{"id":55073,"date":"2025-10-24T12:26:11","date_gmt":"2025-10-24T12:26:11","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=55073"},"modified":"2026-05-30T09:26:07","modified_gmt":"2026-05-30T07:26:07","slug":"jpmorgan-permitira-usar-bitcoin-y-ether-como-garantia-para-prestamos","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/jpmorgan-permitira-usar-bitcoin-y-ether-como-garantia-para-prestamos\/","title":{"rendered":"JPMorgan permitir\u00e1 usar Bitcoin y Ether como garant\u00eda para pr\u00e9stamos"},"content":{"rendered":"<p><strong>JPMorgan permitir\u00e1 que sus clientes institucionales utilicen <a href=\"https:\/\/thecryptocurrencypost.net\/es\/noticias-criptomonedas\/noticias-bitcoin\/\">Bitcoin<\/a> (BTC) y Ether (ETH) como garant\u00eda para pr\u00e9stamos<\/strong>, en un paso que profundiza la integraci\u00f3n de activos digitales en servicios bancarios. <strong>La medida, reportada a finales de octubre de 2025, se implementar\u00e1 completamente antes de que termine el a\u00f1o<\/strong> y est\u00e1 dirigida a gestores que necesitan liquidez sin vender sus posiciones, seg\u00fan Bloomberg y otros medios.<\/p>\n<p><!--more--><\/p>\n<p>La iniciativa vincula la tenencia de criptomonedas con el financiamiento tradicional, modificando c\u00f3mo los grandes inversores manejan liquidez y riesgo. <strong>La nueva opci\u00f3n ampl\u00eda la pol\u00edtica de junio de 2025<\/strong>, cuando <a href=\"https:\/\/thecryptocurrencypost.net\/es\/jpmorgan-atribuye-el-desplome-del-17-de-octubre-al-desapalancamiento-de-traders-criypto-nativos\/\" target=\"_blank\" rel=\"noopener\">JPMorgan<\/a> ya aceptaba ETFs vinculados a criptomonedas (como IBIT) como garant\u00eda.<\/p>\n<p><strong>El banco no custodiar\u00e1 directamente BTC y ETH en su balance<\/strong>; delegar\u00e1 esa funci\u00f3n en custodios especializados que verifiquen y resguarden los activos, con pr\u00e1cticas como almacenamiento en fr\u00edo y billeteras de m\u00faltiples firmas.<\/p>\n<p><strong>Para gestionar la volatilidad, <a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2025-10-24\/jpmorgan-to-allow-bitcoin-ether-as-collateral-in-crypto-push\" target=\"_blank\" rel=\"noopener noreferrer\">JPMorgan<\/a> aplicar\u00e1 controles de riesgo tradicionales adaptados al entorno cripto<\/strong>: ajustar\u00e1 din\u00e1micamente los ratios pr\u00e9stamo-valor (LTV), monitorear\u00e1 el mercado en tiempo real y activar\u00e1 llamadas de margen con procedimientos predefinidos.<\/p>\n<h2>La importancia de implemente Bitcoin y Ethereum como garant\u00eda<\/h2>\n<p>LTV es la proporci\u00f3n entre el monto prestado y el valor de la garant\u00eda. <strong>La decisi\u00f3n responde a la demanda de clientes, a la competencia con prestamistas cripto y a la percepci\u00f3n de un mercado m\u00e1s maduro tras los ETFs spot de Bitcoin<\/strong>, y <strong>la oferta ser\u00e1 global<\/strong>, reduciendo la necesidad de buscar financiamiento fuera del sistema bancario convencional.<\/p>\n<p><strong>El cambio impulsa la adopci\u00f3n institucional al ofrecer una v\u00eda regulada para apalancar criptoactivos<\/strong>, pero tambi\u00e9n <strong>introduce desaf\u00edos operativos y de riesgo<\/strong>. Un dato contextual: <strong>las declaraciones previas del CEO Jamie Dimon, que calific\u00f3 a las criptomonedas como \u201cfraud\u201d y \u201cworthless\u201d, contrastan con esta decisi\u00f3n pragm\u00e1tica<\/strong>.<\/p>\n<p><strong>El pr\u00f3ximo hito ser\u00e1 la activaci\u00f3n completa del programa antes de finales de 2025<\/strong>, seg\u00fan Bloomberg. <strong>El despliegue y los par\u00e1metros espec\u00edficos de LTV y custodia definir\u00e1n si la iniciativa alivia los problemas de liquidez institucional o si traslada nuevos riesgos al banco<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>JPMorgan permitir\u00e1 que sus clientes institucionales utilicen Bitcoin (BTC) y Ether (ETH) como garant\u00eda para pr\u00e9stamos, en un paso que profundiza la integraci\u00f3n de activos digitales en servicios bancarios. La medida, reportada a finales de octubre de 2025, se implementar\u00e1 completamente antes de que termine el a\u00f1o y est\u00e1 dirigida a gestores que necesitan liquidez [&hellip;]<\/p>\n","protected":false},"author":33,"featured_media":55072,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80,33],"tags":[124,148,140,186,94,1055,896],"class_list":["post-55073","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-companias","category-editors-picks","tag-bitcoin","tag-btc","tag-criptomonedas","tag-eth","tag-ethereum","tag-ibit","tag-jpmorgan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>JPMorgan permitir\u00e1 usar Bitcoin y Ether como garant\u00eda para pr\u00e9stamos The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"JPMorgan 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