{"id":55955,"date":"2025-11-04T20:12:44","date_gmt":"2025-11-04T20:12:44","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=55955"},"modified":"2026-05-30T09:35:36","modified_gmt":"2026-05-30T07:35:36","slug":"coinbase-enfrenta-criticas-de-la-banca-tradicional-por-su-solicitud-de-un-trust-bank-charter-federal","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/coinbase-enfrenta-criticas-de-la-banca-tradicional-por-su-solicitud-de-un-trust-bank-charter-federal\/","title":{"rendered":"Oposici\u00f3n bancaria masiva: Coinbase busca trust charter federal y desata tensi\u00f3n"},"content":{"rendered":"<p>Coinbase ha formalizado su petici\u00f3n para obtener un &#8220;trust bank charter&#8221; federal. Esta acci\u00f3n desat\u00f3 la oposici\u00f3n inmediata de influyentes asociaciones bancarias tradicionales. La Oficina del Contralor de la Moneda (OCC), como fuente reguladora, debe ahora sopesar la <b>solicitud de trust bank charter de Coinbase<\/b> y su impacto en el sistema de pagos.<\/p>\n<p><!--more--><\/p>\n<p>Diversos grupos del sector bancario, como el ICBA, BPI y la ABA, han <strong><a href=\"https:\/\/www.icba.org\/newsroom\/news-and-articles\/2025\/11\/04\/icba-urges-occ-to-deny-coinbase-s-national-trust-bank-charter-application\" target=\"_blank\" rel=\"noopener noreferrer\">solicitado<\/a><\/strong> formalmente a la OCC que rechace la petici\u00f3n. <b>El ICBA oficializ\u00f3 su rechazo este 4 de noviembre de 2025<\/b>, subrayando la urgencia de su postura. Los cr\u00edticos advierten sobre un &#8220;arbitraje regulatorio&#8221;, ya que temen que Coinbase acceda a sistemas de pago federales. Esto suceder\u00eda sin asumir las mismas obligaciones que los bancos comerciales tradicionales.<\/p>\n<p>La petici\u00f3n de Coinbase responde a necesidades operativas claras del <a href=\"https:\/\/thecryptocurrencypost.net\/es\/tag\/mercado\/\">mercado cripto<\/a>. Busca simplificar el complejo sistema de licencias estatales. Adem\u00e1s, pretende ofrecer servicios de custodia regulada y <b>reforzar las operaciones vinculadas a las stablecoins<\/b>. T\u00e9cnicamente, estos charters permiten la custodia fiduciaria de activos, pero no la concesi\u00f3n de pr\u00e9stamos. Tampoco habilitan dep\u00f3sitos asegurados por la FDIC, una diferencia clave que sus defensores usan como argumento.<\/p>\n<h2>\u00bfEst\u00e1n los bancos tradicionales listos para la competencia del d\u00f3lar digital?<\/h2>\n<p>El inter\u00e9s estrat\u00e9gico detr\u00e1s de la <b>solicitud de trust bank charter de Coinbase<\/b> es inmenso. Un estudio reciente estima que <b>hasta 1 bill\u00f3n de d\u00f3lares podr\u00eda migrar desde dep\u00f3sitos<\/b> de mercados emergentes hacia stablecoins estadounidenses para 2028. Los bancos ven esto como una amenaza directa a su base de dep\u00f3sitos. Por otro lado, otras <a href=\"https:\/\/thecryptocurrencypost.net\/es\/companias\/\" target=\"_blank\" rel=\"noopener\"><b>compa\u00f1\u00edas<\/b><\/a> como Stripe, Circle y Paxos tambi\u00e9n exploran rutas regulatorias similares. Esto convierte el debate en una redefinici\u00f3n institucional del sector.<\/p>\n<p>Esta disputa condiciona la futura infraestructura de pagos y la calidad de la custodia institucional. <b>La decisi\u00f3n que adopte la OCC ser\u00e1 el pr\u00f3ximo hito regulatorio<\/b> que definir\u00e1 la integraci\u00f3n cripto. Determinar\u00e1 si el marco federal facilita o restringe el acceso de los proveedores de activos digitales a los sistemas de pago existentes. El resultado afectar\u00e1 directamente la disponibilidad de liquidez en d\u00f3lares tokenizados.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Coinbase ha formalizado su petici\u00f3n para obtener un &#8220;trust bank charter&#8221; federal. Esta acci\u00f3n desat\u00f3 la oposici\u00f3n inmediata de influyentes asociaciones bancarias tradicionales. La Oficina del Contralor de la Moneda (OCC), como fuente reguladora, debe ahora sopesar la solicitud de trust bank charter de Coinbase y su impacto en el sistema de pagos.<\/p>\n","protected":false},"author":36,"featured_media":55954,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80,33],"tags":[220,142,285],"class_list":["post-55955","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-companias","category-editors-picks","tag-coinbase","tag-noticias","tag-regulacion-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Oposici\u00f3n bancaria masiva: Coinbase busca trust charter federal y desata tensi\u00f3n The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"La solicitud de trust bank charter de Coinbase enfrenta dura oposici\u00f3n bancaria. 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