{"id":53582,"date":"2025-10-07T13:15:56","date_gmt":"2025-10-07T13:15:56","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=53582"},"modified":"2026-05-30T09:47:31","modified_gmt":"2026-05-30T07:47:31","slug":"bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/","title":{"rendered":"BNY Mellon comienza a probar dep\u00f3sitos tokenizados en blockchain para agilizar y abaratar pagos corporativos"},"content":{"rendered":"<p><strong>BNY Mellon est\u00e1 ensayando dep\u00f3sitos tokenizados en blockchain para acelerar y reducir el costo de los pagos corporativos<\/strong>. <strong>La medida impactar\u00eda a tesorer\u00edas, custodios y grandes operadores de liquidez<\/strong> al introducir opciones de manera m\u00e1s r\u00e1pida y funciones programables. La entidad mueve alrededor de 2,5 mil millones de d\u00f3lares en pagos diarios y custodia 55,8 billones en activos, por lo que <strong>peque\u00f1as mejoras en velocidad o costo se traducen en ahorros significativos<\/strong>.<\/p>\n<p><!--more--><\/p>\n<p><strong>La tokenizaci\u00f3n se aborda como una adici\u00f3n gradual a los servicios de tesorer\u00eda, no como un reemplazo total.<\/strong>\u00a0Los ensayos incluyen <strong>dep\u00f3sitos tokenizados para liquidaciones casi instant\u00e1neas<\/strong> y un proyecto con <strong>Goldman Sachs para tokenizar fondos del mercado monetario en la blockchain privada de GS DAP.<\/strong><\/p>\n<p><a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2025-10-07\/bny-explores-tokenized-deposits-as-blockchain-payments-catch-on\" target=\"_blank\" rel=\"noopener noreferrer\">BNY Mellon<\/a> <strong>conecta esos activos a su plataforma LiquidityDirect<\/strong> y <strong>participa en pruebas de SWIFT<\/strong>, adem\u00e1s de colaborar en la <strong>custodia de <a href=\"https:\/\/thecryptocurrencypost.net\/es\/tag\/stablecoins\/\">stablecoins<\/a> reguladas<\/strong>. La propuesta comercial busca <strong>eliminar fricciones con liquidaci\u00f3n 24 horas, pagos programables y gesti\u00f3n de liquidez m\u00e1s r\u00e1pida<\/strong>.<\/p>\n<h2>Las claves para la prueba de BNY Mellon<\/h2>\n<p><strong>Una de las principales claves de esta prueba es llegar a una mayor eficiencia operativa y a un menor costo. <\/strong>Por la <strong>liquidaci\u00f3n casi inmediata y la reducci\u00f3n de la reconciliaci\u00f3n manual<\/strong>, lo que disminuye tiempos y fricciones en los flujos de pago corporativos.<\/p>\n<p><strong>Mejora en la gesti\u00f3n de liquidez y en el riesgo de contraparte<\/strong> gracias a <strong>transferencias at\u00f3micas y pagos programables<\/strong>, que permiten mayor precisi\u00f3n en la disponibilidad de fondos y en la ejecuci\u00f3n de obligaciones.<\/p>\n<p><strong>Si bien los riesgos tecnol\u00f3gicos y de seguridad<\/strong> persisten, ya que <strong>fallos en contratos inteligentes podr\u00edan permitir minting no autorizado o robos<\/strong>, exigiendo controles y auditor\u00edas robustas.<\/p>\n<p><strong>Incertidumbre regulatoria y dificultades de integraci\u00f3n con sistemas antiguos<\/strong> condicionan la adopci\u00f3n, <strong>dependiente de nuevas normas y de m\u00e1s pruebas<\/strong> para garantizar interoperabilidad y cumplimiento.<\/p>\n<p><a href=\"https:\/\/thecryptocurrencypost.net\/es\/aprobacion-de-la-sec-a-bny-mellon-un-punto-de-inflexion-para-la-custodia-de-criptomonedas\/\" target=\"_blank\" rel=\"noopener\">BNY maneja vol\u00famenes<\/a> que <strong>amplifican cualquier ahorro operativo<\/strong>. <b>Al ser socios<\/b>\u00a0con <strong>Goldman Sachs en fondos tokenizados<\/strong> y con <strong>SWIFT en pruebas<\/strong>. Los <strong>contratos inteligentes y la falta de est\u00e1ndares entre blockchains<\/strong> siguen siendo obst\u00e1culos.<\/p>\n<p><strong>Los ensayos en curso con SWIFT y los despliegues de fondos tokenizados con Goldman Sachs validar\u00e1n operativa y seguridad<\/strong> antes de ampliar el uso comercial. <strong>BNY Mellon avanza hacia una arquitectura de pagos m\u00e1s r\u00e1pida y programable<\/strong>, pero <strong>la expansi\u00f3n total depende de resultados t\u00e9cnicos y de claridad regulatoria<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BNY Mellon est\u00e1 ensayando dep\u00f3sitos tokenizados en blockchain para acelerar y reducir el costo de los pagos corporativos. La medida impactar\u00eda a tesorer\u00edas, custodios y grandes operadores de liquidez al introducir opciones de manera m\u00e1s r\u00e1pida y funciones programables. La entidad mueve alrededor de 2,5 mil millones de d\u00f3lares en pagos diarios y custodia 55,8 [&hellip;]<\/p>\n","protected":false},"author":33,"featured_media":53580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80,33],"tags":[29,1233,1234,1235,855],"class_list":["post-53582","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-companias","category-editors-picks","tag-blockchain","tag-bny-mellon","tag-gs-dap","tag-liquiditydirect","tag-token"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BNY Mellon comienza a probar dep\u00f3sitos tokenizados en blockchain para agilizar y abaratar pagos corporativos The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"BNY Mellon est\u00e1 ensayando dep\u00f3sitos tokenizados en blockchain para acelerar y reducir el costo de los pagos corporativos.\" \/>\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\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BNY Mellon comienza a probar dep\u00f3sitos tokenizados en blockchain para agilizar y abaratar pagos corporativos The CryptoCurrency Post ESP\" \/>\n<meta property=\"og:description\" content=\"BNY Mellon est\u00e1 ensayando dep\u00f3sitos tokenizados en blockchain para acelerar y reducir el costo de los pagos corporativos.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/\" \/>\n<meta property=\"og:site_name\" content=\"The CryptoCurrency Post ESP\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-07T13:15:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-30T07:47:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/10\/tokenized-deposits-blockchain-payments-bny-mellon-header.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Noah Sullivan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Noah Sullivan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"BNY Mellon comienza a probar dep\u00f3sitos tokenizados en blockchain para agilizar y abaratar pagos corporativos The CryptoCurrency Post ESP","description":"BNY Mellon est\u00e1 ensayando dep\u00f3sitos tokenizados en blockchain para acelerar y reducir el costo de los pagos corporativos.","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\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/","og_locale":"es_ES","og_type":"article","og_title":"BNY Mellon comienza a probar dep\u00f3sitos tokenizados en blockchain para agilizar y abaratar pagos corporativos The CryptoCurrency Post ESP","og_description":"BNY Mellon est\u00e1 ensayando dep\u00f3sitos tokenizados en blockchain para acelerar y reducir el costo de los pagos corporativos.","og_url":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/","og_site_name":"The CryptoCurrency Post ESP","article_published_time":"2025-10-07T13:15:56+00:00","article_modified_time":"2026-05-30T07:47:31+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/10\/tokenized-deposits-blockchain-payments-bny-mellon-header.jpeg","type":"image\/jpeg"}],"author":"Noah Sullivan","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Noah Sullivan","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/#article","isPartOf":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/"},"author":{"name":"Noah Sullivan","@id":"https:\/\/thecryptocurrencypost.net\/es\/#\/schema\/person\/ccd065e0057c2ffa7ae585e1d703de5b"},"headline":"BNY Mellon comienza a probar dep\u00f3sitos tokenizados en blockchain para agilizar y abaratar pagos corporativos","datePublished":"2025-10-07T13:15:56+00:00","dateModified":"2026-05-30T07:47:31+00:00","mainEntityOfPage":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/"},"wordCount":433,"publisher":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/#organization"},"image":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/#primaryimage"},"thumbnailUrl":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/10\/tokenized-deposits-blockchain-payments-bny-mellon-header.jpeg","keywords":["blockchain","BNY Mellon","GS DAP","LiquidityDirect","token"],"articleSection":["Compa\u00f1\u00edas","Editor's Picks"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/","url":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/","name":"BNY Mellon comienza a probar dep\u00f3sitos tokenizados en blockchain para agilizar y abaratar pagos corporativos The CryptoCurrency Post ESP","isPartOf":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/#primaryimage"},"image":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/#primaryimage"},"thumbnailUrl":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/10\/tokenized-deposits-blockchain-payments-bny-mellon-header.jpeg","datePublished":"2025-10-07T13:15:56+00:00","dateModified":"2026-05-30T07:47:31+00:00","description":"BNY Mellon est\u00e1 ensayando dep\u00f3sitos tokenizados en blockchain para acelerar y reducir el costo de los pagos corporativos.","breadcrumb":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/#primaryimage","url":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/10\/tokenized-deposits-blockchain-payments-bny-mellon-header.jpeg","contentUrl":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/10\/tokenized-deposits-blockchain-payments-bny-mellon-header.jpeg","width":1280,"height":720,"caption":"Treasurer at a sleek desk with holographic blockchain tokens illustrating tokenized deposits and instant programmable payments."},{"@type":"BreadcrumbList","@id":"https:\/\/thecryptocurrencypost.net\/es\/bny-mellon-prueba-depositos-tokenizados-en-blockchain-para-agilizar-y-abaratar-pagos-corporativos\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Noticias Criptomonedas","item":"https:\/\/thecryptocurrencypost.net\/es\/"},{"@type":"ListItem","position":2,"name":"BNY Mellon comienza a probar dep\u00f3sitos tokenizados en blockchain para agilizar y abaratar pagos corporativos"}]},{"@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\/ccd065e0057c2ffa7ae585e1d703de5b","name":"Noah Sullivan","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/bb7e14ee1f5996b5043ff9d50775df9a21f7dc7070df2db9c9aaba83e11daca0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bb7e14ee1f5996b5043ff9d50775df9a21f7dc7070df2db9c9aaba83e11daca0?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/bb7e14ee1f5996b5043ff9d50775df9a21f7dc7070df2db9c9aaba83e11daca0?s=96&d=mm&r=g","caption":"Noah Sullivan"},"description":"Noah covers the altcoin landscape and emerging crypto trends, tracking the development of new tokens and narratives beyond short-term volatility. His reporting prioritizes understanding market cycles and broader behavioral shifts over mere speculation. He also contributes strategic insights into general market conditions and pivotal developments within the Web3 space.","url":"https:\/\/thecryptocurrencypost.net\/es\/author\/noah\/"}]}},"_links":{"self":[{"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/posts\/53582","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\/33"}],"replies":[{"embeddable":true,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/comments?post=53582"}],"version-history":[{"count":1,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/posts\/53582\/revisions"}],"predecessor-version":[{"id":67154,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/posts\/53582\/revisions\/67154"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/media\/53580"}],"wp:attachment":[{"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/media?parent=53582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/categories?post=53582"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thecryptocurrencypost.net\/es\/wp-json\/wp\/v2\/tags?post=53582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}