{"id":70243,"date":"2026-09-23T15:43:07","date_gmt":"2026-09-23T13:43:07","guid":{"rendered":"https:\/\/thecryptocurrencypost.net\/es\/?p=70243"},"modified":"2026-09-23T15:43:08","modified_gmt":"2026-09-23T13:43:08","slug":"el-bce-y-bancos-centrales-de-la-ue-plantean-eliminar-la-regla-de-reserva-bancaria-del-60-de-mica-para-stablecoins","status":"publish","type":"post","link":"https:\/\/thecryptocurrencypost.net\/es\/el-bce-y-bancos-centrales-de-la-ue-plantean-eliminar-la-regla-de-reserva-bancaria-del-60-de-mica-para-stablecoins\/","title":{"rendered":"El BCE y bancos centrales de la UE plantean eliminar la regla de reserva bancaria del 60% de MiCA para stablecoins"},"content":{"rendered":"<p><strong>El <a href=\"https:\/\/www.ecb.europa.eu\/ecb\/all-about-us\/html\/index.es.html\" target=\"_blank\" rel=\"noopener noreferrer\">Banco Central Europeo<\/a> y el Sistema Europeo de Bancos Centrales<\/strong> han recomendado retirar el umbral de dep\u00f3sitos bancarios que fija <strong><a href=\"https:\/\/thecryptocurrencypost.net\/es\/fin-de-la-tregua-de-mica-por-que-la-fragmentacion-amenaza-a-europa\/\" target=\"_blank\" rel=\"noopener\">MiCA<\/a><\/strong> para las reservas de stablecoins significativas. La propuesta apunta a sustituir ese esquema por requisitos de liquidez m\u00e1s amplios para los emisores.<!--more--><\/p>\n<p>De acuerdo con esa informaci\u00f3n, la revisi\u00f3n afecta a la regla que <strong>exige mantener al menos el 60% de las reservas en dep\u00f3sitos bancarios<\/strong> en el caso de stablecoins consideradas significativas. El planteamiento del sistema bancario europeo ser\u00eda eliminar ese piso porcentual y dejar m\u00e1s margen para que las reservas se concentren en activos l\u00edquidos de corto plazo.<\/p>\n<p>La discusi\u00f3n se enmarca en la revisi\u00f3n de MiCA por parte de la Comisi\u00f3n Europea. La preocupaci\u00f3n expresada por el <strong><a href=\"https:\/\/thecryptocurrencypost.net\/es\/el-bce-define-estandares-del-euro-digital-para-ahorrar-6-000-millones-en-costes\/\" target=\"_blank\" rel=\"noopener\">BCE<\/a><\/strong> y otras autoridades bancarias es que, <strong>en un escenario de reembolsos r\u00e1pido<\/strong>s, una exigencia elevada de dep\u00f3sitos en bancos comerciales podr\u00eda aumentar la presi\u00f3n sobre la liquidez del sistema bancario.<\/p>\n<h2>Un cambio regulatorio, no una decisi\u00f3n final<\/h2>\n<p>La posici\u00f3n conocida hasta ahora corresponde a una recomendaci\u00f3n dentro del proceso de revisi\u00f3n, no a una modificaci\u00f3n ya aprobada de MiCA. Tampoco queda claro en esta etapa c\u00f3mo quedar\u00eda redactado un eventual reemplazo de la regla ni qu\u00e9 criterios concretos de liquidez se aplicar\u00edan a los emisores.<\/p>\n<p>La propuesta, sin embargo, s\u00ed marca un ajuste relevante en el debate regulatorio europeo sobre stablecoins: en vez de fijar un porcentaje m\u00ednimo de dep\u00f3sitos bancarios, las autoridades plantean una estructura basada en activos de alta liquidez que permita responder mejor a reembolsos concentrados.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Banco Central Europeo y el Sistema Europeo de Bancos Centrales han recomendado retirar el umbral de dep\u00f3sitos bancarios que fija MiCA para las reservas de stablecoins significativas. La propuesta apunta a sustituir ese esquema por requisitos de liquidez m\u00e1s amplios para los emisores.<\/p>\n","protected":false},"author":47,"featured_media":70242,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[257],"tags":[804,511,1176],"class_list":["post-70243","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulacion","tag-bancos","tag-bce","tag-criptoactivos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El BCE y bancos centrales de la UE plantean eliminar la regla de reserva bancaria del 60% de MiCA para stablecoins The CryptoCurrency Post ESP<\/title>\n<meta name=\"description\" content=\"De acuerdo con esa informaci\u00f3n, la revisi\u00f3n afecta a la regla que exige mantener al menos el 60% de las reservas en dep\u00f3sitos bancarios en el caso 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