{"id":52264,"date":"2025-09-19T19:38:22","date_gmt":"2025-09-19T19:38:22","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=52264"},"modified":"2026-05-30T09:26:03","modified_gmt":"2026-05-30T07:26:03","slug":"el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/","title":{"rendered":"El Tesoro de EE. UU. solicita comentarios sobre el GENIUS Act"},"content":{"rendered":"

El Departamento del Tesoro de EE.\u202fUU.<\/strong> ha abierto una consulta<\/a> p\u00fablica<\/strong> para implementar el GENIUS Act<\/strong>, una ley firmada en julio de 2025<\/strong> que busca establecer un marco regulatorio para las payment stablecoins<\/a><\/strong>. Esta decisi\u00f3n es relevante para emisores, custodios, equipos de cumplimiento e inversores<\/strong> debido a sus implicaciones en AML, supervisi\u00f3n federal-estatal y tributaci\u00f3n<\/strong>, as\u00ed como por su impacto potencial en la adopci\u00f3n y liquidez de activos anclados en d\u00f3lares<\/strong>.<\/p>\n

El periodo de comentarios<\/strong>, iniciado el 19 de septiembre<\/strong>, tiene como objetivo ajustar la norma antes de su aplicaci\u00f3n y podr\u00eda influir en la evoluci\u00f3n del mercado de stablecoins<\/a> en EE.\u202fUU.<\/strong><\/p>\n

Contexto e impacto del GENIUS Act<\/h3>\n

El debate central se centra en c\u00f3mo equilibrar innovaci\u00f3n y protecci\u00f3n en las payment stablecoins<\/strong>, fomentando la innovaci\u00f3n en stablecoins de pago<\/strong> mientras se protege a los consumidores, se mitigan riesgos de finanzas il\u00edcitas y se asegura la estabilidad financiera<\/strong>.<\/p>\n

El GENIUS Act<\/strong> requiere que los emisores permitidos cumplan con el Bank Secrecy Act (BSA)<\/strong> y mantengan programas robustos de AML y sanciones<\/strong>, elevando los est\u00e1ndares de cumplimiento<\/strong> del sector. La ley establece un r\u00e9gimen de supervisi\u00f3n federal-estatal<\/strong> y permite que emisores supervisados en el extranjero operen en EE.\u202fUU.<\/strong>, buscando un equilibrio entre uniformidad regulatoria y flexibilidad<\/strong>.<\/p>\n

Adem\u00e1s, la norma contempla estudios sobre stablecoins algor\u00edtmicas<\/strong> y la necesidad de orientaci\u00f3n fiscal por parte del IRS<\/strong>, elementos que podr\u00edan afectar el dise\u00f1o de productos y las decisiones de reporting<\/strong>.<\/p>\n

Definici\u00f3n t\u00e9cnica<\/strong>
El Bank Secrecy Act (BSA)<\/strong> es la ley estadounidense que impone obligaciones de prevenci\u00f3n del lavado de dinero y reporte de operaciones sospechosas<\/strong> a entidades financieras.<\/p>\n

Implicaciones y puntos clave<\/h3>\n

En t\u00e9rminos de cumplimiento operativo<\/strong>, los emisores deber\u00e1n implementar programas AML y sanciones<\/strong>, as\u00ed como sistemas de monitoreo, lo que incrementar\u00e1 los costes<\/strong> y exigir\u00e1 inversi\u00f3n en tecnolog\u00eda<\/strong>.<\/p>\n

El riesgo regulatorio y la fragmentaci\u00f3n<\/strong> podr\u00edan aumentar la carga de cumplimiento<\/strong> y retrasar la entrada al mercado<\/strong> si la coordinaci\u00f3n federal-estatal no est\u00e1 bien calibrada.<\/p>\n

Para la competitividad internacional<\/strong>, el marco busca mantener la posici\u00f3n de EE.\u202fUU.<\/strong> frente a la UE y otras jurisdicciones<\/strong> que ya regulan stablecoins.<\/p>\n

La incertidumbre fiscal<\/strong> relacionada con la necesidad de gu\u00eda del IRS<\/a><\/strong> puede retrasar decisiones de producto y reporting<\/strong> por parte de custodios y gestores.<\/p>\n

El GENIUS Act<\/strong>, firmado en julio de 2025<\/strong>, inici\u00f3 la consulta p\u00fablica en septiembre de 2025<\/strong>. Somete a los emisores a BSA\/AML<\/strong>, exige estudios sobre stablecoins algor\u00edtmicas<\/strong>, establece un r\u00e9gimen federal-estatal<\/strong> y contempla mecanismos para emisores supervisados en el extranjero<\/strong>. La utilizaci\u00f3n de tecnolog\u00edas como IA<\/strong> para detectar actividad il\u00edcita se menciona como herramienta probable.<\/p>\n

\"Tesoro<\/p>\n

El pr\u00f3ximo paso ser\u00e1 el cierre del periodo de comentarios<\/strong>, tras el cual el Tesoro traducir\u00e1 las respuestas en directrices y posibles reglas ejecutivas<\/strong>, definiendo plazos y requisitos<\/strong> que influir\u00e1n en la adopci\u00f3n, liquidez y cumplimiento de productos tokenizados en d\u00f3lares<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"

El Departamento del Tesoro de EE.\u202fUU. ha abierto una consulta p\u00fablica para implementar el GENIUS Act, una ley firmada en julio de 2025 que busca establecer un marco regulatorio para las payment stablecoins. Esta decisi\u00f3n es relevante para emisores, custodios, equipos de cumplimiento e inversores debido a sus implicaciones en AML, supervisi\u00f3n federal-estatal y tributaci\u00f3n, […]<\/p>\n","protected":false},"author":35,"featured_media":52263,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33,257],"tags":[382,728],"class_list":["post-52264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-editors-picks","category-regulacion","tag-eeuu","tag-stablecoin"],"yoast_head":"\nEl Tesoro de EE. UU. solicita comentarios sobre el GENIUS Act The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"El Departamento del Tesoro de EE.\u202fUU. ha abierto una consulta p\u00fablica para implementar el GENIUS Act, una ley firmada en julio de 2025.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El Tesoro de EE. UU. solicita comentarios sobre el GENIUS Act The CryptoCurrency Post ESP\" \/>\n<meta property=\"og:description\" content=\"El Departamento del Tesoro de EE.\u202fUU. ha abierto una consulta p\u00fablica para implementar el GENIUS Act, una ley firmada en julio de 2025.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/\" \/>\n<meta property=\"og:site_name\" content=\"The CryptoCurrency Post ESP\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-19T19:38:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-30T07:26:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/09\/genius-act-stablecoins-regulation-usa.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1072\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Logan Pierce\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Logan Pierce\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"El Tesoro de EE. UU. solicita comentarios sobre el GENIUS Act The CryptoCurrency Post ESP","description":"El Departamento del Tesoro de EE.\u202fUU. ha abierto una consulta p\u00fablica para implementar el GENIUS Act, una ley firmada en julio de 2025.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/","og_locale":"es_ES","og_type":"article","og_title":"El Tesoro de EE. UU. solicita comentarios sobre el GENIUS Act The CryptoCurrency Post ESP","og_description":"El Departamento del Tesoro de EE.\u202fUU. ha abierto una consulta p\u00fablica para implementar el GENIUS Act, una ley firmada en julio de 2025.","og_url":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/","og_site_name":"The CryptoCurrency Post ESP","article_published_time":"2025-09-19T19:38:22+00:00","article_modified_time":"2026-05-30T07:26:03+00:00","og_image":[{"width":1920,"height":1072,"url":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/09\/genius-act-stablecoins-regulation-usa.png","type":"image\/png"}],"author":"Logan Pierce","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Logan Pierce","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/#article","isPartOf":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/"},"author":{"name":"Logan Pierce","@id":"https:\/\/thecryptocurrencypost.net\/es\/#\/schema\/person\/8ea721bf16fb5237979cfae697156c7e"},"headline":"El Tesoro de EE. UU. solicita comentarios sobre el GENIUS Act","datePublished":"2025-09-19T19:38:22+00:00","dateModified":"2026-05-30T07:26:03+00:00","mainEntityOfPage":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/"},"wordCount":521,"publisher":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/#organization"},"image":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/#primaryimage"},"thumbnailUrl":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/09\/genius-act-stablecoins-regulation-usa.png","keywords":["eeuu","stablecoin"],"articleSection":["Editor's Picks","Regulaci\u00f3n"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/","url":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/","name":"El Tesoro de EE. UU. solicita comentarios sobre el GENIUS Act The CryptoCurrency Post ESP","isPartOf":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/#primaryimage"},"image":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/#primaryimage"},"thumbnailUrl":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/09\/genius-act-stablecoins-regulation-usa.png","datePublished":"2025-09-19T19:38:22+00:00","dateModified":"2026-05-30T07:26:03+00:00","description":"El Departamento del Tesoro de EE.\u202fUU. ha abierto una consulta p\u00fablica para implementar el GENIUS Act, una ley firmada en julio de 2025.","breadcrumb":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/#primaryimage","url":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/09\/genius-act-stablecoins-regulation-usa.png","contentUrl":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/09\/genius-act-stablecoins-regulation-usa.png","width":1920,"height":1072,"caption":"Photorealistic digital USD stablecoin with circuit patterns, regulator silhouette, and broken chains."},{"@type":"BreadcrumbList","@id":"https:\/\/thecryptocurrencypost.net\/es\/el-tesoro-de-ee-uu-solicita-comentarios-sobre-el-genius-act-para-regular-las-payment-stablecoins\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Noticias Criptomonedas","item":"https:\/\/thecryptocurrencypost.net\/es\/"},{"@type":"ListItem","position":2,"name":"El Tesoro de EE. UU. solicita comentarios sobre el GENIUS Act"}]},{"@type":"WebSite","@id":"https:\/\/thecryptocurrencypost.net\/es\/#website","url":"https:\/\/thecryptocurrencypost.net\/es\/","name":"The CryptoCurrency Post ESP","description":"Crypto News","publisher":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/thecryptocurrencypost.net\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/thecryptocurrencypost.net\/es\/#organization","name":"The CryptoCurrency Post ESP","url":"https:\/\/thecryptocurrencypost.net\/es\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/thecryptocurrencypost.net\/es\/#\/schema\/logo\/image\/","url":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2026\/05\/TCP-favicon-dev.png","contentUrl":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2026\/05\/TCP-favicon-dev.png","width":280,"height":280,"caption":"The CryptoCurrency Post ESP"},"image":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/thecryptocurrencypost.net\/es\/#\/schema\/person\/8ea721bf16fb5237979cfae697156c7e","name":"Logan Pierce","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/5ab2e9d00b2f2bfbb16839de2266dc9a7a9e7a11b55eaae309d55cc61d25b4b2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5ab2e9d00b2f2bfbb16839de2266dc9a7a9e7a11b55eaae309d55cc61d25b4b2?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5ab2e9d00b2f2bfbb16839de2266dc9a7a9e7a11b55eaae309d55cc61d25b4b2?s=96&d=mm&r=g","caption":"Logan Pierce"},"description":"Logan focuses on global cryptocurrency regulation, compliance, and policy developments. His reporting examines how legislative decisions influence market structure, institutional adoption, and the rights of industry participants. When relevant, he also analyzes how regulatory frameworks specifically affect Layer 1 networks and digital asset volatility.","url":"https:\/\/thecryptocurrencypost.net\/es\/author\/logan\/"}]}},"_links":{"self":[{"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/posts\/52264","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/comments?post=52264"}],"version-history":[{"count":1,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/posts\/52264\/revisions"}],"predecessor-version":[{"id":65641,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/posts\/52264\/revisions\/65641"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/media\/52263"}],"wp:attachment":[{"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/media?parent=52264"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/categories?post=52264"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/tags?post=52264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}