{"id":57817,"date":"2025-11-27T11:37:05","date_gmt":"2025-11-27T11:37:05","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=57817"},"modified":"2026-05-30T09:42:47","modified_gmt":"2026-05-30T07:42:47","slug":"fondos-del-mercado-monetario-tokenizados-suben-a-casi-90-mil-m-bis-alerta-de-nuevos-riesgos","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/fondos-del-mercado-monetario-tokenizados-suben-a-casi-90-mil-m-bis-alerta-de-nuevos-riesgos\/","title":{"rendered":"Fondos del mercado monetario tokenizados suben a casi $9,0 mil M"},"content":{"rendered":"<p><strong>Los fondos del mercado monetario tokenizados (TMMF) han crecido hasta rozar los $9.000 M<\/strong>, en un avance que representa <strong>casi una multiplicaci\u00f3n por diez respecto a 2023<\/strong>, seg\u00fan datos del sector. <strong>El impulso de grandes gestoras convive con advertencias del BIS<\/strong> sobre vulnerabilidades sist\u00e9micas derivadas de la combinaci\u00f3n de tokenizaci\u00f3n y stablecoins. Related: Tokenized money market funds surge to $9B, BIS warns of new risks<\/p>\n<p><!--more--><\/p>\n<p>El fen\u00f3meno ha atra\u00eddo a actores institucionales: <strong><a href=\"https:\/\/thecryptocurrencypost.net\/es\/companias\/\" target=\"_blank\" rel=\"noopener\">BlackRock<\/a> lanz\u00f3 BUIDL, que capt\u00f3 m\u00e1s de $240 M en su primera semana y escal\u00f3 a $2,5 mil M<\/strong>, mientras que <strong>Franklin Templeton mantiene FOBXX (tambi\u00e9n conocido como BENJI) con alrededor de $600 M en activos<\/strong>. Otras instituciones activas incluyen <strong>Goldman Sachs, BNY Mellon, JPMorgan y Circle (USYC)<\/strong>, se\u00f1al de una adopci\u00f3n que se expande en la infraestructura financiera tradicional.<\/p>\n<p>Las iniciativas muestran <strong>despliegues multiplataforma en <a href=\"https:\/\/thecryptocurrencypost.net\/es\/noticias-criptomonedas\/noticias-ethereum\/\">Ethereum<\/a>, <a href=\"https:\/\/stellar.org\/es\" target=\"_blank\" rel=\"noopener noreferrer\">Stellar<\/a>, Solana y Arbitrum<\/strong>, evidenciando la b\u00fasqueda de eficiencia y alcance en distintas redes p\u00fablicas y de permiso. Mercados como <strong>Hong Kong impulsan la infraestructura<\/strong>: China Asset Management (Hong Kong) lanz\u00f3 fondos tokenizados en RMB y se exploran bonos verdes tokenizados y exenciones fiscales para ETFs tokenizados, articulando un marco propicio para la innovaci\u00f3n.<\/p>\n<h2>Riesgos, regulaci\u00f3n y consecuencias operativas<\/h2>\n<p>El BIS ha advertido sobre <strong>riesgos macrofinancieros<\/strong>: potenciales \u201cfire sales\u201d de activos seguros, mayor fragilidad de mercado y la posibilidad de que <strong>stablecoins act\u00faen como vector que acelere la tokenizaci\u00f3n de activos reales sin suficientes salvaguardas<\/strong>, amplificando desequilibrios bajo condiciones de estr\u00e9s.<\/p>\n<p>La Banque de France tambi\u00e9n ha se\u00f1alado la <strong>vulnerabilidad de la tecnolog\u00eda de registro distribuido (DLT) a ciberataques<\/strong> que apuntan a contratos inteligentes; desde 2021 se registraron robos significativos en el sector de criptoactivos.<\/p>\n<p>Los riesgos combinan <strong>factores tradicionales de los MMF \u2014cr\u00e9dito, liquidez y sensibilidad a tipos\u2014 con nuevas fragilidades digitales<\/strong>, como fallos de contratos inteligentes, ataques cibern\u00e9ticos y complejidad en la integraci\u00f3n entre infraestructuras digitales y sistemas bancarios.<\/p>\n<p><strong>Regulaci\u00f3n y gobernanza siguen siendo un desaf\u00edo<\/strong>: las autoridades buscan encajar la innovaci\u00f3n dentro del principio \u201cmisma actividad, mismo riesgo, mismo resultado regulatorio\u201d, pero la <strong>clasificaci\u00f3n legal y la interoperabilidad normativa est\u00e1n incompletas<\/strong>, lo que genera incertidumbre para tesorer\u00edas institucionales y gestores de liquidez respecto a requisitos y controles.<\/p>\n<p>La r\u00e1pida expansi\u00f3n de los TMMF plantea una disyuntiva operativa y regulatoria: <strong>eficiencia y acceso ampliado frente a nuevos vectores de riesgo sist\u00e9mico<\/strong>. La pr\u00f3xima fase ser\u00e1 la respuesta supervisora y normativa, con <strong>consultas y gu\u00edas del BIS y bancos centrales<\/strong> que definir\u00e1n el marco operativo para integrar la tokenizaci\u00f3n sin comprometer la estabilidad financiera.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Los fondos del mercado monetario tokenizados (TMMF) han crecido hasta rozar los $9.000 M, en un avance que representa casi una multiplicaci\u00f3n por diez respecto a 2023, seg\u00fan datos del sector. El impulso de grandes gestoras convive con advertencias del BIS sobre vulnerabilidades sist\u00e9micas derivadas de la combinaci\u00f3n de tokenizaci\u00f3n y stablecoins. Related: Tokenized money [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":57816,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80,33],"tags":[1589,896,338],"class_list":["post-57817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-companias","category-editors-picks","tag-buidl","tag-jpmorgan","tag-solana"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fondos del mercado monetario tokenizados suben a casi $9,0 mil M The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"Los fondos del mercado monetario tokenizados (TMMF) han crecido hasta rozar los $9.000 M\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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