{"id":58293,"date":"2025-12-03T11:23:07","date_gmt":"2025-12-03T11:23:07","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=58293"},"modified":"2026-05-30T09:34:03","modified_gmt":"2026-05-30T07:34:03","slug":"10-bancos-de-la-ue-se-unen-para-lanzar-una-stablecoin-en-euros-en-2026","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/10-bancos-de-la-ue-se-unen-para-lanzar-una-stablecoin-en-euros-en-2026\/","title":{"rendered":"10 bancos de la UE se unen para lanzar una stablecoin en euros en 2026"},"content":{"rendered":"<p><strong>Diez grandes bancos europeos han creado el consorcio Qivalis para emitir una stablecoin vinculada al euro<\/strong>, con el objetivo de estar operativa en la segunda mitad de 2026. <strong>La iniciativa busca ofrecer una alternativa digital al euro para pagos institucionales y reducir la dependencia de <a href=\"https:\/\/thecryptocurrencypost.net\/es\/tag\/stablecoins\/\">stablecoins<\/a> denominadas en d\u00f3lares<\/strong>.<\/p>\n<p><!--more--><\/p>\n<p><strong>El grupo fundador re\u00fane a <a href=\"https:\/\/group.bnpparibas\/en\/press-release\/bnp-paribas-joins-european-consortium-to-launch-euro-backed-stablecoin\" target=\"_blank\" rel=\"noopener noreferrer\">diez bancos europeos<\/a> de primer nivel<\/strong>, que se han asociado para impulsar el lanzamiento y la adopci\u00f3n de la stablecoin en euros: ING, UniCredit, BNP Paribas, Banca Sella, KBC, DekaBank, Danske Bank, SEB, CaixaBank y Raiffeisen Bank International.<\/p>\n<p>Qivalis tiene su domicilio en \u00c1msterdam y est\u00e1 solicitando la autorizaci\u00f3n como Electronic Money Institution (EMI) ante De Nederlandsche Bank (DNB). <strong>Jan\u2011Oliver Sell, anteriormente ejecutivo en Coinbase Germany, ha sido nombrado CEO<\/strong> para liderar el proyecto y coordinar el desarrollo con los bancos miembros.<\/p>\n<p><strong>La <a href=\"https:\/\/thecryptocurrencypost.net\/es\/economia\/\" target=\"_blank\" rel=\"noopener\">stablecoin<\/a> operar\u00e1 bajo MiCAR, en plena aplicaci\u00f3n desde el 30 de diciembre de 2024<\/strong>. El marco exige fuertes protecciones al consumidor, auditor\u00edas independientes de las reservas y salvaguardas de liquidez, incluido el requisito de que al menos el 30% de las reservas se mantengan como dep\u00f3sitos bancarios en instituciones de cr\u00e9dito reguladas.<\/p>\n<p><strong>Qivalis prev\u00e9 un respaldo 1:1 en euros con reservas segregadas de los fondos operativos<\/strong> y sujetas a auditor\u00edas independientes peri\u00f3dicas. La composici\u00f3n de las reservas priorizar\u00e1 la liquidez inmediata \u2014dep\u00f3sitos bancarios para reembolsos\u2014 y activos de alta calidad y corto plazo, como papel gubernamental, para las tenencias secundarias.<\/p>\n<h2>Dise\u00f1o del producto, tecnolog\u00eda, riesgos y despliegue<\/h2>\n<p>La Tecnolog\u00eda de Libro Mayor Distribuido (DLT) se refiere a bases de datos descentralizadas que registran transacciones en m\u00faltiples nodos; <strong>Qivalis pretende utilizar una DLT autorizada y de nivel empresarial<\/strong> dise\u00f1ada para alto rendimiento, baja latencia e integraci\u00f3n con sistemas bancarios heredados. Los casos de uso previstos enfatizan los pagos entre empresas (B2B), las operaciones de tesorer\u00eda corporativa y <strong>los pagos programables habilitados por contratos inteligentes<\/strong> para automatizar liquidaciones condicionales y conciliaciones.<\/p>\n<p><strong>Los riesgos del proyecto incluyen la aprobaci\u00f3n regulatoria, la complejidad operativa, las amenazas de ciberseguridad y la adopci\u00f3n m\u00e1s all\u00e1 de clientes institucionales<\/strong>. El respaldo del consorcio por parte de bancos y el cumplimiento de MiCAR se plantean como medidas de mitigaci\u00f3n, pero el riesgo de ejecuci\u00f3n sigue siendo significativo dada la necesidad de integrar las pasarelas bancarias y obtener la autorizaci\u00f3n de DNB.<\/p>\n<p>La iniciativa entra en un campo competitivo dominado por grandes stablecoins denominadas en d\u00f3lares como USDT y USDC y se enfrenta a otros proyectos en euros, incluidas iniciativas privadas emergentes. <strong>Qivalis planea un despliegue por fases con foco en B2B y tesorer\u00eda<\/strong> para generar confianza e integraci\u00f3n antes de una expansi\u00f3n m\u00e1s amplia, con la previsi\u00f3n de estar operativa en la segunda mitad de 2026 y realizar pilotos interinos o despliegues dirigidos durante la implementaci\u00f3n.<\/p>\n<p><strong>Qivalis representa un impulso coordinado de bancos incumbentes para crear una stablecoin en euros regulada y adaptada a las necesidades institucionales<\/strong>, equilibrando la innovaci\u00f3n con un estricto cumplimiento.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Diez grandes bancos europeos han creado el consorcio Qivalis para emitir una stablecoin vinculada al euro, con el objetivo de estar operativa en la segunda mitad de 2026. La iniciativa busca ofrecer una alternativa digital al euro para pagos institucionales y reducir la dependencia de stablecoins denominadas en d\u00f3lares.<\/p>\n","protected":false},"author":33,"featured_media":58292,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[82,33],"tags":[804,1614,1615],"class_list":["post-58293","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-editors-picks","tag-bancos","tag-micar","tag-qivalis"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>10 bancos de la UE se unen para lanzar una stablecoin en euros en 2026 The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"Diez grandes bancos europeos han creado el consorcio Qivalis para emitir una stablecoin vinculada al euro\" \/>\n<meta name=\"robots\" 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