$\"\"$

Muchas gracias a mis sponsors por hacer el podcast posible: Escucha el podcast en Fountain, Youtube, Spotify, Apple Podcast, Ivoox

¿Cómo viaja el dinero?, ¿te has parado a pensarlo?

Más allá de las discusiones sobre las CBDCs hay una guerra subterránea entre países para conseguir establecer nuevos sistemas de pago que superen a cosas como SWIFT, VISA o Mastercard. El proyecto Agorá del BIS es buena muestra de ello, y siempre que se sientan a discutir aparece un modelo que quieren replicar: el del Banco Central de Brasil y su PIX.

En el podcast de hoy me siento a charlar con Nicolás Bourbon sobre qué es y cómo funciona PIX. Un episodio para conocer la guerra por el control de los pagos que viene.

Agradecimientos

$\"\"$

Apoyo

Muchas gracias a mis sponsors por hacer el podcast posible: Escucha el podcast en Fountain, Youtube, Spotify, Apple Podcast, Ivoox

Minutaje

$\"\"$

0:00:00 Cómo funcionan pagos Internacionales

0:05:53 Introducción

0:07:37 Nico Bourboni y KamiPay

0:13:32 Sistemas de pago

0:17:08 La batalla por el sistema de pagos del futuro

0:18:36 ¿Qué es Pix y Real Time Payments Systems (RTPS)?

0:26:11 Bizum

0:27:29 Tipos de pagos

0:28:58 Cámara de compensación

0:33:52 Las capas de dinero que usan los ciudadanos

0:40:06 ¿En qué capas se mueve Pix?

0:45:38 Quién es el dueño de los canales de pago

0:50:30 Monopolio del banco central

0:52:41 La revolución de la "open finance"

0:55:00 El éxito de Visa y Mastercard con las tarjetas

0:58:26 El caso argentino

1:01:11 Transferencias 3.0

1:03:39 El caso de MercadoPago y los QR

1:08:07 Los "alias"

1:11:16 Nuevos métodos vs. tarjeta

1:19:27 El proyecto Ágora: ¿Pix mundial?

1:24:21 Costes de Pix

1:28:37 "El momento Kodak" de las tarjetas

1:32:21 El flujo de un pago en KamiPay

1:36:51 Las tarjetas crypto

1:39:17 La importancia de diversificar

1:41:59 CBDC vs. Pix

1:44:00 La estandarización de los QR como ventaja para el futuro de Bitcoin

1:45:23 Burocracia en métodos de pago

1:47:38 El Estado como competencia desleal

1:50:25 Bitcoin o Banco Central

1:54:05 Pix: ¿el Banco Central que funciona bien?

1:55:28 El apagón de España

","enableWebSigning","https://ui-with-state-machines.hyper.media","origin","homeMetadata",{"_404":1322,"_896":1318},"UI with State Machines","originHomeId",{"_424":1325,"_43":1326,"_396":1327,"_391":-5,"_426":-5,"_427":-5,"_428":-5,"_429":-5},"z6MkhBiheioCs7btwVLUcnSCcFPdhTGGHSHpR4SHTyAobUUp","hm://z6MkhBiheioCs7btwVLUcnSCcFPdhTGGHSHpR4SHTyAobUUp",[],"meta",{"_1330":1331,"_1435":1436},"values",{"_1332":1333,"_1335":1336,"_1337":1338,"_1339":1340,"_1342":1343,"_1344":1345,"_1346":1347,"_1349":1350,"_1351":1352,"_1353":1354,"_1355":1356,"_1357":1358,"_1359":1360,"_1361":1362,"_1363":1364,"_1365":1366,"_1367":1368,"_1369":1370,"_1371":1372,"_1373":1374,"_1375":1376,"_1377":1378,"_1379":1380,"_1381":1382,"_1383":1384,"_1385":1386,"_1387":1388,"_1389":1390,"_1391":1392,"_1393":1394,"_1395":1396,"_1397":1398,"_1399":1400,"_1401":1402,"_1403":1404,"_1405":1406,"_1407":1408,"_1409":1410,"_1411":1412,"_1413":1414,"_1415":1416,"_1417":1418,"_1419":1420,"_1421":1422,"_1423":1424,"_1425":1426,"_1427":1428,"_1429":1430,"_1431":1432,"_1433":1434},"document.generationInfo.generation",[1334],"bigint","dehydratedState.queries.0.state.data.document.generationInfo.generation",[1334],"dehydratedState.queries.1.state.data.document.generationInfo.generation",[1334],"dehydratedState.queries.1.queryKey.2",[1341],"undefined","dehydratedState.queries.2.state.data.0.createTime.seconds",[1334],"dehydratedState.queries.2.state.data.0.updateTime.seconds",[1334],"dehydratedState.queries.2.state.data.0.sortTime",[1348],"Date","dehydratedState.queries.2.state.data.0.activitySummary.latestCommentTime",[1341],"dehydratedState.queries.2.state.data.0.activitySummary.latestChangeTime.seconds",[1334],"dehydratedState.queries.2.state.data.0.generationInfo.generation",[1334],"dehydratedState.queries.2.state.data.0.redirectInfo",[1341],"dehydratedState.queries.2.state.data.1.createTime.seconds",[1334],"dehydratedState.queries.2.state.data.1.updateTime.seconds",[1334],"dehydratedState.queries.2.state.data.1.sortTime",[1348],"dehydratedState.queries.2.state.data.1.activitySummary.latestCommentTime",[1341],"dehydratedState.queries.2.state.data.1.activitySummary.latestChangeTime.seconds",[1334],"dehydratedState.queries.2.state.data.1.generationInfo.generation",[1334],"dehydratedState.queries.2.state.data.1.redirectInfo",[1341],"dehydratedState.queries.2.state.data.2.createTime.seconds",[1334],"dehydratedState.queries.2.state.data.2.updateTime.seconds",[1334],"dehydratedState.queries.2.state.data.2.sortTime",[1348],"dehydratedState.queries.2.state.data.2.activitySummary.latestCommentTime",[1341],"dehydratedState.queries.2.state.data.2.activitySummary.latestChangeTime.seconds",[1334],"dehydratedState.queries.2.state.data.2.generationInfo.generation",[1334],"dehydratedState.queries.2.state.data.2.redirectInfo",[1341],"dehydratedState.queries.2.state.data.3.createTime.seconds",[1334],"dehydratedState.queries.2.state.data.3.updateTime.seconds",[1334],"dehydratedState.queries.2.state.data.3.sortTime",[1348],"dehydratedState.queries.2.state.data.3.activitySummary.latestCommentTime",[1341],"dehydratedState.queries.2.state.data.3.activitySummary.latestChangeTime.seconds",[1334],"dehydratedState.queries.2.state.data.3.generationInfo.generation",[1334],"dehydratedState.queries.2.state.data.3.redirectInfo",[1341],"dehydratedState.queries.2.state.data.4.createTime.seconds",[1334],"dehydratedState.queries.2.state.data.4.updateTime.seconds",[1334],"dehydratedState.queries.2.state.data.4.sortTime",[1348],"dehydratedState.queries.2.state.data.4.activitySummary.latestCommentTime",[1341],"dehydratedState.queries.2.state.data.4.activitySummary.latestChangeTime.seconds",[1334],"dehydratedState.queries.2.state.data.4.generationInfo.generation",[1334],"dehydratedState.queries.2.state.data.4.redirectInfo",[1341],"dehydratedState.queries.2.state.data.5.createTime.seconds",[1334],"dehydratedState.queries.2.state.data.5.updateTime.seconds",[1334],"dehydratedState.queries.2.state.data.5.sortTime",[1348],"dehydratedState.queries.2.state.data.5.activitySummary.latestCommentTime",[1341],"dehydratedState.queries.2.state.data.5.activitySummary.latestChangeTime.seconds",[1334],"dehydratedState.queries.2.state.data.5.generationInfo.generation",[1334],"dehydratedState.queries.2.state.data.5.redirectInfo",[1341],"dehydratedState.queries.5.state.data.document.generationInfo.generation",[1334],"dehydratedState.queries.5.queryKey.2",[1341],"dehydratedState.queries.6.state.data.document.generationInfo.generation",[1334],"dehydratedState.queries.7.state.data.metadata.summary",[1341],"referentialEqualities",{"_1332":1437,"_1337":1438,"_1344":1439,"_1359":1440,"_1367":1441,"_1373":1442,"_1387":1443,"_1401":1444,"_1415":1445},[1335],[1353,1427],[1351],[1365],[1431],[1379],[1393],[1407],[1421],"actionData","errors"]

Links

Agradecimientos

Minutaje