Uso de criptoactivos en pymes latinoamericanas para la economía digital

Abstract

The purpose of the article is to analyze the possibilities of SMEs to use crypto assets as a financial strategy in the context of the digital economy in Latin America. It is the product of a documentary investigation in which scientific articles and publications from recognized web pages in the cryptographic field were analyzed. First, the subject is introduced by analyzing globalization in the digital economy, the evolution of the exchange of value; the birth and adoption of cryptocurrencies; the adoption of cryptocurrencies in Latin America; and cryptoactives and their use in SMEs are analyzed. Subsequently, the benefits and risks of the use of cryptoactives will be analyzed to then develop the challenges of SMEs in the use of cryptoactives. As a result, it is obtained that either the SMEs resort to their ico participants by investing in their tokens; that they create new icos to finance their digital projects; or who decide to support icos by mining tokens, there are risks and challenges that slow down its massive adoption, making the future of said adoption still plagued with uncertainty due to its high volatility. Especially, given the characteristics of crypto assets of being vulnerable to the effects of the speculative actions of whales that contribute to the instability of their prices. Hence, the possibilities of use for commercial exchange in Latin American SMEs differ to the extent that training and training are promoted in them and in the general public. This seems like the most appropriate strategy to consider the use of cryptoactives. This, since a regulatory framework contributes to reducing the risk of fraud, as well as the use of cryptoactive transactions for money laundering as a result of illegal activities that find possibilities in the anonymity of cryptoactives.