{"id":22310,"date":"2025-09-29T09:00:05","date_gmt":"2025-09-29T09:00:05","guid":{"rendered":"https:\/\/www.criptofacil.com\/es\/?p=22310"},"modified":"2025-09-26T23:03:54","modified_gmt":"2025-09-26T23:03:54","slug":"las-stablecoins-podrian-cambiar-la-industria-de-las-tarjetas-de-credito","status":"publish","type":"post","link":"https:\/\/www.criptofacil.com\/es\/las-stablecoins-podrian-cambiar-la-industria-de-las-tarjetas-de-credito\/","title":{"rendered":"Las stablecoins podr\u00edan cambiar la industria de las tarjetas de cr\u00e9dito"},"content":{"rendered":"<p>Las stablecoins van ganando terreno como alternativa de ahorro y de pago en <a href=\"https:\/\/www.criptofacil.com\/es\/metaplanet-expande-su-estrategia-bitcoin-en-estados-unidos-y-japon\/\">Estados Unidos<\/a> y <a href=\"https:\/\/www.criptofacil.com\/es\/las-ciberamenazas-afectan-a-la-banca-tradicional-en-america-latina\/\">Am\u00e9rica Latina<\/a> al ofrecer transacciones m\u00e1s r\u00e1pidas, tarifas reducidas y recompensas programables que las entidades tradicionales. Esto trae aparejado una baja en el consumo de otros tipos de pago, como las tarjetas de cr\u00e9dito, que suelen cobrar aranceles altos por las transacciones.<\/p>\n<p>Un consumo con <a href=\"https:\/\/www.criptofacil.com\/es\/fold-lanza-tarjeta-de-credito-que-devuelve-2-de-cashback-en-bitcoin-en-todas-las-compras\/\">tarjeta de cr\u00e9dito<\/a> en Estados Unidos cuesta entre 1,5 % y 3,5 % de la transacci\u00f3n. Sin embargo, con las monedas estables no hay gastos de transacci\u00f3n y permiten liquidaciones casi instant\u00e1neas, al ofrecer un\u00a0sistema m\u00e1s eficiente y econ\u00f3mico, y programas de fidelizaci\u00f3n que ofrecen recompensas a los usuarios.<\/p>\n<ul>\n<li>Lee tambi\u00e9n: <a href=\"https:\/\/www.criptofacil.com\/es\/propuesta-de-hard-fork-en-bitcoin-gana-fuerza-y-podria-impactar-al-mercado\/\">Propuesta de hard fork en Bitcoin gana fuerza y podr\u00eda impactar al mercado<\/a><\/li>\n<\/ul>\n<h2>Stablecoins o tarjeta de cr\u00e9dito, \u00bfqu\u00e9 elegir?<\/h2>\n<p>En Estados Unidos, las tarjetas de cr\u00e9dito representaron un 35% de las transacciones durante el 2024, por un valor total de USD 5.51 billones.<\/p>\n<p>Los analistas afirman que si un tercio de este porcentaje lo captan las <a href=\"https:\/\/www.criptofacil.com\/es\/moneygram-ofrecera-ahorros-en-stablecoins-en-colombia\/\">monedas estables<\/a>, los ahorros y beneficios para comerciantes y consumidores podr\u00edan alcanzar millones de d\u00f3lares. Adem\u00e1s, facilitar\u00eda la transacci\u00f3n para los usuarios sin obligarlos a abandonar las tarjetas f\u00edsicas.<\/p>\n<p>Casos como <a href=\"https:\/\/www.criptofacil.com\/es\/crece-la-adopcion-de-rlusd-entre-los-usuarios-minoristas\/\">RLUSD de Ripple<\/a> o la tarjeta de Gemini con recompensas en cripto demuestran c\u00f3mo las fintechs\u00a0se encuentran en proceso de integraci\u00f3n de stablecoins en sistemas de pago tradicionales. Asimismo, grandes minoristas exploran sus propias\u00a0monedas estables\u00a0para\u00a0reducir comisiones\u00a0y\u00a0dise\u00f1ar programas de lealtad.<\/p>\n<p>Tomando en cuenta como fluye el dinero y qui\u00e9n lo controla, las monedas estables podr\u00edan consolidarse como un componente central del comercio en Estados Unidos, gracias a su claridad regulatoria y confianza del consumidor. Adem\u00e1s, transformar\u00eda la econom\u00eda de los pagos y distribuir\u00e1 millones de d\u00f3lares en todo el e<a href=\"https:\/\/www.criptofacil.com\/es\/bnb-chain-tuvo-actualizaciones-y-es-una-de-las-blockchain-mas-rapidas-del-ecosistema\/\">cosistema financiero,<\/a> digital y tradicional.<\/p>\n<p>Cabe destacar que la inclusi\u00f3n de las stablecoins dentro del mercado estadounidense es posible gracias a la reciente <a href=\"https:\/\/www.criptofacil.com\/es\/coinbase-y-kraken-ofrecen-recompensas-en-usdc-gracias-a-la-ley-genius\/\">Ley GENIUS<\/a>, que permite regular las monedas estables dentro del pa\u00eds y proteger a los consumidores.<\/p>\n<ul>\n<li>Lee tambi\u00e9n: <a style=\"font-size: 16px\" href=\"https:\/\/www.criptofacil.com\/es\/protocolo-cripto-desaparece-con-us-36-millones-y-es-acusado-de-estafa\/\">Protocolo cripto desaparece con US$ 3,6 millones y es acusado de estafa<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Las stablecoins van ganando terreno como alternativa de ahorro y de pago en Estados Unidos y Am\u00e9rica Latina al ofrecer transacciones m\u00e1s r\u00e1pidas, tarifas reducidas y recompensas programables que las entidades tradicionales. Esto trae aparejado una baja en el consumo de otros tipos de pago, como las tarjetas de cr\u00e9dito, que suelen cobrar aranceles altos [&hellip;]<\/p>\n","protected":false},"author":148,"featured_media":22344,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[1779,1771,1803,1758],"class_list":["post-22310","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-criptoactivos","tag-criptomonedas","tag-stablecoin","tag-titular"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Las stablecoins podr\u00edan cambiar la industria de las tarjetas de cr\u00e9dito<\/title>\n<meta name=\"description\" content=\"Los costos de transacci\u00f3n de las tarjetas de cr\u00e9dito son m\u00e1s altos mientras que las stablecoins son eficientes e instant\u00e1neas.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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