{"id":3964,"date":"2018-12-02T00:00:00","date_gmt":"2018-12-02T00:00:00","guid":{"rendered":"https:\/\/well-tax.com\/european-banks-break-ranks-over-cryptocurrencies\/"},"modified":"2023-09-25T18:56:48","modified_gmt":"2023-09-25T17:56:48","slug":"los-bancos-europeos-rompen-filas-en-torno-a-las-criptomonedas","status":"publish","type":"post","link":"https:\/\/well-tax.com\/es\/european-banks-break-ranks-over-cryptocurrencies\/","title":{"rendered":"Los bancos europeos rompen filas en torno a las criptomonedas"},"content":{"rendered":"<p><em>A pesar de la perspectiva de una normativa m\u00e1s estricta, los peque\u00f1os prestamistas ven una oportunidad<\/em><\/p>\n<p>Un pu\u00f1ado de peque\u00f1os bancos europeos est\u00e1n rompiendo filas con el resto del sector al dar a los inversores acceso a criptomonedas y asesorar sobre ofertas iniciales de monedas, a pesar de los crecientes esfuerzos de los reguladores por tomar medidas dr\u00e1sticas en este \u00e1mbito. <\/p>\n<p>Los bancos privados suizos Vontobel y Falcon Bank se encuentran entre los prestamistas que han acordado gestionar inversiones basadas en criptomonedas en nombre de sus clientes. El Fidor Bank de Alemania y el Bank Frick de Liechtenstein tambi\u00e9n prestan estos servicios.\u00a0 <\/p>\n<p>\"Existen riesgos, pero tambi\u00e9n grandes oportunidades\", declar\u00f3 Edi W\u00f6gerer, consejero delegado de Bank Frick, al Financial Times. \"Sabemos lo que hay que hacer desde el punto de vista de la seguridad, as\u00ed que es una gran oportunidad para bancos como nosotros\". En su opini\u00f3n, los grandes bancos tienen \"miedo\" de las criptomonedas \"porque no las entienden y se sienten amenazados\".\u00a0 <\/p>\n<p>Oliver Bussmann, presidente de la Asociaci\u00f3n Crypto Valley en el cant\u00f3n suizo de Zug, cerca de Z\u00farich, afirm\u00f3 que el hecho de que los mayores prestamistas se mantuvieran al margen y se negaran a manejar criptomonedas estaba abriendo la puerta a bancos m\u00e1s peque\u00f1os y empresas especializadas. <\/p>\n<p>\"Cada vez entran m\u00e1s banqueros\", declar\u00f3 al FT.  Bank Frick asesora a empresas sobre ofertas iniciales de monedas y examina a sus inversores antes de que puedan comprar tokens a cambio de criptomonedas como bitcoin y \u00e9ter. El Sr. W\u00f6gerer dijo que ten\u00eda una \"enorme demanda\" de este servicio y que hab\u00eda asesorado a unas 10 ICO. \"Somos muy selectivos\".\u00a0 <\/p>\n<p>El banco, que puede emitir pasaportes a la UE porque Liechtenstein es miembro del Espacio Econ\u00f3mico Europeo, tambi\u00e9n da acceso a los inversores a criptointercambios, vende su propio fondo de criptomonedas y presta servicios de custodia, guardando los c\u00f3digos de las monedas virtuales en una ficha f\u00edsica bajo llave en su c\u00e1mara acorazada.<\/p>\n<p>La mayor\u00eda de los bancos se mantienen alejados de las criptomonedas, preocupados por el blanqueo de capitales o la financiaci\u00f3n del terrorismo debido al anonimato inherente a los activos.\u00a0<\/p>\n<p>Jamie Dimon, consejero delegado de JPMorgan Chase, ha dicho que cualquiera que sea sorprendido comerciando con bitcoin en el banco estadounidense ser\u00e1 despedido. Muchos bancos brit\u00e1nicos y estadounidenses han bloqueado las compras de criptodivisas con tarjetas de cr\u00e9dito, mientras que algunos prestamistas del Reino Unido est\u00e1n denegando hipotecas a clientes con dep\u00f3sitos financiados mediante la venta de criptodivisas.<\/p>\n<p>Desde que el valor de todas las criptodivisas se redujo a la mitad en el \u00faltimo mes hasta $400bn, los reguladores han estado advirtiendo sobre los peligros de que la nueva clase de activos se infiltre en el sistema financiero general. <\/p>\n<p>Yves Mersch, miembro del Comit\u00e9 Ejecutivo del Banco Central Europeo, advirti\u00f3 la semana pasada: \"Podr\u00edan ser necesarias medidas de contenci\u00f3n decididas\".  Sin embargo, W\u00f6gerer se muestra imperturbable. \"Escuchamos estas declaraciones internacionales\", dijo, comparando el furor actual con los primeros d\u00edas de Internet, que muchos ve\u00edan como una amenaza. \"Si se regula, y se regular\u00e1, ya lo cumpliremos\", afirm\u00f3.\u00a0 <\/p>\n<p>Ejecutivos de UBS y Credit Suisse afirmaron que no gestionar\u00edan criptoactivos aunque los clientes se lo pidieran. Beno\u00eet Legrand, director de innovaci\u00f3n de ING, el mayor banco holand\u00e9s, dijo: \"Por definici\u00f3n, una ICO ha decidido salirse del sistema financiero. Estoy realmente asombrado por lo que est\u00e1 ocurriendo all\u00ed. Nosotros, desde luego, no vamos a participar en eso\".\u00a0 <\/p>\n<p>Esta reticencia est\u00e1 abriendo la puerta a rivales m\u00e1s peque\u00f1os, como Vontobel, que ofrece un rastreador de bitcoin y un producto que permite a los inversores apostar contra la principal criptodivisa. <\/p>\n<p>Falcon ofrece a los inversores acceso a bitcoin y otras criptodivisas, adem\u00e1s de aceptar efectivo procedente de la venta de dichos activos. Fidor proporciona una cuenta bancaria en euros a Kraken, la bolsa de criptodivisas estadounidense, y facilita a sus clientes alemanes el acceso a la plataforma.\u00a0 <\/p>\n<p>Bussmann, antiguo director de informaci\u00f3n de UBS, afirm\u00f3 que los bancos m\u00e1s peque\u00f1os estaban aportando un rigor muy necesario al proceso de comprobaci\u00f3n de que los clientes no infringen las normas sobre blanqueo de capitales o sanciones.<\/p>\n<p>Art\u00edculo del \"Financial Times<\/p>","protected":false},"excerpt":{"rendered":"<p>Despite prospect of tighter regulations, smaller lenders see an opportunity A handful of smaller European banks are breaking ranks with the rest of the sector by giving investors access to cryptocurrencies and advising on initial coin offerings, despite an intensifying effort by regulators to clamp down on the area. Vontobel and Falcon Bank, the Swiss [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":["post-3964","post","type-post","status-publish","format-standard","hentry","category-monetary-policy-and-currency-trends"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>European banks break ranks over cryptocurrencies - WellTax<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/well-tax.com\/es\/los-bancos-europeos-rompen-filas-en-torno-a-las-criptomonedas\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"European banks break ranks over cryptocurrencies - WellTax\" \/>\n<meta property=\"og:description\" content=\"Despite prospect of tighter regulations, smaller lenders see an opportunity A handful of smaller European banks are breaking ranks with the rest of the sector by giving investors access to cryptocurrencies and advising on initial coin offerings, despite an intensifying effort by regulators to clamp down on the area. 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