{"id":54338,"date":"2025-10-16T12:08:04","date_gmt":"2025-10-16T12:08:04","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=54338"},"modified":"2026-05-30T09:33:38","modified_gmt":"2026-05-30T07:33:38","slug":"visa-quiere-construir-las-vias-del-prestamo-en-onchain-finance-su-nuevo-nombre-para-defi","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/visa-quiere-construir-las-vias-del-prestamo-en-onchain-finance-su-nuevo-nombre-para-defi\/","title":{"rendered":"Visa anunci\u00f3 Onchain Finance: su propia infraestructura de stablecoins"},"content":{"rendered":"<p><strong>El 16 de octubre de 2025 Visa expuso su idea de Onchain Finance<\/strong>, un plan para ofrecer la base t\u00e9cnica que permita que el cr\u00e9dito crezca en redes p\u00fablicas y privadas. <strong>La iniciativa alcanza a bancos, plataformas de pr\u00e9stamo institucional y equipos de compliance<\/strong> al proponer que Visa suministre datos, control normativo y herramientas de liquidaci\u00f3n, <strong>sin otorgar pr\u00e9stamos<\/strong>. El whitepaper indica que la estrategia conecta liquidez tradicional con protocolos on chain para facilitar pr\u00e9stamos institucionales y eliminar trabas en pagos y asentamientos.<\/p>\n<p><!--more--><\/p>\n<p><strong>Visa describe<a href=\"https:\/\/thecryptocurrencypost.net\/es\/stablecoins-se-afianzan-como-medio-para-trasladar-valor-entre-paises\/\" target=\"_blank\" rel=\"noopener\"> Onchain Finance<\/a> como el paso siguiente de <a href=\"https:\/\/thecryptocurrencypost.net\/es\/tag\/defi\/\">DeFi<\/a><\/strong>: una infraestructura lista para bancos, apoyada en activos estables y en varias cadenas a la vez. Los documentos muestran <strong>$33 billones en movimientos de stablecoins, un volumen anual ajustado de $6,6 billones en abril de 2025 y entre $20 000 y $30 000 millones en pagos on chain reales cada d\u00eda<\/strong>, cifras que, seg\u00fan Visa, ya superan los vol\u00famenes combinados de Visa y Mastercard en 2024.<\/p>\n<p>La empresa <strong>acepta liquidaci\u00f3n en <a href=\"https:\/\/annualreport.visa.com\/financials\/default.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">USDC, PYUSD, USDG y EURC<\/a><\/strong> sobre Ethereum, Solana y Stellar, y apuesta por varias cadenas para abaratar el cambio de divisas y acortar tiempos de asentamiento. <strong>Visa deja claro que no emitir\u00e1 tokens ni prestar\u00e1 dinero directamente<\/strong>: aportar\u00e1 \u201cinfraestructura\u201d \u2014historiales de transacci\u00f3n, reglas de compliance y an\u00e1lisis\u2014, incluido un panel llamado Onchain Analytics Dashboard que distingue actividad econ\u00f3mica real de operaciones especulativas.<\/p>\n<p>Con ese enfoque, <strong>bancos y entidades de cr\u00e9dito privadas podr\u00e1n enviar liquidez a protocolos on chain<\/strong> sin cargar con la operativa de riesgo habitual en los mercados cripto. En pocas palabras, <strong>Onchain Finance<\/strong> es el conjunto de servicios y protocolos que permiten realizar y liquidar operaciones financieras directamente en blockchain, con normas de trazabilidad y cumplimiento integradas para uso institucional.<\/p>\n<h2>Implicaciones de Onchain Finance<\/h2>\n<p><strong>La propuesta afecta adopci\u00f3n, liquidez y riesgo institucional<\/strong>: la uni\u00f3n de stablecoins y liquidaci\u00f3n en varias cadenas aumenta el dinero disponible para pr\u00e9stamos on chain y acorta los tiempos de pago, mientras desplaza la demanda hacia redes r\u00e1pidas (Layer 2 y cadenas de alto rendimiento). <strong>Visa se\u00f1ala a Layer 2 y Solana como opciones principales<\/strong> por su velocidad y costos bajos, requisitos clave para operaciones institucionales.<\/p>\n<p><strong>El plan de Visa marca el paso de la experimentaci\u00f3n a la construcci\u00f3n de infraestructura para cr\u00e9dito on-chain<\/strong>. El pr\u00f3ximo paso operativo es que bancos prueben la plataforma de liquidaci\u00f3n con varias stablecoins en Layer 2 y Solana, y aporten liquidez a protocolos de pr\u00e9stamo.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El 16 de octubre de 2025 Visa expuso su idea de Onchain Finance, un plan para ofrecer la base t\u00e9cnica que permita que el cr\u00e9dito crezca en redes p\u00fablicas y privadas. La iniciativa alcanza a bancos, plataformas de pr\u00e9stamo institucional y equipos de compliance al proponer que Visa suministre datos, control normativo y herramientas de [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":54337,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80,33],"tags":[124,98,94,400,188,1115,1311,338,588],"class_list":["post-54338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-companias","category-editors-picks","tag-bitcoin","tag-defi","tag-ethereum","tag-mastercard","tag-mercado","tag-on-chain","tag-onchain-finance","tag-solana","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 anunci\u00f3 Onchain Finance: su propia infraestructura de stablecoins The CryptoCurrency Post ESP<\/title>\n<meta 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