{"id":23291,"date":"2026-10-08T15:36:54","date_gmt":"2026-10-08T20:36:54","guid":{"rendered":"https:\/\/economiaconedmer.com\/economiaenserio\/?p=23291"},"modified":"2026-10-08T15:36:55","modified_gmt":"2026-10-08T20:36:55","slug":"los-pagos-locales-son-agiles-pero-los-externos-aun-son-demorados","status":"publish","type":"post","link":"https:\/\/economiaconedmer.com\/economiaenserio\/10\/08\/los-pagos-locales-son-agiles-pero-los-externos-aun-son-demorados\/digital\/2026\/","title":{"rendered":"Los pagos locales son \u00e1giles, pero los externos a\u00fan son demorados"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Bogot\u00e1, 8 de <\/strong><strong>octubre<\/strong><strong>\u00a0<\/strong><strong>de 2026.\u00a0<\/strong>Las\u00a0empresas\u00a0colombianas ampl\u00edan\u00a0sus\u00a0operaciones\u00a0en\u00a0una\u00a0regi\u00f3n\u00a0cuyo\u00a0comercio internacional\u00a0mantiene\u00a0un\u00a0ritmo\u00a0acelerado. De\u00a0acuerdo\u00a0con el BID, las\u00a0exportaciones\u00a0de\u00a0bienes\u00a0de Am\u00e9rica Latina y el Caribe\u00a0crecieron.\u00a0De\u00a0acuerdo\u00a0con el\u00a0reporte\u00a0de\u00a0Open FX<a href=\"https:\/\/www.openfx.com\/reports\/modern-payment-rails-for-emerging-markets\" target=\"_blank\" rel=\"noopener\"><em> <\/em><\/a><a href=\"https:\/\/www.openfx.com\/reports\/modern-payment-rails-for-emerging-markets%20\/h\" target=\"_blank\" rel=\"noopener\"><\/a><a href=\"https:\/\/www.openfx.com\/reports\/modern-payment-rails-for-emerging-markets\" target=\"_blank\" rel=\"noopener\"><em>C<\/em><em>onstruyendo<\/em><em>\u00a0<\/em><em>infraestructura<\/em><em>\u00a0moderna para mercados\u00a0<\/em><em>emergentes<\/em><\/a>, un\u00a0pago\u00a0bancario\u00a0tradicional\u00a0entre S\u00e3o Paulo y Bogot\u00e1,\u00a0ciudades\u00a0separadas\u00a0por\u00a0unos\u00a04.300\u00a0kil\u00f3metros,\u00a0puede pasar\u00a0por\u00a0hasta\u00a0siete\u00a0instituciones\u00a0y\u00a0seguir\u00a0una\u00a0ruta equivalente\u00a0a\u00a0m\u00e1s\u00a0de 11.000\u00a0kil\u00f3metros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En Colombia, Bre-B ha\u00a0consolidado\u00a0los\u00a0pagos\u00a0inmediatos\u00a0y, junto con SPEI\u00a0en\u00a0M\u00e9xico y\u00a0Pix\u00a0en\u00a0Brasil, ha elevado la expectativa sobre\u00a0la\u00a0velocidad\u00a0con la\u00a0que\u00a0puede\u00a0moverse\u00a0el dinero. El\u00a0reto\u00a0est\u00e1\u00a0en\u00a0extender\u00a0esa\u00a0agilidad\u00a0m\u00e1s\u00a0all\u00e1\u00a0de las\u00a0fronteras. Cuando\u00a0una\u00a0operaci\u00f3n\u00a0queda\u00a0en\u00a0tr\u00e1nsito\u00a0durante d\u00edas, ese capital no\u00a0est\u00e1\u00a0disponible para pagar proveedores, financiar operaciones o responder a\u00a0nuevas\u00a0oportunidades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Open FX\u00a0desarrolla\u00a0infraestructura\u00a0de\u00a0pagos\u00a0y\u00a0liquidez transfronteriza\u00a0para\u00a0proveedores\u00a0de\u00a0pagos\u00a0e\u00a0instituciones financieras, con un\u00a0equipo\u00a0latinoamericano\u00a0que\u00a0trabaja directamente\u00a0en\u00a0la\u00a0regi\u00f3n. La\u00a0compa\u00f1\u00eda\u00a0concentra\u00a0en\u00a0una misma\u00a0infraestructura\u00a0la\u00a0liquidez, la\u00a0gesti\u00f3n\u00a0de divisas y la\u00a0conexi\u00f3n\u00a0con\u00a0los\u00a0sistemas\u00a0locales de\u00a0pago, de modo que sus clientes puedan operar entre pa\u00edses sin desarttolar esas conexiones de forma\u00a0independiente\u00a0en\u00a0cada\u00a0mercado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1s del 90% de las\u00a0transacciones\u00a0en\u00a0la\u00a0plataforma\u00a0se\u00a0liquidan en\u00a0menos\u00a0de 60\u00a0minutos. En\u00a0contraste,\u00a0una\u00a0operaci\u00f3n\u00a0en\u00a0el mercado\u00a0tradicional\u00a0de divisas\u00a0puede\u00a0tardar\u00a0entre dos\u00a0y\u00a0cinco d\u00edas\u00a0h\u00e1biles\u00a0en\u00a0liquidarse,\u00a0seg\u00fan\u00a0cifras\u00a0compartidas\u00a0por\u00a0Reddy con Reuters\u00a0en\u00a0marzo\u00a0de 2026. La\u00a0plataforma\u00a0opera\u00a0en\u00a0m\u00e1s\u00a0de 40 divisas, entre\u00a0ellas\u00a0USD, EUR, GBP, MXN, BRL, AED y AUD.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u00abTrabajamos\u00a0desde\u00a0Am\u00e9rica Latina y\u00a0somos\u00a0parte\u00a0de mercados\u00a0que\u00a0tienen\u00a0realidades,\u00a0sistemas\u00a0de\u00a0pago\u00a0y\u00a0necesidades\u00a0muy\u00a0distintas.\u00a0Conocemos\u00a0de\u00a0cerca\u00a0esas<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>diferencias\u00a0y\u00a0esa\u00a0experiencia\u00a0regional forma\u00a0parte\u00a0de\u00a0c\u00f3mo construimos\u00a0Open FX. Al\u00a0mismo\u00a0tiempo,\u00a0vemos\u00a0algo\u00a0en com\u00fan: las\u00a0empresas\u00a0y las personas\u00a0operan\u00a0cada\u00a0vez\u00a0m\u00e1s entre\u00a0pa\u00edses\u00a0y\u00a0necesitan\u00a0que\u00a0el capital\u00a0pueda\u00a0acompa\u00f1arlas. Esa\u00a0evoluci\u00f3n\u00a0est\u00e1\u00a0dando\u00a0forma a\u00a0una\u00a0nueva\u00a0liquidez,\u00a0m\u00e1s conectada\u00a0con la\u00a0manera\u00a0en\u00a0que\u00a0hoy se\u00a0hacen\u00a0negocios\u00a0en\u00a0la\u00a0regi\u00f3n\u00bb,\u00a0<\/em>destac\u00f3\u00a0<strong>Catherine Kaupert,\u00a0directora\u00a0para Am\u00e9rica Latina de\u00a0OpenFX.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El\u00a0objetivo\u00a0es\u00a0que\u00a0mover capital entre\u00a0pa\u00edses\u00a0pueda\u00a0ser tan\u00a0\u00e1gil\u00a0y\u00a0transparente\u00a0como\u00a0hacerlo\u00a0a\u00a0nivel\u00a0local. Los\u00a0negocios operan\u00a0de forma continua y las\u00a0oportunidades\u00a0no\u00a0esperan\u00a0a\u00a0que\u00a0abra un mercado o un banco. La\u00a0infraestructura\u00a0financiera tampoco\u00a0puede\u00a0hacerlo. La\u00a0visi\u00f3n\u00a0es\u00a0que\u00a0el dinero\u00a0pueda moverse\u00a0entre mercados con la\u00a0misma\u00a0fluidez\u00a0con la\u00a0que\u00a0hoy se\u00a0mueve\u00a0la\u00a0informaci\u00f3n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bogot\u00e1, 8 de octubre\u00a0de 2026.\u00a0Las\u00a0empresas\u00a0colombianas ampl\u00edan\u00a0sus\u00a0operaciones\u00a0en\u00a0una\u00a0regi\u00f3n\u00a0cuyo\u00a0comercio internacional\u00a0mantiene\u00a0un\u00a0ritmo\u00a0acelerado. De\u00a0acuerdo\u00a0con el BID, las\u00a0exportaciones\u00a0de\u00a0bienes\u00a0de Am\u00e9rica Latina y el Caribe\u00a0crecieron.\u00a0De\u00a0acuerdo\u00a0con el\u00a0reporte\u00a0de\u00a0Open FX Construyendo\u00a0infraestructura\u00a0moderna para mercados\u00a0emergentes, un\u00a0pago\u00a0bancario\u00a0tradicional\u00a0entre S\u00e3o Paulo y Bogot\u00e1,\u00a0ciudades\u00a0separadas\u00a0por\u00a0unos\u00a04.300\u00a0kil\u00f3metros,\u00a0puede pasar\u00a0por\u00a0hasta\u00a0siete\u00a0instituciones\u00a0y\u00a0seguir\u00a0una\u00a0ruta equivalente\u00a0a\u00a0m\u00e1s\u00a0de 11.000\u00a0kil\u00f3metros. En Colombia, Bre-B ha\u00a0consolidado\u00a0los\u00a0pagos\u00a0inmediatos\u00a0y, junto con SPEI\u00a0en\u00a0M\u00e9xico y\u00a0Pix\u00a0en\u00a0Brasil, ha elevado la expectativa sobre\u00a0la\u00a0velocidad\u00a0con la\u00a0que\u00a0puede\u00a0moverse\u00a0el dinero. El\u00a0reto\u00a0est\u00e1\u00a0en\u00a0extender\u00a0esa\u00a0agilidad\u00a0m\u00e1s\u00a0all\u00e1\u00a0de las\u00a0fronteras. Cuando\u00a0una\u00a0operaci\u00f3n\u00a0queda\u00a0en\u00a0tr\u00e1nsito\u00a0durante d\u00edas, ese capital no\u00a0est\u00e1\u00a0disponible para pagar proveedores, financiar&#8230;<\/p>\n","protected":false},"author":9,"featured_media":23292,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-23291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital"],"_links":{"self":[{"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/posts\/23291","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/comments?post=23291"}],"version-history":[{"count":1,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/posts\/23291\/revisions"}],"predecessor-version":[{"id":23293,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/posts\/23291\/revisions\/23293"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/media\/23292"}],"wp:attachment":[{"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/media?parent=23291"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/categories?post=23291"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/tags?post=23291"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}