La banca y las criptomonedas
Principales resultados
¿Las criptomonedas han llegado para quedarse?
El sector financiero está apostando cada vez más por las aplicaciones de criptomonedas y por la tecnología blockchain que las sustenta. Algunos expertos estiman que el empleo de esta tecnología podría eliminar alrededor del 30 % de los costos de infraestructura de los bancos de inversión.
Gestión y control
Por iniciativa europea se ha empezado a trabajar en la regulación coordinada de los criptoactivos a nivel global, la mejora de los niveles de transparencia y el establecimiento de nuevos estándares y códigos de conducta para la publicación de información y la generación de informes.
¿Deben entrar los bancos en el mercado de criptoactivos?
¿Cómo deben posicionarse las entidades financieras en este nuevo entorno en el que las criptomonedas ganan en legitimidad y por qué mercados tienen que apostar?
FAQ: Crypto, Regulation & Financial Services
How can cryptocurrencies improve financial inclusion?
Cryptocurrencies can improve financial inclusion by enabling low‑cost, mobile‑based payments for people who struggle to access traditional banking services.
In regions where high fees and limited infrastructure create barriers, crypto allows users to send remittances and make payments using only a phone and internet connection. Adoption rates in countries like South Africa and Kenya already show how crypto can function as a quasi‑banking system for marginalized populations.
For a deeper look at the economic and social implications, download the full Thought Leadership report.
Why is the crypto market often described as volatile or a “Wild West”?
The crypto market is seen as highly volatile due to extreme price swings, speculative demand, and the collapse of major crypto projects, such as TerraUSD and Luna.
Regulators have called the sector a “Wild West” because rapid growth, insufficient oversight, and high‑profile failures create systemic risk concerns. This instability has triggered global discussions about coordinated regulation, taxation, and transparency standards..
To explore volatility drivers and emerging regulatory frameworks, download the full report.
How should banks adapt to the rise of cryptocurrencies?
Banks should adapt by defining their strategic role along the crypto value chain and aligning risk appetite with evolving regulation. Options include custody services, crypto trading, tokenization, or providing digital wallets - each requiring strong governance, compliance, and cybersecurity.
Institutions must also update IT infrastructure for blockchain connectivity, KYC/AML compliance, and resilience against emerging threats. Leading banks like JPMorgan and Goldman Sachs are already developing or offering digital asset services.
For detailed operating models, download the full Thought Leadership.
