Ƙa’idojin SEC ga Kamfanonin Fasahar Kuɗi An wallafa: May 25, 2025

An fitar da wannan takarda a Agusta 30, 2021, domin kafa tsarin kula da Sabis na Shawara ta Na’ura (Robo), tare da tabbatar cewa shawarwarin da tsarin lissafin kwamfuta ke bayarwa sun cika ƙa’idojin kare masu zuba jari, shugabanci da haɗarin aiki.

• Ta samar da cikakkun ma’anoni—“Sabis na Shawara ta Na’ura,” “Mai Ba da Shawara ta Atomatik,” “Sake Daidaita Rabon Jari,” “Tarin Jarin da Aka Ba da Shawara,” da “Masu Ba da Shawara Masu Aiki Gaba Ɗaya ta Atomatik”—bisa Investments and Securities Act.
• Buƙatun Rajista: Dole ne masu ba da shawara ta atomatik su bi ƙa’idojin masu ba da shawara da ake da su (Fom SEC 2/2D), su riƙe mafi ƙarancin jari, su kuma ajiye garantin kariya daga rashin gaskiya; masu samar da fasaha na ɓangare na uku ba sa buƙatar rajista amma dole ne su tsallake binciken taka-tsantsan.
• Matakan Kula da Aiki: Ta wajabta binciken tsarin lissafin kwamfuta kafin ƙaddamarwa da kuma yayin aiki, rubutattun manufofin sake daidaita rabon jari, amincewar abokin ciniki kan sauye-sauyen tarin jari, da nazarin fasaha mai zaman kansa lokaci zuwa lokaci.
• Shugabanci & Sarrafa Haɗari: Dole ne majalisun daraktoci da manyan shugabanni su kula da gina tsarin lissafin kwamfuta, sarrafa sauye-sauye, gwaji da bayanan baya, hana son kai, tsaron yanar gizo da tsare-tsaren ci gaba da aiki yayin matsala.
• Kare Abokan Ciniki: Ta buƙaci bayyanannun bayanai kan zato da iyakokin tsarin lissafin kwamfuta, saɓanin muradu, gargadin haɗari ga kayayyakin zuba jari na ƙasashen waje, tantance dacewa (CKA/CAR), da tsauraran matakan kare sirrin bayanai da hana halatta kuɗin haram (AML).

An fitar da wannan takarda a Afrilu 22, 2021, tana kawo muhimman sauye-sauye ga Dokoki da Ƙa’idojin SEC da ake da su, tana ƙarfafa sa ido kan ayyukan ƙananan dillalai da adana bayanan ma’amaloli, sannan tana ƙara tanade-tanade kan ƙananan dillalai na dijital.

• Ƙa’ida ta 67 (Ƙaramin Dillali): An faɗaɗa ta don ayyana “Ƙaramin Dillalin da ke Hidima ga Dillalai da Yawa ta Dandalin Dijital,” tare da sababbin buƙatun jari, kuɗaɗen biya da takardu ga masu shiga tsakani na dijital.
• Ƙa’ida ta 70 (Bayanan Aiki): An gyara ta domin wajabta wa masu shiga tsakani na dijital adana shaidar aiwatar da ciniki, rasit ɗin tura kuɗi, duk sadarwa da abokan ciniki da cikakkun bayanan ma’amaloli a dandalinsu.
• Sabuwar Ƙa’ida ta 76: Ta kafa ƙa’idojin shugabanci ga ƙananan dillalai na dijital, ciki har da manufofin haɗarin fasaha, takardun tabbatar da tsaro, sanarwar dacewa ga abokan ciniki da hana miƙa ayyuka ga wasu ba tare da amincewar SEC ba.

An fitar da wannan takarda a Janairu 21, 2021, tana kafa cikakken tsarin kula da tara kuɗi daga jama’a domin zuba jari a kasuwar jari ta Najeriya. Ta bayyana ma’anoni, iyakokin cancanta da buƙatun aiki domin tabbatar da ƙanana da matsakaitan kamfanoni sun samu kuɗin gudanarwa tare da kare masu zuba jari.

• An bayyana ma’anoni da iyakar tsarin a farko, ciki har da kalmomi kamar “Shafin Tara Kuɗi daga Jama’a,” “Mai Shiga Tsakani wajen Tara Kuɗi daga Jama’a,” “Mai Neman Kuɗi,” da “Kayan Aikin Zuba Jari”.
• Ƙananan kamfanoni ƙwarai, ƙanana da matsakaita (MSMEs) da aka kafa bisa doka, masu tarihin aiki na aƙalla shekaru biyu—ko waɗanda ke da ƙwararren abokin hulɗar fasaha—ne kaɗai za su iya tara har ₦100 miliyan (matsakaita), ₦70 miliyan (ƙanana) ko ₦50 miliyan (ƙanana ƙwarai) a kowane watanni 12, yayin da aka iyakance masu zuba jari na ɗaiɗaiku zuwa 10% na kuɗin shigarsu na shekara bayan cire kashe-kashe.
• Dole ne a gudanar da tara kuɗi daga jama’a ta shafin mai shiga tsakani da aka yi wa rajista, wanda ya cika tsauraran buƙatun rajista—takardun kafa kamfani da aka tabbatar, asusun kuɗi da aka bincika, littattafan tafiyar da aiki, mafi ƙarancin jari, garantin kariya daga rashin gaskiya, da tsarin shugabanci ta mutanen da kamfanin ya gabatar domin rajista.
• Dole ne masu shiga tsakani su riƙe ingantattun tsare-tsaren binciken taka-tsantsan, matakan sanin abokin ciniki da hana halatta kuɗin haram (KYC/AML), amintattun kayan fasahar bayanai, da asusun amana daban-daban a bankunan masu kula da kadarori ga kowane zagayen neman kuɗi.
• Nauye-nauyen da ke ci gaba sun haɗa da ilimantar da masu zuba jari, rahotannin wata-wata da na kowane watanni uku ga SEC, matakan kare bayanai, miƙa takardun shekara-shekara, da bayyanannun gargadi a sauƙaƙan Turanci da amincewa da haɗari ga duk masu zuba jari.