{"id":56285,"date":"2025-11-10T12:39:57","date_gmt":"2025-11-10T12:39:57","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=56285"},"modified":"2026-05-30T09:27:21","modified_gmt":"2026-05-30T07:27:21","slug":"reino-unido-impondra-limites-a-las-tenencias-de-stablecoins-en-un-regimen-mas-estricto-que-ee-uu","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/reino-unido-impondra-limites-a-las-tenencias-de-stablecoins-en-un-regimen-mas-estricto-que-ee-uu\/","title":{"rendered":"Reino Unido impondr\u00e1 l\u00edmites a las tenencias de stablecoins en un r\u00e9gimen m\u00e1s estricto que EE. UU."},"content":{"rendered":"<p><strong>El Banco de Inglaterra abri\u00f3 el 10 de noviembre de 2025 una consulta para imponer l\u00edmites temporales a las tenencias de <a href=\"https:\/\/thecryptocurrencypost.net\/es\/tag\/stablecoins\/\">stablecoins<\/a> denominadas en libra<\/strong>. <strong>La propuesta fija topes de hasta \u00a320.000 para personas f\u00edsicas y \u00a310.000.000 para empresas<\/strong>. La medida, que no se implementar\u00e1 antes de 2026, busca preservar la estabilidad del sistema bancario y afecta a usuarios minoristas, tesorer\u00edas corporativas y emisores sist\u00e9micos.<\/p>\n<p><!--more--><\/p>\n<p><strong><a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2025-11-10\/uk-to-limit-stablecoin-holdings-in-tougher-regime-than-us\" target=\"_blank\" rel=\"noopener noreferrer\">La propuesta<\/a> prioriza la protecci\u00f3n del mercado hipotecario brit\u00e1nico<\/strong>, que depende mayoritariamente de la financiaci\u00f3n bancaria comercial, seg\u00fan la portavoz del regulador. El enfoque pretende limitar riesgos de desintermediaci\u00f3n financiera y traslados bruscos de dep\u00f3sitos hacia instrumentos tokenizados.<\/p>\n<p><strong>Para emisores categorizados como sist\u00e9micos, se plantean requisitos de reservas conservadores y prescriptivos<\/strong>: un m\u00e1ximo del 60% en deuda p\u00fablica brit\u00e1nica a corto plazo y un 40% en dep\u00f3sitos no remunerados en el propio Banco de Inglaterra; en una fase transicional se permitir\u00eda hasta un 95% en bonos del Estado. Estas reglas condicionan la composici\u00f3n de reservas y la exposici\u00f3n de los usuarios.<\/p>\n<p><strong>A diferencia <a href=\"https:\/\/thecryptocurrencypost.net\/es\/bank-of-england-presentara-regimen-regulatorio-para-stablecoins-y-se-alinea-con-ee-uu\/\" target=\"_blank\" rel=\"noopener\">del enfoque brit\u00e1nico<\/a>, la ley estadounidense GENIUS, firmada el 18 de julio de 2025, no impone topes de propiedad<\/strong> a individuos o empresas. Exige respaldo 1:1 con reservas en efectivo o bonos del Tesoro de EE. UU. con vencimiento de 90 d\u00edas o menos, junto con divulgaciones mensuales de la composici\u00f3n de reservas; el reglamento detallado se espera para principios de 2027, con cumplimiento total previsto para mediados de 2028.<\/p>\n<h2>Las funciones de la propuesta de stablecoins del Bank of England<\/h2>\n<p><strong>El sector ha mostrado cr\u00edticas ante los topes propuestos<\/strong>. Tom Duff Gordon, vicepresidente de pol\u00edtica internacional de Coinbase, advirti\u00f3: &#8216;imposing caps on stablecoins is bad for UK savers, bad for the City and bad for sterling&#8217;, reflejando preocupaci\u00f3n por posible fuga de capitales y aumento de costes operativos. Stablecoin: token dise\u00f1ado para mantener paridad con una moneda fiat, t\u00edpicamente respaldado por reservas.<\/p>\n<p><strong>La propuesta brit\u00e1nica puede reducir la adopci\u00f3n minorista dom\u00e9stica y aumentar la complejidad de cumplimiento<\/strong> para emisores y custodios, con efectos directos en la liquidez de los mercados locales.<\/p>\n<p><strong>Para tesorer\u00edas corporativas, los l\u00edmites y la composici\u00f3n de reservas pueden encarecer el acceso a medios de pago tokenizados<\/strong> y favorecer jurisdicciones con marcos menos restrictivos.<\/p>\n<p><strong>La exigencia de dep\u00f3sitos no remunerados en el banco central introduce concentraci\u00f3n de contraparte<\/strong> y costes de oportunidad para emisores, condicionando su gesti\u00f3n de efectivo y riesgos.<\/p>\n<p><strong>El calendario regulatorio marca 2026 para el inicio de la implementaci\u00f3n en el Reino Unido, frente a una aplicaci\u00f3n escalonada en EE. UU. entre 2027 y 2028<\/strong>; ambos plazos ser\u00e1n hitos clave para traders, tesorer\u00edas y emisores que deben ajustar liquidez, custodia y cumplimiento.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Banco de Inglaterra abri\u00f3 el 10 de noviembre de 2025 una consulta para imponer l\u00edmites temporales a las tenencias de stablecoins denominadas en libra. La propuesta fija topes de hasta \u00a320.000 para personas f\u00edsicas y \u00a310.000.000 para empresas. La medida, que no se implementar\u00e1 antes de 2026, busca preservar la estabilidad del sistema bancario [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":56284,"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":[384,140,382,254,728],"class_list":["post-56285","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-editors-picks","tag-bank-of-england","tag-criptomonedas","tag-eeuu","tag-reino-unido","tag-stablecoin"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Reino Unido impondr\u00e1 l\u00edmites a las tenencias de stablecoins en un r\u00e9gimen m\u00e1s estricto que EE. UU. 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UU. The CryptoCurrency Post ESP","description":"El Banco de Inglaterra abri\u00f3 el 10 de noviembre de 2025 una consulta para imponer l\u00edmites temporales a las tenencias de stablecoins denominadas en libra.","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\/reino-unido-impondra-limites-a-las-tenencias-de-stablecoins-en-un-regimen-mas-estricto-que-ee-uu\/","og_locale":"es_ES","og_type":"article","og_title":"Reino Unido impondr\u00e1 l\u00edmites a las tenencias de stablecoins en un r\u00e9gimen m\u00e1s estricto que EE. UU. The CryptoCurrency Post ESP","og_description":"El Banco de Inglaterra abri\u00f3 el 10 de noviembre de 2025 una consulta para imponer l\u00edmites temporales a las tenencias de stablecoins denominadas en libra.","og_url":"https:\/\/thecryptocurrencypost.net\/es\/reino-unido-impondra-limites-a-las-tenencias-de-stablecoins-en-un-regimen-mas-estricto-que-ee-uu\/","og_site_name":"The CryptoCurrency Post ESP","article_published_time":"2025-11-10T12:39:57+00:00","article_modified_time":"2026-05-30T07:27:21+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/11\/uk-stablecoins-regulation-header.jpg","type":"image\/jpeg"}],"author":"Scarlett Hayes","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Scarlett Hayes","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/thecryptocurrencypost.net\/es\/reino-unido-impondra-limites-a-las-tenencias-de-stablecoins-en-un-regimen-mas-estricto-que-ee-uu\/#article","isPartOf":{"@id":"https:\/\/thecryptocurrencypost.net\/es\/reino-unido-impondra-limites-a-las-tenencias-de-stablecoins-en-un-regimen-mas-estricto-que-ee-uu\/"},"author":{"name":"Scarlett Hayes","@id":"https:\/\/thecryptocurrencypost.net\/es\/#\/schema\/person\/e50e4303a320df963aea6d63bcae8783"},"headline":"Reino Unido impondr\u00e1 l\u00edmites a las tenencias de stablecoins en un r\u00e9gimen m\u00e1s estricto que EE. 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