{"id":54794,"date":"2025-10-22T11:31:51","date_gmt":"2025-10-22T11:31:51","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=54794"},"modified":"2025-10-22T11:31:54","modified_gmt":"2025-10-22T11:31:54","slug":"la-reserva-federal-reconoce-a-bitcoin-en-los-sistemas-de-pago-y-propone-skinny-master-accounts","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/la-reserva-federal-reconoce-a-bitcoin-en-los-sistemas-de-pago-y-propone-skinny-master-accounts\/","title":{"rendered":"La Reserva Federal reconoce a Bitcoin en los sistemas de pago y propone un nuevo tipo de cuenta"},"content":{"rendered":"<p><strong>El gobernador de la Reserva Federal, Christopher Waller, dijo que Bitcoin y otras criptomonedas ya forman parte de los sistemas de pago y financieros<\/strong>. <strong>Esa frase marca un cambio en la postura p\u00fablica del banco central<\/strong> y beneficia a reguladores, fintechs, emisores de stablecoins e inversores institucionales, porque abre la posibilidad de acceder directamente a las c\u00e1maras de compensaci\u00f3n. Adem\u00e1s, Waller present\u00f3 la idea de \u201cskinny master accounts\u201d, cuentas de pago para que fintechs y emisores de stablecoins se conecten sin bancos intermediarios.<\/p>\n<p><!--more--><\/p>\n<p><strong>La <a href=\"https:\/\/thecryptocurrencypost.net\/es\/la-reserva-federal-recorta-25-pb-y-fija-el-federal-funds-rate-en-400-425\/\" target=\"_blank\" rel=\"noopener\">Reserva Federal<\/a> deja de mirar desde afuera y empieza a integrar la presencia de criptoactivos<\/strong>, al reconocer su participaci\u00f3n en los sistemas de pago y financieros y al esbozar una v\u00eda de acceso directo a sus infraestructuras. El planteo abre la puerta a una relaci\u00f3n m\u00e1s directa entre actores no bancarios y las c\u00e1maras de compensaci\u00f3n.<\/p>\n<p><strong><a href=\"https:\/\/x.com\/WatcherGuru\/status\/1980730673187987963\" target=\"_blank\" rel=\"noopener noreferrer\">Waller present\u00f3 las \u201cskinny master accounts\u201d<\/a> como cuentas con acceso limitado para actores no bancarios<\/strong>, dise\u00f1adas para que fintechs y emisores de stablecoins puedan liquidar operaciones directas sin convertirse en bancos completos. Seg\u00fan Waller, el objetivo es fomentar la innovaci\u00f3n y la competencia en los servicios de pago.<\/p>\n<p><strong>Las reglas concretas buscan equilibrar innovaci\u00f3n y estabilidad<\/strong>: no pagar\u00e1n intereses, no permitir\u00e1n sobregiros durante el horario de compensaci\u00f3n y tendr\u00e1n un l\u00edmite m\u00e1ximo de saldo. Con estas restricciones, se protege el balance de la Fed y la estabilidad del sistema.<\/p>\n<h2>Postura de la Fed y detalles de las skinny accounts<\/h2>\n<p><strong>El cambio se relaciona con la adopci\u00f3n institucional de Bitcoin<\/strong>: Waller mencion\u00f3 empresas que guardan BTC como reserva estrat\u00e9gica y cit\u00f3 la ley SB21 de Texas, que crea una reserva p\u00fablica de Bitcoin. Tambi\u00e9n destac\u00f3 el aumento de la capitalizaci\u00f3n de Bitcoin y c\u00f3mo los grandes tenedores han acumulado tantos BTC que la oferta disponible en el mercado se percibe m\u00e1s escasa, afectando la forma en que reguladores y responsables de pol\u00edtica monetaria lo eval\u00faan.<\/p>\n<p>El respaldo oficial impulsa a m\u00e1s empresas a guardar criptomonedas en tesorer\u00eda y a m\u00e1s proveedores de pago a aceptarlas, acelerando su integraci\u00f3n operativa. Adem\u00e1s, el acceso directo a las c\u00e1maras de compensaci\u00f3n elimina pasos en la liquidaci\u00f3n y puede mejorar la eficiencia, aunque no elimina la volatilidad inherente de los criptoactivos.<\/p>\n<p><strong>El pr\u00f3ximo paso es esperar la norma y los lineamientos t\u00e9cnicos que publique la Fed sobre esas cuentas<\/strong>, documento que fijar\u00e1 el calendario para empezar a usarlas y precisar\u00e1 si hacen falta ajustes en las leyes federales o estatales.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El gobernador de la Reserva Federal, Christopher Waller, dijo que Bitcoin y otras criptomonedas ya forman parte de los sistemas de pago y financieros. Esa frase marca un cambio en la postura p\u00fablica del banco central y beneficia a reguladores, fintechs, emisores de stablecoins e inversores institucionales, porque abre la posibilidad de acceder directamente a [&hellip;]<\/p>\n","protected":false},"author":33,"featured_media":54793,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_title":"","rank_math_description":"","rank_math_robots":[],"footnotes":""},"categories":[82,33],"tags":[124,140,188,379,728,1335],"class_list":["post-54794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-editors-picks","tag-bitcoin","tag-criptomonedas","tag-mercado","tag-reserva-federal","tag-stablecoin","tag-waller"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La Reserva Federal reconoce a Bitcoin en los sistemas de pago y 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