{"id":58835,"date":"2025-12-10T11:41:51","date_gmt":"2025-12-10T11:41:51","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=58835"},"modified":"2026-05-30T09:36:04","modified_gmt":"2026-05-30T07:36:04","slug":"occ-autoriza-a-bancos-de-ee-uu-el-trading-cripto-como-riskless-principal-bajo-la-interpretive-letter-1188","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/occ-autoriza-a-bancos-de-ee-uu-el-trading-cripto-como-riskless-principal-bajo-la-interpretive-letter-1188\/","title":{"rendered":"OCC autoriza a bancos de EE. UU. el trading cripto como riskless principal bajo la Interpretive Letter 1188"},"content":{"rendered":"<p><strong>La Office of the Comptroller of the Currency (OCC) autoriz\u00f3 a los bancos nacionales de EE. UU. a actuar como intermediarios \u201criskless principal\u201d en criptoactivos<\/strong>, formalizado en la Interpretive Letter 1188 en diciembre de 2025.<\/p>\n<p><!--more--><\/p>\n<p><strong>La Interpretive Letter 1188 permite intermediar operaciones cripto en una variedad de <a href=\"https:\/\/thecryptocurrencypost.net\/es\/noticias-criptomonedas\/\" target=\"_blank\" rel=\"noopener\">tokens<\/a>, incluidos Bitcoin, <a href=\"https:\/\/thecryptocurrencypost.net\/es\/noticias-criptomonedas\/noticias-ethereum\/\">Ethereum<\/a>, XRP y Solana<\/strong>, mientras limita la exposici\u00f3n directa de los bancos al mercado. <strong>El esquema \u201criskless principal\u201d implica ejecutar \u00f3rdenes compensatorias de compra y venta en nombre de un cliente sin mantener inventario neto<\/strong>, permitiendo la ejecuci\u00f3n sin posiciones propietarias prolongadas.<\/p>\n<p><strong>La carta aclara que los bancos pueden ofrecer servicios de custodia y retener activos digitales para necesidades operativas<\/strong>; adem\u00e1s, <strong>una aclaraci\u00f3n de noviembre de 2025 permiti\u00f3 expl\u00edcitamente mantener tokens para cubrir \u201cgas fees\u201d de la blockchain<\/strong>. Esta combinaci\u00f3n ampl\u00eda el conjunto de servicios bancarios para incluir ejecuci\u00f3n, custodia y tenencias operativas limitadas, <strong>preservando salvaguardas de capital y liquidez al evitar exposiciones prolongadas<\/strong>.<\/p>\n<h2>Contexto regulatorio e implicaciones para el mercado<\/h2>\n<p><strong>La acci\u00f3n de la <a href=\"https:\/\/x.com\/USOCC\/status\/1998419668210495972?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1998419668210495972%7Ctwgr%5E77a7c7702c967f6310e2e7e50527716b51d676fa%7Ctwcon%5Es1_&amp;ref_url=https%3A%2F%2Fcryptonews.com%2Fnews%2Ffederal-regulator-approves-riskless-crypto-trading-for-us-banks%2F\" target=\"_blank\" rel=\"noopener noreferrer\">OCC<\/a> se inserta en una serie de desarrollos regulatorios de 2025 que relajaron restricciones de 2022\u20132023<\/strong>. <strong>La Federal Reserve y la FDIC se alejaron de varias declaraciones supervisoras previas<\/strong>, abriendo espacio para servicios cripto bajo marcos de supervisi\u00f3n; <strong>la CFTC explora desde agosto de 2025 permitir acceso de clientes estadounidenses a intercambios offshore v\u00eda Foreign Board of Trade y apoyar trading spot en plataformas de futuros de EE. UU.<\/strong>; y <strong>la SEC mantuvo la actividad de cumplimiento \u2014incluida una demanda de febrero de 2025 contra un gran exchange\u2014, pero aprob\u00f3 el primer staked-crypto ETF en julio de 2025<\/strong>.<\/p>\n<p>Por separado, <strong>un participante del mercado obtuvo una New York BitLicense en septiembre de 2025 para atender a clientes institucionales<\/strong>.<\/p>\n<p><strong>Para traders y tesorer\u00edas cripto, la implicaci\u00f3n operativa es doble<\/strong>: m\u00e1s opciones de ejecuci\u00f3n y custodia dentro de bancos regulados podr\u00edan <strong>reducir el riesgo de contraparte y de custodia<\/strong>, mientras que el permiso para operar como \u201criskless principal\u201d <strong>reduce el incentivo a acaparar posiciones que elevan la exposici\u00f3n sist\u00e9mica<\/strong>. <strong>El panorama regulatorio sigue fragmentado<\/strong>, pues acciones de cumplimiento coexisten con aprobaciones y marcos piloto, creando <strong>riesgo legal y de cumplimiento para instituciones que se muevan r\u00e1pidamente<\/strong>; por ello, las firmas <strong>necesitar\u00e1n gobernanza reforzada, l\u00edmites de contraparte, pr\u00e1cticas de segregaci\u00f3n y controles operativos claros<\/strong> para alinearse con las expectativas supervisoras.<\/p>\n<p><strong>La interpretive letter marca un cambio material desde la prohibici\u00f3n hacia la integraci\u00f3n controlada de servicios cripto en la banca<\/strong>. Los participantes del mercado deben <strong>monitorear c\u00f3mo los bancos implementan flujos de trabajo de \u201criskless principal\u201d<\/strong> y <strong>c\u00f3mo la reglamentaci\u00f3n auxiliar \u2014en especial cualquier acci\u00f3n de la CFTC sobre v\u00edas FBOT\u2014 afecta la ejecuci\u00f3n transfronteriza y el acceso a la custodia<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Office of the Comptroller of the Currency (OCC) autoriz\u00f3 a los bancos nacionales de EE. UU. a actuar como intermediarios \u201criskless principal\u201d en criptoactivos, formalizado en la Interpretive Letter 1188 en diciembre de 2025.<\/p>\n","protected":false},"author":36,"featured_media":58834,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[82,33],"tags":[124,1645,338],"class_list":["post-58835","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-editors-picks","tag-bitcoin","tag-office-of-the-comptroller-of-the-currency","tag-solana"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>OCC autoriza a bancos de EE. UU. el trading cripto como riskless principal bajo la Interpretive Letter 1188 The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"La Office of the Comptroller of the Currency (OCC) autoriz\u00f3 a los bancos nacionales de EE. UU.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thecryptocurrencypost.net\/es\/occ-autoriza-a-bancos-de-ee-uu-el-trading-cripto-como-riskless-principal-bajo-la-interpretive-letter-1188\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OCC autoriza a bancos de EE. UU. el trading cripto como riskless principal bajo la Interpretive Letter 1188 The CryptoCurrency Post ESP\" \/>\n<meta property=\"og:description\" content=\"La Office of the Comptroller of the Currency (OCC) autoriz\u00f3 a los bancos nacionales de EE. 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