<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:googleplay="http://www.google.com/schemas/play-podcasts/1.0"><channel><title><![CDATA[FintechExpert: Internacional]]></title><description><![CDATA[Inversiones, adquisiciones, lanzamientos y movimientos estratégicos que están transformando el ecosistema financiero en América Latina y más allá.]]></description><link>https://www.fintechexpert.mx/s/radar-fintech-latam</link><image><url>https://substackcdn.com/image/fetch/$s_!4oXs!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Ffc6093c1-96c0-4056-a9b3-b8800a6bd904_332x332.png</url><title>FintechExpert: Internacional</title><link>https://www.fintechexpert.mx/s/radar-fintech-latam</link></image><generator>Substack</generator><lastBuildDate>Sat, 03 Oct 2026 10:32:36 GMT</lastBuildDate><atom:link href="https://www.fintechexpert.mx/feed" rel="self" type="application/rss+xml"/><copyright><![CDATA[FintechExpert]]></copyright><language><![CDATA[es]]></language><webMaster><![CDATA[fintechexpertmx@substack.com]]></webMaster><itunes:owner><itunes:email><![CDATA[fintechexpertmx@substack.com]]></itunes:email><itunes:name><![CDATA[FintechExpert]]></itunes:name></itunes:owner><itunes:author><![CDATA[FintechExpert]]></itunes:author><googleplay:owner><![CDATA[fintechexpertmx@substack.com]]></googleplay:owner><googleplay:email><![CDATA[fintechexpertmx@substack.com]]></googleplay:email><googleplay:author><![CDATA[FintechExpert]]></googleplay:author><itunes:block><![CDATA[Yes]]></itunes:block><item><title><![CDATA[Pagos instantáneos crecen 130 veces en América Latina]]></title><description><![CDATA[Los pagos instant&#225;neos crecieron 130 veces en Am&#233;rica Latina entre 2017 y 2024 y ya concentran 45% de los pagos digitales minoristas.]]></description><link>https://www.fintechexpert.mx/p/pagos-instantaneos-america-latina-crecimiento</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/pagos-instantaneos-america-latina-crecimiento</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Wed, 30 Sep 2026 21:37:00 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!epaP!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F562da73f-ed2b-4c01-be8f-ceeedfd2e071_1672x941.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!epaP!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F562da73f-ed2b-4c01-be8f-ceeedfd2e071_1672x941.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!epaP!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F562da73f-ed2b-4c01-be8f-ceeedfd2e071_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!epaP!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F562da73f-ed2b-4c01-be8f-ceeedfd2e071_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!epaP!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F562da73f-ed2b-4c01-be8f-ceeedfd2e071_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!epaP!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F562da73f-ed2b-4c01-be8f-ceeedfd2e071_1672x941.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!epaP!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F562da73f-ed2b-4c01-be8f-ceeedfd2e071_1672x941.png" width="1456" height="819" 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srcset="https://substackcdn.com/image/fetch/$s_!epaP!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F562da73f-ed2b-4c01-be8f-ceeedfd2e071_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!epaP!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F562da73f-ed2b-4c01-be8f-ceeedfd2e071_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!epaP!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F562da73f-ed2b-4c01-be8f-ceeedfd2e071_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!epaP!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F562da73f-ed2b-4c01-be8f-ceeedfd2e071_1672x941.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><p style="text-align: justify;">Las transacciones de pagos instant&#225;neos en Am&#233;rica Latina se multiplicaron <strong>130 veces entre 2017 y 2024</strong>, al pasar de 620 millones a 79,800 millones de operaciones anuales, de acuerdo con un estudio elaborado por Temenos y PCMI.</p><p style="text-align: justify;">El reporte estima que cerca de <strong>45% de los pagos digitales minoristas de la regi&#243;n ya se liquida de forma instant&#225;nea</strong> y plantea que esa participaci&#243;n podr&#237;a alcanzar 60% hacia 2030.</p><p style="text-align: justify;">El dato muestra la velocidad con la que los rieles en tiempo real han ganado escala, aunque su adopci&#243;n no ha ocurrido de la misma manera en todos los pa&#237;ses.</p><h2>Pix marca la referencia regional</h2><p style="text-align: justify;">Brasil aparece como el mercado m&#225;s avanzado dentro del estudio. Pix registra <strong>373 transacciones por persona al a&#241;o</strong> y alcanz&#243; una penetraci&#243;n de 75% de la poblaci&#243;n en cinco a&#241;os.</p><p style="text-align: justify;">Argentina, por su parte, procesa instant&#225;neamente 60% de sus pagos electr&#243;nicos. En Colombia, Bre-B alcanz&#243; 87% de la poblaci&#243;n adulta durante sus primeros seis meses, seg&#250;n las cifras incluidas en el reporte.</p><p style="text-align: justify;"><strong>M&#233;xico muestra una din&#225;mica diferente.</strong> Temenos y PCMI se&#241;alan que contar con infraestructura disponible no implica necesariamente conseguir adopci&#243;n masiva, y apuntan a la informalidad como una de las barreras que todav&#237;a limita el avance del pago digital. </p><p style="text-align: justify;">El estudio se elabor&#243; a partir de entrevistas con ejecutivos de pagos, tecnolog&#237;a, producto y estrategia de <strong>ocho instituciones financieras en siete pa&#237;ses latinoamericanos</strong>.</p><h2>El nuevo frente est&#225; sobre los rieles</h2><p style="text-align: justify;">La siguiente etapa de competencia ya no depende solamente de que un banco tenga acceso a pagos en tiempo real.</p><p style="text-align: justify;">El argumento del informe es que la diferencia estar&#225; en la arquitectura utilizada para construir productos sobre esos rieles: desde la capacidad del core para operar en tiempo real hasta la orquestaci&#243;n de pagos y la velocidad con la que pueden lanzarse nuevas experiencias.</p><p style="text-align: justify;">Un ejemplo presentado por el estudio es el lanzamiento de Pix. Mientras los bancos tradicionales todav&#237;a terminaban sus integraciones, <strong>35% de los registros iniciales proven&#237;a de sus clientes, mientras Nubank concentr&#243; por s&#237; solo 24% de la participaci&#243;n durante los primeros diez d&#237;as de operaci&#243;n</strong>. </p><p style="text-align: justify;">Para Temenos, la lectura es que conectarse a un nuevo riel constituye apenas el primer paso.</p><div class="callout-block" data-callout="true"><p style="text-align: justify;">&#8220;Los pagos instant&#225;neos cambiaron la naturaleza de la competencia bancaria. La capacidad de construir experiencias, productos y nuevos modelos de negocio sobre los rieles de pagos ser&#225; la que determine qui&#233;n gana participaci&#243;n de mercado&#8221;, se&#241;al&#243; Leonardo Amortegui, consultor senior de soluciones para Latinoam&#233;rica de Temenos. </p></div><p style="text-align: justify;">La expansi&#243;n de sistemas como Pix, Bre-B y otras infraestructuras de pago inmediato est&#225; trasladando as&#237; parte de la competencia bancaria hacia una capa distinta: <strong>qu&#233; puede construir cada instituci&#243;n una vez que el dinero ya se mueve en tiempo real</strong>.</p>]]></content:encoded></item><item><title><![CDATA[Prometeo amplía Validación de Cuentas a más de 110 países]]></title><description><![CDATA[Prometeo impulsa su infraestructura de Validaci&#243;n de Cuentas, con cobertura en m&#225;s de 110 pa&#237;ses, Risk Intelligence y una nueva versi&#243;n de su motor de validaci&#243;n.]]></description><link>https://www.fintechexpert.mx/p/ultima-hora-prometeo-amplia-validacion</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/ultima-hora-prometeo-amplia-validacion</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Tue, 29 Sep 2026 15:34:31 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!bAOj!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5d3f9601-7b8d-4d51-9d7b-34fa687a5320_1280x720.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://youtu.be/e__G_WMR1OM?si=i9jFtE_HRc-ymXi8" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!bAOj!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5d3f9601-7b8d-4d51-9d7b-34fa687a5320_1280x720.png 424w, https://substackcdn.com/image/fetch/$s_!bAOj!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5d3f9601-7b8d-4d51-9d7b-34fa687a5320_1280x720.png 848w, https://substackcdn.com/image/fetch/$s_!bAOj!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5d3f9601-7b8d-4d51-9d7b-34fa687a5320_1280x720.png 1272w, https://substackcdn.com/image/fetch/$s_!bAOj!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5d3f9601-7b8d-4d51-9d7b-34fa687a5320_1280x720.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!bAOj!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5d3f9601-7b8d-4d51-9d7b-34fa687a5320_1280x720.png" width="1280" height="720" 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srcset="https://substackcdn.com/image/fetch/$s_!bAOj!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5d3f9601-7b8d-4d51-9d7b-34fa687a5320_1280x720.png 424w, https://substackcdn.com/image/fetch/$s_!bAOj!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5d3f9601-7b8d-4d51-9d7b-34fa687a5320_1280x720.png 848w, https://substackcdn.com/image/fetch/$s_!bAOj!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5d3f9601-7b8d-4d51-9d7b-34fa687a5320_1280x720.png 1272w, https://substackcdn.com/image/fetch/$s_!bAOj!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5d3f9601-7b8d-4d51-9d7b-34fa687a5320_1280x720.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><p style="text-align: justify;"><strong>Prometeo</strong> <a href="https://youtu.be/e__G_WMR1OM?si=i9jFtE_HRc-ymXi8">anunci&#243; una ampliaci&#243;n de su infraestructura de validaci&#243;n de cuentas bancarias</a> con la que extiende su cobertura a <strong>m&#225;s de 110 pa&#237;ses en cinco continentes</strong> y a&#241;ade nuevas capacidades para evaluar tanto la cuenta receptora como la contraparte detr&#225;s de una transacci&#243;n.</p><div class="callout-block" data-callout="true"><p style="text-align: justify;">El lanzamiento re&#250;ne tres desarrollos: una <strong>mayor cobertura internacional de su soluci&#243;n de Validaci&#243;n de Cuentas</strong>, el nuevo producto <strong>Risk Intelligence</strong> y <strong>Account Verification V2</strong>, una actualizaci&#243;n de su motor de validaci&#243;n para procesos de onboarding, pagos y dispersi&#243;n de fondos de alto volumen.</p></div><p style="text-align: justify;">La apuesta responde a un problema cada vez m&#225;s relevante para empresas que operan pagos internacionales: conectar con la infraestructura necesaria para mover dinero no resuelve por s&#237; mismo la validaci&#243;n previa del destino. <strong>Antes de ejecutar una transferencia, las compa&#241;&#237;as necesitan comprobar que la cuenta existe, que corresponde al beneficiario esperado y, en determinados casos, conocer mejor a la persona o empresa con la que est&#225;n operando.</strong></p><h2>Una nueva capa de informaci&#243;n sobre la contraparte</h2><p style="text-align: justify;"><strong>Risk Intelligence</strong> incorpora informaci&#243;n reputacional y regulatoria a partir del nombre legal y Tax ID de una empresa o persona.</p><div class="callout-block" data-callout="true"><p style="text-align: justify;">El producto estructura informaci&#243;n relacionada con <strong>identidad y estatus legal, propiedad, sanciones, se&#241;ales regulatorias, medios adversos y registros corporativos</strong>, con el objetivo de apoyar procesos de due diligence y KYB antes de ejecutar una transacci&#243;n.</p></div><p style="text-align: justify;">Actualmente est&#225; disponible en <strong>Brasil, Per&#250;, Ecuador y Chile</strong>. Prometeo contempla extender su cobertura a <strong>Argentina, Colombia, M&#233;xico y Estados Unidos</strong>.</p><p style="text-align: justify;">La herramienta puede contratarse como complemento de Validaci&#243;n de Cuentas o utilizarse de manera independiente. De acuerdo con la compa&#241;&#237;a, est&#225; dise&#241;ada para complementar las pol&#237;ticas internas y procesos de decisi&#243;n de sus clientes, no para sustituirlos.</p><h2>Validaci&#243;n de Cuentas tambi&#233;n estrena nueva versi&#243;n</h2><p style="text-align: justify;">El segundo componente del anuncio es <strong>Validaci&#243;n de Cuentas V2</strong>, que incorpora flujos configurables, respuestas normalizadas, trazabilidad de solicitudes, ambiente sandbox para migraciones desde V1 y mecanismos de routing entre distintas fuentes de informaci&#243;n disponibles.</p><div class="callout-block" data-callout="true"><p style="text-align: justify;">Los clientes pueden configurar <strong>qu&#233; pa&#237;ses, datos y m&#233;todos de validaci&#243;n requieren</strong> para cada caso de uso. Entre las verificaciones disponibles se encuentran <strong>cuenta bancaria, nombre del titular, identificaci&#243;n y moneda</strong>, con operaci&#243;n tanto s&#237;ncrona como as&#237;ncrona.</p></div><p style="text-align: justify;">La nueva versi&#243;n tambi&#233;n asigna un identificador &#250;nico y una respuesta estandarizada a cada solicitud, una caracter&#237;stica pensada para facilitar el seguimiento de incidencias y excepciones entre equipos de producto, ingenier&#237;a y operaciones.</p><p style="text-align: justify;">Adem&#225;s, su sistema de routing puede dirigir una solicitud hacia otra fuente elegible cuando un proveedor no se encuentra disponible, reduciendo la dependencia operativa de una sola fuente de datos.</p><p style="text-align: justify;">Con estas actualizaciones, Prometeo lleva Validaci&#243;n de Cuentas m&#225;s all&#225; de una comprobaci&#243;n puntual de cuentas y lo acerca a una capa previa de control sobre <strong>beneficiarios, contrapartes y riesgo antes de mover los fondos</strong>.</p><div class="callout-block" data-callout="true"><p style="text-align: justify;"><strong>Ximena Alem&#225;n</strong>, co-CEO y cofundadora de Prometeo, explic&#243; en el anuncio que las empresas que operan entre distintos mercados necesitan <strong>pasar de una validaci&#243;n b&#225;sica de cuentas a una visi&#243;n m&#225;s amplia que incluya titularidad y conocimiento de la contraparte.</strong> Esa l&#243;gica est&#225; detr&#225;s de la expansi&#243;n geogr&#225;fica y de las nuevas capacidades presentadas por la compa&#241;&#237;a.</p></div>]]></content:encoded></item><item><title><![CDATA[Revolut avanza en Argentina con la compra de Banco Cetelem]]></title><description><![CDATA[El BCRA aprob&#243; la adquisici&#243;n de Banco Cetelem Argentina por Revolut. La fintech prepara su entrada bancaria al pa&#237;s con lanzamiento previsto para 2027.]]></description><link>https://www.fintechexpert.mx/p/revolut-avanza-en-argentina-con-la</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/revolut-avanza-en-argentina-con-la</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Sun, 27 Sep 2026 03:57:22 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!cRCO!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd0d916a2-eef3-472b-bde2-8a53e7b9c17c_1672x941.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!cRCO!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd0d916a2-eef3-472b-bde2-8a53e7b9c17c_1672x941.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!cRCO!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd0d916a2-eef3-472b-bde2-8a53e7b9c17c_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!cRCO!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd0d916a2-eef3-472b-bde2-8a53e7b9c17c_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!cRCO!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd0d916a2-eef3-472b-bde2-8a53e7b9c17c_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!cRCO!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd0d916a2-eef3-472b-bde2-8a53e7b9c17c_1672x941.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!cRCO!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd0d916a2-eef3-472b-bde2-8a53e7b9c17c_1672x941.png" width="1456" height="819" 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srcset="https://substackcdn.com/image/fetch/$s_!cRCO!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd0d916a2-eef3-472b-bde2-8a53e7b9c17c_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!cRCO!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd0d916a2-eef3-472b-bde2-8a53e7b9c17c_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!cRCO!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd0d916a2-eef3-472b-bde2-8a53e7b9c17c_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!cRCO!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fd0d916a2-eef3-472b-bde2-8a53e7b9c17c_1672x941.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><div class="callout-block" data-callout="true"><p style="text-align: justify;"><strong>Revolut</strong> ha dado un avance relevante en su desembarco en <strong>Argentina</strong>. <strong>El Banco Central de la Rep&#250;blica Argentina (BCRA)</strong> autoriz&#243; la compra de <strong>Banco Cetelem Argentina</strong> (hasta ahora controlado por <strong>BNP Paribas Personal Finance</strong>), lo que permitir&#225; a la fintech apoyarse en una entidad con licencia bancaria para desarrollar su operaci&#243;n local. <strong>La transacci&#243;n a&#250;n est&#225; pendiente de cierre.</strong></p></div><h3>El debut comercial se proyecta para 2027  </h3><p style="text-align: justify;">Agust&#237;n Danza, l&#237;der de Revolut en Argentina, indic&#243; que la firma trabaja con el objetivo de salir al mercado en 2027, aunque por ahora no ha comunicado una fecha espec&#237;fica.</p><p style="text-align: justify;">Para llegar a esa etapa, Revolut tendr&#225; que finalizar la compra, atender las exigencias regulatorias, patrimoniales y operativas, adem&#225;s de completar el despliegue de su plataforma e infraestructura en el pa&#237;s. Danza ser&#237;a designado CEO de Revolut Bank Argentina una vez que se cierre la operaci&#243;n y se obtengan las autorizaciones necesarias. <strong>Juan Marotta</strong>, quien ocup&#243; cargos directivos en HSBC Argentina&#8230;</p>
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          <a href="https://www.fintechexpert.mx/p/revolut-avanza-en-argentina-con-la">
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   ]]></content:encoded></item><item><title><![CDATA[Radar supera 20 millones de payouts en Latinoamérica]]></title><description><![CDATA[Radar supera 20 millones de payouts y USD 2,500 millones procesados mientras crece la fragmentaci&#243;n de rieles de pago en Am&#233;rica Latina.]]></description><link>https://www.fintechexpert.mx/p/radar-20-millones-payouts-america-latina</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/radar-20-millones-payouts-america-latina</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Wed, 23 Sep 2026 21:25:00 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!0PJX!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64f7e1ce-57e1-4071-81e6-0dd63aa19317_1672x941.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!0PJX!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64f7e1ce-57e1-4071-81e6-0dd63aa19317_1672x941.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!0PJX!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64f7e1ce-57e1-4071-81e6-0dd63aa19317_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!0PJX!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64f7e1ce-57e1-4071-81e6-0dd63aa19317_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!0PJX!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64f7e1ce-57e1-4071-81e6-0dd63aa19317_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!0PJX!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64f7e1ce-57e1-4071-81e6-0dd63aa19317_1672x941.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!0PJX!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64f7e1ce-57e1-4071-81e6-0dd63aa19317_1672x941.png" width="1456" height="819" 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srcset="https://substackcdn.com/image/fetch/$s_!0PJX!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64f7e1ce-57e1-4071-81e6-0dd63aa19317_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!0PJX!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64f7e1ce-57e1-4071-81e6-0dd63aa19317_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!0PJX!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64f7e1ce-57e1-4071-81e6-0dd63aa19317_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!0PJX!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64f7e1ce-57e1-4071-81e6-0dd63aa19317_1672x941.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><div class="callout-block" data-callout="true"><p style="text-align: justify;">Radar inform&#243; que ha procesado <strong>m&#225;s de 20 millones de payouts por m&#225;s de USD 2,500 millones en Am&#233;rica Latina</strong>, mientras la regi&#243;n avanza hacia un ecosistema de pagos en el que empresas deben operar simult&#225;neamente con transferencias instant&#225;neas, wallets y otros rieles locales.</p></div><p style="text-align: justify;">El crecimiento de estos mecanismos est&#225; modificando la infraestructura necesaria para mover dinero entre pa&#237;ses. En 2025, los pagos cuenta a cuenta, o A2A, representaron <strong>23% del valor del comercio electr&#243;nico y 14% del valor transaccionado en puntos de venta en Am&#233;rica Latina</strong>, de acuerdo con cifras de Worldpay citadas por Radar. </p><p style="text-align: justify;">El problema para las compa&#241;&#237;as regionales es que esa expansi&#243;n no ocurre sobre un &#250;nico est&#225;ndar.</p><p style="text-align: justify;">Brasil tiene Pix. Argentina opera Transferencias 3.0. M&#233;xico combina SPEI con wallets y otros m&#233;todos. Colombia tiene una mezcla propia de infraestructuras. Para una empresa que mueve dinero en varios pa&#237;ses, cada mercado termina exigiendo conexiones, reglas y procesos distintos.</p><h2>La fragmentaci&#243;n se convierte en un problema operativo</h2><p style="text-align: justify;">Radar plantea que la capacidad <strong>multi-riel</strong> est&#225; dejando de ser solamente una forma de ofrecer m&#225;s m&#233;todos de pago.</p><p style="text-align: justify;">Tambi&#233;n puede convertirse en una capa de redundancia.</p><p style="text-align: justify;">Cuando una infraestructura presenta una interrupci&#243;n o limitaci&#243;n operativa, contar con otra ruta permite redirigir una transacci&#243;n y mantener activo el flujo de fondos. Esto adquiere especial relevancia para procesadores de pagos, compa&#241;&#237;as de remesas y marketplaces que manejan grandes vol&#250;menes de operaciones.</p><div class="callout-block" data-callout="true"><p style="text-align: justify;">&#8220;<strong>Ninguna empresa que opere pagos en varios pa&#237;ses de Latinoam&#233;rica puede darse el lujo de depender de un solo riel</strong>&#8221;, se&#241;al&#243; Herbert Schulz, CEO y fundador de Radar.</p></div><p style="text-align: justify;">La compa&#241;&#237;a sostiene que el reto aumenta conforme los flujos empresariales se vuelven m&#225;s digitales y transfronterizos. De acuerdo con datos de EBANX, <strong>75% de las pymes latinoamericanas utiliza canales digitales para pagar a sus proveedores y 72% realiza compras internacionales</strong>.</p><h2>M&#225;s cross-border implica m&#225;s infraestructura local</h2><p style="text-align: justify;">Los pagos transfronterizos agregan otra capa al problema.</p><p style="text-align: justify;">Mover dinero entre pa&#237;ses no termina al iniciar una transferencia. Las empresas tambi&#233;n necesitan administrar conversi&#243;n de divisas, liquidez, liquidaci&#243;n y payouts utilizando la infraestructura disponible en el mercado de destino.</p><p style="text-align: justify;">Radar identifica precisamente ah&#237; una de las principales fricciones para las compa&#241;&#237;as regionales: coordinar rieles locales con reglas, formatos y condiciones diferentes sin perder visibilidad sobre el estado de cada transacci&#243;n. La fragmentaci&#243;n puede complicar tambi&#233;n conciliaciones y respuestas ante la indisponibilidad de alg&#250;n canal.</p><p style="text-align: justify;">El planteamiento detr&#225;s de su producto de payouts es conectar distintas infraestructuras y mantener alternativas de enrutamiento cuando alguna falla. La plataforma opera sobre AWS y cuenta con certificaci&#243;n ISO 27001.</p><p style="text-align: justify;">La expansi&#243;n de Pix, SPEI y otros sistemas locales est&#225; creando m&#225;s opciones para mover dinero. Para las empresas que trabajan en distintos pa&#237;ses, tambi&#233;n aumenta el n&#250;mero de conexiones que deben administrar. Ah&#237; es donde la orquestaci&#243;n y la redundancia empiezan a pesar tanto como la velocidad del pago.</p>]]></content:encoded></item><item><title><![CDATA[Fundadores de Prometeo se suman a Endeavor]]></title><description><![CDATA[Ximena Alem&#225;n y Rodrigo Tumai&#225;n fueron seleccionados tras el Panel Internacional de Selecci&#243;n de Endeavor realizado en Montreal, Canad&#225;.]]></description><link>https://www.fintechexpert.mx/p/fundadores-de-prometeo-se-suman-a</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/fundadores-de-prometeo-se-suman-a</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Wed, 23 Sep 2026 06:17:32 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!f0-C!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc2d84de5-1bde-4d0b-9107-6e27fd1ca97d_1672x941.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!f0-C!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc2d84de5-1bde-4d0b-9107-6e27fd1ca97d_1672x941.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!f0-C!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc2d84de5-1bde-4d0b-9107-6e27fd1ca97d_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!f0-C!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc2d84de5-1bde-4d0b-9107-6e27fd1ca97d_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!f0-C!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc2d84de5-1bde-4d0b-9107-6e27fd1ca97d_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!f0-C!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc2d84de5-1bde-4d0b-9107-6e27fd1ca97d_1672x941.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!f0-C!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc2d84de5-1bde-4d0b-9107-6e27fd1ca97d_1672x941.png" width="1456" height="819" 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srcset="https://substackcdn.com/image/fetch/$s_!f0-C!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc2d84de5-1bde-4d0b-9107-6e27fd1ca97d_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!f0-C!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc2d84de5-1bde-4d0b-9107-6e27fd1ca97d_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!f0-C!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc2d84de5-1bde-4d0b-9107-6e27fd1ca97d_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!f0-C!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fc2d84de5-1bde-4d0b-9107-6e27fd1ca97d_1672x941.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><div class="callout-block" data-callout="true"><p style="text-align: justify;">Los cofundadores de <strong>Prometeo, Ximena Alem&#225;n y Rodrigo Tumai&#225;n</strong>, fueron seleccionados como <strong>Emprendedores Endeavor</strong> tras participar en el Panel Internacional de Selecci&#243;n de la organizaci&#243;n, celebrado del 15 al 17 de septiembre en Montreal, Canad&#225;.</p></div><p style="text-align: justify;">Prometeo form&#243; parte de un grupo de compa&#241;&#237;as cuyos fundadores ingresaron a la red durante esta edici&#243;n del panel. Endeavor re&#250;ne a emprendedores de empresas que ya han demostrado capacidad de crecimiento y que buscan ampliar su presencia en nuevos mercados.</p><p style="text-align: justify;">Fundada en Montevideo en 2018, Prometeo desarrolla infraestructura financiera para empresas y plataformas que necesitan conectarse con bancos y sistemas de pagos. Entre sus productos se encuentran herramientas para verificar cuentas bancarias y titularidad, ejecutar pagos de cuenta a cuenta y acceder a informaci&#243;n bancaria consolidada.</p><h2>Prometeo entra a la red global de Endeavor</h2><p style="text-align: justify;">La selecci&#243;n se produjo durante la edici&#243;n 109 del Panel Internacional de Selecci&#243;n de Endeavor, la primera realizada en Canad&#225;.</p><p style="text-align: justify;">El panel representa la &#250;ltima etapa del proceso para incorporarse a la red. Los emprendedores pasan previamente por distintas evaluaciones y posteriormente presentan sus compa&#241;&#237;as ante empresarios y l&#237;deres de negocios de diferentes pa&#237;ses.</p><p style="text-align: justify;">Para Prometeo, el reconocimiento llega mientras la compa&#241;&#237;a ampl&#237;a su negocio en <strong>verificaci&#243;n de cuentas, identidad, riesgo y pagos</strong>, adem&#225;s de avanzar en su expansi&#243;n en Estados Unidos.</p><div class="callout-block" data-callout="true"><p style="text-align: justify;">&#8220;Durante los &#250;ltimos diez a&#241;os, la industria resolvi&#243; c&#243;mo mover dinero mediante pagos en tiempo real, sistemas locales y monedas estables. Lo que todav&#237;a falta es certeza: saber que una cuenta es real, que su propietario es quien dice ser y que la operaci&#243;n cumple con la normativa. Ese es el problema para el que estamos construyendo infraestructura&#8221;, se&#241;al&#243; <strong>Ximena Alem&#225;n, cofundadora y codirectora ejecutiva de Prometeo</strong>, en el comunicado de la compa&#241;&#237;a.</p></div><p style="text-align: justify;">La empresa comenz&#243; resolviendo la fragmentaci&#243;n de las conexiones bancarias en Am&#233;rica Latina. Esa experiencia sirve ahora como base para ampliar su oferta hacia casos de uso en los que la verificaci&#243;n previa al movimiento de fondos cobra mayor relevancia, desde operaciones empresariales hasta transacciones iniciadas por sistemas de inteligencia artificial.</p><p style="text-align: justify;"><strong>La incorporaci&#243;n de Alem&#225;n y Tumai&#225;n a Endeavor conecta a Prometeo con una comunidad internacional de fundadores, mentores y l&#237;deres empresariales.</strong> El reconocimiento coincide adem&#225;s con una etapa en la que la compa&#241;&#237;a busca llevar su infraestructura financiera a nuevos mercados y fortalecer su presencia fuera de Am&#233;rica Latina.</p><p style="text-align: justify;"><strong><sub>Fuente: </sub><a href="https://prometeoapi.com/en/blog/prometeo-selected-as-an-endeavor-entrepreneur"><sub>Prometeo</sub></a></strong></p>]]></content:encoded></item><item><title><![CDATA[Revolut obtiene licencia bancaria final en Colombia]]></title><description><![CDATA[Revolut recibi&#243; la autorizaci&#243;n final para operar como banco en Colombia y prepara su lanzamiento para 2027, con 200,000 personas en lista de espera.]]></description><link>https://www.fintechexpert.mx/p/revolut-licencia-bancaria-colombia-2027</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/revolut-licencia-bancaria-colombia-2027</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Sun, 20 Sep 2026 04:03:15 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!bpnU!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!bpnU!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!bpnU!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!bpnU!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!bpnU!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!bpnU!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!bpnU!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png" width="1456" height="819" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/b9f2aa37-765c-408e-a593-4e85413189be_1672x941.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:819,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:1248358,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:&quot;https://www.fintechexpert.mx/i/216533229?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!bpnU!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!bpnU!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!bpnU!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!bpnU!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb9f2aa37-765c-408e-a593-4e85413189be_1672x941.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><div class="callout-block" data-callout="true"><p style="text-align: justify;"><strong>Revolut</strong> obtuvo la <strong>autorizaci&#243;n final para operar como banco en Colombia</strong>, despu&#233;s de completar los requisitos regulatorios exigidos por la Superintendencia Financiera de Colombia (SFC). La compa&#241;&#237;a prev&#233; comenzar operaciones en el pa&#237;s durante <strong>2027</strong>.</p></div><p style="text-align: justify;">La aprobaci&#243;n corresponde a la autorizaci&#243;n de funcionamiento de <strong>Revolut Bank Colombia S.A.</strong> y representa una etapa distinta a la autorizaci&#243;n de constituci&#243;n que la SFC hab&#237;a otorgado en octubre de 2025. Aquella primera resoluci&#243;n permiti&#243; crear jur&#237;dicamente la entidad y avanzar con su preparaci&#243;n operativa; la nueva habilitaci&#243;n completa el proceso regulatorio previo al lanzamiento.</p><p style="text-align: justify;">Esto no significa que Revolut ya haya abierto cuentas o comenzado a ofrecer productos al p&#250;blico colombiano. La compa&#241;&#237;a mantiene abierta una lista de espera y espera iniciar operaciones comerciales el pr&#243;ximo a&#241;o.</p><h2>Cerca de 200,000 personas esperan el lanzamiento</h2><p style="text-align: justify;">Revolut llega a esta etapa con cerca de <strong>200,000 personas registradas en su lista de espera en Colombia</strong>&#8230;</p>
      <p>
          <a href="https://www.fintechexpert.mx/p/revolut-licencia-bancaria-colombia-2027">
              Read more
          </a>
      </p>
   ]]></content:encoded></item><item><title><![CDATA[Nu entra a Estados Unidos y lanza cuenta global]]></title><description><![CDATA[Nu inicia operaciones en Estados Unidos y lanza Nu Global, una cuenta multidivisa con stablecoins y transferencias a m&#225;s de 35 pa&#237;ses.]]></description><link>https://www.fintechexpert.mx/p/ultima-hora-nu-entra-a-estados-unidos</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/ultima-hora-nu-entra-a-estados-unidos</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Thu, 10 Sep 2026 20:33:50 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!kH5O!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F85d9af9b-9b84-4082-9976-6986ac8cde97_1672x941.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!kH5O!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F85d9af9b-9b84-4082-9976-6986ac8cde97_1672x941.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!kH5O!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F85d9af9b-9b84-4082-9976-6986ac8cde97_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!kH5O!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F85d9af9b-9b84-4082-9976-6986ac8cde97_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!kH5O!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F85d9af9b-9b84-4082-9976-6986ac8cde97_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!kH5O!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F85d9af9b-9b84-4082-9976-6986ac8cde97_1672x941.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!kH5O!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F85d9af9b-9b84-4082-9976-6986ac8cde97_1672x941.png" width="1456" height="819" 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srcset="https://substackcdn.com/image/fetch/$s_!kH5O!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F85d9af9b-9b84-4082-9976-6986ac8cde97_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!kH5O!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F85d9af9b-9b84-4082-9976-6986ac8cde97_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!kH5O!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F85d9af9b-9b84-4082-9976-6986ac8cde97_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!kH5O!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F85d9af9b-9b84-4082-9976-6986ac8cde97_1672x941.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><div class="callout-block" data-callout="true"><p style="text-align: justify;">Nu abri&#243; este 10 de septiembre un nuevo frente fuera de Am&#233;rica Latina. <strong>La compa&#241;&#237;a brasile&#241;a inici&#243; operaciones en Estados Unidos</strong> y, en paralelo, <strong>present&#243; Nu Global, una cuenta digital dise&#241;ada para mover y administrar dinero entre distintos pa&#237;ses.</strong></p><p style="text-align: justify;"><strong>Los dos anuncios muestran una ampliaci&#243;n de la estrategia que Nu construy&#243; durante 13 a&#241;os en Brasil, M&#233;xico y Colombia.</strong> Hasta ahora, su crecimiento internacional hab&#237;a seguido una l&#243;gica pa&#237;s por pa&#237;s. <strong>Estados Unidos cambia la escala del reto, mientras que Nu Global introduce un producto pensado desde el inicio para clientes que manejan dinero entre distintas jurisdicciones.</strong></p></div><p style="text-align: justify;">&#8220;Este es el siguiente cap&#237;tulo de algo que comenzamos hace trece a&#241;os en una peque&#241;a casa de S&#227;o Paulo&#8221;, dijo David V&#233;lez, fundador y CEO de Nu.</p><p style="text-align: justify;"><strong>La compa&#241;&#237;a llega a esta etapa despu&#233;s de cerrar el segundo trimestre de 2026 con 139 millones de clientes, una utilidad neta de US$1,100 millones y un retorno sobre capital de 33%.</strong> M&#233;xico representaba 15.8 millones de usuarios al cierre de junio y lleg&#243; a 16 millones en julio.</p><h2>Una entrada gradual al mercado estadounidense</h2><p>En Estados Unidos, Nu comenzar&#225; con una cuenta que ofrece un rendimiento de 3.50% APY, adem&#225;s de tarjeta de d&#233;bito, herramientas de ahorro y transferencias nacionales e internacionales. Los dep&#243;sitos se mantendr&#225;n en Lead Bank, instituci&#243;n asegurada por la Federal Deposit Insurance Corporation (FDIC).</p><p>La oferta incluye adem&#225;s una tarjeta de cr&#233;dito sin cuota anual emitida en alianza con Mastercard, con cashback ilimitado de 1.5% en compras. La compa&#241;&#237;a anticip&#243; que algunos clientes podr&#225;n acceder posteriormente a un cashback de 2% sujeto al cumplimiento de determinadas condiciones.</p><p>Uno de los puntos que conecta directamente esta estrategia con Am&#233;rica Latina est&#225; en los pagos internacionales. Nu prev&#233; comenzar las transferencias desde Estados Unidos hacia Brasil, M&#233;xico y Colombia, antes de sumar otros mercados.</p><p>El lanzamiento estadounidense se realizar&#225; inicialmente mediante un esquema con un banco asociado. Nu present&#243; en septiembre de 2025 su solicitud para constituir Nubank, National Association, y la Office of the Comptroller of the Currency (OCC) concedi&#243; una aprobaci&#243;n preliminar condicionada el 29 de enero de 2026. La autorizaci&#243;n definitiva para que el banco opere por cuenta propia todav&#237;a est&#225; sujeta al cumplimiento de los requisitos previos establecidos por el regulador.</p><p>Este modelo permite a la compa&#241;&#237;a empezar a captar usuarios antes de concluir el proceso para operar con una licencia bancaria propia.</p><h2>Nu Global apuesta por stablecoins para mover dinero</h2><p style="text-align: justify;">El segundo anuncio ampl&#237;a la estrategia m&#225;s all&#225; de Estados Unidos.</p><p style="text-align: justify;"><strong>Nu Global funcionar&#225; como una cuenta digital multidivisa dirigida a personas que reciben, gastan o transfieren dinero en diferentes pa&#237;ses.</strong> Los dep&#243;sitos se convertir&#225;n en USDC o EURC, stablecoins vinculadas al d&#243;lar y al euro, respectivamente. Los saldos tendr&#225;n rendimientos de 3.50% APY en USDC y 2.20% APY en EURC, de acuerdo con la compa&#241;&#237;a.</p><p style="text-align: justify;">La cuenta tambi&#233;n contempla una tarjeta virtual Mastercard y transferencias sin comisi&#243;n entre m&#225;s de 35 pa&#237;ses. <strong>El despliegue comenzar&#225; en Europa y Am&#233;rica Latina, con integraciones previstas posteriormente para Brasil, Colombia, M&#233;xico y Estados Unidos.</strong> Los usuarios tambi&#233;n podr&#225;n mantener Bitcoin y Ether dentro de la aplicaci&#243;n.</p><p style="text-align: justify;">La elecci&#243;n de stablecoins como infraestructura es relevante. En lugar de limitar el producto a una cuenta bancaria tradicional conectada a redes internacionales de transferencias, Nu incorpora activos digitales respaldados por monedas fiduciarias como parte central de su propuesta para pagos y saldos transfronterizos.</p><div class="callout-block" data-callout="true"><p style="text-align: justify;"><strong>Eso coloca a Nu Global en una categor&#237;a donde ya compiten fintech de pagos internacionales, wallets, plataformas cripto y bancos digitales que buscan reducir los costos y tiempos asociados al movimiento de dinero entre pa&#237;ses.</strong></p></div><h2>M&#233;xico gana peso dentro de la estrategia de Nu</h2><p style="text-align: justify;">El anuncio llega apenas semanas despu&#233;s de otro cambio importante para la compa&#241;&#237;a en M&#233;xico.</p><p style="text-align: justify;">Nu inici&#243; formalmente operaciones como instituci&#243;n de banca m&#250;ltiple el 6 de agosto de 2026, despu&#233;s de recibir la autorizaci&#243;n de la CNBV para comenzar actividades como banco. La transici&#243;n dej&#243; atr&#225;s la estructura con la que operaba como SOFIPO y ampli&#243; el tipo de productos y capacidades financieras que puede desarrollar en el pa&#237;s.</p><p style="text-align: justify;">Con aproximadamente 16 millones de clientes en M&#233;xico a julio, el pa&#237;s ya es el segundo mayor mercado de Nu por n&#250;mero de usuarios detr&#225;s de Brasil.</p><div class="callout-block" data-callout="true"><p style="text-align: justify;">La conexi&#243;n que ahora plantea entre Estados Unidos y sus tres mercados latinoamericanos tambi&#233;n puede resultar relevante para M&#233;xico por otro motivo: los flujos transfronterizos. <strong>Integrar cuentas, tarjetas y transferencias dentro de una misma plataforma podr&#237;a acercar a Nu a necesidades financieras que van m&#225;s all&#225; del cr&#233;dito y el ahorro local, especialmente entre usuarios con ingresos, familiares o actividades econ&#243;micas repartidas entre Estados Unidos y Am&#233;rica Latina.</strong></p></div><p style="text-align: justify;"><strong>El desaf&#237;o ser&#225; distinto al que enfrent&#243; en sus mercados de origen.</strong> En Estados Unidos tendr&#225; que competir con bancos de gran escala, neobancos y fintech consolidadas, mientras completa su propio proceso regulatorio. Al mismo tiempo, Nu Global tendr&#225; que demostrar que una arquitectura basada en stablecoins puede traducirse en una experiencia financiera cotidiana para usuarios que probablemente no se consideran clientes de productos cripto.</p><p style="text-align: justify;"><strong>Para Nu, el anuncio marca el paso de una estrategia regional a una operaci&#243;n que empieza a conectar mercados.</strong> M&#233;xico estar&#225; en medio de esa transici&#243;n: como uno de sus negocios de mayor tama&#241;o y, pr&#243;ximamente, como uno de los puntos de entrada y salida de su nueva infraestructura internacional.</p><p><strong><sub>Fuente:</sub></strong><sub> </sub><a href="https://nu.com/es/sala-de-prensa/clientes/nu-da-el-siguiente-paso-en-su-expansion-internacional-con-su-lanzamiento-en-estados-unidos-y-la-presentacion-de-nu-global"><sub>Nu Newsroom</sub></a></p>]]></content:encoded></item><item><title><![CDATA[Bitso migra su retail en Brasil a Mercado Bitcoin]]></title><description><![CDATA[Bitso dejar&#225; de atender directamente a clientes minoristas en Brasil y migrar&#225; cuentas a Mercado Bitcoin mientras ambas firmas refuerzan su negocio de pagos.]]></description><link>https://www.fintechexpert.mx/p/bitso-mercado-bitcoin-brasil-retail-alianza</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/bitso-mercado-bitcoin-brasil-retail-alianza</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Tue, 08 Sep 2026 17:26:19 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!Rsyx!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d1e58bd-14fe-470e-b7eb-b172c3f7541a_1672x941.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!Rsyx!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d1e58bd-14fe-470e-b7eb-b172c3f7541a_1672x941.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!Rsyx!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d1e58bd-14fe-470e-b7eb-b172c3f7541a_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!Rsyx!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d1e58bd-14fe-470e-b7eb-b172c3f7541a_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!Rsyx!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d1e58bd-14fe-470e-b7eb-b172c3f7541a_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!Rsyx!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d1e58bd-14fe-470e-b7eb-b172c3f7541a_1672x941.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!Rsyx!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d1e58bd-14fe-470e-b7eb-b172c3f7541a_1672x941.png" width="1456" height="819" 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srcset="https://substackcdn.com/image/fetch/$s_!Rsyx!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d1e58bd-14fe-470e-b7eb-b172c3f7541a_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!Rsyx!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d1e58bd-14fe-470e-b7eb-b172c3f7541a_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!Rsyx!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d1e58bd-14fe-470e-b7eb-b172c3f7541a_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!Rsyx!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d1e58bd-14fe-470e-b7eb-b172c3f7541a_1672x941.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><div class="callout-block" data-callout="true"><p style="text-align: justify;">Bitso est&#225; cambiando su modelo de negocio en Brasil. <strong>La empresa dejar&#225; de prestar servicios directamente a clientes minoristas en el pa&#237;s a finales de octubre y trasladar&#225; esa relaci&#243;n a Mercado Bitcoin</strong>, uno de los principales exchanges locales. Pero no se trata de una salida completa de Brasil.</p></div><p style="text-align: justify;">Mientras su operaci&#243;n para personas f&#237;sicas pasa a Mercado Bitcoin (MB), <strong>Bitso seguir&#225; vinculada al mercado brasile&#241;o a trav&#233;s de una alianza enfocada en empresas, pagos internacionales y movimientos de dinero con stablecoins.</strong> Es un cambio relevante para una compa&#241;&#237;a que durante los &#250;ltimos a&#241;os busc&#243; competir directamente por el usuario brasile&#241;o y que ahora apuesta por una estructura distinta: un socio local para el retail y una operaci&#243;n conjunta para clientes corporativos.</p><h3>El retail de Bitso tiene fecha de cierre</h3><p style="text-align: justify;">La transici&#243;n ya comenz&#243;. <strong>Desde el 1 de septiembre, Bitso dej&#243; de aceptar nuevas cuentas en Brasil.</strong> Los clientes actuales pueden abrir una cuenta en Mercado Bitcoin antes del 30 de s&#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[Yuno levanta US$45 millones en Serie B]]></title><description><![CDATA[Yuno recaud&#243; US$45 millones en una Serie B para ampliar su infraestructura global de pagos, crecer en banca y desarrollar productos basados en IA.]]></description><link>https://www.fintechexpert.mx/p/yuno-serie-b-45-millones-pagos-ia</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/yuno-serie-b-45-millones-pagos-ia</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Mon, 17 Aug 2026 06:51:56 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!YhMN!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!YhMN!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!YhMN!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png 424w, https://substackcdn.com/image/fetch/$s_!YhMN!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png 848w, https://substackcdn.com/image/fetch/$s_!YhMN!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png 1272w, https://substackcdn.com/image/fetch/$s_!YhMN!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!YhMN!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png" width="1456" height="819" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:819,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:null,&quot;alt&quot;:&quot;Yuno Raises $45 Million Series B to Scale the AI-Native Operating System of Global Payments and Financial Services&quot;,&quot;title&quot;:null,&quot;type&quot;:null,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:null,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="Yuno Raises $45 Million Series B to Scale the AI-Native Operating System of Global Payments and Financial Services" title="Yuno Raises $45 Million Series B to Scale the AI-Native Operating System of Global Payments and Financial Services" srcset="https://substackcdn.com/image/fetch/$s_!YhMN!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png 424w, https://substackcdn.com/image/fetch/$s_!YhMN!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png 848w, https://substackcdn.com/image/fetch/$s_!YhMN!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png 1272w, https://substackcdn.com/image/fetch/$s_!YhMN!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F23d1d4ab-ab39-4996-833d-5af837834622_3840x2160.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><div class="callout-block" data-callout="true"><p style="text-align: justify;"><strong>Yuno</strong> levant&#243; US$45 millones en una <strong>ronda Serie B</strong> encabezada por <strong>Global PayTech Ventures,</strong> en una operaci&#243;n que la compa&#241;&#237;a utilizar&#225; para financiar investigaci&#243;n y desarrollo, ampliar su infraestructura global y avanzar hacia la rentabilidad.</p></div><p style="text-align: justify;">En la ronda participaron <strong>Andreessen Horowitz</strong>, <strong>Tiger Global</strong>, <strong>QuantumLight</strong> <strong>Capital</strong>, <strong>Monashees</strong>, <strong>Kaszek</strong> y <strong>Endeavor</strong> <strong>Catalyst</strong>, adem&#225;s de inversionistas con presencia en Medio Oriente como <strong>Rasmal Ventures</strong>, <strong>Further Ventures</strong> y <strong>GrowthX Capital.</strong></p><p style="text-align: justify;">La empresa, fundada en Colombia en 2022, busca alcanzar un volumen anualizado de transacciones de US$100,000 millones durante los pr&#243;ximos 12 meses. Su plataforma es utilizada por compa&#241;&#237;as como McDonald&#8217;s, NetEase Games, GoFundMe, inDrive y Rappi.</p><p style="text-align: justify;">M&#225;s que sumar mercados, Yuno est&#225; tratando de ocupar una capa cada vez mayor de la infraestructura financiera de sus clientes. La compa&#241;&#237;a conecta mediante una sola API m&#225;s de 1,000 m&#233;todos de pago y m&#225;s de 460 integraciones en m&#225;s de 190 pa&#237;ses.</p><p style="text-align: justify;">El nuevo capital se concentrar&#8230;</p>
      <p>
          <a href="https://www.fintechexpert.mx/p/yuno-serie-b-45-millones-pagos-ia">
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   ]]></content:encoded></item><item><title><![CDATA[El Mundial llevó los mercados de predicción a US$20,000 millones. ]]></title><description><![CDATA[Los mercados de predicci&#243;n del Mundial 2026 movieron US$20,000 millones. Kalshi, Polymarket y la regulaci&#243;n de EE.UU. definen qu&#233; sigue.]]></description><link>https://www.fintechexpert.mx/p/mundial-2026-mercados-prediccion-polymarket-kalshi</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/mundial-2026-mercados-prediccion-polymarket-kalshi</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Mon, 10 Aug 2026 04:13:14 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!EFKW!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!EFKW!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!EFKW!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png 424w, https://substackcdn.com/image/fetch/$s_!EFKW!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png 848w, https://substackcdn.com/image/fetch/$s_!EFKW!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png 1272w, https://substackcdn.com/image/fetch/$s_!EFKW!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!EFKW!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png" width="1024" height="608" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:&quot;normal&quot;,&quot;height&quot;:608,&quot;width&quot;:1024,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:null,&quot;alt&quot;:&quot;&quot;,&quot;title&quot;:null,&quot;type&quot;:null,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:null,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" title="" srcset="https://substackcdn.com/image/fetch/$s_!EFKW!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png 424w, https://substackcdn.com/image/fetch/$s_!EFKW!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png 848w, https://substackcdn.com/image/fetch/$s_!EFKW!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png 1272w, https://substackcdn.com/image/fetch/$s_!EFKW!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F483c0d6e-5b18-4ce0-907e-40c42c7355c1_1024x608.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><p style="text-align: justify;">Uno de los n&#250;meros financieros m&#225;s relevantes que dej&#243; el Mundial 2026 no sali&#243; de los derechos de televisi&#243;n, los patrocinios ni la venta de boletos.</p><p style="text-align: justify;">Sali&#243; de blockchain.</p><div class="callout-block" data-callout="true"><p style="text-align: justify;">Los mercados de predicci&#243;n vinculados al torneo movilizaron <strong>US$20,000 millones entre enero y el cierre de la competencia</strong>, de acuerdo con Chainalysis. Cerca de 400,000 wallets participaron durante el Mundial y generaron US$5,700 millones en volumen solo durante las cinco semanas del torneo.</p></div><p style="text-align: justify;">La cifra resuelve una de las inc&#243;gnitas que acompa&#241;&#243; durante a&#241;os a los &#8220;<strong>prediction markets&#8221;</strong>: si pod&#237;an dejar de ser un producto de nicho para convertirse en una categor&#237;a financiera con liquidez masiva.</p><p style="text-align: justify;">La respuesta, al menos desde el lado de la demanda, empieza a ser afirmativa.</p><p style="text-align: justify;"><strong>El volumen diario ligado al Mundial pas&#243; de alrededor de US$50 millones a comienzos de a&#241;o a m&#225;s de US$250 millones despu&#233;s del arranque de la fase de grupos.</strong> El d&#237;a de la final super&#243; los US$300 millones.</p><p style="text-align: justify;">Pero el dato necesita contexto.</p><h2>El f&#250;tbol aceler&#243; una i&#8230;</h2>
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   ]]></content:encoded></item><item><title><![CDATA[Jeeves abre Argentina y pone una meta de US$500 millones a sus pagos con stablecoins]]></title><description><![CDATA[Jeeves abre oficina en Buenos Aires y fija una meta de US$500 millones en pagos con stablecoins para 2026.]]></description><link>https://www.fintechexpert.mx/p/jeeves-argentina-stablecoins-pagos-empresas</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/jeeves-argentina-stablecoins-pagos-empresas</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Sat, 01 Aug 2026 23:10:51 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!0dY5!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!0dY5!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!0dY5!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png 424w, https://substackcdn.com/image/fetch/$s_!0dY5!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png 848w, https://substackcdn.com/image/fetch/$s_!0dY5!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png 1272w, https://substackcdn.com/image/fetch/$s_!0dY5!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!0dY5!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png" width="1152" height="896" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:896,&quot;width&quot;:1152,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:880655,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:&quot;https://www.fintechexpert.mx/i/209430640?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!0dY5!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png 424w, https://substackcdn.com/image/fetch/$s_!0dY5!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png 848w, https://substackcdn.com/image/fetch/$s_!0dY5!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png 1272w, https://substackcdn.com/image/fetch/$s_!0dY5!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F410b3cfe-f479-46d7-997e-7786457cd76e_1152x896.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><div class="callout-block" data-callout="true"><p style="text-align: justify;"><strong><span>Jeeves</span></strong><span> inici&#243; operaciones en </span><strong><span>Argentina</span></strong><span> con una oficina en </span><strong><span>Buenos Aires</span></strong><span> y fij&#243; como </span><strong><span>objetivo cerrar </span>100 clientes corporativos</strong> y <span>procesar </span><strong><span>US$500 millones</span></strong><span> mediante stablecoins antes de que termine 2026.</span></p></div><p style="text-align: justify;"><span>El anuncio sit&#250;a a las stablecoins dentro de la infraestructura financiera empresarial, lejos de la compraventa especulativa. </span><strong><span>Para una compa&#241;&#237;a con proveedores, empleados o filiales en varios pa&#237;ses, un activo digital ligado al d&#243;lar puede reducir tiempos de movimiento y ampliar horarios de liquidaci&#243;n</span></strong><span>. El ahorro real depende de la conversi&#243;n entre moneda local, stablecoin y cuenta bancaria, adem&#225;s de comisiones, spreads y disponibilidad de liquidez.</span></p><p style="text-align: justify;"><span>Argentina ofrece condiciones particulares para probar ese modelo. La demanda de d&#243;lares, la volatilidad del peso y las restricciones cambiarias han impulsado alternativas digitales. Una plataforma corporativa necesita, sin embargo, operar dentro de reglas de identificaci&#243;n, prevenci&#243;n de lavado, documentaci&#243;n fiscal, contabilidad y reportes de &#8230;</span></p>
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   ]]></content:encoded></item><item><title><![CDATA[El GAFI eleva la presión sobre stablecoins, wallets autocustodiadas y VASPs offshore]]></title><description><![CDATA[GAFI dice que la regulaci&#243;n ya no basta. Ahora quiere pruebas de que funciona.]]></description><link>https://www.fintechexpert.mx/p/el-gafi-eleva-la-presion-sobre-stablecoins</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/el-gafi-eleva-la-presion-sobre-stablecoins</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Tue, 21 Jul 2026 07:27:56 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!zabn!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!zabn!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!zabn!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png 424w, https://substackcdn.com/image/fetch/$s_!zabn!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png 848w, https://substackcdn.com/image/fetch/$s_!zabn!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png 1272w, https://substackcdn.com/image/fetch/$s_!zabn!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!zabn!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png" width="1024" height="608" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:&quot;normal&quot;,&quot;height&quot;:608,&quot;width&quot;:1024,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:null,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:null,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:null,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!zabn!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png 424w, https://substackcdn.com/image/fetch/$s_!zabn!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png 848w, https://substackcdn.com/image/fetch/$s_!zabn!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png 1272w, https://substackcdn.com/image/fetch/$s_!zabn!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F112489df-b99b-40bb-b2b0-fb59f30f524b_1024x608.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/p/el-gafi-eleva-la-presion-sobre-stablecoins?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Compartir&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/p/el-gafi-eleva-la-presion-sobre-stablecoins?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Compartir</span></a></p><p></p><p style="text-align: justify;">El <strong>Grupo de Acci&#243;n Financiera Internacional (GAFI</strong>) public&#243; su s&#233;ptima actualizaci&#243;n sobre la implementaci&#243;n de los est&#225;ndares para activos virtuales y proveedores de servicios de activos virtuales (VASPs), un reporte que confirma un cambio en las prioridades regulatorias globales. Si durante los &#250;ltimos a&#241;os el &#233;nfasis estuvo en construir marcos legales, <strong>ahora el organismo pone el foco en demostrar que esos marcos funcionan mediante supervisi&#243;n efectiva, aplicaci&#243;n de sanciones y cooperaci&#243;n internacional.</strong></p><p style="text-align: justify;">El documento muestra avances. M&#225;s pa&#237;ses cuentan con evaluaciones nacionales de riesgo, esquemas de licenciamiento para VASPs y legislaci&#243;n para implementar la Travel Rule. En 2026, el 83% de las jurisdicciones evaluadas ya dispone de un marco legal para esta obligaci&#243;n, frente al 73% registrado un a&#241;o antes. Sin embargo, el propio GAFI reconoce que en muchas jurisdicciones la regulaci&#243;n a&#250;n no se refleja en inspecciones, sanciones o acciones de supervisi&#243;n basadas en riesgo.</p><p style="text-align: justify;">M&#225;s all&#225;&#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[Plata recibe autorización para operar en Colombia como compañía de financiamiento]]></title><description><![CDATA[El avance convierte su expansi&#243;n regional en una operaci&#243;n financiera regulada.]]></description><link>https://www.fintechexpert.mx/p/plata-colombia-autorizacion-funcionamiento-compania-financiamiento</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/plata-colombia-autorizacion-funcionamiento-compania-financiamiento</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Fri, 10 Jul 2026 03:15:09 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!AzVv!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F7cb0f64c-fb0f-4b3c-b503-4798eda091f2_1672x941.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!AzVv!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F7cb0f64c-fb0f-4b3c-b503-4798eda091f2_1672x941.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!AzVv!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F7cb0f64c-fb0f-4b3c-b503-4798eda091f2_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!AzVv!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F7cb0f64c-fb0f-4b3c-b503-4798eda091f2_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!AzVv!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F7cb0f64c-fb0f-4b3c-b503-4798eda091f2_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!AzVv!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F7cb0f64c-fb0f-4b3c-b503-4798eda091f2_1672x941.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!AzVv!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F7cb0f64c-fb0f-4b3c-b503-4798eda091f2_1672x941.png" width="1456" height="819" 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srcset="https://substackcdn.com/image/fetch/$s_!AzVv!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F7cb0f64c-fb0f-4b3c-b503-4798eda091f2_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!AzVv!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F7cb0f64c-fb0f-4b3c-b503-4798eda091f2_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!AzVv!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F7cb0f64c-fb0f-4b3c-b503-4798eda091f2_1672x941.png 1272w, https://substackcdn.com/image/fetch/$s_!AzVv!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F7cb0f64c-fb0f-4b3c-b503-4798eda091f2_1672x941.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p style="text-align: justify;"></p><div class="callout-block" data-callout="true"><p style="text-align: justify;"><strong>Plata</strong> dio el paso que faltaba para dejar de ser una promesa de expansi&#243;n regional y convertirse en una entidad financiera operativa en Colombia. La compa&#241;&#237;a <strong>recibi&#243; autorizaci&#243;n de funcionamiento de la Superintendencia Financiera de Colombia para operar como Plata S.A. Compa&#241;&#237;a de Financiamiento</strong>, lo que la coloca en la fase final de lanzamiento de servicios digitales en el pa&#237;s.</p></div><p style="text-align: justify;">La noticia no es solo la llegada de una fintech mexicana a otro mercado. La diferencia est&#225; en el tipo de avance regulatorio. En 2025, la Superintendencia Financiera hab&#237;a autorizado la constituci&#243;n de Plata S.A. Compa&#241;&#237;a de Financiamiento. Esa autorizaci&#243;n abr&#237;a la puerta a crear la entidad. La aprobaci&#243;n de funcionamiento comunicada ahora habilita el inicio de operaciones bajo supervisi&#243;n, despu&#233;s de un proceso de evaluaci&#243;n t&#233;cnica, legal y operativa.</p><p style="text-align: justify;">La expansi&#243;n llega respaldada por cifras que explican por qu&#233; el movimiento tiene lectura regional. Plata ha comunicado que cuenta con <strong>2,000 millones de d&#243;lares&#8230;</strong></p>
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   ]]></content:encoded></item><item><title><![CDATA[Pomelo lleva la emisión de tarjetas a una capa global en dólares y stablecoins]]></title><description><![CDATA[Pomelo lanz&#243; Global Card para emitir tarjetas Visa y Mastercard en m&#225;s de 150 pa&#237;ses con liquidaci&#243;n en USD o USDC.]]></description><link>https://www.fintechexpert.mx/p/pomelo-lleva-la-emision-de-tarjetas</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/pomelo-lleva-la-emision-de-tarjetas</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Mon, 06 Jul 2026 18:16:57 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!2792!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!2792!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!2792!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png 424w, https://substackcdn.com/image/fetch/$s_!2792!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png 848w, https://substackcdn.com/image/fetch/$s_!2792!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png 1272w, https://substackcdn.com/image/fetch/$s_!2792!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!2792!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png" width="1216" height="896" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:896,&quot;width&quot;:1216,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:1794743,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:&quot;https://www.fintechexpert.mx/i/205642524?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!2792!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png 424w, https://substackcdn.com/image/fetch/$s_!2792!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png 848w, https://substackcdn.com/image/fetch/$s_!2792!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png 1272w, https://substackcdn.com/image/fetch/$s_!2792!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4eee0bc1-9770-4223-aca5-0b3f55180cfa_1216x896.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/p/pomelo-lleva-la-emision-de-tarjetas?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Compartir&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/p/pomelo-lleva-la-emision-de-tarjetas?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Compartir</span></a></p><div class="callout-block" data-callout="true"><p style="text-align: justify;"><strong>Pomelo</strong> quiere convertir la emisi&#243;n de tarjetas en un producto menos local y m&#225;s programable. La fintech argentina de infraestructura financiera lanz&#243; <strong>Global Card</strong>, una soluci&#243;n B2B para que bancos, fintechs y empresas puedan emitir tarjetas <strong>Visa</strong> y <strong>Mastercard</strong> en m&#225;s de 150 pa&#237;ses mediante una sola integraci&#243;n.</p></div><p style="text-align: justify;">La propuesta apunta a resolver una fricci&#243;n conocida para compa&#241;&#237;as que operan en varios mercados: lanzar un programa de tarjetas suele exigir integraciones, operaciones, reglas de cumplimiento y relaciones locales pa&#237;s por pa&#237;s. Global Card intenta concentrar esa complejidad en una misma infraestructura, con emisi&#243;n de tarjetas virtuales y f&#237;sicas, BINs Visa y Mastercard, Apple Pay, Google Pay, tokenizaci&#243;n, gesti&#243;n de fraude, chargebacks, 3DS, log&#237;stica, dashboard operativo y liquidaci&#243;n unificada en USD o USDC.</p><p style="text-align: justify;">El punto relevante no es la aparici&#243;n de otra tarjeta vinculada a cripto. Pomelo no est&#225; lanzando un producto directo al consumidor final, sino <strong>infraestructura para que ot&#8230;</strong></p>
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   ]]></content:encoded></item><item><title><![CDATA[Reino Unido cambia el candado: stablecoins sistémicas podrán escalar, pero bajo control del banco central]]></title><description><![CDATA[Reino Unido sustituye l&#237;mites de tenencia por un guardrail de emisi&#243;n de 40,000 millones de libras para stablecoins sist&#233;micas y ajusta reglas de respaldo.]]></description><link>https://www.fintechexpert.mx/p/reino-unido-cambia-el-candado-stablecoins</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/reino-unido-cambia-el-candado-stablecoins</guid><dc:creator><![CDATA[Zalo Sánchez]]></dc:creator><pubDate>Tue, 23 Jun 2026 17:30:26 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!ooDS!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F79ba2fca-8138-4ef8-abaa-a2dc6d0bf336_1216x896.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a 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data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/79ba2fca-8138-4ef8-abaa-a2dc6d0bf336_1216x896.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:896,&quot;width&quot;:1216,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:211454,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:&quot;https://www.fintechexpert.mx/i/203251929?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F79ba2fca-8138-4ef8-abaa-a2dc6d0bf336_1216x896.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!ooDS!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F79ba2fca-8138-4ef8-abaa-a2dc6d0bf336_1216x896.png 424w, https://substackcdn.com/image/fetch/$s_!ooDS!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F79ba2fca-8138-4ef8-abaa-a2dc6d0bf336_1216x896.png 848w, https://substackcdn.com/image/fetch/$s_!ooDS!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F79ba2fca-8138-4ef8-abaa-a2dc6d0bf336_1216x896.png 1272w, https://substackcdn.com/image/fetch/$s_!ooDS!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F79ba2fca-8138-4ef8-abaa-a2dc6d0bf336_1216x896.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/p/reino-unido-cambia-el-candado-stablecoins?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Compartir&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/p/reino-unido-cambia-el-candado-stablecoins?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Compartir</span></a></p><div class="callout-block" data-callout="true"><p><span>Reino Unido acaba de enviar una se&#241;al regulatoria importante para el mercado global de stablecoins: el problema ya no es si pueden existir dentro del sistema financiero, sino </span><strong><span>bajo qu&#233; condiciones pueden crecer sin convertirse en una fuga desordenada de dep&#243;sitos bancarios o en una nueva fragilidad de pagos.</span></strong></p></div><p><span>El Bank of England public&#243; el 22 de junio de 2026 su declaraci&#243;n de pol&#237;tica y consulta sobre el </span><strong><span>Code of Practice para emisores de stablecoins sist&#233;micas denominadas en libra.</span></strong><span> El documento marca un cambio relevante frente a la consulta previa: en lugar de imponer l&#237;mites de tenencia por persona o empresa, el banco central propone un guardarrieles temporal de emisi&#243;n por producto, inicialmente de 40,000 millones de libras.</span></p><p><span>La decisi&#243;n busca equilibrar dos objetivos que suelen chocar. </span><strong><span>Por un lado, permitir que las stablecoins se desarrollen como dinero digital de pago</span></strong><span>, con uso potencial en servicios m&#225;s r&#225;pidos, baratos, flexibles, transfronterizos y programables. </span><strong><span>Por otro, evitar que una stablecoin sist&#233;mica drene dep&#243;sitos bancarios, debilite la provisi&#243;n de cr&#233;dito o genere riesgo de redenci&#243;n masiva.</span></strong></p><p><span>El cambio importa porque flexibiliza el acceso de usuarios. Bajo el esquema anterior, el l&#237;mite reca&#237;a directamente sobre cu&#225;nto pod&#237;an tener individuos o empresas. Bajo el nuevo modelo, el l&#237;mite se mueve al tama&#241;o agregado de cada stablecoin sist&#233;mica. Eso permite uso sin fricci&#243;n por parte de hogares y negocios, pero mantiene una barrera macroprudencial sobre la escala total del instrumento.</span></p><p><span>El Bank of England tambi&#233;n ajust&#243; el dise&#241;o econ&#243;mico del respaldo. Los emisores podr&#225;n mantener hasta 70% de los activos de respaldo en deuda p&#250;blica brit&#225;nica de corto plazo, con vencimiento residual de hasta seis meses, y el resto en dep&#243;sitos en el banco central. En la consulta previa, la mezcla era 60% deuda p&#250;blica y 40% dep&#243;sitos no remunerados en el banco central.</span></p><p><span>Ese cambio mejora la viabilidad del modelo de negocio, porque permite generar rendimiento sobre una mayor parte del respaldo. Pero no convierte a las stablecoins en dep&#243;sitos bancarios. El banco central mantiene exigencias de respaldo 1:1, activos l&#237;quidos, redenci&#243;n en 24 horas, reservas de riesgo financiero, reservas de wind-down y mecanismos de trust para proteger a los tenedores si el emisor falla.</span></p><p><span>La frontera con la banca comercial sigue siendo deliberada. El Bank of England no abrir&#225;, como regla general, el respaldo a dep&#243;sitos en bancos comerciales, por considerar que esa estructura puede aumentar interconexiones, crear dependencia entre emisores y bancos de salvaguarda y amplificar tensiones de liquidez en escenarios de estr&#233;s.</span></p><div class="callout-block" data-callout="true"><p><span>Para M&#233;xico y Am&#233;rica Latina, la relevancia no est&#225; en la cifra de 40,000 millones de libras ni en copiar el marco brit&#225;nico. Est&#225; en la arquitectura regulatoria que empieza a emerger: </span><strong><span>las stablecoins de pago dejan de tratarse s&#243;lo como criptoactivos y empiezan a regularse como infraestructura monetaria privada, con controles de escala, liquidez, custodia, redenci&#243;n y continuidad operativa.</span></strong></p></div><p><span>La comparaci&#243;n con Estados Unidos es inevitable. </span><strong><span>Mientras el GENIUS Act acerca a los emisores permitidos de stablecoins al lenguaje bancario, AML y de identificaci&#243;n de clientes, Reino Unido est&#225; afinando el per&#237;metro de estabilidad financiera para stablecoins que puedan volverse sist&#233;micas en pagos.</span></strong><span> Ambos movimientos reducen la zona gris: stablecoins s&#237;, pero con reglas m&#225;s parecidas a infraestructura financiera cr&#237;tica que a experimentos perif&#233;ricos de cripto.</span></p><div class="callout-block" data-callout="true"><p><span>El mensaje de fondo es  que la pr&#243;xima etapa de las stablecoins no se definir&#225; s&#243;lo por adopci&#243;n, velocidad o costos de transferencia. </span><strong><span>Se definir&#225; por qui&#233;n puede sostener confianza en momentos de estr&#233;s, devolver valor a la par, separar activos, responder ante supervisores y demostrar que la innovaci&#243;n en pagos no rompe el cr&#233;dito ni la estabilidad del sistema.</span></strong></p></div><p><strong><sub><span>Fuentes: </span></sub></strong><sub><span>Bank of England, </span>HM Treasury, Financial Times</sub></p>]]></content:encoded></item><item><title><![CDATA[EE.UU. acerca las stablecoins a la banca con reglas de identificación de clientes]]></title><description><![CDATA[FinCEN, Fed, OCC, FDIC y NCUA propusieron reglas de identificaci&#243;n de clientes para emisores permitidos de stablecoins bajo el GENIUS Act. La medida puede impactar pagos, remesas y ramps en d&#243;lares digitales.]]></description><link>https://www.fintechexpert.mx/p/eeuu-acerca-las-stablecoins-a-la</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/eeuu-acerca-las-stablecoins-a-la</guid><dc:creator><![CDATA[Zalo Sánchez]]></dc:creator><pubDate>Mon, 22 Jun 2026 06:21:46 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!r2T1!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3d092943-7968-4760-8eb2-8394b3f205f9_1216x896.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!r2T1!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3d092943-7968-4760-8eb2-8394b3f205f9_1216x896.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!r2T1!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3d092943-7968-4760-8eb2-8394b3f205f9_1216x896.png 424w, https://substackcdn.com/image/fetch/$s_!r2T1!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3d092943-7968-4760-8eb2-8394b3f205f9_1216x896.png 848w, https://substackcdn.com/image/fetch/$s_!r2T1!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3d092943-7968-4760-8eb2-8394b3f205f9_1216x896.png 1272w, https://substackcdn.com/image/fetch/$s_!r2T1!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3d092943-7968-4760-8eb2-8394b3f205f9_1216x896.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!r2T1!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3d092943-7968-4760-8eb2-8394b3f205f9_1216x896.png" width="1216" height="896" 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srcset="https://substackcdn.com/image/fetch/$s_!r2T1!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3d092943-7968-4760-8eb2-8394b3f205f9_1216x896.png 424w, https://substackcdn.com/image/fetch/$s_!r2T1!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3d092943-7968-4760-8eb2-8394b3f205f9_1216x896.png 848w, https://substackcdn.com/image/fetch/$s_!r2T1!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3d092943-7968-4760-8eb2-8394b3f205f9_1216x896.png 1272w, https://substackcdn.com/image/fetch/$s_!r2T1!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3d092943-7968-4760-8eb2-8394b3f205f9_1216x896.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/p/eeuu-acerca-las-stablecoins-a-la?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Compartir&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/p/eeuu-acerca-las-stablecoins-a-la?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Compartir</span></a></p><div class="callout-block" data-callout="true"><p style="text-align: justify;"><strong><span>Estados Unidos est&#225; llevando las stablecoins a una fase menos experimental y m&#225;s bancaria.</span></strong><span> FinCEN, junto con la Reserva Federal, OCC, FDIC y NCUA, propuso reglas para que los emisores permitidos de stablecoins mantengan </span><strong><span>programas efectivos de identificaci&#243;n de clientes bajo el marco del GENIUS Act</span></strong><span>.</span></p></div><p style="text-align: justify;"><span>La propuesta importa porque formaliza una idea con consecuencias operativas: los &#8220;permitted payment stablecoin issuers&#8221; ser&#237;an tratados como instituciones financieras bajo el Bank Secrecy Act. </span><strong><span>En la pr&#225;ctica, eso significa que emitir una stablecoin regulada no s&#243;lo exige reservas, redenci&#243;n y gobierno prudencial. Tambi&#233;n exige conocer al cliente, verificar identidad y sostener controles contra lavado, financiamiento il&#237;cito y sanciones.</span></strong></p><p style="text-align: justify;"><span>El fact sheet de FinCEN detalla que el emisor tendr&#237;a que obtener nombre, fecha de nacimiento o formaci&#243;n, domicilio e identificaci&#243;n antes de abrir una cuenta. Tambi&#233;n debe contar con procedimientos razonables para verificar identidad, por medios documentales&#8230;</span></p>
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   ]]></content:encoded></item><item><title><![CDATA[FinCEN lleva el control migratorio al sistema financiero y abre una nueva fricción para las remesas a México]]></title><description><![CDATA[La orden ejecutiva de Trump y la gu&#237;a de FinCEN no bloquean remesas, pero elevan la fricci&#243;n de KYC, ITIN y cumplimiento en el corredor M&#233;xico-EU.]]></description><link>https://www.fintechexpert.mx/p/fincen-trump-remesas-mexico-eu-kyc-itin</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/fincen-trump-remesas-mexico-eu-kyc-itin</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Wed, 17 Jun 2026 14:15:14 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!Zjfc!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3b67f758-5df3-4203-b448-36830f1b970c_1216x896.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a 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srcset="https://substackcdn.com/image/fetch/$s_!Zjfc!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3b67f758-5df3-4203-b448-36830f1b970c_1216x896.png 424w, https://substackcdn.com/image/fetch/$s_!Zjfc!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3b67f758-5df3-4203-b448-36830f1b970c_1216x896.png 848w, https://substackcdn.com/image/fetch/$s_!Zjfc!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3b67f758-5df3-4203-b448-36830f1b970c_1216x896.png 1272w, https://substackcdn.com/image/fetch/$s_!Zjfc!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3b67f758-5df3-4203-b448-36830f1b970c_1216x896.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/p/fincen-trump-remesas-mexico-eu-kyc-itin?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Compartir&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/p/fincen-trump-remesas-mexico-eu-kyc-itin?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Compartir</span></a></p><div class="callout-block" data-callout="true"><p><span>El nuevo frente de riesgo para las remesas mexicanas no es un impuesto ni una prohibici&#243;n directa. Es la posibilidad de que el cumplimiento financiero en </span><strong><span>Estados Unido</span></strong><span>s empiece a incorporar, con m&#225;s fuerza, se&#241;ales vinculadas al estatus migratorio, el uso de </span><strong><span>ITIN</span></strong><span>, la identidad del cliente, el empleo irregular y las transferencias transfronterizas de bajo monto.</span></p></div><p><span>El  pasado 19 de mayo, </span><strong><a href="https://www.whitehouse.gov/presidential-actions/2026/05/restoring-integrity-to-americas-financial-system/"><span>la Casa Blanca emiti&#243; la orden ejecutiva Restoring Integrity to America&#8217;s Financial System.</span></a></strong><a href="https://www.whitehouse.gov/presidential-actions/2026/05/restoring-integrity-to-americas-financial-system/"><span> </span></a><span>El texto conecta servicios financieros b&#225;sicos, debida diligencia y transferencias internacionales de bajo valor con riesgos de seguridad p&#250;blica, narcotr&#225;fico, trata y lavado de dinero. Aunque no menciona una prohibici&#243;n general de remesas, s&#237; instruye al Tesoro y reguladores financieros a revisar reglas de identificaci&#243;n, beneficiarios y debida diligencia.</span></p><p><span>La se&#241;al se volvi&#243; m&#225;s operativa el 5 de junio, cuando </span><strong><a href="https://www.fincen.gov/system/files/2026-06/FinCEN-Advisory-Non-Work-Authorized-Populations.pdf"><span>FinCEN public&#243; una gu&#237;a conjunta sobre riesgos financieros asociados con poblaciones sin autorizaci&#243;n labo&#8230;</span></a></strong></p>
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   ]]></content:encoded></item><item><title><![CDATA[Pix deja de ser sólo pagos: Brasil defiende su infraestructura pública frente a EU]]></title><description><![CDATA[Febraban rechaz&#243; las cr&#237;ticas de USTR contra Pix; el conflicto muestra que los pagos instant&#225;neos p&#250;blicos ya son asunto de competencia, datos y soberan&#237;a financiera.]]></description><link>https://www.fintechexpert.mx/p/pix-brasil-eu-infraestructura-publica-pagos</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/pix-brasil-eu-infraestructura-publica-pagos</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Sun, 07 Jun 2026 17:18:40 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!O9tx!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F32683b62-dffb-4513-9e4d-2805aaf21f93_1024x608.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!O9tx!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F32683b62-dffb-4513-9e4d-2805aaf21f93_1024x608.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!O9tx!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F32683b62-dffb-4513-9e4d-2805aaf21f93_1024x608.png 424w, https://substackcdn.com/image/fetch/$s_!O9tx!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F32683b62-dffb-4513-9e4d-2805aaf21f93_1024x608.png 848w, 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https://substackcdn.com/image/fetch/$s_!O9tx!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F32683b62-dffb-4513-9e4d-2805aaf21f93_1024x608.png 848w, https://substackcdn.com/image/fetch/$s_!O9tx!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F32683b62-dffb-4513-9e4d-2805aaf21f93_1024x608.png 1272w, https://substackcdn.com/image/fetch/$s_!O9tx!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F32683b62-dffb-4513-9e4d-2805aaf21f93_1024x608.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/p/pix-brasil-eu-infraestructura-publica-pagos?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Compartir&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/p/pix-brasil-eu-infraestructura-publica-pagos?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Compartir</span></a></p><div class="callout-block" data-callout="true"><p><strong>Pix</strong> ya no es s&#243;lo el m&#233;todo de pago instant&#225;neo m&#225;s visible de Brasil. Se convirti&#243; en una pieza de disputa comercial y geopol&#237;tica. La Federaci&#243;n Brasile&#241;a de Bancos, <strong>Febraban</strong>, defendi&#243; el sistema frente a cr&#237;ticas de <strong>Estados Unidos</strong> y rechaz&#243; que funcione como barrera discriminatoria para empresas extranjeras.</p></div><p>La respuesta ocurre despu&#233;s de que la Oficina del Representante Comercial de Estados Unidos, USTR, determinara bajo la Secci&#243;n 301 que ciertas pr&#225;cticas de Brasil relacionadas con comercio digital y servicios de pago electr&#243;nico son irrazonables o discriminatorias y restringen el comercio estadounidense. En su documento de barreras comerciales, USTR tambi&#233;n se&#241;al&#243; preocupaci&#243;n por un supuesto trato preferencial del Banco Central de Brasil a Pix.</p><p>Febraban sostuvo que las conclusiones estadounidenses se basan en informaci&#243;n incompleta. <strong>La federaci&#243;n afirm&#243; que Pix no tiene fines comerciales, opera como infraestructura de pagos y fue creado para ampliar competencia entre institucion&#8230;</strong></p>
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   ]]></content:encoded></item><item><title><![CDATA[Mastercard abre liquidación con stablecoins]]></title><description><![CDATA[Mastercard permitir&#225; liquidaci&#243;n con stablecoins reguladas, intrad&#237;a y en fines de semana para emisores y adquirentes.]]></description><link>https://www.fintechexpert.mx/p/mastercard-liquidacion-stablecoins-pagos</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/mastercard-liquidacion-stablecoins-pagos</guid><dc:creator><![CDATA[FintechExpert]]></dc:creator><pubDate>Thu, 04 Jun 2026 05:06:01 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!KPoQ!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!KPoQ!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!KPoQ!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp 424w, https://substackcdn.com/image/fetch/$s_!KPoQ!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp 848w, https://substackcdn.com/image/fetch/$s_!KPoQ!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp 1272w, https://substackcdn.com/image/fetch/$s_!KPoQ!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!KPoQ!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp" width="1456" height="644" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:644,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:1718594,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/webp&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:&quot;https://www.fintechexpert.mx/i/200566249?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!KPoQ!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp 424w, https://substackcdn.com/image/fetch/$s_!KPoQ!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp 848w, https://substackcdn.com/image/fetch/$s_!KPoQ!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp 1272w, https://substackcdn.com/image/fetch/$s_!KPoQ!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F552bb76a-b425-4f7a-a25b-67a81941e0ea_2938x1300.webp 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image buttonBase-GK1x3M"><svg aria-hidden="true" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg" class="icon-noB79L"><g><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image buttonBase-GK1x3M"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2 icon-noB79L"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/subscribe?&quot;,&quot;text&quot;:&quot;Suscr&#237;bete ahora&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/subscribe?"><span>Suscr&#237;bete ahora</span></a></p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/p/mastercard-liquidacion-stablecoins-pagos?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Compartir&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/p/mastercard-liquidacion-stablecoins-pagos?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Compartir</span></a></p><div class="callout-block" data-callout="true"><p><strong>Mastercard anunci&#243; una ampliaci&#243;n de sus capacidades de liquidaci&#243;n</strong> para permitir a emisores y adquirentes liquidar operaciones con m&#225;s flexibilidad, incluyendo opciones intrad&#237;a, en fines de semana, d&#237;as festivos y, en ciertos casos, <strong>mediante stablecoins reguladas.</strong></p></div><p>El movimiento no convierte a Mastercard en una empresa cripto. La lectura relevante es otra: una de las principales redes globales de pagos est&#225; incorporando activos digitales regulados como una opci&#243;n operativa dentro de su infraestructura tradicional de liquidaci&#243;n. Eso puede alterar la forma en que bancos, adquirentes, procesadores y comercios administran liquidez, especialmente en pagos transfronterizos, tesorer&#237;a corporativa y desembolsos donde el tiempo de liquidaci&#243;n importa.</p><p>La compa&#241;&#237;a dijo que estas <strong>nuevas capacidades permitir&#225;n operar tanto con monedas fiat como con liquidaci&#243;n on-chain para transacciones con tarjeta.</strong> La promesa es dar m&#225;s opciones sobre c&#243;mo y cu&#225;ndo se mueve el dinero dentro de la red Mastercard&#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[Mouro Capital levanta fondo de $400 MDD]]></title><description><![CDATA[Mouro Capital, el brazo de VC de Santander, cierra su tercer fondo de $400 MDD. An&#225;lisis sobre su tesis de inversi&#243;n B2B y relevancia para LATAM.]]></description><link>https://www.fintechexpert.mx/p/mouro-capital-fund-iii-400-mdd-ia</link><guid isPermaLink="false">https://www.fintechexpert.mx/p/mouro-capital-fund-iii-400-mdd-ia</guid><dc:creator><![CDATA[Zalo Sánchez]]></dc:creator><pubDate>Tue, 26 May 2026 14:36:55 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!TzoY!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4b1411a5-60e6-4aff-bed3-780de3b05e46_1672x941.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!TzoY!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4b1411a5-60e6-4aff-bed3-780de3b05e46_1672x941.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!TzoY!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4b1411a5-60e6-4aff-bed3-780de3b05e46_1672x941.png 424w, https://substackcdn.com/image/fetch/$s_!TzoY!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4b1411a5-60e6-4aff-bed3-780de3b05e46_1672x941.png 848w, https://substackcdn.com/image/fetch/$s_!TzoY!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4b1411a5-60e6-4aff-bed3-780de3b05e46_1672x941.png 1272w, 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data-attrs="{&quot;url&quot;:&quot;https://www.fintechexpert.mx/p/mouro-capital-fund-iii-400-mdd-ia?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Compartir&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.fintechexpert.mx/p/mouro-capital-fund-iii-400-mdd-ia?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Compartir</span></a></p><div class="pullquote"><p>El costo operativo para lanzar una empresa financiera se desplom&#243;. Equipos reducidos hoy alcanzan m&#233;tricas de ingresos en meses, atacando problemas que hace apenas cinco a&#241;os requer&#237;an levantamientos de capital masivos y plantillas de cientos de empleados. Bajo esta realidad t&#233;cnica, <strong>Mouro Capital</strong> cerr&#243; su tercer fondo por <strong>$400 millones de d&#243;lares</strong>, fondeado en su totalidad por <strong>Banco Santander.</strong></p></div><p>Con este nuevo veh&#237;culo, la firma con base en Londres, Madrid y San Francisco rebasa la barrera de los $1,000 millones de d&#243;lares en compromisos de capital desde su origen en 2015. El peso de este anuncio recae en su historial: Mouro promedia un retorno de capital invertido de 4x a trav&#233;s de 26 salidas, ubic&#225;ndose hist&#243;ricamente en el decil superior de los administradores de capital de riesgo a nivel global.</p><p>M&#225;s all&#225; del tama&#241;o del cheque, el movimiento de Mouro se&#241;ala la direcci&#243;n del capital institucional. La firma dirige su atenci&#243;n a la infraestructura dura del sistema financiero, priorizando &#8230;</p>
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