{"id":36432,"date":"2019-10-10T00:00:00","date_gmt":"2019-10-09T22:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/aeb-informa\/crypto-assets-central-banks-and-financial-institutions\/"},"modified":"2026-04-09T09:54:45","modified_gmt":"2026-04-09T07:54:45","slug":"crypto-assets-central-banks-and-financial-institutions","status":"publish","type":"blog-aeb","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/crypto-assets-central-banks-and-financial-institutions\/","title":{"rendered":"Crypto-assets, central banks, and financial institutions"},"content":{"rendered":"<p>The development of crypto-assets, the challenges linked to both their growth capacity and their use by consumers, and the possibility of central banks issuing their own digital currencies were the main topics of the third edition of the Banking Lab held today at CUNEF.<\/p>\n<p>Santiago Carb\u00f3, Director of the Department of Economics at CUNEF; Santiago Fernandez de Lis, Head of Regulation at BBVA; Javier Sebasti\u00e1n, from the Regulation Department at BBVA; and Andrei Kirilenko, Professor at the University of Cambridge and the Centre for Economic Policy Research (CEPR), addressed the current situation of cryptocurrencies and shed light on the role they could assume in the economy of the future.<\/p>\n<p>Currently, many cryptocurrency issuers are considering backing or linking them to stable assets, such as the dollar or the euro, seeking to solve the volatility problems presented by these assets. Furthermore, the possibility of cryptocurrencies becoming a means of payment that competes with existing ones, such as cash, is one of the reasons behind the current debate on the advisability of issuing official digital currencies. <\/p>\n<p>However, one of the conclusions of the session was that technical complexity and regulatory risks\u2014regarding both consumer protection and financial stability\u2014warrant a more in-depth analysis. Many of the problems standing in the way of the adoption of and trust in this class of assets can be addressed from a regulatory standpoint. <\/p>\n<p>The distributed ledger technology behind cryptocurrencies offers enormous potential for improvement in digital payments. However, the experts agreed that it is also necessary to demonstrate its greater efficiency compared to current payment processes. <\/p>\n<p><a href=\"https:\/\/aebanca.es\/wp-content\/uploads\/2019\/10\/blockchain-banking-lab-s-carbo-october-2019.pdf\">Blockchain, cryptoassets and banking: an introduction. Santiago Carb\u00f3 Valverde <\/a><\/p>\n<p><a href=\"https:\/\/aebanca.es\/wp-content\/uploads\/2019\/10\/banking-lab-dlt-based-cbdcs.pdf\">Central Bank Digital Currencies and Distributed Ledger Technology. Santiago Fern\u00e1ndez de Lis and Javier Sebasti\u00e1n <\/a><\/p>\n<p><a href=\"https:\/\/aebanca.es\/wp-content\/uploads\/2019\/10\/the-use-and-adoption-of-crypto-assets.pdf\">The use and adoption of crypto assets. Demelza Hays and Andrei Kirilenko <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The development of crypto-assets, the challenges linked to both their growth capacity and their use by consumers, as well as the possibility of central banks issuing their own digital currencies, were the main topics of the third edition of the Banking Lab held today at CUNEF.<\/p>\n","protected":false},"featured_media":36434,"parent":0,"template":"","etiquetas":[],"categorias-blog":[780,784],"class_list":["post-36432","blog-aeb","type-blog-aeb","status-publish","has-post-thumbnail","hentry","categorias-blog-articles","categorias-blog-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca<\/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:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/crypto-assets-central-banks-and-financial-institutions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Blog AEB - 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