{"id":52944,"date":"2025-09-30T14:19:09","date_gmt":"2025-09-30T14:19:09","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=52944"},"modified":"2026-05-30T09:24:49","modified_gmt":"2026-05-30T07:24:49","slug":"visa-pilota-stablecoins-prefinanciadas-para-pagos-transfronterizos","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/visa-pilota-stablecoins-prefinanciadas-para-pagos-transfronterizos\/","title":{"rendered":"Visa comenz\u00f3 a usar stablecoins para pagos transfronterizos"},"content":{"rendered":"<p><strong>Visa ha iniciado un piloto que permite a las empresas prefinanciar pagos transfronterizos con <a href=\"https:\/\/thecryptocurrencypost.net\/es\/tag\/stablecoins\/\">stablecoins<\/a> USDC y EURC<\/strong>. <strong>La medida busca acelerar la liquidaci\u00f3n a segundos y bajar los costos de cobros y pagos internacionales<\/strong>, integrando estas monedas estables en Visa Direct para pagar en moneda local y mejorar la administraci\u00f3n de caja. <strong>Bancos, remitentes y grandes pagadores que requieren m\u00e1s liquidez y menos demora operativa quedan alcanzados<\/strong>.<\/p>\n<p><!--more--><\/p>\n<p><strong>El piloto emplea USDC y EURC emitidos por Circle y los conecta a <a href=\"https:\/\/www.businesswire.com\/news\/home\/20250930875370\/en\/Visa-Direct-Taps-Stablecoins-to-Unlock-Faster-Funding-for-Businesses\" target=\"_blank\" rel=\"noopener noreferrer\">Visa Direct<\/a> mediante tokenizaci\u00f3n y contratos inteligentes<\/strong>, seg\u00fan la ficha del proyecto. Las empresas depositan stablecoins por adelantado en sus cuentas de Visa Direct; <strong>Visa registra esos saldos como \u201cdinero en el banco\u201d y env\u00eda el pago al receptor en el acto<\/strong>, sin la cadena habitual de bancos corresponsales.<\/p>\n<h2>\u00bfCu\u00e1l es el objetivo de Visa?<\/h2>\n<p>El<strong> objetivo es pasar de liquidaciones que tardan horas o d\u00edas a otras que se completan en segundos y recortar costos hasta un 50% frente a flujos tradicionales<\/strong>, lo que libera capital y mejora el NAV operativo de firmas que env\u00edan remesas a diario.<\/p>\n<p><strong>El piloto no es solo una prueba t\u00e9cnica: implica riesgos regulatorios y de seguridad<\/strong>. <strong>L<\/strong><strong>a regulaci\u00f3n global sigue siendo un mosaico que complica el cumplimiento KYC\/AML para corporaciones multinacionales<\/strong>. Persisten amenazas de explotaci\u00f3n de contratos inteligentes, por lo que se exige monitoreo avanzado. En paralelo, <strong>Visa ha invertido en infraestructura de <a href=\"https:\/\/thecryptocurrencypost.net\/es\/las-stablecoins-necesitan-normas-de-proteccion-para-competir-con-los-bancos-segun-jina\/\" target=\"_blank\" rel=\"noopener\">stablecoins<\/a> \u2014incluida una participaci\u00f3n en BVNK\u2014, se\u00f1al de su compromiso con el ecosistema<\/strong>.<\/p>\n<p><strong>La ventaja clave es insertar stablecoins en una red ya instalada<\/strong>. \u201cThe amount of software and technology deployed for payments is hard to recreate,\u201d dijo Mark Nelsen, responsable de producto comercial en Visa.<\/p>\n<p><strong>Stablecoin:<\/strong> token cuyo valor se fija a una moneda fiat para limitar la volatilidad y servir como medio de pago.<\/p>\n<p>Al bajar la fricci\u00f3n de conversi\u00f3n y custodia, el uso institucional de stablecoins crece m\u00e1s r\u00e1pido. Tambi\u00e9n se va a poder refinanciar con USDC o EURC mejora la liquidez y reduce las tarifas de intermediaci\u00f3n.<\/p>\n<p><strong>El piloto planea expandirse en 2026, con disponibilidad limitada en abril de ese a\u00f1o<\/strong>. El siguiente paso ser\u00e1 medir la adopci\u00f3n y revisar los controles de compliance antes de un despliegue mayor; en la pr\u00e1ctica, <strong>si supera los desaf\u00edos regulatorios y de seguridad, las empresas con flujos transfronterizos podr\u00edan ganar velocidad y reducir costos<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Visa ha iniciado un piloto que permite a las empresas prefinanciar pagos transfronterizos con stablecoins USDC y EURC. La medida busca acelerar la liquidaci\u00f3n a segundos y bajar los costos de cobros y pagos internacionales, integrando estas monedas estables en Visa Direct para pagar en moneda local y mejorar la administraci\u00f3n de caja. Bancos, remitentes [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":52942,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80,33],"tags":[234,1083,1152,299,588],"class_list":["post-52944","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-companias","category-editors-picks","tag-circle","tag-eurc","tag-mark-nelsen","tag-usdc","tag-visa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Visa comenz\u00f3 a usar stablecoins para pagos transfronterizos The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"Visa ha iniciado un piloto que permite a las empresas prefinanciar pagos transfronterizos con stablecoins USDC y EURC\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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