Stablecoin de pago (GENIUS Act)
Una payment stablecoin (stablecoin de pago) es el término de la GENIUS Act para un activo digital que se usa, o está diseñado para usarse, como medio de pago o de liquidación, cuyo emisor está obligado a convertirlo, reembolsarlo o recomprarlo por un importe fijo de valor monetario y declara que mantendrá un valor estable en relación con ese importe. La definición excluye las monedas nacionales, los depósitos y los valores. Los emisores no pueden pagar a los tenedores intereses ni rendimiento únicamente por mantenerla, usarla o conservarla.
Lo que dicen las fuentes
| Fuente | Cita | Enlace |
|---|---|---|
| GENIUS Act, sec. 2(22)(A): definición | "(22) Payment stablecoin.--The term “payment stablecoin”-- (A) means a digital asset-- (i) that is, or is designed to be, used as a means of payment or settlement; and (ii) the issuer of which-- (I) is obligated to convert, redeem, or repurchase for a fixed amount of monetary value, not including a digital asset denominated in a fixed amount of monetary value; and (II) represents that such issuer will maintain, or create the reasonable expectation that it will maintain, a stable value relative to the value of a fixed amount of monetary value; and" | govinfo.gov |
| GENIUS Act, sec. 2(22)(B)(i): excluye la moneda nacional | "(B) does not include a digital asset that-- (i) is a national currency;" | govinfo.gov |
| GENIUS Act, sec. 2(22)(B)(ii): excluye los depósitos | "(ii) is a deposit (as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813)), including a deposit recorded using distributed ledger technology; or" | govinfo.gov |
| GENIUS Act, sec. 2(22)(B)(iii): excluye los valores | "(iii) is a security, as defined in section 2 of the Securities Act of 1933 (15 U.S.C. 77b), section 3 of the Securities Exchange Act of 1934 (15 U.S.C. 78c), or section 2 of the Investment Company Act of 1940 (15 U.S.C. 80a-2)" | govinfo.gov |
| GENIUS Act, sec. 4(a)(11): sin intereses ni rendimiento | "No permitted payment stablecoin issuer or foreign payment stablecoin issuer shall pay the holder of any payment stablecoin any form of interest or yield (whether in cash, tokens, or other consideration) solely in connection with the holding, use, or retention of such payment stablecoin." | govinfo.gov |
| Comunicado de prensa del Tesoro de EE. UU. (17 de agosto de 2026): requisito de licencia | "Beginning on January 18, 2027, the expected effective date of the GENIUS Act, a person generally may not “issue a payment stablecoin in the United States” unless the person has obtained an appropriate federal or state license." | home.treasury.gov |
Las citas se reproducen en su idioma original.
Términos relacionados
- Stablecoin
- Token de dinero electrónico (EMT, MiCA)
- Stablecoin con rendimiento
- Incumplimiento / insolvencia del emisor
- Seguro de depósitos
Véase también
Contrastado con las fuentes el 2026-11-01.
Fuentes
- https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm
- https://home.treasury.gov/news/press-releases/sb0605
Citar como: Stablecoin de pago (GENIUS Act), achivx.org, https://achivx.org/es/glossary/payment-stablecoin/, a fecha de 2026-11-05, CC BY 4.0