{"id":56515,"date":"2025-11-12T12:15:04","date_gmt":"2025-11-12T12:15:04","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=56515"},"modified":"2026-05-30T09:24:46","modified_gmt":"2026-05-30T07:24:46","slug":"breeden-bank-of-england-advierte-que-relajar-reglas-de-stablecoins-pone-en-riesgo-la-estabilidad-financiera-del-reino-unido","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/breeden-bank-of-england-advierte-que-relajar-reglas-de-stablecoins-pone-en-riesgo-la-estabilidad-financiera-del-reino-unido\/","title":{"rendered":"El Bank of England advierte que relajar reglas de stablecoins pone en riesgo la estabilidad financiera del Reino Unido"},"content":{"rendered":"

Sarah Breeden, subgobernadora del Bank of England, advirti\u00f3 que diluir las normas sobre stablecoins<\/a> podr\u00eda amenazar la estabilidad financiera del Reino Unido<\/strong>. Su mensaje enlaza riesgos de liquidez, p\u00e9rdida de paridad y contagio sist\u00e9mico<\/strong>, con implicaciones para emisores, bancos y reguladores. La advertencia llega mientras la consulta sobre el r\u00e9gimen para stablecoins sist\u00e9micas avanza hacia una implementaci\u00f3n prevista para 2026<\/strong>.<\/p>\n

<\/p>\n

Las salvaguardas propuestas buscan preservar la soberan\u00eda monetaria y prevenir corridas digitales<\/strong> que trasladar\u00edan riesgos al sistema bancario tradicional, seg\u00fan Breeden. De acuerdo con la consulta del regulador, los emisores de stablecoins<\/a> sist\u00e9micas deber\u00edan mantener hasta el 60% de sus reservas en deuda gubernamental a corto plazo (gilts)<\/strong> y el resto en activos altamente l\u00edquidos y seguros<\/strong>.<\/p>\n

Como freno macroprudencial, el marco provisional introduce l\u00edmites temporales de tenencia: \u00a320.000 para particulares y \u00a310 millones para empresas<\/strong>, con el objetivo de mitigar la migraci\u00f3n masiva de dep\u00f3sitos bancarios a dinero digital<\/strong>.<\/p>\n

Las stablecoins, y la mirada del Bank of England<\/b><\/h2>\n

Breeden<\/a> alert\u00f3 sobre dos canales cr\u00edticos de da\u00f1o: la degradaci\u00f3n de la calidad de las reservas, que eleva la probabilidad de p\u00e9rdida de paridad (de-pegging)<\/strong>, y la opacidad en auditor\u00edas y divulgaci\u00f3n, que dificulta una intervenci\u00f3n regulatoria oportuna<\/strong>. Para ella, “watered-down rules” equivalen a eliminar barreras esenciales contra riesgos de contagio<\/strong>.<\/p>\n

En una formulaci\u00f3n m\u00e1s directa, Breeden sostuvo: “Watered-down rules are not merely a concession to market demands; they are a direct pathway to insufficient reserve backing”<\/strong>, priorizando la seguridad sobre la b\u00fasqueda de rendimiento.<\/p>\n

Las consecuencias pr\u00e1cticas afectan adopci\u00f3n, liquidez y competitividad de los emisores en el Reino Unido<\/strong>, condicionando su modelo de negocio y su capacidad de escalar en un entorno regulado. Mayor preferencia por activos de alta liquidez<\/strong> implica elevar la proporci\u00f3n de gilts en reservas, lo que reduce el rendimiento disponible para los emisores<\/strong> y acota su margen financiero.<\/p>\n

Freno a la escala r\u00e1pida<\/strong>: los l\u00edmites de tenencia restringen la migraci\u00f3n masiva desde dep\u00f3sitos bancarios<\/strong>, pero tambi\u00e9n acotan la utilidad de las stablecoins a gran escala<\/strong>. Riesgo de arbitraje regulatorio<\/strong>: reglas estrictas pueden empujar a emisores hacia jurisdicciones con menor escrutinio<\/strong>, erosionando la igualdad de condiciones competitivas.<\/p>\n

De cara a 2026, la implementaci\u00f3n del r\u00e9gimen para stablecoins sist\u00e9micas buscar\u00e1 equilibrar viabilidad comercial con salvaguardas<\/strong> que, seg\u00fan el Bank of England, son indispensables para preservar la estabilidad financiera<\/strong> y contener riesgos de contagio.<\/p>\n","protected":false},"excerpt":{"rendered":"

Sarah Breeden, subgobernadora del Bank of England, advirti\u00f3 que diluir las normas sobre stablecoins podr\u00eda amenazar la estabilidad financiera del Reino Unido. Su mensaje enlaza riesgos de liquidez, p\u00e9rdida de paridad y contagio sist\u00e9mico, con implicaciones para emisores, bancos y reguladores. La advertencia llega mientras la consulta sobre el r\u00e9gimen para stablecoins sist\u00e9micas avanza hacia […]<\/p>\n","protected":false},"author":33,"featured_media":56513,"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":[384,1492,254,728],"class_list":["post-56515","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-editors-picks","tag-bank-of-england","tag-breeden","tag-reino-unido","tag-stablecoin"],"yoast_head":"\nEl Bank of England advierte que relajar reglas de stablecoins pone en riesgo la estabilidad financiera del Reino Unido The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"Sarah Breeden, subgobernadora del Bank of England, advirti\u00f3 que diluir las normas sobre stablecoins podr\u00eda amenazar la estabilidad 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