El criptoactivo como instrumento de pago, un caso práctico en México (The Cryptoasset As a Payment Instrument, a Case Study in Mexico)

16 Pages Posted: 13 Jul 2018

See all articles by Eloisa Cadenas M.

Eloisa Cadenas M.

National Autonomous University of Mexico (UNAM)

Date Written: May 13, 2017

Abstract

Spanish Abstract: El bitcoin es el primer criptoactivo y el más popular, su origen se basa en el principio de un sistema monetario libre que le permita a las personas realizar transacciones sin intermediarios. Desde su existencia, en 2008, su popularidad creció exponencialmente y sus principales funciones impactaron en dos actividades fundamentales: medio de pago e inversión. En el presente trabajo, se realiza un ejercicio práctico sobre algunas ventajas que puede brindar el bitcoin como una forma de pago. La metodología consiste en tomar como muestra el pago de un consumo diario al azar realizado con tarjeta de débito o crédito y calcular las tasas de descuento durante 30 días con los tres tipos de pago: tarjeta de débito (TDD), tarjeta de crédito (TDC) y bitcoin (BTC) y posteriormente realizar el cálculo anual para determinar los montos totales anuales para cada una de las tasas correspondientes a las formas de pago. Al final se concluye que el uso del bitcoin como una forma de pago, puede brindar ahorros importantes en comisiones.

English Abstract: Bitcoin is the first cryptoasset and the most popular; its origin is based on the principle of a free monetary system that allows people to make transactions without intermediaries. Since its existence, in 2008, its popularity grew exponentially and its main functions impacted on two fundamental activities: payment method and investment. In the present work, a practical exercise is carried out on some advantages that bitcoin can offer as a payment method. The methodology consists of taking as a sample the payment of a random daily consumption made with a debit or credit card and calculating the discount rates during 30 days with the three types of payment: debit card (TDD), credit card (TDC) and bitcoin (BTC) and later perform the annual calculation to determine the total annual amounts for each one of the rates corresponding to the forms of payment. In the end it is concluded that the use of bitcoin as a form of payment, can provide significant savings in commissions.

Note: Downloadable document is in Spanish.

Keywords: métodos de pago, bitcoin, criptomonedas, fintech, ecommerce

JEL Classification: M0, L1, L2

Suggested Citation

Cadenas, Eloisa, El criptoactivo como instrumento de pago, un caso práctico en México (The Cryptoasset As a Payment Instrument, a Case Study in Mexico) (May 13, 2017). Available at SSRN: https://ssrn.com/abstract=3153096 or http://dx.doi.org/10.2139/ssrn.3153096

Eloisa Cadenas (Contact Author)

National Autonomous University of Mexico (UNAM) ( email )

Mexico

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