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Por qué las tarjetas de crédito cripto luchan por reemplazar a Visa

Por qué las tarjetas de crédito cripto luchan por reemplazar a Visa KuCoin

KuCoin

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Aug 13, 2026 at 2:37 AM UTC · Updated hace 10 días · 7 min de lectura

Por qué las tarjetas de crédito cripto luchan por reemplazar a Visa
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Artículo por: Vaidik Mandloi

Compilado por: Luffy, Foresight News

¿Sabías que? En julio, el gasto con tarjetas de crédito de criptomonedas superó los $759 millones a través de 9 millones de transacciones, casi dos veces y media la cantidad del mismo periodo del año pasado. Además, más del 90% de este gasto todavía se realizó utilizando tarjetas Visa.

Casi todos los proyectos de tarjetas de débito cripto cuentan la misma historia: aprovechar los canales de pago de stablecoins para eludir las tarifas de las redes de tarjetas y devolver los costos ahorrados a los comerciantes. Anteriormente exploramos esta lógica al analizar la construcción de Stripe de una infraestructura de pagos transfronterizos basada en stablecoins.

Con este fin, profundicé en una pregunta central: ¿Qué pasaría realmente si intentáramos eludir las redes de tarjetas tradicionales? ¿Podría realmente la eliminación de Visa y Mastercard reducir los costos para los comerciantes? ¿Y qué capa de la infraestructura de pagos podrían reemplazar realmente las stablecoins?

La conclusión final fue completamente inesperada.

¿Cómo funciona el sistema de pagos?

Para encontrar la respuesta, primero aclaremos a dónde van las comisiones cuando los consumidores pasan sus tarjetas. Inicialmente reconocí un error común: muchas personas, incluidos numerosos profesionales de la industria cripto, asumen que las redes de tarjetas como Visa se llevan la mayor parte de las comisiones.

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