{"id":58232,"date":"2023-09-22T15:56:20","date_gmt":"2023-09-22T06:56:20","guid":{"rendered":"https:\/\/monolith.law\/vi\/?p=58232"},"modified":"2025-12-11T19:38:48","modified_gmt":"2025-12-11T10:38:48","slug":"comparision-electronicmoney-virtualcurrency","status":"publish","type":"post","link":"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency","title":{"rendered":"\u0110i\u1ec1u g\u00ec l\u00e0 t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o)? Gi\u1ea3i th\u00edch chi ti\u1ebft v\u1ec1 \u0111\u1ecbnh ngh\u0129a theo ph\u00e1p lu\u1eadt v\u00e0 s\u1ef1 kh\u00e1c bi\u1ec7t so v\u1edbi ti\u1ec1n \u0111i\u1ec7n t\u1eed, v.v."},"content":{"rendered":"\n<p>G\u1ea7n \u0111\u00e2y, s\u1ef1 ch\u00fa \u00fd \u0111\u1ed1i v\u1edbi &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o)&#8221; \u0111ang t\u0103ng l\u00ean, nh\u01b0ng c\u00f3 l\u1ebd ch\u1ec9 c\u00f3 \u00edt ng\u01b0\u1eddi hi\u1ec3u ch\u00ednh x\u00e1c &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; l\u00e0 g\u00ec. Trong giao d\u1ecbch t\u00e0i s\u1ea3n m\u00e3 h\u00f3a, c\u00f3 th\u1ec3 c\u00f3 nh\u1eefng ng\u01b0\u1eddi c\u1ea3m th\u1ea5y r\u1eb1ng vi\u1ec7c hi\u1ec3u r\u00f5 l\u00e0 kh\u00f3 kh\u0103n do s\u1eed d\u1ee5ng c\u00e1c thu\u1eadt ng\u1eef kh\u00f4ng quen thu\u1ed9c nh\u01b0 &#8220;token&#8221; hay &#8220;blockchain&#8221;.<\/p>\n\n\n\n<p>B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch v\u1ec1 \u0111\u1ecbnh ngh\u0129a ph\u00e1p l\u00fd c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a, c\u0169ng nh\u01b0 \u0111i\u1ec3m chung v\u00e0 kh\u00e1c bi\u1ec7t so v\u1edbi ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n \u0111i\u1ec7n t\u1eed kh\u00e1c m\u00e0 tr\u01b0\u1edbc \u0111\u00e2y \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_53 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#Tai_san_ma_hoa_tien_ao_la_gi\" title=\"T\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o) l\u00e0 g\u00ec\">T\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o) l\u00e0 g\u00ec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#Dinh_nghia_phap_ly_cua_tai_san_ma_hoa_tien_ao\" title=\"\u0110\u1ecbnh ngh\u0129a ph\u00e1p l\u00fd c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o)\">\u0110\u1ecbnh ngh\u0129a ph\u00e1p l\u00fd c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#Dien_tu_tien_mat_la_gi\" title=\"\u0110i\u1ec7n t\u1eed ti\u1ec1n m\u1eb7t l\u00e0 g\u00ec\">\u0110i\u1ec7n t\u1eed ti\u1ec1n m\u1eb7t l\u00e0 g\u00ec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#Su_khac_biet_giua_tai_san_ma_hoa_va_tien_dien_tu\" title=\"S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa t\u00e0i s\u1ea3n m\u00e3 h\u00f3a v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed\">S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa t\u00e0i s\u1ea3n m\u00e3 h\u00f3a v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#%E2%80%9CTai_san_ma_hoa%E2%80%9D_va_%E2%80%9CPhuong_thuc_thanh_toan_tra_truoc%E2%80%9D\" title=\"&#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; v\u00e0 &#8220;Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc&#8221;\">&#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; v\u00e0 &#8220;Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#%E2%80%9CTai_san_ma_hoa%E2%80%9D_va_%E2%80%9CGiao_dich_ngoai_hoi%E2%80%9D\" title=\"&#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; v\u00e0 &#8220;Giao d\u1ecbch ngo\u1ea1i h\u1ed1i&#8221;\">&#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; v\u00e0 &#8220;Giao d\u1ecbch ngo\u1ea1i h\u1ed1i&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#Su_khac_biet_giua_%E2%80%9CTai_san_ma_hoa%E2%80%9D_va_%E2%80%9CPhuong_tien_thanh_toan_dien_tu%E2%80%9D_Stablecoin\" title=\"S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa &#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; v\u00e0 &#8220;Ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed&#8221; (Stablecoin)\">S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa &#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; v\u00e0 &#8220;Ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed&#8221; (Stablecoin)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#Sap_xep_cac_dac_diem_cua_tai_san_ma_hoa_tien_ao\" title=\"S\u1eafp x\u1ebfp c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o)\">S\u1eafp x\u1ebfp c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o)<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#Tinh_khong_xac_dinh\" title=\"T\u00ednh kh\u00f4ng x\u00e1c \u0111\u1ecbnh\">T\u00ednh kh\u00f4ng x\u00e1c \u0111\u1ecbnh<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#Tinh_bien_dong_gia_tri\" title=\"T\u00ednh bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb\">T\u00ednh bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#Tom_tat_Neu_co_thac_mac_ve_luat_phap_lien_quan_den_tai_san_ma_hoa_tien_ao_hay_tham_van_voi_luat_su\" title=\"T\u00f3m t\u1eaft: N\u1ebfu c\u00f3 th\u1eafc m\u1eafc v\u1ec1 lu\u1eadt ph\u00e1p li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o), h\u00e3y tham v\u1ea5n v\u1edbi lu\u1eadt s\u01b0\">T\u00f3m t\u1eaft: N\u1ebfu c\u00f3 th\u1eafc m\u1eafc v\u1ec1 lu\u1eadt ph\u00e1p li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o), h\u00e3y tham v\u1ea5n v\u1edbi lu\u1eadt s\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/monolith.law\/vi\/it\/comparision-electronicmoney-virtualcurrency\/#Gioi_thieu_ve_cac_bien_phap_cua_van_phong_luat_su_cua_chung_toi\" title=\"Gi\u1edbi thi\u1ec7u v\u1ec1 c\u00e1c bi\u1ec7n ph\u00e1p c\u1ee7a v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 c\u1ee7a ch\u00fang t\u00f4i\">Gi\u1edbi thi\u1ec7u v\u1ec1 c\u00e1c bi\u1ec7n ph\u00e1p c\u1ee7a v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 c\u1ee7a ch\u00fang t\u00f4i<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tai_san_ma_hoa_tien_ao_la_gi\"><\/span>T\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o) l\u00e0 g\u00ec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bitcoin, ng\u01b0\u1eddi ti\u00ean phong c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o), ban \u0111\u1ea7u \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n nh\u01b0 m\u1ed9t &#8220;h\u1ec7 th\u1ed1ng ti\u1ec1n \u0111i\u1ec7n t\u1eed cho ph\u00e9p thanh to\u00e1n tr\u1ef1c tuy\u1ebfn tr\u1ef1c ti\u1ebfp gi\u1eefa ng\u01b0\u1eddi d\u00f9ng m\u00e0 kh\u00f4ng c\u1ea7n s\u1ef1 can thi\u1ec7p c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh&#8221;.<\/p>\n\n\n\n<p class=\"has-text-align-center has-small-font-size\">Tham kh\u1ea3o: <a href=\"https:\/\/bitcoin.org\/bitcoin.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Lu\u1eadn v\u0103n g\u1ed1c c\u1ee7a Satoshi Nakamoto, ng\u01b0\u1eddi ph\u00e1t tri\u1ec3n Bitcoin[en]<\/a><\/p>\n\n\n\n<p>N\u00f3i c\u00e1ch kh\u00e1c, n\u00f3 \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n v\u1edbi m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n (d\u01b0\u1edbi \u0111\u00e2y g\u1ecdi l\u00e0 &#8220;ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n&#8221;) h\u00e0ng ng\u00e0y gi\u1ed1ng nh\u01b0 y\u00ean ho\u1eb7c \u0111\u00f4 la v\u00e0 c\u00e1c lo\u1ea1i ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p kh\u00e1c. Tuy nhi\u00ean, kh\u00e1c v\u1edbi ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p, n\u00f3 kh\u00f4ng c\u1ea7n s\u1ef1 can thi\u1ec7p c\u1ee7a ng\u00e2n h\u00e0ng ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh trung \u01b0\u01a1ng kh\u00e1c, m\u00e0 s\u1eed d\u1ee5ng m\u1ed9t h\u1ec7 th\u1ed1ng ghi ch\u00e9p g\u1ecdi l\u00e0 blockchain, m\u1ed9t h\u1ec7 th\u1ed1ng r\u1ea5t kh\u00f3 \u0111\u1ec3 thay \u0111\u1ed5i, \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch \u0111i\u1ec7n t\u1eed m\u1ed9t c\u00e1ch an to\u00e0n v\u00e0 v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n.<\/p>\n\n\n\n<p>Hi\u1ec7n nay, trong s\u1ed1 nh\u1eefng th\u1ee9 \u0111\u01b0\u1ee3c g\u1ecdi chung l\u00e0 t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o), c\u00f3 nh\u1eefng lo\u1ea1i m\u1edbi xu\u1ea5t hi\u1ec7n h\u00e0ng ng\u00e0y v\u1edbi nhi\u1ec1u ch\u1ee9c n\u0103ng kh\u00f4ng ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf vi\u1ec7c l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n, v\u1edbi Ethereum (ETH) l\u00e0 m\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh. Tuy nhi\u00ean, ban \u0111\u1ea7u, t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o) ch\u1ee7 y\u1ebfu \u0111\u01b0\u1ee3c d\u1ef1 \u0111\u1ecbnh s\u1eed d\u1ee5ng nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n.<\/p>\n\n\n\n<p>Nh\u01b0 \u0111\u00e3 n\u00eau tr\u00ean, ng\u00e0y nay, vi\u1ec7c th\u1ea3o lu\u1eadn v\u1ec1 t\u1ea5t c\u1ea3 nh\u1eefng th\u1ee9 \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o) l\u00e0 kh\u00e1 kh\u00f3 kh\u0103n, nh\u01b0ng m\u1ed9t \u0111\u1eb7c \u0111i\u1ec3m l\u1edbn l\u00e0 &#8220;bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb l\u1edbn&#8221;.<\/p>\n\n\n\n<p class=\"has-background has-small-font-size\" style=\"background-color:#eeeeee\">\u2666<em><span style=\"text-decoration: underline\">Bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb (Volatility) l\u00e0 g\u00ec<\/span><\/em><br><em>Bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb<\/em> l\u00e0 t\u1eeb ch\u1ec9 m\u1ee9c \u0111\u1ed9 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a gi\u00e1 tr\u1ecb, th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u01b0 m\u1ed9t y\u1ebfu t\u1ed1 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh. S\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh c\u00f3 gi\u00e1 tr\u1ecb thay \u0111\u1ed5i th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 &#8220;c\u00f3 bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb l\u1edbn&#8221;, v\u00e0 s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh c\u00f3 bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb l\u1edbn th\u01b0\u1eddng c\u00f3 r\u1ee7i ro cao nh\u01b0ng c\u0169ng c\u00f3 th\u1ec3 t\u1ea1o ra l\u1ee3i nhu\u1eadn l\u1edbn trong th\u1eddi gian ng\u1eafn (cao r\u1ee7i ro, cao l\u1ee3i nhu\u1eadn).<\/p>\n\n\n\n<p>Bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb l\u1edbn l\u00e0 \u0111i\u1ec3m kh\u00e1c bi\u1ec7t l\u1edbn gi\u1eefa t\u00e0i s\u1ea3n m\u00e3 h\u00f3a v\u00e0 ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p, v\u00e0 c\u00f3 l\u1ebd b\u1ea1n \u0111\u00e3 t\u1eebng nghe v\u1ec1 tr\u01b0\u1eddng h\u1ee3p gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a s\u1ee5t gi\u1ea3m \u0111\u1ed9t ng\u1ed9t trong m\u1ed9t \u0111\u00eam. Do \u0111\u00f3, ng\u01b0\u1ee3c l\u1ea1i, t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o) c\u0169ng tr\u1edf th\u00e0nh \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n<p>Tuy nhi\u00ean, th\u00f4ng th\u01b0\u1eddng, vi\u1ec7c s\u1eed d\u1ee5ng nh\u1eefng th\u1ee9 c\u00f3 gi\u00e1 tr\u1ecb kh\u00f4ng \u1ed5n \u0111\u1ecbnh nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n h\u00e0ng ng\u00e0y s\u1ebd kh\u00e1 kh\u00f3 kh\u0103n.<\/p>\n\n\n\n<p>\u0110i\u1ec1u n\u00e0y \u0111\u00fang v\u1edbi c\u1ea3 ng\u01b0\u1eddi b\u00e1n v\u00e0 ng\u01b0\u1eddi mua. V\u00ed d\u1ee5, n\u1ebfu 10.000 y\u00ean b\u1ea1n nh\u1eadn (ho\u1eb7c tr\u1ea3) h\u00f4m nay nh\u01b0 m\u1ed9t ph\u00ed cho m\u1ed9t s\u1ea3n ph\u1ea9m ch\u1ec9 c\u00f2n gi\u00e1 tr\u1ecb 1.000 y\u00ean v\u00e0o ng\u00e0y h\u00f4m sau th\u00ec sao? C\u1ea3 ng\u01b0\u1eddi b\u00e1n v\u00e0 ng\u01b0\u1eddi mua \u0111\u1ec1u kh\u00f4ng th\u1ec3 giao d\u1ecbch m\u1ed9t c\u00e1ch y\u00ean t\u00e2m.<\/p>\n\n\n\n<p>Nh\u01b0 v\u1eady, bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb l\u1edbn, n\u1ebfu v\u01b0\u1ee3t qu\u00e1 m\u1ed9t m\u1ee9c \u0111\u1ed9 nh\u1ea5t \u0111\u1ecbnh, th\u00ec n\u00f3 s\u1ebd mang t\u00ednh ch\u1ea5t c\u1ee7a m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ea7u t\u01b0 (s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh) h\u01a1n l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n (kh\u00f4ng ph\u1ea3i ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p kh\u00f4ng c\u00f3 bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb, n\u00f3 b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi t\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i v\u00e0 tr\u1edf th\u00e0nh \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ea7u t\u01b0 trong ph\u1ea1m vi \u0111\u00f3, nh\u01b0ng ch\u1ee9c n\u0103ng ch\u00ednh l\u00e0 ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng thay \u0111\u1ed5i).<\/p>\n\n\n\n<p>Th\u1ef1c t\u1ebf, kh\u00f4ng \u00edt ng\u01b0\u1eddi c\u00f3 c\u1ea3m gi\u00e1c r\u1eb1ng t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o) l\u00e0 m\u1ed9t &#8220;\u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ea7u t\u01b0 (s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh)&#8221;.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dinh_nghia_phap_ly_cua_tai_san_ma_hoa_tien_ao\"><\/span>\u0110\u1ecbnh ngh\u0129a ph\u00e1p l\u00fd c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Theo ph\u00e1p lu\u1eadt, ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ea7u t\u01b0 (s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh) c\u00f3 c\u00e1c lu\u1eadt \u00e1p d\u1ee5ng kh\u00e1c nhau nh\u01b0 sau, v\u00ec v\u1eady, vi\u1ec7c x\u00e1c \u0111\u1ecbnh t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o) ch\u1ee7 y\u1ebfu c\u00f3 t\u00ednh ch\u1ea5t n\u00e0o l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng.<\/p>\n\n\n\n<ul class=\"has-background\" style=\"background-color:#eeeeee\">\n<li>Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n \u2192 Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 (Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 Nh\u1eadt B\u1ea3n) \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng<\/li>\n\n\n\n<li>\u0110\u1ed1i t\u01b0\u1ee3ng \u0111\u1ea7u t\u01b0 (s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh) \u2192 Lu\u1eadt giao d\u1ecbch s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh (d\u01b0\u1edbi \u0111\u00e2y g\u1ecdi l\u00e0 &#8220;Lu\u1eadt giao d\u1ecbch s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh Nh\u1eadt B\u1ea3n&#8221;) \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng<\/li>\n<\/ul>\n\n\n\n<p>N\u00f3i m\u1ed9t c\u00e1ch ng\u1eafn g\u1ecdn, &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a trong Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7. N\u00f3i c\u00e1ch kh\u00e1c, \u00edt nh\u1ea5t v\u1ec1 m\u1eb7t ph\u00e1p l\u00fd, t\u00e0i s\u1ea3n m\u00e3 h\u00f3a \u0111\u01b0\u1ee3c gi\u1ea3 \u0111\u1ecbnh l\u00e0 c\u00f3 t\u00ednh ch\u1ea5t c\u1ee7a ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n.<\/p>\n\n\n\n<p>\u0110i\u1ec1u n\u00e0y r\u00f5 r\u00e0ng t\u1eeb ng\u00f4n t\u1eeb c\u1ee7a \u0111i\u1ec1u kho\u1ea3n. H\u00e3y xem \u0111i\u1ec1u kho\u1ea3n th\u1ef1c t\u1ebf.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>&#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; trong lu\u1eadt n\u00e0y c\u00f3 ngh\u0129a l\u00e0 nh\u1eefng \u0111i\u1ec1u sau \u0111\u00e2y. <sub>a<\/sub><span style=\"text-decoration: underline\">Tuy nhi\u00ean, ngo\u1ea1i tr\u1eeb nh\u1eefng th\u1ee9 bi\u1ec3u th\u1ecb quy\u1ec1n chuy\u1ec3n giao h\u1ed3 s\u01a1 \u0111i\u1ec7n t\u1eed quy \u0111\u1ecbnh trong \u0110i\u1ec1u 2, Kho\u1ea3n 3 c\u1ee7a Lu\u1eadt giao d\u1ecbch s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh (Lu\u1eadt s\u1ed1 25 n\u0103m 1948)<\/span><\/p>\n\n\n\n<p>1. <sub>b<\/sub><span style=\"text-decoration: underline\">Mua h\u00e0ng h\u00f3a, thu\u00ea ho\u1eb7c nh\u1eadn d\u1ecbch v\u1ee5, trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 thanh to\u00e1n gi\u00e1 c\u1ea3 cho ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh<\/span>, v\u00e0 c\u00f3 th\u1ec3 mua v\u00e0 b\u00e1n v\u1edbi ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh l\u00e0m \u0111\u1ed1i t\u00e1c, gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n (gi\u1edbi h\u1ea1n cho nh\u1eefng th\u1ee9 \u0111\u01b0\u1ee3c ghi l\u1ea1i b\u1eb1ng ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec7n t\u1eed tr\u00ean thi\u1ebft b\u1ecb \u0111i\u1ec7n t\u1eed ho\u1eb7c v\u1eadt kh\u00e1c, kh\u00f4ng bao g\u1ed3m ti\u1ec1n t\u1ec7 trong n\u01b0\u1edbc v\u00e0 ngo\u1ea1i t\u1ec7 c\u0169ng nh\u01b0 t\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7. C\u00f9ng trong m\u1ee5c ti\u1ebfp theo.) c\u00f3 th\u1ec3 chuy\u1ec3n giao b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng t\u1ed5 ch\u1ee9c x\u1eed l\u00fd th\u00f4ng tin \u0111i\u1ec7n t\u1eed<\/p>\n\n\n\n<p>2. Gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u00f3 th\u1ec3 trao \u0111\u1ed5i v\u1edbi ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh l\u00e0m \u0111\u1ed1i t\u00e1c v\u1edbi nh\u1eefng th\u1ee9 \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea \u1edf tr\u00ean v\u00e0 c\u00f3 th\u1ec3 chuy\u1ec3n giao b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng t\u1ed5 ch\u1ee9c x\u1eed l\u00fd th\u00f4ng tin \u0111i\u1ec7n t\u1eed<\/p>\n<cite>\u0110i\u1ec1u 2, Kho\u1ea3n 14 c\u1ee7a Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 (\u203b Ph\u1ea7n g\u1ea1ch ch\u00e2n ab do t\u00e1c gi\u1ea3 th\u00eam v\u00e0o)<\/cite><\/blockquote>\n\n\n\n<p>Ph\u1ea7n g\u1ea1ch ch\u00e2n a &#8220;quy\u1ec1n chuy\u1ec3n giao h\u1ed3 s\u01a1 \u0111i\u1ec7n t\u1eed&#8221; l\u00e0 s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c coi l\u00e0 ch\u1ee9ng kho\u00e1n theo Lu\u1eadt giao d\u1ecbch s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh, v\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c lo\u1ea1i tr\u1eeb kh\u1ecfi \u0111\u1ecbnh ngh\u0129a c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a. N\u00f3i c\u00e1ch kh\u00e1c, nh\u1eefng th\u1ee9 c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ea7u t\u01b0 (s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh) b\u1ea3n th\u00e2n ch\u00fang \u0111\u00e3 \u0111\u01b0\u1ee3c lo\u1ea1i tr\u1eeb r\u00f5 r\u00e0ng kh\u1ecfi \u0111\u1ecbnh ngh\u0129a c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a, v\u00e0 m\u1eb7t kh\u00e1c, ph\u1ea7n g\u1ea1ch ch\u00e2n b \u0111\u00e3 r\u00f5 r\u00e0ng ch\u1ec9 ra r\u1eb1ng t\u00ednh ch\u1ea5t ch\u00ednh c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a l\u00e0 thanh to\u00e1n.<\/p>\n\n\n\n<p class=\"has-text-align-left\">B\u00e0i vi\u1ebft li\u00ean quan: <a href=\"https:\/\/Monolith.law\/corporate\/sto-securitytoken\" target=\"_blank\" rel=\"noreferrer noopener\">S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa STO v\u00e0 ICO l\u00e0 g\u00ec? Gi\u1ea3i th\u00edch v\u1ec1 kh\u00e1i ni\u1ec7m token b\u1ea3o m\u1eadt v\u00e0 \u00fd ngh\u0129a c\u1ee7a STO[ja]<\/a><br>B\u00e0i vi\u1ebft li\u00ean quan: <a href=\"https:\/\/Monolith.law\/corporate\/cryptoassets-regulation#%E3%83%93%E3%83%83%E3%83%88%E3%82%B3%E3%82%A4%E3%83%B3%E5%9E%8B%E3%81%AB%E3%81%A4%E3%81%84%E3%81%A6\" target=\"_blank\" rel=\"noreferrer noopener\">Quy \u0111\u1ecbnh v\u1ec1 t\u00e0i s\u1ea3n m\u00e3 h\u00f3a l\u00e0 g\u00ec? Gi\u1ea3i th\u00edch v\u1ec1 m\u1ed1i quan h\u1ec7 gi\u1eefa Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 v\u00e0 Lu\u1eadt giao d\u1ecbch s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh[ja]<\/a><\/p>\n\n\n\n<p>T\u00f3m l\u1ea1i, &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; theo ph\u00e1p lu\u1eadt l\u00e0 nh\u1eefng th\u1ee9 kh\u00f4ng bi\u1ec3u th\u1ecb &#8220;quy\u1ec1n chuy\u1ec3n giao h\u1ed3 s\u01a1 \u0111i\u1ec7n t\u1eed&#8221; theo Lu\u1eadt giao d\u1ecbch s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh, m\u00e0 l\u00e0 nh\u1eefng th\u1ee9 thu\u1ed9c v\u1ec1 m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u sau \u0111\u00e2y.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">T\u00e0i s\u1ea3n m\u00e3 h\u00f3a s\u1ed1 1<\/td><td class=\"has-text-align-left\" data-align=\"left\"><span style=\"text-decoration: underline\">Gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u00e1p \u1ee9ng t\u1ea5t c\u1ea3 c\u00e1c t\u00ednh ch\u1ea5t sau \u0111\u00e2y<\/span><br>\u2780 C\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n gi\u00e1 c\u1ea3 cho ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh, v\u00e0 c\u00f3 th\u1ec3 trao \u0111\u1ed5i v\u1edbi ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p v\u1edbi ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh l\u00e0m \u0111\u1ed1i t\u00e1c<br>\u2781 C\u00f3 th\u1ec3 ghi l\u1ea1i v\u00e0 chuy\u1ec3n giao \u0111i\u1ec7n t\u1eed<br>\u2462 Kh\u00f4ng ph\u1ea3i l\u00e0 ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p ho\u1eb7c t\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">T\u00e0i s\u1ea3n m\u00e3 h\u00f3a s\u1ed1 2<\/td><td class=\"has-text-align-left\" data-align=\"left\">Gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u00f3 th\u1ec3 trao \u0111\u1ed5i v\u1edbi t\u00e0i s\u1ea3n m\u00e3 h\u00f3a s\u1ed1 1 v\u1edbi ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh l\u00e0m \u0111\u1ed1i t\u00e1c, v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c t\u00ednh ch\u1ea5t \u2781 v\u00e0 \u2462<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-left has-background has-small-font-size\" style=\"background-color:#eeeeee\">\u2666<em><span style=\"text-decoration: underline\">T\u1eeb &#8220;ti\u1ec1n \u1ea3o&#8221; \u0111\u1ebfn &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221;<\/span><\/em><br>Tr\u01b0\u1edbc \u0111\u00e2y, t\u1eeb &#8220;ti\u1ec1n \u1ea3o (virtual currency)&#8221; th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ch\u1ec9 &#8220;t\u00e0i s\u1ea3n tr\u00ean d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong giao d\u1ecbch \u0111i\u1ec7n t\u1eed&#8221;. Tuy nhi\u00ean, c\u00f3 lo ng\u1ea1i r\u1eb1ng vi\u1ec7c g\u1ecdi l\u00e0 &#8220;ti\u1ec1n t\u1ec7&#8221; d\u00f9 gi\u00e1 tr\u1ecb kh\u00f4ng \u1ed5n \u0111\u1ecbnh c\u00f3 th\u1ec3 g\u00e2y nh\u1ea7m l\u1eabn v\u1edbi ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p nh\u01b0 y\u00ean ho\u1eb7c \u0111\u00f4 la. Do \u0111\u00f3, xem x\u00e9t vi\u1ec7c &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (crypto asset)&#8221; tr\u1edf th\u00e0nh bi\u1ec3u hi\u1ec7n ph\u1ed5 bi\u1ebfn t\u1ea1i c\u00e1c h\u1ed9i ngh\u1ecb qu\u1ed1c t\u1ebf, trong s\u1eeda \u0111\u1ed5i lu\u1eadt n\u0103m 2019 (n\u0103m 2019), Nh\u1eadt B\u1ea3n c\u0169ng \u0111\u00e3 thay \u0111\u1ed5i t\u1eeb &#8220;ti\u1ec1n \u1ea3o&#8221; th\u00e0nh &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; trong v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt.<br> Ngo\u00e0i ra, trong s\u1eeda \u0111\u1ed5i Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 n\u0103m 2019, &#8220;qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; (ng\u00e0nh kinh doanh custodian) \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00eam v\u00e0o nh\u01b0 m\u1ed9t h\u00e0nh vi \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd c\u1ee7a ng\u00e0nh kinh doanh trao \u0111\u1ed5i t\u00e0i s\u1ea3n m\u00e3 h\u00f3a, v\u00e0 quy \u0111\u1ecbnh \u0111\u00e3 \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng r\u1ea5t r\u1ed9ng.<\/p>\n\n\n\n<p class=\"has-text-align-left has-medium-font-size\">B\u00e0i vi\u1ebft li\u00ean quan: <a href=\"https:\/\/Monolith.law\/corporate\/cryptocurrency-custody\" target=\"_blank\" rel=\"noreferrer noopener\">Custodian l\u00e0 g\u00ec? Gi\u1ea3i th\u00edch v\u1ec1 quy \u0111\u1ecbnh \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi kinh doanh trao \u0111\u1ed5i t\u00e0i s\u1ea3n m\u00e3 h\u00f3a[ja]<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dien_tu_tien_mat_la_gi\"><\/span>\u0110i\u1ec7n t\u1eed ti\u1ec1n m\u1eb7t l\u00e0 g\u00ec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" width=\"735\" height=\"490\" src=\"https:\/\/monolith.law\/vi\/wp-content\/uploads\/sites\/17\/2025\/12\/comparision-electronicmoney-virtualcurrency-2.jpg\" alt=\"\" class=\"wp-image-72274\" style=\"aspect-ratio:1.5;width:840px;height:auto\" srcset=\"https:\/\/monolith.law\/vi\/wp-content\/uploads\/sites\/17\/2025\/12\/comparision-electronicmoney-virtualcurrency-2.jpg 735w, https:\/\/monolith.law\/vi\/wp-content\/uploads\/sites\/17\/2025\/12\/comparision-electronicmoney-virtualcurrency-2-300x200.jpg 300w, https:\/\/monolith.law\/vi\/wp-content\/uploads\/sites\/17\/2025\/12\/comparision-electronicmoney-virtualcurrency-2-250x167.jpg 250w\" sizes=\"(max-width: 735px) 100vw, 735px\" \/><\/figure>\n\n\n\n<p>&#8220;\u0110i\u1ec7n t\u1eed ti\u1ec1n m\u1eb7t&#8221; l\u00e0 t\u1eeb \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn \u0111\u1ec3 ch\u1ec9 c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n \u0111i\u1ec7n t\u1eed nh\u01b0 th\u1ebb IC giao th\u00f4ng hay d\u1ecbch v\u1ee5 thanh to\u00e1n QR code, nh\u01b0ng \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 kh\u00e1i ni\u1ec7m theo lu\u1eadt ph\u00e1p.<\/p>\n\n\n\n<p>C\u00f3 nhi\u1ec1u h\u00ecnh th\u1ee9c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c g\u1ecdi chung l\u00e0 &#8220;\u0111i\u1ec7n t\u1eed ti\u1ec1n m\u1eb7t&#8221;, nh\u01b0 sau, v\u00e0 do c\u01a1 ch\u1ebf c\u1ee7a ch\u00fang m\u00e0 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd \u00e1p d\u1ee5ng kh\u00e1c nhau, n\u00ean c\u1ea7n l\u01b0u \u00fd.<\/p>\n\n\n\n<ul class=\"has-background\" style=\"background-color:#eeeeee\">\n<li>Lo\u1ea1i tr\u1ea3 tr\u01b0\u1edbc (Prepaid) = &#8220;Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc&#8221; (Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 c\u1ee7a Nh\u1eadt B\u1ea3n)<\/li>\n\n\n\n<li>Lo\u1ea1i tr\u1ea3 sau (Postpay) = &#8220;D\u1ecbch v\u1ee5 m\u00f4i gi\u1edbi mua h\u00e0ng tr\u1ea3 g\u00f3p to\u00e0n di\u1ec7n&#8221; (Lu\u1eadt b\u00e1n h\u00e0ng tr\u1ea3 g\u00f3p c\u1ee7a Nh\u1eadt B\u1ea3n)<\/li>\n\n\n\n<li>Lo\u1ea1i thanh to\u00e1n ngay (Debit) = &#8220;Ti\u1ec1n g\u1eedi&#8221; ho\u1eb7c &#8220;Giao d\u1ecbch ngo\u1ea1i h\u1ed1i&#8221; (Lu\u1eadt ng\u00e2n h\u00e0ng, Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 c\u1ee7a Nh\u1eadt B\u1ea3n)<\/li>\n<\/ul>\n\n\n<p><!-- \/wp:list --><br \/><!-- wp:heading --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Su_khac_biet_giua_tai_san_ma_hoa_va_tien_dien_tu\"><\/span>S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa t\u00e0i s\u1ea3n m\u00e3 h\u00f3a v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Khi xem x\u00e9t s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa t\u00e0i s\u1ea3n m\u00e3 h\u00f3a v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i nh\u1eadn bi\u1ebft s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa kh\u00e1i ni\u1ec7m &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; \u0111\u00e3 \u0111\u1ec1 c\u1eadp tr\u01b0\u1edbc \u0111\u00f3 v\u00e0 c\u00e1c kh\u00e1i ni\u1ec7m kh\u00e1c tr\u00ean c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, \u0111\u1eb7c bi\u1ec7t l\u00e0 s\u1ef1 kh\u00e1c bi\u1ec7t v\u1edbi &#8220;ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc&#8221; v\u00e0 &#8220;giao d\u1ecbch ngo\u1ea1i h\u1ed1i&#8221;, \u0111\u1ec1u l\u00e0 c\u00e1c kh\u00e1i ni\u1ec7m trong Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 c\u1ee7a Nh\u1eadt B\u1ea3n.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Ngo\u00e0i ra, trong Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 s\u1eeda \u0111\u1ed5i \u0111\u01b0\u1ee3c th\u00f4ng qua v\u00e0o n\u0103m Reiwa 4 (2022), Stablecoin \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh m\u1edbi nh\u01b0 m\u1ed9t &#8220;ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed&#8221;. Do \u0111\u00f3, ch\u00fang t\u00f4i c\u0169ng s\u1ebd gi\u1ea3i th\u00edch ng\u1eafn g\u1ecdn v\u1ec1 s\u1ef1 kh\u00e1c bi\u1ec7t v\u1edbi &#8220;ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed&#8221; (Stablecoin).<\/p>\n<p><!-- \/wp:paragraph --><br \/><!-- wp:heading {\"level\":3} --><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E2%80%9CTai_san_ma_hoa%E2%80%9D_va_%E2%80%9CPhuong_thuc_thanh_toan_tra_truoc%E2%80%9D\"><\/span>&#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; v\u00e0 &#8220;Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>V\u00ed d\u1ee5 v\u1ec1 ti\u1ec1n \u0111i\u1ec7n t\u1eed d\u1ea1ng tr\u1ea3 tr\u01b0\u1edbc (prepaid) bao g\u1ed3m c\u00e1c lo\u1ea1i th\u1ebb nh\u01b0 Suica hay PASMO, c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 th\u1ebb IC giao th\u00f4ng. Nh\u1eefng lo\u1ea1i th\u1ebb n\u00e0y thu\u1ed9c v\u1ec1 &#8220;Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc&#8221; theo &#8220;Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 c\u1ee7a Nh\u1eadt B\u1ea3n&#8221; (Japanese Funds Settlement Law), v\u00e0 c\u1ea7n ph\u1ea3i \u0111\u0103ng k\u00fd ho\u1eb7c th\u00f4ng b\u00e1o tr\u01b0\u1edbc khi ph\u00e1t h\u00e0nh.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph {\"align\":\"left\"} --><\/p>\n<p class=\"has-text-align-left\">B\u00e0i vi\u1ebft li\u00ean quan: <a href=\"https:\/\/Monolith.law\/corporate\/prepaid-payment-method\" target=\"_blank\" rel=\"noreferrer noopener\">Tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec3m t\u1ef1 ph\u00e1t h\u00e0nh t\u01b0\u01a1ng \u1ee9ng v\u1edbi ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc theo Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7[ja]<\/a><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>So s\u00e1nh y\u00eau c\u1ea7u c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a v\u00e0 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc, ch\u00fang ta c\u00f3 b\u1ea3ng sau:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:table {\"hasFixedLayout\":true,\"className\":\"is-style-regular\"} --><\/p>\n<figure class=\"wp-block-table is-style-regular\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th class=\"has-text-align-left\" data-align=\"left\">Y\u00eau c\u1ea7u c\u1ee7a &#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221;<\/th>\n<th class=\"has-text-align-left\" data-align=\"left\">Y\u00eau c\u1ea7u c\u1ee7a &#8220;Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc&#8221;<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2780 C\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n cho <span style=\"text-decoration: underline\">ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh<\/span>, v\u00e0 c\u00f3 th\u1ec3 \u0111\u1ed5i l\u1ea5y ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p v\u1edbi ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2460 C\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n cho <span style=\"text-decoration: underline\">ng\u01b0\u1eddi ph\u00e1t h\u00e0nh ho\u1eb7c t\u01b0\u01a1ng t\u1ef1<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2781 C\u00f3 th\u1ec3 ghi ch\u00e9p v\u00e0 chuy\u1ec3n \u0111\u1ed5i \u0111i\u1ec7n t\u1eed<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2461 Gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n nh\u01b0 s\u1ed1 l\u01b0\u1ee3ng, s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c ghi ch\u00e9p ho\u1eb7c ghi ch\u00fa<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2462 Kh\u00f4ng ph\u1ea3i l\u00e0 ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p ho\u1eb7c t\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2462 \u0110\u01b0\u1ee3c ph\u00e1t h\u00e0nh \u0111\u1ec3 nh\u1eadn gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u1ee9ng v\u1edbi s\u1ed1 l\u01b0\u1ee3ng, s\u1ed1 ti\u1ec1n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><!-- \/wp:table --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>C\u1ea3 hai \u0111\u1ec1u c\u00f3 \u0111i\u1ec3m chung l\u00e0 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Ng\u01b0\u1ee3c l\u1ea1i, t\u00e0i s\u1ea3n m\u00e3 h\u00f3a c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng cho &#8220;ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh&#8221;, trong khi ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc ch\u1ec9 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng cho &#8220;ng\u01b0\u1eddi ph\u00e1t h\u00e0nh ho\u1eb7c t\u01b0\u01a1ng t\u1ef1&#8221;. N\u00f3i c\u00e1ch kh\u00e1c, v\u1ec1 c\u01a1 b\u1ea3n, ng\u01b0\u1eddi c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ph\u1ee5 thu\u1ed9c v\u00e0o ng\u01b0\u1eddi ph\u00e1t h\u00e0nh, \u0111i\u1ec1u n\u00e0y t\u1ea1o ra s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa hai lo\u1ea1i n\u00e0y (<a href=\"https:\/\/www.fsa.go.jp\/common\/law\/guide\/kaisya\/16.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">H\u01b0\u1edbng d\u1eabn v\u1ec1 ho\u1ea1t \u0111\u1ed9ng trao \u0111\u1ed5i t\u00e0i s\u1ea3n m\u00e3 h\u00f3a[ja]<\/a> I-1-1\u2460\u2461).<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Ngo\u00e0i ra, m\u1ed9t y\u00eau c\u1ea7u c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a l\u00e0 n\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 t\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7, nh\u01b0ng nh\u01b0 d\u01b0\u1edbi \u0111\u00e2y, ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc c\u00f3 th\u1ec3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7, v\u00ec v\u1eady ch\u00fang ta c\u00f3 th\u1ec3 n\u00f3i r\u1eb1ng ch\u00fang kh\u00e1c nhau \u1edf \u0111i\u1ec3m n\u00e0y.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:quote --><\/p>\n<blockquote class=\"wp-block-quote\">\n<p><!-- wp:paragraph --><\/p>\n<p><em>&#8220;T\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7&#8221; l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m bao g\u1ed3m kh\u00f4ng ch\u1ec9 nh\u1eefng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n cho ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh, c\u00f3 th\u1ec3 mua v\u00e0 b\u00e1n, m\u00e0 c\u00f2n bao g\u1ed3m c\u1ea3 nh\u1eefng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n kh\u00e1c, nh\u01b0 Stablecoin hay ti\u1ec1n \u0111i\u1ec7n t\u1eed, c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n cho ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh, c\u0169ng nh\u01b0 tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7, tr\u00e1i phi\u1ebfu c\u00f4ng ty, ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ea3 tr\u01b0\u1edbc, v.v.<\/em><\/p>\n<p><!-- \/wp:paragraph --><br \/><cite><a href=\"https:\/\/www.fsa.go.jp\/singi\/singi_kinyu\/tosin\/20220111\/houkoku.pdf\">B\u00e1o c\u00e1o c\u1ee7a Nh\u00f3m l\u00e0m vi\u1ec7c v\u1ec1 thanh to\u00e1n ti\u1ec1n t\u1ec7 c\u1ee7a H\u1ed9i \u0111\u1ed3ng t\u00e0i ch\u00ednh Nh\u1eadt B\u1ea3n (Ng\u00e0y 11 th\u00e1ng 1 n\u0103m 2022)[ja]<\/a> trang 17, ch\u00fa th\u00edch 61<\/cite><\/p>\n<\/blockquote>\n<p><!-- \/wp:quote --><br \/><!-- wp:heading {\"level\":3} --><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E2%80%9CTai_san_ma_hoa%E2%80%9D_va_%E2%80%9CGiao_dich_ngoai_hoi%E2%80%9D\"><\/span>&#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; v\u00e0 &#8220;Giao d\u1ecbch ngo\u1ea1i h\u1ed1i&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>V\u00ed d\u1ee5 v\u1ec1 ti\u1ec1n \u0111i\u1ec7n t\u1eed d\u1ea1ng thanh to\u00e1n ngay (debit) bao g\u1ed3m QUICPay\u2122 v\u00e0 iD, \u0111i\u1ec3m kh\u00e1c bi\u1ec7t so v\u1edbi d\u1ea1ng tr\u1ea3 tr\u01b0\u1edbc l\u00e0 kh\u00f4ng c\u1ea7n n\u1ea1p ti\u1ec1n tr\u01b0\u1edbc.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>N\u00f3i c\u00e1ch kh\u00e1c, \u0111\u00e2y l\u00e0 c\u01a1 ch\u1ebf cho ph\u00e9p chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, v.v. \u0111\u1ebfn b\u00ean nh\u1eadn. C\u01a1 ch\u1ebf n\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong &#8220;Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7&#8221; c\u1ee7a Nh\u1eadt B\u1ea3n nh\u01b0 m\u1ed9t &#8220;giao d\u1ecbch ngo\u1ea1i h\u1ed1i&#8221;, v\u00e0 \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch ngo\u1ea1i h\u1ed1i nh\u01b0 m\u1ed9t ngh\u1ec1 nghi\u1ec7p, b\u1ea1n c\u1ea7n \u0111\u0103ng k\u00fd l\u00e0m &#8220;nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n&#8221;.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>&#8220;Giao d\u1ecbch ngo\u1ea1i h\u1ed1i&#8221; \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a trong ph\u00e1n quy\u1ebft nh\u01b0 sau:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:quote --><\/p>\n<blockquote class=\"wp-block-quote\">\n<p><!-- wp:paragraph --><\/p>\n<p>&#8220;Th\u1ef1c hi\u1ec7n giao d\u1ecbch ngo\u1ea1i h\u1ed1i&#8221; ngh\u0129a l\u00e0 nh\u1eadn y\u00eau c\u1ea7u t\u1eeb kh\u00e1ch h\u00e0ng \u0111\u1ec3 chuy\u1ec3n ti\u1ec1n m\u00e0 kh\u00f4ng c\u1ea7n v\u1eadn chuy\u1ec3n ti\u1ec1n m\u1eb7t tr\u1ef1c ti\u1ebfp gi\u1eefa c\u00e1c \u0111\u1ecba \u0111i\u1ec3m s\u1eed d\u1ee5ng <span style=\"text-decoration: underline\">c\u01a1 ch\u1ebf chuy\u1ec3n ti\u1ec1n<\/span>, ho\u1eb7c ch\u1ea5p nh\u1eadn v\u00e0 th\u1ef1c hi\u1ec7n y\u00eau c\u1ea7u n\u00e0y.<\/p>\n<p><!-- \/wp:paragraph --><br \/><cite>Ph\u00e1n quy\u1ebft ng\u00e0y 12 th\u00e1ng 3 n\u0103m 2001 (n\u0103m 2001 theo l\u1ecbch Gregory)<\/cite><\/p>\n<\/blockquote>\n<p><!-- \/wp:quote --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>M\u1ed1i li\u00ean h\u1ec7 v\u1edbi t\u00e0i s\u1ea3n m\u00e3 h\u00f3a c\u00f3 th\u1ec3 h\u01a1i kh\u00f3 hi\u1ec3u, nh\u01b0ng t\u00e0i s\u1ea3n m\u00e3 h\u00f3a, nh\u01b0 \u0111\u00e3 n\u00f3i \u1edf tr\u00ean, l\u00e0 m\u1ed9t c\u01a1 ch\u1ebf cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng tr\u1ef1c ti\u1ebfp chuy\u1ec3n ti\u1ec1n cho nhau tr\u00ean blockchain. N\u00f3i c\u00e1ch kh\u00e1c, n\u1ebfu t\u00e0i s\u1ea3n m\u00e3 h\u00f3a c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 &#8220;ti\u1ec1n&#8221; theo \u0111\u1ecbnh ngh\u0129a tr\u00ean, th\u00ec ch\u00ednh c\u01a1 ch\u1ebf s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n m\u00e3 h\u00f3a s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi &#8220;giao d\u1ecbch ngo\u1ea1i h\u1ed1i&#8221;, v\u00e0 vi\u1ec7c \u0111\u0103ng k\u00fd l\u00e0m nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n s\u1ebd lu\u00f4n c\u1ea7n thi\u1ebft khi th\u1ef1c hi\u1ec7n giao d\u1ecbch t\u00e0i s\u1ea3n m\u00e3 h\u00f3a.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>V\u1ea5n \u0111\u1ec1 ch\u00ednh l\u00e0 li\u1ec7u t\u00e0i s\u1ea3n m\u00e3 h\u00f3a c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1ecbnh ngh\u0129a c\u1ee7a &#8220;ti\u1ec1n&#8221; hay kh\u00f4ng.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>V\u1ec1 \u0111i\u1ec3m n\u00e0y, &#8220;ti\u1ec1n&#8221; th\u00f4ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 ti\u1ec1n m\u1eb7t v\u00e0 nh\u1eefng th\u1ee9 c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng \u0111\u1ed5i th\u00e0nh ti\u1ec1n m\u1eb7t (v\u00ed d\u1ee5: ti\u1ec1n g\u1eedi, ngo\u1ea1i t\u1ec7). Th\u1eadt v\u1eady, t\u00e0i s\u1ea3n m\u00e3 h\u00f3a c\u00f3 th\u1ec3 \u0111\u1ed5i th\u00e0nh ti\u1ec1n m\u1eb7t, nh\u01b0ng do bi\u1ebfn \u0111\u1ed9ng l\u1edbn, kh\u00f4ng th\u1ec3 n\u00f3i r\u1eb1ng n\u00f3 c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng \u0111\u1ed5i th\u00e0nh ti\u1ec1n m\u1eb7t, do \u0111\u00f3, n\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c coi l\u00e0 &#8220;ti\u1ec1n&#8221;.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Tuy nhi\u00ean, trong <a title=\"H\u01b0\u1edbng d\u1eabn v\u1ec1 giao d\u1ecbch t\u00e0i s\u1ea3n m\u00e3 h\u00f3a\" href=\"https:\/\/www.fsa.go.jp\/common\/law\/guide\/kaisya\/16.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">H\u01b0\u1edbng d\u1eabn v\u1ec1 giao d\u1ecbch t\u00e0i s\u1ea3n m\u00e3 h\u00f3a[ja]<\/a> ph\u1ea7n I-1-2-2\u2463, c\u00f3 ghi:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:quote --><\/p>\n<blockquote class=\"wp-block-quote\">\n<p><!-- wp:paragraph --><\/p>\n<p>N\u1ebfu ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n giao d\u1ecbch t\u00e0i s\u1ea3n m\u00e3 h\u00f3a nh\u1eadn y\u00eau c\u1ea7u chuy\u1ec3n ti\u1ec1n m\u1eb7t v\u00e0 ch\u1ea5p nh\u1eadn ho\u1eb7c th\u1ef1c hi\u1ec7n y\u00eau c\u1ea7u n\u00e0y, h\u1ecd c\u00f3 th\u1ec3 c\u1ea7n \u0111\u0103ng k\u00fd l\u00e0m nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n theo \u0111i\u1ec1u 37 c\u1ee7a lu\u1eadt.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<\/blockquote>\n<p><!-- \/wp:quote --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>C\u00f3 m\u1ed9t ghi ch\u00fa r\u1eb1ng c\u1ea7n ph\u1ea3i c\u1ea9n th\u1eadn v\u00ec c\u00f3 kh\u1ea3 n\u0103ng giao d\u1ecbch ngo\u1ea1i h\u1ed1i s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi c\u01a1 ch\u1ebf d\u1ec5 d\u00e0ng ho\u00e0n tr\u1ea3 ti\u1ec1n m\u1eb7t k\u00e8m theo giao d\u1ecbch t\u00e0i s\u1ea3n m\u00e3 h\u00f3a.<!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Su_khac_biet_giua_%E2%80%9CTai_san_ma_hoa%E2%80%9D_va_%E2%80%9CPhuong_tien_thanh_toan_dien_tu%E2%80%9D_Stablecoin\"><\/span>S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa &#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; v\u00e0 &#8220;Ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed&#8221; (Stablecoin)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>&#8220;Stablecoin&#8221;, m\u1eb7c d\u00f9 kh\u00f4ng ph\u1ea3i l\u00e0 thu\u1eadt ng\u1eef ph\u00e1p l\u00fd, nh\u01b0ng th\u00f4ng th\u01b0\u1eddng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 &#8220;t\u00e0i s\u1ea3n s\u1ed1 (t\u00e0i s\u1ea3n theo ph\u01b0\u01a1ng th\u1ee9c s\u1ed1) v\u1edbi m\u1ee5c \u0111\u00edch duy tr\u00ec gi\u00e1 tr\u1ecb \u1ed5n \u0111\u1ecbnh, s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 nh\u01b0 blockchain, v\u00e0 li\u00ean k\u1ebft v\u1edbi t\u00e0i s\u1ea3n c\u1ee5 th\u1ec3&#8221;.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph {\"align\":\"center\",\"fontSize\":\"small\"} --><\/p>\n<p class=\"has-text-align-center has-small-font-size\">Tham kh\u1ea3o: <a title=\"\" href=\"https:\/\/www.fsa.go.jp\/singi\/singi_kinyu\/tosin\/20220111\/houkoku.pdf\" target=\"_blank\" rel=\"noopener\">B\u00e1o c\u00e1o c\u1ee7a Nh\u00f3m l\u00e0m vi\u1ec7c v\u1ec1 thanh to\u00e1n ti\u1ec1n t\u1ec7 c\u1ee7a C\u01a1 quan T\u00e0i ch\u00ednh Nh\u1eadt B\u1ea3n v\u00e0 H\u1ed9i \u0111\u1ed3ng T\u00e0i ch\u00ednh (ng\u00e0y 11 th\u00e1ng 1 n\u0103m 2022)[ja]<\/a><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>\u0110\u1eb7c \u0111i\u1ec3m l\u1edbn nh\u1ea5t c\u1ee7a Stablecoin l\u00e0 gi\u00e1 tr\u1ecb \u1ed5n \u0111\u1ecbnh, t\u1ee9c l\u00e0 bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb th\u1ea5p. Tuy nhi\u00ean, t\u00e0i s\u1ea3n li\u00ean k\u1ebft c\u00f3 th\u1ec3 l\u00e0 nhi\u1ec1u lo\u1ea1i kh\u00e1c nhau (ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p, h\u00e0ng h\u00f3a nh\u01b0 v\u00e0ng v\u00e0 d\u1ea7u m\u1ecf, s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh, t\u00e0i s\u1ea3n m\u00e3 h\u00f3a, v.v.), v\u00e0 c\u01a1 ch\u1ebf v\u00e0 m\u1ee9c \u0111\u1ed9 gi\u00e1 tr\u1ecb \u1ed5n \u0111\u1ecbnh s\u1ebd kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o t\u00e0i s\u1ea3n \u0111\u00f3.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Ngo\u00e0i ra, quy \u0111\u1ecbnh ph\u00e1p l\u00fd v\u1ec1 Stablecoin tr\u01b0\u1edbc \u0111\u00e2y \u0111\u01b0\u1ee3c cho l\u00e0 s\u1ebd \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i t\u00e0i s\u1ea3n li\u00ean k\u1ebft.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list {\"style\":{\"color\":{\"background\":\"#eeeeee\"}}} --><\/p>\n<ul class=\"has-background\" style=\"background-color: #eeeeee\">\n<li style=\"list-style-type: none\">\n<ul class=\"has-background\" style=\"background-color: #eeeeee\"><!-- wp:list-item -->\n<li><span style=\"text-decoration: underline\">Lo\u1ea1i gi\u1ed1ng ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/span>:<br \/>Ph\u00e1t h\u00e0nh v\u1edbi gi\u00e1 li\u00ean k\u1ebft v\u1edbi gi\u00e1 tr\u1ecb c\u1ee7a ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p (v\u00ed d\u1ee5: 1 coin = 1 y\u00ean) v\u00e0 cam k\u1ebft tr\u1ea3 l\u1ea1i v\u1edbi gi\u00e1 ph\u00e1t h\u00e0nh<\/li>\n<li><span style=\"text-decoration: underline\">Lo\u1ea1i t\u00e0i s\u1ea3n m\u00e3 h\u00f3a<\/span>:<br \/>C\u1ed1 g\u1eafng duy tr\u00ec gi\u00e1 tr\u1ecb \u1ed5n \u0111\u1ecbnh th\u00f4ng qua thu\u1eadt to\u00e1n tr\u00ean blockchain<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed, \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh m\u1edbi trong Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 s\u1eeda \u0111\u1ed5i n\u0103m 2022 (n\u0103m 2022), \u0111\u01b0\u1ee3c cho l\u00e0 ch\u1ec9 \u0111\u1ebfn Stablecoin lo\u1ea1i gi\u1ed1ng ti\u1ec1n \u0111i\u1ec7n t\u1eed, v\u00e0 \u0111\u1ec3 x\u1eed l\u00fd (mua b\u00e1n, trao \u0111\u1ed5i, qu\u1ea3n l\u00fd, v.v.) ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed, vi\u1ec7c \u0111\u0103ng k\u00fd l\u00e0m &#8220;Nh\u00e0 giao d\u1ecbch ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed&#8221; \u0111\u00e3 tr\u1edf n\u00ean c\u1ea7n thi\u1ebft.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Ng\u01b0\u1ee3c l\u1ea1i, Stablecoin lo\u1ea1i t\u00e0i s\u1ea3n m\u00e3 h\u00f3a, nh\u01b0 t\u00ean g\u1ecdi, c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i l\u00e0 &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221;.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>V\u00e0 khi so s\u00e1nh c\u00e1c y\u00eau c\u1ea7u ph\u00e1p l\u00fd c\u1ee7a &#8220;ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed&#8221; v\u00e0 &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221;, ch\u00fang nh\u01b0 sau:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:table {\"hasFixedLayout\":true,\"className\":\"is-style-regular\"} --><\/p>\n<figure class=\"wp-block-table is-style-regular\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th class=\"has-text-align-left\" data-align=\"left\">Y\u00eau c\u1ea7u c\u1ee7a &#8220;T\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221;<\/th>\n<th class=\"has-text-align-left\" data-align=\"left\">Y\u00eau c\u1ea7u c\u1ee7a &#8220;Ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed&#8221;<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2780 C\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n gi\u00e1 c\u1ea3 cho ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh, v\u00e0 c\u00f3 th\u1ec3 trao \u0111\u1ed5i v\u1edbi ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p v\u1edbi ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2460 C\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 thanh to\u00e1n gi\u00e1 c\u1ea3 cho ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh, v\u00e0 c\u00f3 th\u1ec3 mua\/b\u00e1n v\u1edbi ng\u01b0\u1eddi kh\u00f4ng x\u00e1c \u0111\u1ecbnh<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2781 C\u00f3 th\u1ec3 ghi ch\u00e9p v\u00e0 chuy\u1ec3n \u0111\u1ed5i \u0111i\u1ec7n t\u1eed<\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2461 C\u00f3 th\u1ec3 ghi ch\u00e9p v\u00e0 chuy\u1ec3n \u0111\u1ed5i \u0111i\u1ec7n t\u1eed<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2462 <span style=\"text-decoration: underline\">Kh\u00f4ng ph\u1ea3i l\u00e0 ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p ho\u1eb7c t\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7<\/span><\/td>\n<td class=\"has-text-align-left\" data-align=\"left\">\u2462 <span style=\"text-decoration: underline\">Ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf t\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><!-- \/wp:table --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Nh\u01b0 v\u1eady, t\u00e0i s\u1ea3n m\u00e3 h\u00f3a v\u00e0 ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed kh\u00e1c nhau \u1edf ch\u1ed7 li\u1ec7u ch\u00fang c\u00f3 ph\u1ea3i l\u00e0 t\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7 hay kh\u00f4ng. T\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7 \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a ph\u00e1p l\u00fd nh\u01b0 sau:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:quote --><\/p>\n<blockquote class=\"wp-block-quote\">\n<p><!-- wp:paragraph --><\/p>\n<p>Trong lu\u1eadt n\u00e0y, &#8220;t\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7&#8221; l\u00e0 t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c bi\u1ec3u th\u1ecb b\u1eb1ng ti\u1ec1n t\u1ec7 trong n\u01b0\u1edbc ho\u1eb7c ngo\u1ea1i t\u1ec7, ho\u1eb7c \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh l\u00e0 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5, ho\u00e0n tr\u1ea3 ho\u1eb7c c\u00e1c h\u00e0nh \u0111\u1ed9ng t\u01b0\u01a1ng t\u1ef1 (d\u01b0\u1edbi \u0111\u00e2y g\u1ecdi l\u00e0 &#8220;th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5, v.v.&#8221;) b\u1eb1ng ti\u1ec1n t\u1ec7 trong n\u01b0\u1edbc ho\u1eb7c ngo\u1ea1i t\u1ec7.<\/p>\n<p><!-- \/wp:paragraph --><br \/><cite>\u0110i\u1ec1u 2, m\u1ee5c 6 c\u1ee7a Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7<\/cite><\/p>\n<\/blockquote>\n<p><!-- \/wp:quote --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>N\u00f3i c\u00e1ch kh\u00e1c, n\u00f3 c\u00f3 ch\u1ee9c n\u0103ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 ti\u1ec1n t\u1ec7 h\u1ee3p ph\u00e1p v\u00e0 gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng n\u00f3 c\u00f3 gi\u00e1 tr\u1ecb \u1ed5n \u0111\u1ecbnh. Vi\u1ec7c l\u00e0 t\u00e0i s\u1ea3n d\u1ef1a tr\u00ean ti\u1ec1n t\u1ec7 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t y\u00eau c\u1ea7u th\u1ec3 hi\u1ec7n r\u00f5 r\u00e0ng t\u00ednh ch\u1ea5t \u1ed5n \u0111\u1ecbnh gi\u00e1 tr\u1ecb c\u1ee7a Stablecoin.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Ng\u01b0\u1ee3c l\u1ea1i, do \u0111\u00f3, ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed t\u01b0\u01a1ng \u1ee9ng v\u1edbi &#8220;ti\u1ec1n&#8221; trong giao d\u1ecbch ngo\u1ea1i h\u1ed1i \u0111\u00e3 n\u00eau tr\u01b0\u1edbc \u0111\u00f3, v\u00e0 \u0111\u1ec3 ph\u00e1t h\u00e0nh ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed, vi\u1ec7c \u0111\u0103ng k\u00fd l\u00e0m &#8220;Nh\u00e0 giao d\u1ecbch chuy\u1ec3n ti\u1ec1n&#8221; l\u00e0 c\u1ea7n thi\u1ebft.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>N\u00f3i c\u00e1ch kh\u00e1c, s\u1eeda \u0111\u1ed5i lu\u1eadt n\u0103m 2022 \u0111\u00e3 th\u00eam quy \u0111\u1ecbnh ph\u00e1p l\u00fd m\u1edbi li\u00ean quan \u0111\u1ebfn ng\u01b0\u1eddi m\u00f4i gi\u1edbi (ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed), v\u00ec \u0111\u00e3 \u0111\u01b0\u1ee3c cho l\u00e0 c\u00f3 th\u1ec3 c\u00f3 m\u00f4 h\u00ecnh kinh doanh m\u00e0 ng\u01b0\u1eddi ph\u00e1t h\u00e0nh v\u00e0 ng\u01b0\u1eddi m\u00f4i gi\u1edbi \u0111\u01b0\u1ee3c t\u00e1ch r\u1eddi, v\u00e0 quy \u0111\u1ecbnh h\u1ee3p l\u00fd ch\u1ec9 d\u00e0nh cho ng\u01b0\u1eddi m\u00f4i gi\u1edbi kh\u00f4ng t\u1ed3n t\u1ea1i, m\u1eb7c d\u00f9 quy \u0111\u1ecbnh ph\u00e1p l\u00fd hi\u1ec7n h\u00e0nh (giao d\u1ecbch ngo\u1ea1i h\u1ed1i) c\u00f3 th\u1ec3 h\u1ee3p l\u00fd \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ph\u00e1t h\u00e0nh Stablecoin.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph {\"align\":\"left\"} --><\/p>\n<p class=\"has-text-align-left\">B\u00e0i vi\u1ebft li\u00ean quan: <a href=\"https:\/\/Monolith.law\/corporate\/stablecoin-type\" target=\"_blank\" rel=\"noreferrer noopener\">Stablecoin l\u00e0 g\u00ec? Gi\u1ea3i th\u00edch m\u1ed1i quan h\u1ec7 v\u1edbi ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed trong Lu\u1eadt thanh to\u00e1n ti\u1ec1n t\u1ec7 s\u1eeda \u0111\u1ed5i[ja]<\/a><\/p>\n<p><!-- \/wp:paragraph --><br \/><!-- wp:heading --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sap_xep_cac_dac_diem_cua_tai_san_ma_hoa_tien_ao\"><\/span>S\u1eafp x\u1ebfp c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:image {\"id\":50190,\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} --><\/p>\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-72275\" src=\"https:\/\/monolith.law\/vi\/wp-content\/uploads\/sites\/17\/2023\/09\/comparision-electronicmoney-virtualcurrency-3-300x200.jpg\" alt=\"\" width=\"840\" height=\"560\" srcset=\"https:\/\/monolith.law\/vi\/wp-content\/uploads\/sites\/17\/2023\/09\/comparision-electronicmoney-virtualcurrency-3-300x200.jpg 300w, https:\/\/monolith.law\/vi\/wp-content\/uploads\/sites\/17\/2023\/09\/comparision-electronicmoney-virtualcurrency-3-250x167.jpg 250w, https:\/\/monolith.law\/vi\/wp-content\/uploads\/sites\/17\/2023\/09\/comparision-electronicmoney-virtualcurrency-3.jpg 735w\" sizes=\"(max-width: 840px) 100vw, 840px\" \/><\/figure>\n<p><!-- \/wp:image --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>X\u00e9t tr\u00ean c\u00e1c y\u1ebfu t\u1ed1 tr\u00ean, ch\u00fang ta c\u00f3 th\u1ec3 t\u1ed5ng h\u1ee3p hai \u0111i\u1ec3m quan tr\u1ecdng nh\u1ea5t trong c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o) nh\u01b0 sau:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list {\"style\":{\"color\":{\"background\":\"#eeeeee\"}}} --><\/p>\n<ul class=\"has-background\" style=\"background-color: #eeeeee\">\n<li style=\"list-style-type: none\">\n<ul class=\"has-background\" style=\"background-color: #eeeeee\"><!-- wp:list-item -->\n<li>T\u00ednh kh\u00f4ng x\u00e1c \u0111\u1ecbnh<\/li>\n<li>T\u00ednh bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tinh_khong_xac_dinh\"><\/span>T\u00ednh kh\u00f4ng x\u00e1c \u0111\u1ecbnh<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>T\u00e0i s\u1ea3n m\u00e3 h\u00f3a c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 giao d\u1ecbch m\u00e0 kh\u00f4ng c\u1ea7n quan t\u00e2m \u0111\u1ebfn ng\u01b0\u1eddi ph\u00e1t h\u00e0nh. Do \u0111\u00f3, n\u00f3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong m\u1ed9t ph\u1ea1m vi r\u1ed9ng l\u1edbn c\u1ee7a giao d\u1ecbch, \u0111i\u1ec1u n\u00e0y l\u00e0 m\u1ed9t l\u1ee3i th\u1ebf. Tuy nhi\u00ean, v\u00ec kh\u00f4ng c\u00f3 s\u1ee9c m\u1ea1nh l\u01b0u h\u00e0nh b\u1eaft bu\u1ed9c (quy\u1ec1n h\u1ee3p ph\u00e1p \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn \u0111\u1ec3 thanh to\u00e1n v\u1edbi gi\u00e1 tr\u1ecb m\u1eb7t b\u1eb1ng), b\u1ea1n c\u1ea7n \u0111\u1ed3ng \u00fd v\u1edbi \u0111\u1ed1i t\u00e1c giao d\u1ecbch v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n m\u00e3 h\u00f3a nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tinh_bien_dong_gia_tri\"><\/span>T\u00ednh bi\u1ebfn \u0111\u1ed9ng gi\u00e1 tr\u1ecb<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>\u0110\u1ed1i v\u1edbi t\u00e0i s\u1ea3n m\u00e3 h\u00f3a, kh\u00f4ng c\u00f3 ng\u01b0\u1eddi ph\u00e1t h\u00e0nh trung t\u00e2m nh\u01b0 ng\u00e2n h\u00e0ng, n\u00ean kh\u00f4ng r\u00f5 gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i c\u1ee7a n\u00f3 d\u1ef1a v\u00e0o \u0111i\u1ec1u g\u00ec, \u0111i\u1ec1u n\u00e0y t\u1ea1o n\u00ean t\u00ednh bi\u1ebfn \u0111\u1ed9ng l\u1edbn. Do \u0111\u00f3, t\u00e0i s\u1ea3n m\u00e3 h\u00f3a c\u0169ng c\u00f3 kh\u00eda c\u1ea1nh \u0111\u1ea7u c\u01a1, nh\u01b0ng nh\u01b0 \u0111\u00e3 n\u00f3i \u1edf tr\u00ean, \u00edt nh\u1ea5t tr\u00ean ph\u00e1p l\u00fd, &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; \u0111\u00e3 \u0111\u01b0\u1ee3c tinh gi\u1ea3n th\u00e0nh ch\u1ee9c n\u0103ng nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n.<\/p>\n<p><!-- \/wp:paragraph --><br \/><!-- wp:heading --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tom_tat_Neu_co_thac_mac_ve_luat_phap_lien_quan_den_tai_san_ma_hoa_tien_ao_hay_tham_van_voi_luat_su\"><\/span>T\u00f3m t\u1eaft: N\u1ebfu c\u00f3 th\u1eafc m\u1eafc v\u1ec1 lu\u1eadt ph\u00e1p li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o), h\u00e3y tham v\u1ea5n v\u1edbi lu\u1eadt s\u01b0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Nh\u01b0 \u0111\u00e3 n\u00eau tr\u00ean, t\u00e0i s\u1ea3n m\u00e3 h\u00f3a d\u00f9ng l\u00e0m \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ea7u t\u01b0 (s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh) v\u00e0 t\u00e0i s\u1ea3n m\u00e3 h\u00f3a d\u00f9ng l\u00e0m ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n c\u00f3 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd \u00e1p d\u1ee5ng kh\u00e1c nhau \u0111\u00e1ng k\u1ec3. Do \u0111\u00f3, khi xem x\u00e9t kinh doanh, b\u1ea1n c\u1ea7n ph\u1ea3i \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh m\u1ed9t c\u00e1ch th\u1eadn tr\u1ecdng.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Ngo\u00e0i ra, c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd v\u1ec1 t\u00e0i s\u1ea3n m\u00e3 h\u00f3a v\u1eabn \u0111ang ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, v\u00e0 \u0111\u00e2y l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng cho vi\u1ec7c gi\u1ea3i th\u00edch trong th\u1ef1c h\u00e0nh. V\u00ec v\u1eady, n\u1ebfu b\u1ea1n c\u00f3 b\u1ea5t k\u1ef3 th\u1eafc m\u1eafc n\u00e0o v\u1ec1 lu\u1eadt ph\u00e1p li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n m\u00e3 h\u00f3a, h\u00e3y tham v\u1ea5n v\u1edbi m\u1ed9t lu\u1eadt s\u01b0 c\u00f3 kinh nghi\u1ec7m.<\/p>\n<p><!-- \/wp:paragraph --><br \/><!-- wp:heading --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Gioi_thieu_ve_cac_bien_phap_cua_van_phong_luat_su_cua_chung_toi\"><\/span>Gi\u1edbi thi\u1ec7u v\u1ec1 c\u00e1c bi\u1ec7n ph\u00e1p c\u1ee7a v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 c\u1ee7a ch\u00fang t\u00f4i<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>V\u0103n ph\u00f2ng lu\u1eadt s\u01b0 Monolith l\u00e0 m\u1ed9t v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 c\u00f3 kinh nghi\u1ec7m phong ph\u00fa v\u1ec1 c\u1ea3 hai m\u1eb7t c\u1ee7a IT, \u0111\u1eb7c bi\u1ec7t l\u00e0 Internet v\u00e0 lu\u1eadt ph\u00e1p. Ch\u00fang t\u00f4i cung c\u1ea5p h\u1ed7 tr\u1ee3 to\u00e0n di\u1ec7n cho doanh nghi\u1ec7p li\u00ean quan \u0111\u1ebfn t\u00e0i s\u1ea3n m\u00e3 h\u00f3a v\u00e0 blockchain. Vui l\u00f2ng xem chi ti\u1ebft t\u1ea1i trang web d\u01b0\u1edbi \u0111\u00e2y.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>D\u1ecbch v\u1ee5 c\u1ee7a v\u0103n ph\u00f2ng lu\u1eadt s\u01b0 ch\u00fang t\u00f4i: <a href=\"https:\/\/Monolith.law\/blockchain\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e0i s\u1ea3n m\u00e3 h\u00f3a &amp; Blockchain[ja]<\/a><\/p>\n<p><!-- \/wp:paragraph --><\/p>","protected":false},"excerpt":{"rendered":"<p>G\u1ea7n \u0111\u00e2y, s\u1ef1 ch\u00fa \u00fd \u0111\u1ed1i v\u1edbi &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (ti\u1ec1n \u1ea3o)&#8221; \u0111ang t\u0103ng l\u00ean, nh\u01b0ng c\u00f3 l\u1ebd ch\u1ec9 c\u00f3 \u00edt ng\u01b0\u1eddi hi\u1ec3u ch\u00ednh x\u00e1c &#8220;t\u00e0i s\u1ea3n m\u00e3 h\u00f3a&#8221; l\u00e0 g\u00ec. Trong giao d\u1ecbch t\u00e0i s\u1ea3n m\u00e3 h\u00f3a, c\u00f3 th\u1ec3 c\u00f3 [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":72273,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[52,19],"acf":[],"_links":{"self":[{"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/posts\/58232"}],"collection":[{"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/comments?post=58232"}],"version-history":[{"count":5,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/posts\/58232\/revisions"}],"predecessor-version":[{"id":72276,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/posts\/58232\/revisions\/72276"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/media\/72273"}],"wp:attachment":[{"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/media?parent=58232"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/categories?post=58232"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monolith.law\/vi\/wp-json\/wp\/v2\/tags?post=58232"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}