar da cewa daga tantancewar farko zuwa cikakkiyar rajista kuna bin ƙa’idoji, kuna bayyana gaskiya kuma kuna mai da hankali ga masu zuba jari. Domin ƙarin taimako ko tambayoyi, tuntuɓi Ofishin Ƙirƙira na SEC a innovation@sec.gov.ng ko fintech@sec.gov.ng.