# Bài viết Liên quan Latin America

Trung tâm Tin tức HTX cung cấp những bài viết mới nhất và phân tích chuyên sâu về "Latin America", bao gồm xu hướng thị trường, cập nhật dự án, phát triển công nghệ và chính sách quản lý trong ngành tiền kỹ thuật số.

Movement, El Vecino and RISE Launch a Digital Dollar Wallet

Payment network Movement, operating on a blockchain, has partnered with remittance service El Vecino and blockchain wallet developer RISE. The collaboration has launched a new service for digital dollar transfers between the United States and Mexico. El Vecino, with 19 years of experience in US-to-Mexico remittances, and RISE, which provides digital wallet infrastructure in Latin America, are leveraging Movement's regulated payment network for fast settlements. The new service enables El Vecino's clients to send money directly via WhatsApp. Recipients in Mexico can collect funds in cash at OXXO and Circle K locations or transfer them to a bank account via the SPEI system. Currently, El Vecino processes approximately 25,000 transfers monthly, with about 85% destined for Mexico. The WhatsApp-based service will initially be tested with 20,000 El Vecino users, with plans to later expand to RISE's network, potentially reaching around 800,000 users. The companies intend to subsequently launch the service in other Latin American countries, including Guatemala and El Salvador.

cryptonews.ru11 giờ trước

Movement, El Vecino, and RISE launch a digital dollar wallet

The blockchain-based payment network Movement has partnered with money transfer service El Vecino and blockchain wallet developer RISE to launch a digital dollar wallet service for remittances between the US and Mexico. El Vecino, with 19 years of experience in US-to-Mexico transfers, will utilize RISE's digital wallet and payment infrastructure for Latin America, while Movement provides the regulated payment network for fast settlement. The new service allows El Vecino's customers to send money via WhatsApp. Recipients in Mexico can collect cash at OXXO and Circle K locations or transfer funds to a bank account via SPEI. Currently handling about 25,000 transfers monthly (85% to Mexico), El Vecino will initially pilot the WhatsApp service with 20,000 users, with plans to later expand to RISE's network, potentially reaching around 800,000 users. The partnership aims to extend the service to other Latin American countries like Guatemala and El Salvador.

cryptonews.ru12 giờ trước

In Brazil, Stablecoin Demand Volume Surpasses Bitcoin, Reaching $14.68 Billion

Brazil is experiencing record-breaking demand for cryptocurrencies and stablecoins. In the first half of 2026, purchases of crypto assets reached $14.68 billion, a 135% increase from the same period in 2025. While official central bank statistics only capture registered provider transactions, they indicate accelerating adoption. The surge is largely driven by stablecoins, which accounted for over 90% of demand, highlighting a market shift from earlier dominance by volatile assets like Bitcoin. These dollar-pegged stablecoins are popular for payments and cross-border settlements. This expanding usage even prompted government consideration of a 3.5% tax on stablecoin transactions, though the proposal was postponed due to the electoral cycle. The Central Bank views the market as consolidating and moving past its initial phase. To enhance oversight, it has classified Virtual Asset Service Providers (VASPs) under the same regulatory requirements as securities brokers, with this new regime set to take effect in January 2027. This will provide authorities with a clearer picture of where these assets flow.

cryptonews.ru07/31 05:27

In Brazil, Stablecoin Demand Volume Surpasses Bitcoin, Reaching $14.68 Billion

cryptonews.ru07/31 05:27

Forbes Feature: Cross-Border Payments with Stablecoins are Faster, But Not Yet Cheaper

A Forbes feature on stablecoin cross-border payments highlights rapid industry growth but notes the cost advantage remains theoretical. While stablecoins offer faster, 24/7, and more accessible international transfers compared to traditional forex brokers (charging 60-70 bps), they have not yet achieved their promised lower costs of 2-5 bps. The primary hurdle is a lack of deep, scaled liquidity pools, according to Imran Ahmad of Bitso Business. He states costs will only drop significantly with large-scale institutional and banking participation. Adoption faces a deeper challenge: trust. Businesses often stick with traditional brokers based on long-standing personal relationships, not just fees. Ezra Kebrab of cross-border payment firm Caliza emphasizes that reliability in handling complex details like tax codes is as critical as speed and cost. Contrary to some narratives, successful companies like Caliza see stablecoins as complementing, not replacing, existing infrastructure like SWIFT, which excels at payment standardization. Caliza itself uses SWIFT for many transactions and has seen monthly growth exceeding 40%. Ahmad predicts a future industry consolidation, where success will hinge on three pillars: proper licensing, reliable fiat on/off-ramps, and robust liquidity.

链捕手07/05 09:19

Forbes Feature: Cross-Border Payments with Stablecoins are Faster, But Not Yet Cheaper

链捕手07/05 09:19

The Rise of Stablecoins in Latin America Is Not, in Essence, a 'Victory for Crypto Technology'

The Rise of Stablecoins in Latin America: Not a Victory for Crypto, But for Remittance Infrastructure Stablecoin adoption in Latin America isn't primarily driven by belief in crypto technology. It's a pragmatic solution to a centuries-old problem: getting money home. The article draws parallels to the traditional "silver letters" (银信) system used by Chinese diaspora, where trust and execution relied on tight-knit community networks. The core pain point is remittances—the lifeblood for millions of families. Existing systems are often slow, expensive, and opaque. Stablecoins like USDT and USDC are not seen as speculative crypto assets but as "digital dollars in your phone." They address critical local needs: Argentinians use them as a hedge against hyperinflation, Venezuelans as a lifeline for essential goods, while in Brazil and Mexico, they facilitate cross-border payments and freelance payouts. The real challenge isn't the blockchain transfer itself, but the "on-ramps" and "off-ramps"—how to convert local currency into stablecoins and, crucially, how recipients can access the funds as spendable local currency via systems like Pix (Brazil) or SPEI (Mexico). The battlefield is building the infrastructure that seamlessly connects these ends. Regulators are less focused on "crypto adoption" and more on controlling what becomes a parallel foreign exchange system, concerned with AML, consumer protection, and capital flows. The future lies in stablecoins becoming an invisible, efficient middle layer in a new remittance stack, where the user only cares about one thing: the money arrived.

marsbit06/26 11:56

The Rise of Stablecoins in Latin America Is Not, in Essence, a 'Victory for Crypto Technology'

marsbit06/26 11:56

Two Giants' Credit Expansion: Loan Balances of $9.9 Billion vs. $14.6 Billion, Brazil Emerges as the Main Battlefield

Title: Two Giants "Credit" Surge: Loan Balances of 99 Billion vs. 146 Billion USD, Brazil Emerges as Main Battlefield Summary: The article compares the rapid expansion of credit businesses by two major e-commerce and fintech players, Sea (via Monee) and Mercado Libre (via Mercado Pago), in overseas markets like Southeast Asia and Latin America, contrasting with a slowing domestic Chinese credit market. Using Q1 2026 financial data, it highlights their significant growth. Sea's Monee reached a loan balance of $99 billion, up 71% year-over-year (YoY), contributing 17.5% to Sea's total revenue. Mercado Pago's loan balance hit $146 billion, up 87% YoY, contributing 45% to its parent company's revenue. Both maintained stable risk metrics (e.g., Monee's 90+ day NPL at 1.1%) despite rapid scaling. Brazil is identified as a key and accelerating growth market for both. Sea's Brazilian operations saw loan volumes exceed $10 billion, growing 250% YoY, with SPayLater GMV penetration still low (~10%) indicating high potential. Sea also secured a key Brazilian financial credit license (SCFI). Mercado Libre's Brazil segment contributed over half (54%) of total group revenue, with its credit business there generating $11.24 billion in revenue, up 89% YoY and accounting for 12.7% of global revenue. Mercado Pago's credit portfolio, especially credit cards (46% of loans, +105% YoY), is a strategic focus, described as crucial as building logistics was a decade ago. Its net interest margin after loss (NIMAL) remains high at 17.8%. The article concludes that while Brazil presents immense opportunities, the success is largely driven by these integrated "e-commerce + fintech" giants with proprietary transaction data and ecosystems, making it challenging for standalone fintech players to compete effectively.

链捕手06/22 13:16

Two Giants' Credit Expansion: Loan Balances of $9.9 Billion vs. $14.6 Billion, Brazil Emerges as the Main Battlefield

链捕手06/22 13:16

Latin America's Payments Landscape Is Not What You Think It Is

This report challenges common misconceptions about Latin America's payment landscape, based on over 500 hours of firsthand research. Key findings include: 1) Crypto card transaction volume primarily comes from high-net-worth individuals receiving USDT salaries, not retail spending. 2) QR code payments (e.g., Brazil's Pix, Argentina's Mercado Pago) are the dominant payment method across most emerging markets, not cards. 3) A major untapped opportunity lies in enabling cross-border interoperability between domestic instant payment systems. 4) Payment competition is shifting from customer acquisition to owning the settlement layer (e.g., acquiring banks). 5) Latin America is not a single market; Brazil, Mexico, Argentina, and smaller "forgotten five" countries (e.g., Guatemala, Honduras) have vastly different dynamics. 6) Stablecoin-to-fiat conversion margins are collapsing toward zero, pushing companies to build value-added services on top. 7) Future payment winners will be multi-country brands, not single-corridor specialists. 8) Marketing must target specific user segments (e.g., digital nomads, unbanked immigrants) with tailored messaging, not a generic "Brazilian" audience. 9) Contrary to perception, Latin American regulators are often ahead of the US in creating frameworks for digital assets and instant payments, with clear licensing deadlines. The core takeaway is that the region's payment rules are being rewritten, moving beyond cards and stablecoin arbitrage towards integrated, cross-border QR-based solutions.

链捕手06/21 08:50

Latin America's Payments Landscape Is Not What You Think It Is

链捕手06/21 08:50

US Capital Bets Big on Latin America: Wagering Not on Growth, but on the 'Key Nodes' of the Financial System

U.S. capital is increasingly investing in Latin America, focusing not on traditional growth but on controlling key nodes in the financial system. The region’s financial friction—high inflation, costly cross-border payments, and underdeveloped banking infrastructure—has created strong demand for digital payment and dollarized solutions. Stablecoins like USDC and USDT are being used to facilitate low-cost remittances, hedge against currency devaluation, and enable faster enterprise transactions. For instance, in Argentina, users leverage stablecoins for arbitrage amid tight currency controls, while in Mexico, families receive remittances via WhatsApp in minutes at under 1% cost. Major players like Visa are acquiring local payment platforms, and venture firms like ARQ are building bridges between traditional banking and crypto-based systems. With high digital payment adoption but persistent gaps in cross-border and dollar services, Latin America offers both proven demand and growth potential. However, the market requires deep local expertise and regulatory navigation, making it a complex but high-value opportunity for those who can build scalable, compliant financial infrastructure.

marsbit03/19 08:03

US Capital Bets Big on Latin America: Wagering Not on Growth, but on the 'Key Nodes' of the Financial System

marsbit03/19 08:03

Financing Weekly Report | 11 Public Financing Events, Latin American Financial App ARQ Focused on Stablecoins Completes $70 Million Financing

PANews Weekly Funding Roundup (Mar 2-8): 11 Funding Deals, Totaling Over $184M This week saw 11 disclosed funding events in the blockchain sector. Key highlights include: **DeFi:** - OmniPact, a decentralized protocol for P2P transactions, secured $50M in private funding. - QFEX raised $9.5M in a seed round for its 24/7 high-leverage RWA trading platform. - Sats Terminal received a strategic investment from Gate Ventures. **Web3 & AI:** - AI Agent yield protocol Superpower completed an undisclosed pre-seed round. **Infrastructure & Tools:** - Cyclops raised $8M to develop stablecoin payment infrastructure. - Decentralized cloud storage provider Akave secured $6.65M. - Bitcoin USDT infrastructure project Utexo completed a $7.5M round. - Pre-confirmation network Interstate raised $1.5M. **CeFi:** - Latin American stablecoin-focused app ARQ (formerly DolarApp) raised $70M with participation from Sequoia and Founders Fund. - Digital asset trading firm Crossover raised $31M in a Series B round led by Tradeweb. *Note: Two major funding rounds for AI procurement firm Lio ($30M) and robotics company Neura Robotics (~$1B) were reported but excluded from the official count.*

marsbit03/09 03:12

Financing Weekly Report | 11 Public Financing Events, Latin American Financial App ARQ Focused on Stablecoins Completes $70 Million Financing

marsbit03/09 03:12

Brazil Considers Strategic Bitcoin Reserve as El Salvador Expands Digital Asset Adoption

El Salvador, Brazil, and Argentina are adopting distinct approaches to cryptocurrency regulation. El Salvador has partnered with Corporacion Infinito and Stakiny on a $100 million project to tokenize private company shares, enabling global investment through a blockchain-based system. Brazil is reviewing a bill to establish a Sovereign Strategic Bitcoin Reserve (RESBit), allowing the government to allocate up to 5% of its foreign reserves to Bitcoin and offer tax exemptions on crypto earnings. In contrast, Argentina has withdrawn a proposal permitting salary payments in digital wallets, reflecting caution amid persistent inflation and currency instability. These divergent strategies highlight varying levels of crypto adoption across Latin America as governments explore digital assets for economic growth and financial stability.

TheNewsCrypto02/18 14:11

Brazil Considers Strategic Bitcoin Reserve as El Salvador Expands Digital Asset Adoption