{"id":62587,"date":"2026-02-03T13:35:42","date_gmt":"2026-02-03T13:35:42","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=62587"},"modified":"2026-02-03T13:35:44","modified_gmt":"2026-02-03T13:35:44","slug":"boe-avanza-para-eludir-las-redes-de-tarjetas-en-la-reforma-de-pagos-dice-breeden","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/boe-avanza-para-eludir-las-redes-de-tarjetas-en-la-reforma-de-pagos-dice-breeden\/","title":{"rendered":"El Bank of England reestructura el sistema de pagos con tarjeta para incluir dep\u00f3sitos tokenizados y stablecoins"},"content":{"rendered":"<p><strong>El Bank of England est\u00e1 persiguiendo una reestructuraci\u00f3n del sistema de pagos minoristas en todo el Reino Unido<\/strong>, con el objetivo de educir la dependencia de los esquemas de tarjetas. La iniciativa tiene como objetivo reducir los costes para los comerciantes, aumentar la competencia y crear ra\u00edles para dep\u00f3sitos tokenizados y stablecoins reguladas.<\/p>\n<p><!--more--><\/p>\n<p><strong>La reestructuraci\u00f3n la anunci\u00f3 La vicegobernadora del<a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2026-02-02\/boe-seeking-to-bypass-cards-in-payments-overhaul-breeden-says\" target=\"_blank\" rel=\"noopener noreferrer\"> Bank of England<\/a>, Sarah Breeden, y puntualiz\u00f3 en la importancia que tiene para disminuir lo antes posible los costos operativos que tienen las tarjetas.<\/strong> En el anuncio, nombr\u00f3 una serie de opciones t\u00e9cnicas y regulatorias que van a permitir que los consumidores paguen a los minoristas directamente desde cuentas bancarias, ya sea en tienda o en l\u00ednea.<\/p>\n<p>El Banco tambi\u00e9n est\u00e1 explorando dep\u00f3sitos tokenizados, a la vez, implementar pagos cotidianos con stablecoins, bajo un marco regulatorio estricto y transparante para todos los participantes.<\/p>\n<p><strong><a href=\"https:\/\/thecryptocurrencypost.net\/es\/economia\/\" target=\"_blank\" rel=\"noopener\">Breeden<\/a> se\u00f1al\u00f3<\/strong> problemas concretos, como <strong>que las tarifas de tarjeta promedian el 0.6% del valor de la transacci\u00f3n para los comerciantes<\/strong> y pueden ser hasta cuatro veces m\u00e1s altas para las empresas m\u00e1s peque\u00f1as, por lo que <strong>propuso opciones directas de cuenta\u2011a\u2011cuenta como alternativa<\/strong>.<\/p>\n<h2>Los pasos regulatorios que debe enfrentar el BoE<\/h2>\n<p>El BOE apunta al trabajo reciente de infraestructura como evidencia de que puede ejecutar el programa. E<strong>l BoE complet\u00f3 una renovaci\u00f3n de 431 millones de su n\u00facleo Real\u2011Time Gross Settlement (RTGS) system<\/strong> que se lanz\u00f3 en abril de 2025, una plataforma actualizada se present\u00f3 como una base para transacciones tokenizadas y una conectividad mejorada transfronteriza.<\/p>\n<p><strong>Breeden dijo que el BoE celebrar\u00e1 una consulta p\u00fablica en la primavera de 2026<\/strong> para recopilar aportes sobre los futuros mecanismos de pago para consumidores y para dar forma a las reglas de cualquier stablecoin sist\u00e9mica que el mercado pueda adoptar.<\/p>\n<p>Para los comerciantes y las PYME, tarifas m\u00e1s bajas de los ra\u00edles A2A podr\u00edan liberar capital de trabajo o trasladar los ahorros de coste a los consumidores. Para las tesorer\u00edas corporativas y los equipos de cripto, la exploraci\u00f3n formal de dep\u00f3sitos tokenizados y stablecoins reguladas ampl\u00eda el men\u00fa de opciones de liquidaci\u00f3n \u2014 pero tambi\u00e9n plantea cuestiones de gobernanza y operativas que requerir\u00e1n claridad regulatoria.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Bank of England est\u00e1 persiguiendo una reestructuraci\u00f3n del sistema de pagos minoristas en todo el Reino Unido, con el objetivo de educir la dependencia de los esquemas de tarjetas. La iniciativa tiene como objetivo reducir los costes para los comerciantes, aumentar la competencia y crear ra\u00edles para dep\u00f3sitos tokenizados y stablecoins reguladas.<\/p>\n","protected":false},"author":36,"featured_media":62586,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[82,33],"tags":[384,1978,383],"class_list":["post-62587","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-editors-picks","tag-bank-of-england","tag-sarah-breeden","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 Bank of England reestructura el sistema de pagos con tarjeta para incluir dep\u00f3sitos tokenizados y stablecoins The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"El Bank of England est\u00e1 persiguiendo una 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