Estados Unidos y Reino Unido Avanzan en las Normas de las Stablecoins Mientras el Proyecto de Ley GENIUS Entra en Implementación

TheNewsCryptoPubblicato 2026-08-05Pubblicato ultima volta 2026-08-05

Introduzione

Estados Unidos y el Reino Unido intensifican sus esfuerzos regulatorios sobre stablecoins, alineando principios en una reunión de su grupo de trabajo financiero. Reguladores de ambos países, incluidos el Banco de Inglaterra y la SEC, discutieron la implementación de la ley GENIUS en EE.UU., que establece un marco federal para stablecoins de pago, y los avances en la estrategia digital británica para mercados mayoristas. Se reafirmó el compromiso con el desarrollo responsable de activos digitales, la protección al consumidor y el respaldo de stablecoins con activos líquidos. Paralelamente, el Banco de Inglaterra ajustó su propuesta regulatoria, eliminando límites de tenencia para usuarios individuales, estableciendo un tope temporal de emisión de £40 mil millones para stablecoins sistémicos y reduciendo al 30% la reserva obligatoria en el banco central. Estos cambios acercan al Reino Unido al enfoque regulatorio transatlántico.

Los dos países han estado intensificando sus esfuerzos relacionados con la regulación de las stablecoins porque ambos están en proceso de refinar sus normativas sobre activos digitales. Una delegación del HM Treasury (Tesoro británico) y del Departamento del Tesoro de EE.UU. se reunió en Londres el 8 de julio para la 13ª sesión del Grupo de Trabajo de Regulación Financiera entre el Reino Unido y Estados Unidos. Los participantes en esta reunión incluyeron miembros del Banco de Inglaterra, la FCA, la Reserva Federal, la SEC, la CFTC, la FDIC y la OCC. No se hicieron propuestas de normas en esta reunión, solo se alinearon los principios regulatorios.

Las Stablecoins Pasan de la Ley a la Cooperación Internacional

Las finanzas digitales continuaron en el centro de la cumbre de Londres de los reguladores de EE.UU. y el Reino Unido. Los reguladores estadounidenses proporcionaron una actualización sobre la implementación del Proyecto de Ley GENIUS. Este introduce el marco federal para las stablecoins de pago, así como una reforma más amplia del mercado de activos digitales. Los reguladores británicos proporcionaron información sobre el progreso realizado en el desarrollo de la Estrategia Digital para los Mercados Financieros Mayoristas, así como la designación de Christopher Woolard como Campeón de los Mercados Digitales Mayoristas.

Los reguladores también discutieron la tokenización, las innovaciones en pagos y la Hoja de Ruta para Pagos Transfronterizos del G20. Ambos países confirmaron su compromiso con el desarrollo responsable de los activos digitales y la protección del consumidor y la estabilidad financiera en esta área. Al mismo tiempo, apoyan las stablecoins respaldadas uno a uno con activos líquidos.

Restricciones Flexibilizadas por el Banco de Inglaterra

Aunque el Reino Unido todavía está trabajando en sus regulaciones de stablecoins, el Banco de Inglaterra ya ha realizado algunos cambios basados en consultas con la industria. Por ejemplo, decidió abandonar la propuesta inicial de establecer límites en la cantidad de monedas que un usuario individual podía poseer. Además, el Banco de Inglaterra decidió implementar un límite temporal en la emisión de stablecoins sistémicas de 40.000 millones de libras por año.

Además, cambió la proporción de activos que deben mantenerse como depósitos no remunerados en los bancos centrales. Inicialmente, se propuso mantener el 40% de los activos de esta manera; ahora la cantidad es del 30%. Por lo tanto, el 70% de las reservas podrían mantenerse en bonos del gobierno británico. Estos cambios regulatorios acercan al Reino Unido al nuevo enfoque transatlántico de regulación de las stablecoins.

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Domande pertinenti

Q¿Qué países están avanzando en la regulación de stablecoins según el artículo?

AEstados Unidos y el Reino Unido están avanzando en la regulación de stablecoins.

Q¿Cuál es el nombre de la ley estadounidense sobre la que los reguladores dieron una actualización en la cumbre?

ALos reguladores estadounidenses dieron una actualización sobre la implementación de la Ley GENIUS (GENIUS Act).

Q¿Qué dos cambios regulatorios específicos menciona el artículo que realizó el Banco de Inglaterra respecto a las stablecoins?

AEl Banco de Inglaterra abandonó la propuesta de límites a la cantidad de monedas que un usuario individual puede poseer e implementó un tope temporal de emisión de £40 mil millones por año para stablecoins sistémicas.

QSegún el artículo, ¿qué porcentaje de los activos de reserva de una stablecoin podrá mantenerse ahora en bonos del gobierno británico bajo las nuevas normas del Banco de Inglaterra?

ABajo las nuevas normas, el 70% de las reservas podrá mantenerse en bonos del gobierno británico.

QAdemás de las stablecoins, ¿qué otros temas discutieron los reguladores de EE.UU. y el Reino Unido en su reunión?

ALos reguladores también discutieron temas como la tokenización, las innovaciones en pagos y la Hoja de Ruta para Pagos Transfronterizos del G20.

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