{"id":6454,"date":"2025-09-07T16:22:52","date_gmt":"2025-09-07T20:22:52","guid":{"rendered":"https:\/\/revistacampus.uandes.cl\/2025\/?p=6454"},"modified":"2025-09-22T09:49:52","modified_gmt":"2025-09-22T13:49:52","slug":"criptoactivos-y-regulacion","status":"publish","type":"post","link":"https:\/\/revistacampus.uandes.cl\/2025\/criptoactivos-y-regulacion\/","title":{"rendered":"Criptoactivos y regulaci\u00f3n: Los desaf\u00edos que enfrenta Chile"},"content":{"rendered":"\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Desde la irrupci\u00f3n de criptomonedas como&nbsp;<em>Bitcoin&nbsp;<\/em>y&nbsp;<em>Ethereum<\/em>, el mundo financiero ha experimentado una gran transformaci\u00f3n. Este fen\u00f3meno no solo revoluciona los mercados, tambi\u00e9n plantea retos para los marcos legales, tributarios y financieros tradicionales.<\/p>\n\n\n\n<p>Las criptomonedas, resume&nbsp;<strong><a href=\"https:\/\/www.uandes.cl\/personas\/andres-mella-barahona\/\" target=\"_blank\" rel=\"noreferrer noopener\">Javier Mella<\/a><\/strong>,&nbsp;acad\u00e9mico de la <a href=\"https:\/\/www.uandes.cl\/universidad\/facultades\/facultad-ingenieria\/\" target=\"_blank\" rel=\"noreferrer noopener\">Facultad de Ingenier\u00eda y Ciencias Aplicadas<\/a>, \u201cson activos o monedas digitales descentralizadas que utilizan criptograf\u00eda y tecnolog\u00eda&nbsp;<em><a href=\"https:\/\/obtienearchivo.bcn.cl\/obtienearchivo?id=repositorio%2F10221%2F33444%2F2%2FBCN_Criptomonedas_y_blockchain_2022.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">blockchain&nbsp;<\/a><\/em>para garantizar la seguridad en las transacciones. A diferencia de las monedas oficiales, no tienen el respaldo de un banco central o una autoridad centralizada\u201d.<\/p>\n\n\n\n<p>Actualmente existen m\u00e1s de 10 mil criptomonedas, con un mercado valorado en m\u00e1s de US$ 3 trillones. Sin embargo, \u201cuna mayor\u00eda tiene poca importancia, transacciones bajas y suelen ser muy especulativas. Por otro lado, las de mayor valor, como el&nbsp;<em>Bitcoin<\/em>,&nbsp;se est\u00e1n consolidando, us\u00e1ndose cada vez m\u00e1s\u201d, explica el&nbsp;<em>Ph.D. in Business Administration-Finance<\/em>&nbsp;por McMaster University.<\/p>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-4e5979b\" data-block-id=\"4e5979b\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-4e5979b-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-303f917\" data-v=\"4\" data-block-id=\"303f917\"><style>.stk-303f917 {align-self:center !important;}@media screen and (min-width: 768px){.stk-303f917 {flex:var(--stk-flex-grow, 1) 1 calc(17.999999999999996% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-303f917-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-303f917-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-179ccf8\" data-block-id=\"179ccf8\"><style>.stk-179ccf8 {border-top-left-radius:var(--stk--preset--border-radius--large, 16px) !important;border-top-right-radius:var(--stk--preset--border-radius--large, 16px) !important;border-bottom-right-radius:var(--stk--preset--border-radius--large, 16px) !important;border-bottom-left-radius:var(--stk--preset--border-radius--large, 16px) !important;overflow:hidden !important;}.stk-179ccf8 .stk-img-wrapper{aspect-ratio:1\/1 !important;height:auto !important;}.stk-179ccf8 .stk-img-wrapper img{transform:scale(1.5) !important;object-position:52% 1% !important;}@media screen and (max-width: 1023px){.stk-179ccf8 .stk-img-wrapper{height:auto !important;}}@media screen and (max-width: 767px){.stk-179ccf8 .stk-img-wrapper{height:auto !important;}}<\/style><figure><span class=\"stk-img-wrapper stk-image--shape-stretch stk--has-lightbox\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7053\" src=\"https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/javier_mella.jpg\" width=\"2000\" height=\"2000\" srcset=\"https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/javier_mella.jpg 2000w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/javier_mella-300x300.jpg 300w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/javier_mella-1024x1024.jpg 1024w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/javier_mella-150x150.jpg 150w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/javier_mella-768x768.jpg 768w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/javier_mella-1536x1536.jpg 1536w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/javier_mella-70x70.jpg 70w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/javier_mella-215x215.jpg 215w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/javier_mella-370x370.jpg 370w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-6b74050\" data-v=\"4\" data-block-id=\"6b74050\"><style>.stk-6b74050 {align-self:center !important;}@media screen and (min-width: 768px){.stk-6b74050 {flex:var(--stk-flex-grow, 1) 1 calc(82% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-6b74050-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-6b74050-inner-blocks\">\n<blockquote class=\"wp-block-stackable-blockquote stk-block-blockquote stk-block stk-a586234 is-style-simple\" data-v=\"2\" data-block-id=\"a586234\"><style>.stk-a586234 {margin-bottom:0px !important;}<\/style><div class=\"has-text-align-left stk-block-blockquote__content stk-container stk-a586234-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks\">\n<div class=\"wp-block-stackable-icon stk-block-icon stk-block stk-f50bf9f\" data-block-id=\"f50bf9f\"><style>.stk-f50bf9f {top:-50px !important;left:-50px !important;position:absolute !important;opacity:0.2 !important;}.stk-f50bf9f .stk--svg-wrapper .stk--inner-svg svg:last-child{height:200px !important;width:200px !important;opacity:1 !important;}.stk-f50bf9f .stk--svg-wrapper .stk--inner-svg svg:last-child, .stk-f50bf9f .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g, path, rect, polygon, ellipse){fill:#e10e17 !important;}<\/style><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-f50bf9f\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-f-50-bf-9-f-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-f-50-bf-9-f-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path d=\"M0 216C0 149.7 53.7 96 120 96h8c17.7 0 32 14.3 32 32s-14.3 32-32 32h-8c-30.9 0-56 25.1-56 56v8h64c35.3 0 64 28.7 64 64v64c0 35.3-28.7 64-64 64H64c-35.3 0-64-28.7-64-64V320 288 216zm256 0c0-66.3 53.7-120 120-120h8c17.7 0 32 14.3 32 32s-14.3 32-32 32h-8c-30.9 0-56 25.1-56 56v8h64c35.3 0 64 28.7 64 64v64c0 35.3-28.7 64-64 64H320c-35.3 0-64-28.7-64-64V320 288 216z\"><\/path><\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-63ba31c\" data-block-id=\"63ba31c\"><style>.stk-63ba31c .stk-block-text__text{font-size:var(--stk--preset--font-size--medium, 20px) !important;}@media screen and (max-width: 1023px){.stk-63ba31c .stk-block-text__text{font-size:var(--stk--preset--font-size--medium, 20px) !important;}}<\/style><p class=\"stk-block-text__text\">&#8220;Es esperable que observemos una consolidaci\u00f3n, apoyada por hitos en la industria, como la creaci\u00f3n de los primeros fondos transables (ETFs) en Estados Unidos\u201d<\/p><\/div>\n<\/div><\/div><\/blockquote>\n\n\n\n<p><strong>Javier Mella<\/strong>, profesor de Inversiones, Facultad de Ingenier\u00eda y Ciencias Aplicadas <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<p>Adem\u00e1s de su uso como instrumento financiero, <strong>las criptomonedas tambi\u00e9n est\u00e1n siendo medios de pago en contextos econ\u00f3micos complejos, \u201cen especial en econom\u00edas con alta inflaci\u00f3n y en naciones donde la moneda local se encuentra en problemas\u201d<\/strong>, indica. Desde el punto de vista de la inversi\u00f3n, su comportamiento ha sido particular. \u201cNo es claro su valor intr\u00ednseco, pero, en general, ha demostrado su contribuci\u00f3n en t\u00e9rminos de diversificaci\u00f3n, con periodos alcistas y bajistas que no est\u00e1n necesariamente relacionados con otros mercados, como los accionarios\u201d, agrega el especialista en valoraci\u00f3n de activos e inversiones, que <strong>actualmente estudia la predicci\u00f3n de mercados alcistas y bajistas en criptoactivos y su utilizaci\u00f3n en estrategias de inversi\u00f3n<\/strong>.<\/p>\n\n\n\n<p>Pero este ecosistema no est\u00e1 exento de riesgos. \u201cEl lado m\u00e1s preocupante tiene que ver con los usos que se dan por organizaciones criminales, como lavado de dinero, financiamiento de actividades terroristas o&nbsp;<em>ransomware<\/em>\u201d, advierte el acad\u00e9mico.<\/p>\n\n\n\n<p>En cuanto a su proyecci\u00f3n, considera que \u201ces esperable que observemos una consolidaci\u00f3n, apoyada por hitos en la industria, como la<strong> creaci\u00f3n de los primeros fondos transables (ETF) en Estados Unidos<\/strong>. Adicionalmente, es probable que exista mayor integraci\u00f3n con mercados tradicionales y que bancos centrales sigan explorando en lanzamiento de sus propias monedas digitales\u201d.<\/p>\n\n\n\n<blockquote class=\"wp-block-stackable-blockquote stk-block-blockquote stk-block stk-8b4f3dc is-style-simple\" data-v=\"2\" data-block-id=\"8b4f3dc\"><style>.stk-8b4f3dc {margin-bottom:0px !important;}<\/style><div class=\"has-text-align-left stk-block-blockquote__content stk-container stk-8b4f3dc-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks\">\n<div class=\"wp-block-stackable-icon stk-block-icon stk-block stk-341829b\" data-block-id=\"341829b\"><style>.stk-341829b {margin-top:var(--stk--preset--spacing--60, 2.25rem) !important;top:-50px !important;left:-50px !important;position:absolute !important;opacity:0.2 !important;}.stk-341829b .stk--svg-wrapper .stk--inner-svg svg:last-child{height:200px !important;width:200px !important;opacity:1 !important;}.stk-341829b .stk--svg-wrapper .stk--inner-svg svg:last-child, .stk-341829b .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g, path, rect, polygon, ellipse){fill:#e10e17 !important;}<\/style><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-341829b\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-341829-b-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-341829-b-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg class=\"ugb-custom-icon\" id=\"Capa_2-66071\" data-name=\"Capa 2\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 11.81 21.69\" aria-hidden=\"true\" width=\"32\" height=\"32\">\n  <defs>\n    <style>\n      .cls-1 {\n        fill: #c30512;\n      }\n    <\/style>\n  <\/defs>\n  <g id=\"Capa_1-2-66071\" data-name=\"Capa 1\">\n    <path class=\"cls-1\" d=\"M0,21.68v-5.02c0-.38.18-.74.49-.96l6.7-4.86L.49,5.98c-.31-.23-.49-.58-.49-.96V0l9.95,7.22c2.48,1.8,2.48,5.45,0,7.25L0,21.69h0Z\"><\/path>\n  <\/g>\n<\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-230c4ec\" data-block-id=\"230c4ec\"><style>.stk-230c4ec .stk-block-text__text{font-size:var(--stk--preset--font-size--medium, 20px) !important;line-height:2em !important;}@media screen and (max-width: 1023px){.stk-230c4ec .stk-block-text__text{font-size:var(--stk--preset--font-size--medium, 20px) !important;}}<\/style><p class=\"stk-block-text__text\"><\/p><\/div>\n<\/div><\/div><\/blockquote>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-d39aacf\" data-block-id=\"d39aacf\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-d39aacf-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-3b6ccfb\" data-v=\"4\" data-block-id=\"3b6ccfb\"><style>.stk-3b6ccfb {align-self:center !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-3b6ccfb-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-3b6ccfb-inner-blocks\">\n<div class=\"wp-block-stackable-count-up stk-block-count-up stk-block stk-0cee370\" data-block-id=\"0cee370\"><style>.stk-0cee370 {margin-bottom:0px !important;}.stk-0cee370 .stk-block-count-up__text{color:#37424a !important;line-height:1em !important;}<\/style><div class=\"stk-block-count-up__text has-text-color has-text-align-center\"><strong>10.000<\/strong><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-4afd941\" data-block-id=\"4afd941\"><style>.stk-4afd941 .stk-block-text__text{color:#37424a !important;}<\/style><p class=\"stk-block-text__text has-text-color has-text-align-center\"><strong>criptomonedas existen actualmente<\/strong><\/p><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-d54353f\" data-v=\"4\" data-block-id=\"d54353f\"><style>.stk-d54353f {align-self:center !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-d54353f-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-d54353f-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-3e9b6dd\" data-block-id=\"3e9b6dd\"><style>.stk-3e9b6dd .stk-img-wrapper{aspect-ratio:1\/1 !important;width:80% !important;height:auto !important;}.stk-3e9b6dd .stk-img-wrapper img{border-radius:var(--stk--preset--border-radius--full, 9999px) !important;object-position:0% 68% !important;}@media screen and (max-width: 1023px){.stk-3e9b6dd .stk-img-wrapper{height:auto !important;}}@media screen and (max-width: 767px){.stk-3e9b6dd .stk-img-wrapper{height:auto !important;}}<\/style><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7047\" src=\"https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/IMG_691.jpg\" width=\"2000\" height=\"1333\" srcset=\"https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/IMG_691.jpg 2000w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/IMG_691-300x200.jpg 300w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/IMG_691-1024x682.jpg 1024w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/IMG_691-768x512.jpg 768w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/IMG_691-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-175ebc2\" data-v=\"4\" data-block-id=\"175ebc2\"><style>.stk-175ebc2 {align-self:center !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-175ebc2-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-175ebc2-inner-blocks\">\n<div class=\"wp-block-stackable-count-up stk-block-count-up stk-block stk-dd2adbd\" data-block-id=\"dd2adbd\"><style>.stk-dd2adbd {margin-bottom:0px !important;}.stk-dd2adbd .stk-block-count-up__text{color:#37424a !important;line-height:1em !important;}<\/style><div class=\"stk-block-count-up__text has-text-color has-text-align-center\"><strong>US$<\/strong><br><strong>3 trillones<\/strong><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-91923f3\" data-block-id=\"91923f3\"><style>.stk-91923f3 .stk-block-text__text{color:#37424a !important;}<\/style><p class=\"stk-block-text__text has-text-color has-text-align-center\"><strong>es el valor de mercado de los criptoactivos<\/strong><\/p><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"color: #e10e17;\" class=\"stk-highlight\">Regulaci\u00f3n en Chile<\/span><\/h3>\n\n\n\n<p><strong><a href=\"https:\/\/www.uandes.cl\/personas\/cristobal-perez-jarpa\/\" target=\"_blank\" rel=\"noreferrer noopener\">Crist\u00f3bal P\u00e9rez Jarpa<\/a><\/strong>,&nbsp;acad\u00e9mico de la <a href=\"https:\/\/www.uandes.cl\/universidad\/facultades\/derecho\/\" target=\"_blank\" rel=\"noreferrer noopener\">Facultad de Derecho<\/a>, destaca que esta expansi\u00f3n ha llevado a los Bancos Centrales a dise\u00f1ar sus propias monedas digitales (MDBC). Mientras pa\u00edses como Jamaica y Nigeria ya las han implementado, otros como India, Uruguay y la Uni\u00f3n Europea est\u00e1n en fase piloto. Chile avanza con cautela.<\/p>\n\n\n\n<p>Los criptoactivos \u201chan tensionado la estructura de los mercados financieros tradicionales, pues muchos de ellos se transan sin regulaci\u00f3n ni transparencia. As\u00ed, mientras algunos pa\u00edses mantienen un enfoque desregulado, otros han optado por establecer marcos normativos estrictos para enfrentar los riesgos que plantea este nuevo mercado\u201d, explica el profesor de Derecho Tributario.<\/p>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-5376fc3\" data-block-id=\"5376fc3\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-5376fc3-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4d547d0\" data-v=\"4\" data-block-id=\"4d547d0\"><style>.stk-4d547d0 {align-self:center !important;}@media screen and (min-width: 768px){.stk-4d547d0 {flex:var(--stk-flex-grow, 1) 1 calc(82% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4d547d0-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4d547d0-inner-blocks\">\n<blockquote class=\"wp-block-stackable-blockquote stk-block-blockquote stk-block stk-8c3d32d is-style-simple\" data-v=\"2\" data-block-id=\"8c3d32d\"><style>.stk-8c3d32d {margin-bottom:2px !important;}<\/style><div class=\"has-text-align-left stk-block-blockquote__content stk-container stk-8c3d32d-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks\">\n<div class=\"wp-block-stackable-icon stk-block-icon stk-block stk-b531c97\" data-block-id=\"b531c97\"><style>.stk-b531c97 {top:-50px !important;left:-50px !important;position:absolute !important;opacity:0.2 !important;}.stk-b531c97 .stk--svg-wrapper .stk--inner-svg svg:last-child{height:200px !important;width:200px !important;opacity:1 !important;}.stk-b531c97 .stk--svg-wrapper .stk--inner-svg svg:last-child, .stk-b531c97 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g, path, rect, polygon, ellipse){fill:#e10e17 !important;}<\/style><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-b531c97\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-b-531-c-97-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-b-531-c-97-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path d=\"M0 216C0 149.7 53.7 96 120 96h8c17.7 0 32 14.3 32 32s-14.3 32-32 32h-8c-30.9 0-56 25.1-56 56v8h64c35.3 0 64 28.7 64 64v64c0 35.3-28.7 64-64 64H64c-35.3 0-64-28.7-64-64V320 288 216zm256 0c0-66.3 53.7-120 120-120h8c17.7 0 32 14.3 32 32s-14.3 32-32 32h-8c-30.9 0-56 25.1-56 56v8h64c35.3 0 64 28.7 64 64v64c0 35.3-28.7 64-64 64H320c-35.3 0-64-28.7-64-64V320 288 216z\"><\/path><\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-5b297d8\" data-block-id=\"5b297d8\"><style>.stk-5b297d8 .stk-block-text__text{font-size:var(--stk--preset--font-size--medium, 20px) !important;}@media screen and (max-width: 1023px){.stk-5b297d8 .stk-block-text__text{font-size:var(--stk--preset--font-size--medium, 20px) !important;}}<\/style><p class=\"stk-block-text__text has-text-align-center\">\u201cEl principal riesgo es reputacional, por eso las autoridades han sido cautelosas al comunicar avances, pese a un importante trabajo t\u00e9cnico\u201d<\/p><\/div>\n<\/div><\/div><\/blockquote>\n\n\n\n<p class=\"has-text-align-center\"><strong>Crist\u00f3bal P\u00e9rez Jarpa<\/strong>, profesor de Derecho Tributario, Facultad de Derecho<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-bad3005\" data-v=\"4\" data-block-id=\"bad3005\"><style>.stk-bad3005 {align-self:center !important;}@media screen and (min-width: 768px){.stk-bad3005 {flex:var(--stk-flex-grow, 1) 1 calc(17.999999999999996% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-bad3005-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-bad3005-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-3784016\" data-block-id=\"3784016\"><style>.stk-3784016 {border-top-left-radius:var(--stk--preset--border-radius--large, 16px) !important;border-top-right-radius:var(--stk--preset--border-radius--large, 16px) !important;border-bottom-right-radius:var(--stk--preset--border-radius--large, 16px) !important;border-bottom-left-radius:var(--stk--preset--border-radius--large, 16px) !important;overflow:hidden !important;}.stk-3784016 .stk-img-wrapper{aspect-ratio:1\/1 !important;height:auto !important;}.stk-3784016 .stk-img-wrapper img{transform:scale(1.5) !important;object-position:48% 6% !important;}@media screen and (max-width: 1023px){.stk-3784016 .stk-img-wrapper{height:auto !important;}}@media screen and (max-width: 767px){.stk-3784016 .stk-img-wrapper{height:auto !important;}}<\/style><figure><span class=\"stk-img-wrapper stk-image--shape-stretch stk--has-lightbox\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7052\" src=\"https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/cristobal_perez.jpg\" width=\"2000\" height=\"2000\" srcset=\"https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/cristobal_perez.jpg 2000w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/cristobal_perez-300x300.jpg 300w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/cristobal_perez-1024x1024.jpg 1024w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/cristobal_perez-150x150.jpg 150w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/cristobal_perez-768x768.jpg 768w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/cristobal_perez-1536x1536.jpg 1536w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/cristobal_perez-70x70.jpg 70w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/cristobal_perez-215x215.jpg 215w, https:\/\/revistacampus.uandes.cl\/2025\/wp-content\/uploads\/2025\/08\/cristobal_perez-370x370.jpg 370w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<p><strong>Chile ha optado por una v\u00eda intermedia. Con la Ley Fintec de 2023 y la adhesi\u00f3n al Marco de Informe de Criptoactivos (CARF) de la OCDE, busca fomentar la innovaci\u00f3n al tiempo que fortalece la regulaci\u00f3n.<\/strong> La ley define los criptoactivos como representaciones digitales de valor, bienes o servicios -excluyendo el dinero tradicional- que pueden intercambiarse o almacenarse digitalmente. Regula la inscripci\u00f3n de plataformas e intermediarios y reconoce a las&nbsp;<em>stablecoins&nbsp;<\/em>(que vinculan su valor de mercado a una referencia externa) como medios de pago, pero a\u00fan no existe normativa tributaria espec\u00edfica.<\/p>\n\n\n\n<p>\u201cAnte la falta de claridad, desde 2018 el Servicio de Impuestos Internos ha emitido oficios para orientar a los contribuyentes. Por ejemplo, <strong>estableci\u00f3 que la venta de criptoactivos no est\u00e1 gravada con IVA, al ser bienes incorporales, y que los pagos a los \u2018mineros\u2019 deben tributar como renta empresarial, no como ingresos laborales<\/strong>\u201d, aclara el doctor en Derecho por la Universidad de Ciencias Econ\u00f3micas de Viena.<\/p>\n\n\n\n<p>Pese a los avances, advierte que \u201cla Ley Fintec no aborda ni los NFT (activo digital \u00fanico) ni las MDBC (Moneda Digital de Banco Central), temas que ya se est\u00e1n discutiendo en otras jurisdicciones\u201d. El profesor P\u00e9rez Jarpa ha profundizado en estos asuntos desde distintas dimensiones: en 2023 expuso sobre el caso chileno en la conferencia internacional\u00a0<em>Crypto Assets: Tax Law and Policy<\/em>\u00a0en Austria, y su an\u00e1lisis fue publicado por la Oficina Internacional de Documentaci\u00f3n Fiscal-IBFD en 2024.<\/p>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-ce1115e\" data-block-id=\"ce1115e\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-ce1115e-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-5b05a23\" data-v=\"4\" data-block-id=\"5b05a23\"><style>@media screen and (min-width: 768px){.stk-5b05a23 {flex:var(--stk-flex-grow, 1) 1 calc(33.33400000000002% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-5b05a23-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-5b05a23-inner-blocks\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Criptoactivos e intercambio autom\u00e1tico de informaci\u00f3n: de CRS a CARF - P\u00e9rez Jarpa\" width=\"1140\" height=\"641\" src=\"https:\/\/www.youtube.com\/embed\/5GjTPEMALws?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-339841c\" data-v=\"4\" data-block-id=\"339841c\"><style>@media screen and (min-width: 768px){.stk-339841c {flex:var(--stk-flex-grow, 1) 1 calc(66.666% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-339841c-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-339841c-inner-blocks\">\n<p>Tambi\u00e9n ha abordado los desaf\u00edos t\u00e9cnicos del est\u00e1ndar CARF en su <strong>art\u00edculo \u201cCriptoactivos e Intercambio Autom\u00e1tico de Informaci\u00f3n: de CRS a CARF\u201d<\/strong> y desarrolla una l\u00ednea de investigaci\u00f3n sobre el uso de inteligencia artificial para el cumplimiento tributario, <a href=\"https:\/\/www.uandes.cl\/noticias\/profesor-expone-en-austria-sobre-el-impacto-de-la-inteligencia-artificial-en-el-derecho-tributario\/\" target=\"_blank\" rel=\"noreferrer noopener\">presentada en 2025 ante expertos de m\u00e1s de 40 pa\u00edses en Austria<\/a>.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<p><strong>Uno de los hitos m\u00e1s relevantes ha sido la adhesi\u00f3n de Chile al marco CARF, que exige desde 2027 el reporte autom\u00e1tico de informaci\u00f3n tributaria sobre criptoactivos.<\/strong> \u201cEl SII debe fortalecer capacidades y crear herramientas para procesar grandes vol\u00famenes de datos, idealmente con apoyo de inteligencia artificial\u201d, afirma el abogado. Tambi\u00e9n advierte que el mayor reto ser\u00e1 adaptar la legislaci\u00f3n e infraestructura fiscal para cumplir con estos est\u00e1ndares.<\/p>\n\n\n\n<p>M\u00e1s all\u00e1 del \u00e1mbito tributario, el <a href=\"https:\/\/www.bcentral.cl\/areas\/hub-tecnologico-financiero\/moneda-digital-de-banco-central\" target=\"_blank\" rel=\"noreferrer noopener\">Banco Central de Chile contin\u00faa evaluando la viabilidad de una moneda digital<\/a>. Aunque a\u00fan no hay lanzamiento oficial, los avances t\u00e9cnicos son importantes. \u201cEl principal riesgo es reputacional, por eso las autoridades han sido cautelosas al comunicar avances, pese a un importante trabajo t\u00e9cnico\u201d, concluye.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Los criptoactivos han avanzado con fuerza en los mercados y tambi\u00e9n en los sistemas legales. Mientras su uso se diversifica como instrumento financiero y medio de pago, Chile busca regularlos a trav\u00e9s de la Ley Fintec y su adhesi\u00f3n a est\u00e1ndares internacionales. Dos acad\u00e9micos abordan el fen\u00f3meno desde sus disciplinas.<\/p>\n","protected":false},"author":8,"featured_media":7046,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[14],"tags":[41],"class_list":["post-6454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pais","tag-41"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Criptoactivos y regulaci\u00f3n: Los desaf\u00edos que enfrenta Chile - Revista Campus UANDES<\/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:\/\/revistacampus.uandes.cl\/2025\/criptoactivos-y-regulacion\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Criptoactivos y regulaci\u00f3n: Los desaf\u00edos que enfrenta Chile - Revista Campus UANDES\" \/>\n<meta property=\"og:description\" content=\"Los criptoactivos han avanzado con fuerza en los mercados y tambi\u00e9n en los sistemas legales. Mientras su uso se diversifica como instrumento financiero y medio de pago, Chile busca regularlos a trav\u00e9s de la Ley Fintec y su adhesi\u00f3n a est\u00e1ndares internacionales. 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