PRESENTE Y FUTURO DE LAS STABLECOINS. Entrevista con DENIS CERNA, CEO XOLVOX by @cryptomorfosis on 3Speak
Regresamos al formato de entrevistas con Denis Cerna, CEO de Xolvox, exchange de capitales peruanos, enfocado en las operaciones OTC, para hablar sobre la actualidad del mercado de las Stablecoins,...
Tags: #espavlog #blockchain #stablecoin #web3 #criptomonedas #crypto #spanish #hive
that not had a form how to envied the remiss to their families, they've found in what are the Steeble Coins a use. Toe, a producer of China, you pay via the bank, via the bank traditional, and are of three to five days utiles in that demora the money in getting. The Stable Coins calcean directly, because they can generate contracts intelligent, and to generate pavos into the agents. One operation OTC for, say, for the, for the, grand quantity, for the volume that's that, it needs to have a tension personalized. First, you can't buy a partecita of that action, no? And, to buy, and liquidarly immediately, and to be able to enter and in minutes. Well, as we're, we're retomando right, just this format of interviews, that's the time we did we do we do. In this occasion, we're here in the Hub of Innovation of Miraflores, to thank you, we thank you. We thank you. to go to do it. In this occasion, we've brought to Solvox, a project of Exchange, that has a year operating here in Peru, capital is completely Peruanos, so it's a good to be able to have here with us, and for this opportunity to bring us here, to present to Deny CERNA, the CEO of Solbox, who is here, who is here, In the way, Miguel, a good, thanks for the invitation. And, well, here, to be able to tell you a little about the project and, you know, how we want to impact it into the industry. We know, we know, that the adoption blockchain has passed, this moment of speculation, there, the creation of a new infrastructure, for a business, fintech, bank traditional, no? So, so, to start, how it's Solbox? What is a focus principal in this ecosystem crypto, web 3, no? And in what manner are helping to the companies to do this transition to the activities digital? Okay, well, thanks for the invitation and commentarles a little about Solvox. Well, I've been from the world of the bank. I've worked in a bank, This was to be able to know, to the market, financial, and then, and then, and then, migre, to the part, into the part fintech. And, and, basically, this, this occurred in a form, in a form, not casual, but there was an event that me marked much, I was just when I was doing a, a master in finance. in the University of Wolfo Ivaeis. He had a professor of finance very, who even has been, has been, has been invited to Peru blockchain in various occasions, that is Robert Boniface. And Robert is one of the classes, and us comments about Bitcoin and the potential that had, what it was to be in here. In that moment, well, I still was in the bank. and it was a bit reassio to the theme of Bitcoin, like a much has passed. But, there was a moment in the which I generated so much an inquietude, that I began to investigate the theme. And when I'm going to investigate, and when I'm going to investigate, to learn more of development in the industry financial. And I said, for here, will go in the world financial. From that moment, entered the curiosity, and I started to know more a fond, I started to invest, I, I started to arm a portfolio of inversion. And there, I started my, my connection with the Because, say, Bitcoin, for those who know, Bitcoin, is a, is, you know, a token digital, that basically is considered as a reserve of value. It's like the, it's like the, like, the the, let's, let's, let's say, what we could realize with the stable coin, that in a, that in a first moment, was simply to, to, to, connect the world Fiat with the world of the blockchain, no, because you had dollars, you'd buy USET, and that's UD, and that's SET, and that was the transit normal. So, then, I began a little to, what is what could add to all this ecosystem. But, well, then, in that moment that I go to a bank, I go to a, a, a, a, a, a, a, a, a, a, a, and I know, and, and, and, and, and, I know directly the world of the blockchain, in this, And in this transit, I know, well, I know, is my, my, my, no, Richard Romero, and, and, and, we, we, we, we, we, we, we, we, we, we, we, we, we, we, we, we, we, we, we, we, we that not only only a, a house of change traditional, not, but it's a house, a house, a new, that accompany directly in the day-a-day, to be able to do a transaction, no, and in a first step, we're focused directly in what was OTC, in operations, what we know, in operations, let's to be, say, to get generating caches into the company. And, well, in that we're in, and today, well, with a, with a year, in the market, we're in a moment of expansion, and in a time in a in the which can create many products for the benefit, so, of persons and of businesses. And that is a little what today is we are. Sure, yeah, a little, like, you know, of course, the state of Walcons, they're actually to buy Bitcoin or whatever other crypto, no? But now, now, its major crescment, today and now, now occur in the economy real, let's, you know, so, you know, for inviots of remes, no, of money, to protecter the inflation, depending on the country in where you're, and also, to do you, and also, to do you know, so, liquidation of nominness global. So, now, today, where you identify the major impact or traction real that can have this use of, this EWLCon? And what's at the level of infrastructure, for that the or the commercials, promenos, they can use, no, of form easy, transparent, no, with confidence, but, but, since there is a technology blockchain, that's me a difficult to understand. I think that that's the challenge, that's the challenge, no, I mean, that's the challenge, no, because, when one, when you know, when you're So, that is a little the, the, the, the, the, the, the, the, the, the, the, the, the, the, the, is a, is a, is a, is a, let's a, let's a, let's a, let's a, we're, let's, let me, let me, say, let me, say, let me, let me say, let me, let me say, let's, that, you know, that, we'll be the, the, the, digital, let's be, you know, regulated by the same bank. Yeah, Jape, Plin, they're, you know, that task, no. Cosa different, that's in other countries that, that, first, the bank central, that emite the token digital, no, and then... that, let us generate the alliances with the fintech, for that they can ingresser, here is the inverse, and that work, yeah, he did, yeah, PEPL. So, if we have that concept of the, of the, of, the, of the, of the, of the digital, no, is, in the case of this Volcon, would be to be the dollar digital. So, no. So, there, there is to look the form, how to connect with the people, you see, to be a very much more sincere to say, oh, okay, you're going to have, you have, you know, you're going to buy an establishment, or for the and you pay directly a consumption. The same could be with the stable coin, you simply add you into that chain integration, and you're going to be able to, you're going to pay, in an establishment with this gold coin. So, that is the next step, that we're going to do. And to that, I think, that many companies of infrastructure in terms of blockchain, are For example, today, also, what is the thing is the thing of what are pavos international. I think that there, there are, there, say, there are, like, in the case of Venezuela, no, that had people here, that had the way to envied the remiss to, to their families, they've And that, in a certain form, let me, say, aligero, that problem that had the families Venezuelanas, no. Caso in Argentina, that no could not get the dollars of the country, no. I mean, it took a much, for example, in, in, in, in those first cases, no. and, you know, this, no could, be able to get those dollars. So, they used USET, no? So, this client, logically, we're just to us to us to us to us to us to dollars, no? So, so those cases, no, that, that you say, oh, okay, perfect. Yes, but are, these circumstantiales, okay, but if that you put to in the economy, as far as a formal, could, could be a libyuble, even for the formality, even for the formality of many, of many markets, and what you can be able to realize a pay of a form super -rapia. That's a what a day is, let's, let's understand, to, the people, no, no, no, no, no, for example, if you want, uh, if you want to, uh, if you want to do you, uh, if you want to do you to pay a, uh, if you want to do a importation to China, no, to do your provider of China, you pay a, via, via a bank, via the bank traditional, and are of three to five days, in that demora the money in getting to this client, to this provider in China. That what implica, for, you know, for the client-imported here in Peru, is time. It's a time, and that time, let's, let's, let's, let's, let's, let's, let's, let's, those, you know, those, super instantaneous, no, compiling all the processes, and aligher to the client, say, a time, a time of time of costs, and it's super, and it's super, and it's super, so, it's like, I sometimes, I put this, this, this, this, this image, okay, and it's like, like, like, like, as, when you're no, I don't know, to try, you know, and you'd demurredas, and you're doing, no, no, if, but, you can't do in an avion, yeah, it's super rapid, it's a carretera much more rapid, so, basically, are reales, no, and you go, and so, and so, and these rieles, every So, that's, that's, that will aligerer, much the economy, the economy, in general. Yeah, yeah, all of the fact, I've lived and suffered in carneprope. I remember, I've been a few years, I did a job for a company of Spain. And, of, and, of, when I made the pay of, that were 4,000 euros, 800 soles less in my, in my account, no? No, it's a little, it's almost a small minimum here. And, also, I've been able to experimenter the benefits, no, but I have a woman who lives in Germany and that he'll envied money to my mom, me and obviously, we're using systems of stable-coin, no? Like, as you say, is immediate, the commissions, it's not exist, no? It can be microseconds of dollar, even, so. So, so, so, so, so, so, so, so, There is a great potential in the use of the stable coins, for, as like, as aligerer, to, let's make more efficient, let's the managemental, personal, businessial, gubernamentals. So, so that is something that really is occurring. And just something that mentioned about the CVDCs, no? Well, for those who not know, the CBS, are the probably technology, blockchain, that will start to emit the banks centrales. So, so, so, with this advance, with the modernization of the systems, bankarious, commercial, the money digital, state, or the corporative, is, that, is, going to start to gain a major presence, so, so, so, trying to be mediums pitonisos, from here three or five years, no, how, how is this between the Stegol coins, of an emission private, conviviening with this digital, statal. So, they'll, they'll be able to keep their leadership, they're going to complementing between them? How is, a bit, that thing? Yes, I think that there will exist a complement, so, so, and, and, you know, tokens emitiedied by a country. I mean, they're under the regalement of a country. So, there's a centralization in the utilization of those tokens in a country. In the case of the Stegwell Coins, their use is at a with all the use of the intelligence artificial, you know, every they're creating agents of IA, no. And these agents of I.A. are, going to generate nucleus of work, nucleus economic, no? And, in those of them, they're going to need to pay. So, this processment of pavos, the stable coins, can't directly, because they can generate contracts and to generate pagos within the agents. So, I, I, I, see, with much, with much future, with much expansion, all the theme of the system of the World Coins. Yes, yes, you know, this thing of use of IIA, justly, like, agents of pay, so, blockchain is perfect, for that type of systems, ecosystems, no? Yeah, ultimately, there are various talliers, workshops, and hackathones that have to be able to implement AI, just with a moneta blockchainized, with a money digital blockchainized. So, as you, as you say, I think, there's a good future in this use of the agents, justly, for that stablecoin be that money of use, for those transactions that are going to realize, our assistants virtual. And in a moment, also, you're also mentioned a little bit of the So, we know, for that's that's a package of regulations at a new global, no, in fact, in MECA in Europe, I think, has been a, I think, has been, in the United States is behind, then, so, clarity act, no? So, these marcos regulatory, this existent, and those that are going to come, you think, you're going to accelerate the adoption, by part of the great institutions, corporations? Or more than, is that it's, like, suffocer the innovation and the accessibility of the user common? In which of the two positions are? Those who are in favor of the regulation crypto, or what are in contra? No, of actually, I think that, the regulation will be favorable. If we're we're going to, if we're in a certain form, great actors, no, institutions much more grand, no, so, today, there are banks of investment, directly, into the world, to crypto, many banks have areas, yeah specialized in blockchain. So, in a certain form, the regulation cites that confidence, for that the institutional, could be in and, you know, and, you know, always, always with a thing, you know, looking always the benefit for, for all the people. Sure, sure, yeah. Yeah, I mean, I'm sure, yeah, I think the regulation, this, will help to that the institutions and the people also feel more confidence in using, let's of the law, this, there is a law that is approved in the US, that is the Genius, in the which, in the, in the, in the category of, the, of security or active of refuge, to the stable coins, for meadows of the pay. This change of category, that's, that's very, very power for the market of the stable coins. And this, in February, in February, in 20207. In February of the 2027, this is active. So, so I see, so I see potential in the, in the, in, in the use of all of what are stable coins. So, obviously, in the States of the United, we have U.S.D.C. let's say, that has, let's, that, you know, that's, that's, with all these, with all these requisite, no. In the case of Teter, I think that, well, no, no, no, no, no, no, no, no, no, no, no, it has been, no, no, it's, no, it's all made, no idea, so, yeah, Sure, what, what is that, in the case of Micah, no, Teter, what has said, oh, and me no, you can't obligar to, to, you know, to be obligar to attend, a collateral, let's, let's say, in, in dollars, which is a bit what, let's say, the case, because it has other activities that give to coverture, well, that form part of this collateral, like, like, as Bitcoin, like, actions, and other things. In the case of Circle, if it's, let's, let's, let's, let's this normative. Sure, one-to, exactly. One-to. Yeah, yeah, yeah. And in Peru, how is this thing, of the regulation, the part tributary? I mean, I'm a regularize in my system tributary, no, contable, front of Sunnacht. Well, let's, let's, let's say, a level of casas of change, there, you know, for that transaction, exists a factura in the which is let me emit a client that a client that compra, a, a, a new, in the case of Peru, well, in the case of Peru, well, for all what is a, theme, to, a crypto. But what they're doing the exchanges is, in specific, the sections is, let's, let's, let's, take, as norma, the theme of casas of change, no? For this form, to, say, going, say, advancing in that level of the regulation. It is important that a case a case of change, because, has a, a process, a, a, a, a process of an process of aecoward of a key, of KYC, of KYB, not to know to your client, to know, to know, to the company with the in the practices of compliance, not to have an official of compliance, that's, that's so, that's, so, that's, so, that's very important. So, in conclusion, we know, any company can operate with stable coins, having that all that will be in the parameters and norms that the state of the No, we have to expect, necessarily to be a, yeah, a new, no, no, no, no, that is very, very independent, no, the use of Seolgoins, that is, that can't directly. Sure, right, yeah, so, well, this, well, there are many, well, there are many institutions traditional, that want, so, you know, this liquidity and rapidness, no, in the Stoilgoin's, this, but, the custodd, the connectivity, then, so, fiat, crypto. So, from the experience Solbox and its design, the architecture for fintech, sector financial, where is, where, where, code of bottelogical, no, in where, code of bottelogical, uh, and how you're trying, you to resolve it, to, to alleviate, of those dolores of the I mean, I think that, basically, is the, is the, of, to try to conscientize, well, of the use of the tool, in this case, of the Stegol coins, which is a, that's a tool, that you, well, you can use, or, well, to, you can use, you So, so, it will depend much of the utility that you want to give to this, let's stable coins. And in function of that, part of much the assessority that one can give or to be to transmit to the client. And, you, we, the security, also, to be able to do an operation with us. What I need? I suppose a KYC, pass a KVYC, connect my account of bank, this, to be able to change it to Stadoyin. What I can buy in, what type of St.Oldcoons can find out of Solvox? If I can find out of crypto, let me, tell us. No, we're, we're transaccionable directly to what is USBT. Yeah, no? Directly, obviously, the client has to pass a register. to, you know, to fill the format, a key Y, if it's in case of a person natural, and a key YB, in the case of a company. One of the first that process, no, there's a person with the, with the, with the part operative, no? We have various persons in those who can attend directly to the client in the development of an operation. In this case, we're for the, for the grand quantity, for the volume that it's that it, needs to have a attention personalized. So, we're not, we count with a, with a, with a office in which we attendes directly to the client, to generate a, a, a major confidence, and a major security for the client, and there, directly, we with the client, no? Sure, yes, but, in fact, it's very distinct that I want my 100 coquitos of Bitcoin. I want to buy two millions of dollars to China. Yeah, of actually, more confidence is, like you say, this contact direct, that you attend personally, to do it through a platform. Now, what happens, if I'm in the, in the user, no, the contact personal, yeah, well, a little bit, to be serrando, uh, uh, every more groups, entrepreneurial, platforms of e-commerce, uh, neobankos, no, yeah, they're starting to analyze or to use it, no, all this thing of steguil, because, of the fact, Visa, MasterCard, PayPal, are emitting, also, how you see this future, you know, there's a world of enterprises, adopting, you, you know, these solutions of pavos with stable coins, and how you're going to position to Solvo, well, for to do that social technological, to help that transition of the finances traditional, to these... new types of finances, adirted, no? Sure, all what is the Open Finance. Yes, of actually, this is a, is a grand transition, let's, let's say, is, is, is, is, is, is, is, is, is, is, is, is, is, is, is let us, you know, let us, let's see that there that exists a new form of able to do, realize, real, to be, of, to be able to do operations financial, with the utilization of what are the Sterewell Points, no. This will generate multiple uses. Because you, you can, or, or, or you can use them, or in a, into a, in a restaurant, imagineate that, in their, in their offer of, of payos, exists, also the alternative to be able to pay with Stegold Boyce, no, if, if, if, if, if, if, and that you can you, buy directly a car with Stable Coins, this also also, you have an new option for the market, and this form in various sectors of the economy. If we're going to see a business of the commercial, in the same way. In the case, for example,…