{"id":56881,"date":"2025-11-17T11:16:37","date_gmt":"2025-11-17T11:16:37","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=56881"},"modified":"2026-05-30T09:48:04","modified_gmt":"2026-05-30T07:48:04","slug":"alibaba-usara-la-infraestructura-blockchain-de-jpmorgan-para-pagos-tokenizados-en-dolares-y-euros","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/alibaba-usara-la-infraestructura-blockchain-de-jpmorgan-para-pagos-tokenizados-en-dolares-y-euros\/","title":{"rendered":"Alibaba usar\u00e1 la infraestructura blockchain de JPMorgan para pagos tokenizados en d\u00f3lares y euros"},"content":{"rendered":"<p><strong>Alibaba acord\u00f3 emplear la infraestructura blockchain de JPMorgan para procesar pagos tokenizados en d\u00f3lares y euros<\/strong>, con un despliegue proyectado para diciembre de 2025. <strong>El proyecto fusiona la plataforma de tokenizaci\u00f3n de valor de un banco mayorista con la automatizaci\u00f3n de contratos de Alibaba<\/strong> y afecta a comerciantes B2B, custodios y equipos de compliance en mercados transfronterizos.<\/p>\n<p><!--more--><\/p>\n<p>La soluci\u00f3n se apoya en la infraestructura <strong>JPMD de <a href=\"https:\/\/www.cnbc.com\/2025\/11\/14\/alibaba-plans-ai-subscriptions-stablecoin-like-payments-with-jpmorgan.html\" target=\"_blank\" rel=\"noopener noreferrer\">JPMorgan<\/a>, operada mayoritariamente sobre la plataforma empresarial Kinexys (antes Onyx)<\/strong>; JPMorgan ha probado variantes de su tecnolog\u00eda en redes p\u00fablicas en casos puntuales. <strong>JPMD funciona como una red permissioned<\/strong>, lo que permite controlar participantes, preservar privacidad de datos y facilitar cumplimiento normativo; una red permissioned es una cadena con acceso restringido y controlado por entidades autorizadas.<\/p>\n<p>El sistema usa <strong>deposit tokens<\/strong>, que son representaciones digitales de dinero comercial registrado en el balance del banco y constituyen un derecho directo sobre esas obligaciones. <strong>Estos tokens permanecen dentro del entorno bancario regulado<\/strong> y, donde aplique, cuentan con esquemas de protecci\u00f3n como el seguro de dep\u00f3sitos (por ejemplo, FDIC en EE. UU.). Esa estructura contrasta con <a href=\"https:\/\/thecryptocurrencypost.net\/es\/tag\/stablecoins\/\">stablecoins<\/a> emitidas por entidades fuera del sistema bancario y ofrece una ruta de tokenizaci\u00f3n alineada con marcos regulatorios estrictos, especialmente relevante en jurisdicciones con controles de capital y restricciones sobre activos digitales.<\/p>\n<h2>\u00bfPor qu\u00e9 se decidi\u00f3 por la estructura de JPMorgan?<\/h2>\n<p>T\u00e9cnicamente, la plataforma permite <strong>transferencias inmutables y casi instant\u00e1neas de valor<\/strong>: JPMorgan estima liquidaciones en torno a <strong>tres segundos<\/strong>, frente a los d\u00edas que requieren los procesos tradicionales. <strong><a href=\"https:\/\/thecryptocurrencypost.net\/es\/companias\/\" target=\"_blank\" rel=\"noopener\">Alibaba<\/a> integrar\u00e1 su motor AI Agentic Pay<\/strong> para transformar conversaciones comerciales en borradores contractuales y automatizar la iniciaci\u00f3n de pagos sobre la red tokenizada, reduciendo intervenci\u00f3n manual en la cadena de liquidaci\u00f3n.<\/p>\n<p>Adem\u00e1s, el proyecto contempla <strong>interoperabilidad<\/strong>: JPMorgan persigue marcos que conecten distintas redes y bancos, incluida una colaboraci\u00f3n previa con otro banco regional para facilitar transferencias inter-blockchain, lo que apunta a un <strong>dise\u00f1o orientado a arquitectura multi-red<\/strong>.<\/p>\n<h2>Implicaciones para operaciones, riesgo y regulaci\u00f3n<\/h2>\n<p>El acuerdo implica efectos concretos sobre operaciones, riesgo y regulaci\u00f3n. Para product managers y equipos de compliance representa un caso de <strong>\u201cinnovaci\u00f3n regulada\u201d<\/strong>: la tokenizaci\u00f3n dentro del balance bancario minimiza riesgos de contrapartida asociados a emisores no bancarios, pero exige <strong>controles de custodia, KYC\/AML<\/strong> y adaptaci\u00f3n del marco operativo.<\/p>\n<p>Para tesorer\u00edas y log\u00edstica comercial supone <strong>liberaci\u00f3n de capital por menor tiempo de liquidaci\u00f3n y reducci\u00f3n de fricci\u00f3n operacional<\/strong>. Adem\u00e1s, la combinaci\u00f3n de liquidaci\u00f3n objetivo en ~3 segundos y automatizaci\u00f3n con Agentic Pay conlleva una <strong>reducci\u00f3n de costes operativos proyectada en ~70%<\/strong>, enlazando la fase comercial con la ejecuci\u00f3n tokenizada.<\/p>\n<p>El pr\u00f3ximo hito verificado es el <strong>lanzamiento previsto para diciembre de 2025<\/strong>; hasta entonces, el desarrollo requerir\u00e1 validaciones regulatorias, pruebas de interoperabilidad y ajustes operativos para integraci\u00f3n de custodia y procesos KYC\/AML.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Alibaba acord\u00f3 emplear la infraestructura blockchain de JPMorgan para procesar pagos tokenizados en d\u00f3lares y euros, con un despliegue proyectado para diciembre de 2025. El proyecto fusiona la plataforma de tokenizaci\u00f3n de valor de un banco mayorista con la automatizaci\u00f3n de contratos de Alibaba y afecta a comerciantes B2B, custodios y equipos de compliance en [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":56880,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80,33],"tags":[1524,29,1523,896,1522],"class_list":["post-56881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-companias","category-editors-picks","tag-alibaba","tag-blockchain","tag-jpmd","tag-jpmorgan","tag-kinexys"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Alibaba usar\u00e1 la infraestructura blockchain de JPMorgan para pagos tokenizados en d\u00f3lares y euros The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" 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acord\u00f3 emplear la infraestructura blockchain de JPMorgan para procesar pagos tokenizados en d\u00f3lares y euros","og_url":"https:\/\/thecryptocurrencypost.net\/es\/alibaba-usara-la-infraestructura-blockchain-de-jpmorgan-para-pagos-tokenizados-en-dolares-y-euros\/","og_site_name":"The CryptoCurrency Post ESP","article_published_time":"2025-11-17T11:16:37+00:00","article_modified_time":"2026-05-30T07:48:04+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/thecryptocurrencypost.net\/es\/wp-content\/uploads\/sites\/2\/2025\/11\/alibaba-jpmorgan-tokenized-payments.jpg","type":"image\/jpeg"}],"author":"Mason Clarke","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Mason Clarke","Tiempo de lectura":"3 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