{"id":56788,"date":"2025-11-14T13:13:00","date_gmt":"2025-11-14T13:13:00","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=56788"},"modified":"2026-05-30T09:24:10","modified_gmt":"2026-05-30T07:24:10","slug":"la-fdic-emite-la-guia-fil72025-y-distingue-depositos-tokenizados-de-stablecoins","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/la-fdic-emite-la-guia-fil72025-y-distingue-depositos-tokenizados-de-stablecoins\/","title":{"rendered":"La FDIC emite la gu\u00eda FIL\u20117\u20112025 y distingue dep\u00f3sitos tokenizados de stablecoins"},"content":{"rendered":"<p><strong>La FDIC ha emitido orientaci\u00f3n que diferencia de forma clara entre dep\u00f3sitos tokenizados y <a href=\"https:\/\/thecryptocurrencypost.net\/es\/tag\/stablecoins\/\">stablecoins<\/a><\/strong>, definiendo los primeros como pasivos bancarios asegurados y dejando a los segundos, por lo general, fuera de la cobertura federal. <strong>La medida importa porque habilita la exploraci\u00f3n de actividades cripto bajo un marco m\u00e1s claro<\/strong> y establece nuevas exigencias de gesti\u00f3n de riesgos y registros.<\/p>\n<p><!--more--><\/p>\n<p><strong>La <a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2025-11-13\/fdic-considers-guidance-over-tokenized-deposit-insurance\" target=\"_blank\" rel=\"noopener noreferrer\">gu\u00eda<\/a> reitera que un dep\u00f3sito sigue siendo un dep\u00f3sito aunque su representaci\u00f3n sea un token en una blockchain<\/strong>: cuando el activo es un pasivo directo de una instituci\u00f3n depositaria asegurada, conserva la cobertura de seguro federal de $250.000 por depositante, por banco y por categor\u00eda de titularidad, seg\u00fan la FDIC.<\/p>\n<p><strong>En contraste, los stablecoins no suelen calificarse como dep\u00f3sitos y, por tanto, carecen de seguro federal<\/strong>; su supervisi\u00f3n queda orientada a la composici\u00f3n de reservas y al riesgo sist\u00e9mico asociado. La gu\u00eda <strong>a<\/strong><strong>fecta a bancos, proveedores de infraestructura on\u2011chain, equipos de producto y departamentos de compliance<\/strong> que dise\u00f1an cuentas y programas de tokenizaci\u00f3n, seg\u00fan la directiva FIL\u20117\u20112025 del 28 de marzo de 2025.<\/p>\n<p><strong>La orientaci\u00f3n formaliza la rescisi\u00f3n de la anterior FIL\u201116\u20112022 y el abandono de las &#8220;pause letters&#8221;<\/strong>, se\u00f1alando un cambio desde la prudencia reactiva hacia un marco que permite experimentaci\u00f3n supervisada.<\/p>\n<h2>El impacto de la gu\u00eda provista por <strong>FDIC <\/strong><\/h2>\n<p><strong>FIL\u20117\u20112025 autoriza a las instituciones supervisadas a participar en actividades cripto permitidas sin pedir aprobaci\u00f3n previa<\/strong>, pero condiciona esa libertad a marcos robustos de control operativo y compliance.<\/p>\n<p>La gu\u00eda posibilita ofertas de pagos y liquidaci\u00f3n on\u2011chain por parte de <a href=\"https:\/\/thecryptocurrencypost.net\/es\/economia\/\" target=\"_blank\" rel=\"noopener\">bancos<\/a>, acelerando el desarrollo de soluciones de custodia y de liquidaci\u00f3n transfronteriza bajo la cobertura de seguro cuando aplique. Mientras que la inclusi\u00f3n de dep\u00f3sitos tokenizados en el balance bancario preserva la liquidez vinculada a dep\u00f3sitos tradicionales, mientras que los stablecoins contin\u00faan expuestos a riesgos de reserva.<\/p>\n<p><strong>En palabras del Acting Chair Travis Hill:<\/strong> &#8220;Un dep\u00f3sito es un dep\u00f3sito. Trasladar un dep\u00f3sito del mundo financiero tradicional al mundo de las cadenas de bloques o los registros distribuidos no deber\u00eda cambiar su naturaleza jur\u00eddica&#8221;.<\/p>\n<p><strong>La orientaci\u00f3n marca un punto de inflexi\u00f3n regulatorio que abre espacio a iniciativas bancarias on\u2011chain<\/strong>, pero sit\u00faa el acento en controles y registros; el pr\u00f3ximo hito operativo seguir\u00e1 siendo la publicaci\u00f3n por parte de la FDIC de detalles m\u00e1s granulares sobre auditor\u00eda de contratos inteligentes y requisitos de gesti\u00f3n de riesgo para activos tokenizados.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La FDIC ha emitido orientaci\u00f3n que diferencia de forma clara entre dep\u00f3sitos tokenizados y stablecoins, definiendo los primeros como pasivos bancarios asegurados y dejando a los segundos, por lo general, fuera de la cobertura federal. La medida importa porque habilita la exploraci\u00f3n de actividades cripto bajo un marco m\u00e1s claro y establece nuevas exigencias de [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":56787,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[82,33],"tags":[140,1518,1115,383,855],"class_list":["post-56788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-editors-picks","tag-criptomonedas","tag-fdic","tag-on-chain","tag-stablecoins","tag-token"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La FDIC emite la gu\u00eda FIL\u20117\u20112025 y distingue dep\u00f3sitos tokenizados de stablecoins The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"La FDIC ha emitido orientaci\u00f3n que diferencia de forma clara 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