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¿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

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Apoyo

Minutaje

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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

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Links

Agradecimientos

Minutaje