{"id":63566,"date":"2026-02-20T12:23:59","date_gmt":"2026-02-20T12:23:59","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=63566"},"modified":"2026-02-20T12:24:05","modified_gmt":"2026-02-20T12:24:05","slug":"casa-blanca-propone-limitar-recompensas-de-stablecoins-exclusivamente-a-transacciones-ignorando-saldos-pasivos","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/casa-blanca-propone-limitar-recompensas-de-stablecoins-exclusivamente-a-transacciones-ignorando-saldos-pasivos\/","title":{"rendered":"Casa Blanca propone limitar recompensas de stablecoins exclusivamente a transacciones ignorando saldos pasivos"},"content":{"rendered":"<p data-path-to-node=\"3\">Durante la tercera mesa t\u00e9cnica celebrada este jueves entre cabilderos y reguladores, el asesor Patrick Witt reorient\u00f3 la discusi\u00f3n legislativa hacia un <b data-path-to-node=\"3\" data-index-in-node=\"153\">modelo de incentivos condicionados<\/b>, seg\u00fan reportaron periodistas de Semafor. La propuesta busca mitigar el riesgo sist\u00e9mico sobre los dep\u00f3sitos bancarios que, seg\u00fan an\u00e1lisis de riesgo del Tesoro, podr\u00edan sufrir una migraci\u00f3n masiva si se permiten rendimientos pasivos irrestrictos, una preocupaci\u00f3n central documentada en el <strong><a class=\"ng-star-inserted\" href=\"https:\/\/home.treasury.gov\/system\/files\/136\/StableCoinReport_Nov1_508.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahcKEwjqrNG0_eeSAxUAAAAAHQAAAAAQcA\">informe sobre stablecoins<\/a> <\/strong>del Grupo de Trabajo del Presidente.<!--more--><\/p>\n<p data-path-to-node=\"4\">El eje central de la negociaci\u00f3n, que involucr\u00f3 a representantes de Coinbase y la Asociaci\u00f3n de Banqueros, radica en <b data-path-to-node=\"4\" data-index-in-node=\"117\">prohibir los rendimientos por saldos ociosos<\/b>, una pr\u00e1ctica que la banca tradicional considera competencia desleal directa. En su lugar, la administraci\u00f3n sugiere permitir que terceros ofrezcan recompensas \u00fanicamente <b data-path-to-node=\"4\" data-index-in-node=\"333\">basadas en la actividad transaccional<\/b>, transformando efectivamente la naturaleza del activo de un instrumento de ahorro a uno de flujo, similar a los programas de fidelizaci\u00f3n en pagos electr\u00f3nicos.<\/p>\n<h2 data-path-to-node=\"5\">El dilema estructural entre incentivos transaccionales y rendimientos pasivos<\/h2>\n<p data-path-to-node=\"6\">Esta distinci\u00f3n no es sem\u00e1ntica, sino que redefine la arquitectura financiera del proyecto de ley, dado que <b data-path-to-node=\"6\" data-index-in-node=\"108\">alinear\u00eda a las stablecoins<\/b> con los modelos de negocio de procesadores de pagos en lugar de bancos comerciales. Si bien ejecutivos como Stuart Alderoty de <a href=\"https:\/\/thecryptocurrencypost.net\/es\/noticias-criptomonedas\/noticias-ripple\/\" target=\"_blank\" rel=\"noopener\"><strong>Ripple<\/strong> <\/a>calificaron el tono de &#8220;constructivo&#8221;, la insistencia de Witt en <b data-path-to-node=\"6\" data-index-in-node=\"335\">eliminar el rendimiento porcentual anual (APY)<\/b> sobre tenencias est\u00e1ticas busca proteger la base de dep\u00f3sitos que sustenta la capacidad crediticia de la banca regional.<\/p>\n<p data-path-to-node=\"7\">A pesar de que el Comit\u00e9 Bancario del Senado no ha logrado el consenso bipartidista necesario para avanzar, la presi\u00f3n competitiva es el <b data-path-to-node=\"7\" data-index-in-node=\"137\">verdadero motor del estancamiento<\/b>, superando incluso a los temores sobre la fuga de capitales.<\/p>\n<p data-path-to-node=\"7\">Fuentes presentes en la reuni\u00f3n indicaron a la periodista Eleanor Terrett que, para las instituciones financieras, la amenaza no es solo la <strong>p\u00e9rdida de liquidez estimada en $6.6 billones<\/strong>, sino la <b data-path-to-node=\"7\" data-index-in-node=\"427\">obsolescencia de sus m\u00e1rgenes<\/b>, lo que explica por qu\u00e9 grupos como el Bank Policy Institute debatir\u00e1n ma\u00f1ana si aceptan este<em> &#8220;trade-off&#8221;<\/em> regulatorio.<\/p>\n<p data-path-to-node=\"8\">Hist\u00f3ricamente, los intentos de regular las <a href=\"https:\/\/blockchainjournal.news\/es\/criptomonedas\/\" target=\"_blank\" rel=\"noopener noreferrer\"><b data-path-to-node=\"8\" data-index-in-node=\"44\">criptomonedas<\/b><\/a> estables han chocado con la definici\u00f3n de &#8220;valor&#8221;, y este nuevo enfoque de la Casa Blanca intenta emular la estructura de recompensas de las tarjetas de cr\u00e9dito. Al vincular el beneficio al uso activo, se desincentiva el <b data-path-to-node=\"8\" data-index-in-node=\"279\">atesoramiento masivo de capital<\/b> fuera del sistema bancario asegurado por la FDIC, creando un compromiso t\u00e9cnico que podr\u00eda desbloquear finalmente el avance del marco legislativo conocido como <a class=\"ng-star-inserted\" href=\"https:\/\/www.congress.gov\/bill\/118th-congress\/house-bill\/4766\/text\" target=\"_blank\" rel=\"noopener noreferrer\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahcKEwjqrNG0_eeSAxUAAAAAHQAAAAAQcQ\"><strong>Clarity for Payment Stablecoins Act<\/strong><\/a>.<\/p>\n<h2 data-path-to-node=\"9\">\u00bfPodr\u00e1 la banca tradicional absorber el impacto de los nuevos modelos digitales?<\/h2>\n<p data-path-to-node=\"10\">La viabilidad de esta propuesta depende ahora de la capacidad de los bancos para adaptarse a un entorno donde la <b data-path-to-node=\"10\" data-index-in-node=\"113\">velocidad del dinero<\/b> sea recompensada por encima de la custodia est\u00e1tica. Mientras el Senado eval\u00faa la estructura del mercado, la industria cripto debe decidir si renuncia a uno de sus <b data-path-to-node=\"10\" data-index-in-node=\"298\">atractivos m\u00e1s potentes<\/b>, el rendimiento pasivo, a cambio de una legitimidad regulatoria que le permita integrarse formalmente en los rieles de pago de la econom\u00eda estadounidense.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Durante la tercera mesa t\u00e9cnica celebrada este jueves entre cabilderos y reguladores, el asesor Patrick Witt reorient\u00f3 la discusi\u00f3n legislativa hacia un modelo de incentivos condicionados, seg\u00fan reportaron periodistas de Semafor. La propuesta busca mitigar el riesgo sist\u00e9mico sobre los dep\u00f3sitos bancarios que, seg\u00fan an\u00e1lisis de riesgo del Tesoro, podr\u00edan sufrir una migraci\u00f3n masiva si [&hellip;]<\/p>\n","protected":false},"author":39,"featured_media":63569,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33,257],"tags":[140,275,383],"class_list":["post-63566","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-editors-picks","category-regulacion","tag-criptomonedas","tag-ee-uu","tag-stablecoins"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Casa Blanca propone limitar recompensas de stablecoins exclusivamente a transacciones ignorando saldos pasivos The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"Patrick Witt impulsa un acuerdo 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