{"id":57665,"date":"2025-11-25T19:10:04","date_gmt":"2025-11-25T19:10:04","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=57665"},"modified":"2026-05-30T09:24:36","modified_gmt":"2026-05-30T07:24:36","slug":"us-bank-lanza-piloto-de-usbc-su-stablecoin-en-stellar-con-apoyo-de-pwc-y-la-sdf","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/us-bank-lanza-piloto-de-usbc-su-stablecoin-en-stellar-con-apoyo-de-pwc-y-la-sdf\/","title":{"rendered":"U.S. Bank elige la red Stellar para lanzar sus stablecoins personalizadas reguladas"},"content":{"rendered":"<p data-path-to-node=\"3\">U.S. Bank ha comenzado oficialmente las pruebas para la <b>emisi\u00f3n de <a href=\"https:\/\/thecryptocurrencypost.net\/es\/tag\/stablecoins\/\">stablecoins<\/a> personalizadas<\/b> utilizando la infraestructura de <a href=\"https:\/\/x.com\/StellarOrg\/status\/1993352205471223836?s=20\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Stellar<\/strong><\/a>, marcando un avance decisivo hacia el dinero programable institucional. Mike Villano, vicepresidente senior de U.S. Bank, destac\u00f3 que <b>la seguridad y el control son innegociables al integrar activos tokenizados<\/b> en el entorno bancario. Este movimiento estrat\u00e9gico cuenta con el respaldo t\u00e9cnico de PwC y la Stellar Development Foundation (SDF).<\/p>\n<p data-path-to-node=\"4\">La revelaci\u00f3n se realiz\u00f3 durante un episodio del podcast Money 20\/20, donde se detallaron las capacidades t\u00e9cnicas espec\u00edficas que motivaron esta elecci\u00f3n tecnol\u00f3gica. Stellar permite congelar activos y revertir transacciones directamente en su capa base operativa, <b>una funcionalidad cr\u00edtica para cumplir con las estrictas normativas de conocimiento del cliente (KYC)<\/b>. Adem\u00e1s, la red garantiza la capacidad de deshacer operaciones err\u00f3neas, un requisito indispensable para la banca tradicional.<\/p>\n<p data-path-to-node=\"6\">Por otro lado, la infraestructura de esta <a href=\"https:\/\/thecryptocurrencypost.net\/es\/noticias-criptomonedas\/blockchain\/\" target=\"_blank\" rel=\"noopener\"><b>blockchain<\/b><\/a> est\u00e1 dise\u00f1ada espec\u00edficamente para la emisi\u00f3n de activos y el movimiento de dinero a escala global masiva. Las operaciones ofrecen liquidaciones r\u00e1pidas de entre 3 a 5 segundos y tarifas que cuestan una fracci\u00f3n de centavo de d\u00f3lar. <b>Jos\u00e9 Fern\u00e1ndez da Ponte, de la SDF, subray\u00f3 que la confiabilidad de grado institucional<\/b> es fundamental para mover el dinero de los consumidores de forma segura y constante.<\/p>\n<h2>\u00bfQu\u00e9 riesgos advierte el BCE sobre el crecimiento de estos activos?<\/h2>\n<p data-path-to-node=\"9\">Sin embargo, la iniciativa de U.S. Bank busca mitigar estos riesgos mediante el uso de &#8220;dinero programable&#8221; con salvaguardas de cumplimiento integradas desde el inicio. <b>La capacidad de mantener el control regulatorio mientras se aprovechan la velocidad y eficiencia<\/b> de las redes descentralizadas es el n\u00facleo de este piloto. Esto diferencia el enfoque bancario de las stablecoins puramente especulativas que carecen de mecanismos de reversi\u00f3n o congelamiento de fondos il\u00edcitos.<\/p>\n<p data-path-to-node=\"10\">Finalmente, la colaboraci\u00f3n entre U.S. Bank y sus socios t\u00e9cnicos establece un precedente para la adopci\u00f3n bancaria de tecnolog\u00edas descentralizadas bajo marcos regulados estrictos. Se espera que estas pruebas impulsen una mayor integraci\u00f3n de dinero programable, <b>transformando la eficiencia operativa de los servicios financieros tradicionales en los pr\u00f3ximos a\u00f1os<\/b>. El \u00e9xito de este piloto podr\u00eda definir los nuevos est\u00e1ndares para futuros productos de dep\u00f3sito tokenizados en la industria bancaria.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>U.S. Bank ha comenzado oficialmente las pruebas para la emisi\u00f3n de stablecoins personalizadas utilizando la infraestructura de Stellar, marcando un avance decisivo hacia el dinero programable institucional. Mike Villano, vicepresidente senior de U.S. Bank, destac\u00f3 que la seguridad y el control son innegociables al integrar activos tokenizados en el entorno bancario. Este movimiento estrat\u00e9gico cuenta [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":57664,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80,33],"tags":[29,142,377],"class_list":["post-57665","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-companias","category-editors-picks","tag-blockchain","tag-noticias","tag-stellar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>U.S. Bank elige la red Stellar para lanzar sus stablecoins personalizadas reguladas The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"U.S. Bank inicia pruebas para la emisi\u00f3n de stablecoins personalizadas en la red Stellar, avanzando hacia la tokenizaci\u00f3n bancaria con respaldo de PwC.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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