{"id":5155,"date":"2023-08-25T06:45:22","date_gmt":"2023-08-25T09:45:22","guid":{"rendered":"https:\/\/nogoyatimes.com\/?p=5155"},"modified":"2023-08-25T06:45:22","modified_gmt":"2023-08-25T09:45:22","slug":"billeteras-virtuales-deberan-pagar-a-clientes-la-rentabilidad-de-sus-depositos","status":"publish","type":"post","link":"https:\/\/nogoyatimes.com\/?p=5155","title":{"rendered":"Billeteras virtuales deber\u00e1n pagar a clientes la rentabilidad de sus dep\u00f3sitos"},"content":{"rendered":"

Medida del Banco Central<\/h2>\n
\n
La medida alcanza a los fondos depositados en las billeteras que por la decisi\u00f3n de los clientes no est\u00e1n invertidos. A la determinaci\u00f3n la tom\u00f3 el Directorio del Banco Central de la Rep\u00fablica Argentina.<\/section>\n<\/header>\n
<\/div>\n
Las billeteras virtuales\u00a0deber\u00e1n distribuir a sus clientes toda la rentabilidad que obtengan por los saldos en “cuentas de dep\u00f3sito”<\/b>, es decir, el dinero que por decisi\u00f3n de los propios usuarios no est\u00e1 invertido en fondos comunes de inversi\u00f3n.<\/p>\n

La decisi\u00f3n fue adoptada por el Banco Central (BCRA) y comprende a las empresas proveedoras de servicios de pagos, com\u00fanmente denominadas “billeteras virtuales”, como son los casos de\u00a0Mercado Pago, Ual\u00e1, Naranja X, Personal Pay y Prex, entre otras<\/b>.<\/p>\n

La medida alcanza a los\u00a0fondos depositados en las billeteras que por la decisi\u00f3n de los clientes no est\u00e1n invertidos<\/b>.<\/p>\n

“De este modo,\u00a0las personas que tengan su dinero en las cuentas de pago obtendr\u00e1n un rendimiento que deber\u00e1 ser devengado peri\u00f3dicamente<\/b>“, detall\u00f3 la autoridad monetaria en un comunicado.<\/p>\n

Seg\u00fan datos del \u00faltimo Informe de Pagos Minoristas elaborado por el BCRA, el saldo depositado en este tipo de cuentas que brindan los proveedores de servicios de pago es de $ 121.000 millones.<\/p>\n

Desde el 30 de diciembre de 2021 que las billeteras tienen la obligaci\u00f3n de tener encajado el 100% de los dep\u00f3sitos de las cuentas a la vista de las entidades financieras para “preservarlos de contingencias y garantizar su disponibilidad”.<\/p>\n

Sin embargo, las empresas tienen la posibilidad de integrar el 45% de ese total en Bonos del Tesoro Nacional en pesos, rentabilidad que ahora el BCRA obligar\u00e1 a las empresas a distribuir entre sus clientes.<\/p>\n

En su momento, el Central hab\u00eda asegurado que la medida otorgaba “mayor transparencia y seguridad” a las cuentas y que no alcanzaba a las cuentas de inversi\u00f3n que habilitan las billeteras y que permiten obtener una rentabilidad por los fondos depositados.<\/p>\n

La C\u00e1mara Argentina de Fintech rechaz\u00f3 por aquel entonces la medida por considerarla una “decisi\u00f3n intempestiva” que afectar\u00eda “seriamente a un sector que ha sido elegido por millones de usuarios, por su oferta de servicios simple, segura y diversificada”.<\/p>\n

“No logra advertirse el fundamento t\u00e9cnico de esta medida que afectar\u00e1 directamente la gratuidad en el otorgamiento y mantenimiento de cuentas, en la emisi\u00f3n y reposici\u00f3n de tarjetas, en las transferencias entrantes y salientes, y muchos otros servicios ofrecidos por las empresas en cuesti\u00f3n”, sostuvo la c\u00e1mara que nuclea a las empresas fintech de la Argentina.<\/p>\n

Las billeteras virtuales tienen dos formas de captar ahorros de sus clientes: las cuentas de inversi\u00f3n, en las que los fondos que recaudan son invertidos y distribuidos entre sus ahorristas parte de la rentabilidad, y las cuentas transaccionales, aquellas en la que los ahorristas cargan las billeteras para utilizarla como medio de pago sin esperar una retribuci\u00f3n.<\/p>\n

Poco despu\u00e9s de que el BCRA diera a conocer la disposici\u00f3n, la empresa Mercado Pago sostuvo que “reduce los incentivos a invertir”.<\/p>\n

Tambi\u00e9n la calific\u00f3 como “parte de un hostigamiento contra la industria fintech y Mercado Pago”. Fuente: El Once<\/p><\/div>\n

<\/div>\n
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Medida del Banco Central La medida alcanza a los fondos depositados en las billeteras que por la decisi\u00f3n de los clientes no est\u00e1n invertidos. A la determinaci\u00f3n la tom\u00f3 el Directorio del Banco Central de la Rep\u00fablica Argentina. Las billeteras…<\/p>\n","protected":false},"author":2,"featured_media":5156,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-5155","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"\nBilleteras virtuales deber\u00e1n pagar a clientes la rentabilidad de sus dep\u00f3sitos - Nogoy\u00e1 Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nogoyatimes.com\/?p=5155\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Billeteras virtuales deber\u00e1n pagar a clientes la rentabilidad de sus dep\u00f3sitos - Nogoy\u00e1 Times\" \/>\n<meta property=\"og:description\" content=\"Medida del Banco Central La medida alcanza a los fondos depositados en las billeteras que por la decisi\u00f3n de los clientes no est\u00e1n invertidos. 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