{"id":58080,"date":"2025-12-01T13:30:11","date_gmt":"2025-12-01T13:30:11","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=58080"},"modified":"2026-05-30T09:23:21","modified_gmt":"2026-05-30T07:23:21","slug":"bank-of-israel-endurece-la-regulacion-de-monedas-estables-y-avanza-el-shekel-digital-hacia-2026","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/bank-of-israel-endurece-la-regulacion-de-monedas-estables-y-avanza-el-shekel-digital-hacia-2026\/","title":{"rendered":"El Banco Central de Israel endurece la regulaci\u00f3n de stablecoins y avanza el shekel digital hacia 2026"},"content":{"rendered":"<p><strong>El Bank of Israel adopt\u00f3 una postura regulatoria m\u00e1s estricta sobre las <a href=\"https:\/\/thecryptocurrencypost.net\/es\/tag\/stablecoins\/\">stablecoins<\/a><\/strong> mientras impulsa una moneda digital del banco central, el <strong>shekel digital<\/strong>, con una <strong>hoja de ruta de 2026<\/strong>. La supervisi\u00f3n se presenta como necesaria para abordar <strong>riesgos de concentraci\u00f3n<\/strong> y preservar la <strong>estabilidad financiera<\/strong> mientras se desarrolla un instrumento de pago digital soberano.<\/p>\n<p><!--more--><\/p>\n<p>El <a href=\"https:\/\/www.gov.il\/en\/departments\/bank_of_israel\/govil-landing-page\" target=\"_blank\" rel=\"noopener noreferrer\">banco central de Israel<\/a> describi\u00f3 a las stablecoins como un segmento de la finanza digital de <strong>relevancia sist\u00e9mica<\/strong>. El regulador cita vol\u00famenes de negociaci\u00f3n mensuales en el sector cercanos a los <strong>$2 billones<\/strong> y un valor de mercado mundial estimado por encima de los <strong>$4 billones<\/strong>, con actividad fuertemente concentrada en unos pocos emisores que representan aproximadamente el <strong>99% de los flujos<\/strong>.<\/p>\n<p>El <a href=\"https:\/\/thecryptocurrencypost.net\/es\/economia\/\" target=\"_blank\" rel=\"noopener\">Bank of Israel<\/a> ha avanzado para <strong>prohibir las stablecoins algor\u00edtmicas<\/strong> y exigir que las stablecoins permitidas mantengan <strong>reservas 1:1<\/strong> y estrictos <strong>colchones de liquidez<\/strong>. Una consulta p\u00fablica iniciada en febrero de 2023 ha informado estas posiciones y ha guiado la preferencia del banco por salvaguardas claras y exigibles para reducir los riesgos derivados de la falla del emisor o de eventos de p\u00e9rdida del anclaje. El gobernador <strong>Amir Yaron<\/strong> se\u00f1al\u00f3 que estos activos ya no pueden tratarse como marginales y requieren un <strong>marco regulatorio acorde con la escala de su mercado<\/strong>.<\/p>\n<h2>Desarrollo del shekel digital y prioridades de dise\u00f1o<\/h2>\n<p>Simult\u00e1neamente, el banco central est\u00e1 avanzando en el <strong>shekel digital<\/strong> como un <strong>complemento directo y libre de riesgo<\/strong> al efectivo y a los dep\u00f3sitos bancarios, con un proceso de dise\u00f1o que condujo a un documento preliminar publicado el <strong>3 de marzo de 2025<\/strong>. Una moneda digital del banco central (CBDC) es una forma digital de pasivo del banco central para uso p\u00fablico. El shekel digital se est\u00e1 planificando como una <strong>unidad convertible uno a uno<\/strong> con el shekel existente, destinada a actuar como <strong>ancla soberana<\/strong> en el ecosistema de pagos.<\/p>\n<p>Las decisiones clave de dise\u00f1o incluyen <strong>excluir la programabilidad<\/strong> para limitar el control centralizado sobre el gasto, <strong>mejorar la privacidad<\/strong> en relaci\u00f3n con muchos m\u00e9todos de pago actuales y permitir la capacidad de <strong>transacciones sin conexi\u00f3n<\/strong> para mejorar la resiliencia. El proyecto ha utilizado veh\u00edculos de participaci\u00f3n p\u00fablica \u2014notablemente el <strong>\u201cDigital Shekel Challenge\u201d<\/strong> que concluy\u00f3 el <strong>31 de octubre de 2024<\/strong>\u2014 para solicitar aportes t\u00e9cnicos sobre arquitectura y recorridos de usuario. El banco central describe la CBDC como una <strong>base para servicios de pago m\u00e1s r\u00e1pidos, m\u00e1s baratos y m\u00e1s innovadores<\/strong>, al tiempo que preserva el pasivo del banco central como la <strong>capa de confianza<\/strong> \u00faltima.<\/p>\n<p>El enfoque dual del Bank of Israel \u2014endurecer las normas en torno a las stablecoins privadas y sentar las bases t\u00e9cnicas y de pol\u00edtica para una CBDC minorista\u2014 busca <strong>reducir la exposici\u00f3n sist\u00e9mica<\/strong> a la vez que ofrece una <strong>alternativa soberana<\/strong> para los pagos digitales.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Bank of Israel adopt\u00f3 una postura regulatoria m\u00e1s estricta sobre las stablecoins mientras impulsa una moneda digital del banco central, el shekel digital, con una hoja de ruta de 2026. La supervisi\u00f3n se presenta como necesaria para abordar riesgos de concentraci\u00f3n y preservar la estabilidad financiera mientras se desarrolla un instrumento de pago digital [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":58079,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[82,33],"tags":[1602,1603,383],"class_list":["post-58080","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-editors-picks","tag-bank-of-israel","tag-shekel-digital","tag-stablecoins"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El Banco Central de Israel endurece la regulaci\u00f3n de stablecoins y avanza el shekel digital hacia 2026 The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"El Bank of Israel adopt\u00f3 una 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