Digital Assets Forum Colombia: Is it possible to integrate crypto with traditional finances?

The speakers reviewed the challenges and opportunities offered by the integration of the cryptocurrency sector with traditional finances, this in the light of regulatory news in Colombia.

***

• Experts highlighted the potential for crypto for remittances, financial inclusion and dollars.
• The regulation was identified as the key to safe and transparent integration.
• Challenges and opportunities were raised to connect Tradfi and defi.

Recently the Digital Assets Forum Colombia 2025event organized by Digital Assets Hub, which brought together local and international figures in the sector Blockchain and cryptocurrencies. The meeting had as its central axis the review of the current state of regulations and business models on digital assets in Latin America.

The last of the conversations of the edition examined how it would be possible to connect to the digital currency sector with the global financial system, which was attended by Mauricio Tovar (Tropykus), Carlos Jaramillo (Chainysis), José Burbano (Davivienda), and the moderation of Daniela Jaime (Colombia Fintech). Here what the sectors offer Defi and tradfi, as well as the possibility of integrating both ecosystems.

Friction between crypto and banking: complement or competition?

One of the central themes was the current regulatory barrier. According to Burbano, who spoke from his work experience in Davivienda, Current regulations prevent Colombian banks from offering crypto servicesalthough he acknowledges that there is institutional appetite for this integration.

“The objective should be to improve the user services offer”he said. Crypt offers alternatives such as dollars, competitive yields and remittance options with lower costsbut currently the banks are prevented from operating in that space, he explained.

For his part, Tovar mentioned the New US Law. which imposes a 3.5% tariff on remittances. Here, he stressed that a window opens so that cryptocurrencies offer more efficient solutions, so it invites companies to think about this type of products and services. He warns that if they do not simply, another will come and occupy that space.

Jaramillo stressed that in order to take the passage of an eventual integration “A clear and fair frame is required that allows innovation without neglecting user protection.” Therefore, the regulations are elementary to give green light to many interested actors.

The potential of DEFI For inclusion and efficiency

Tovar, from the vision of Defi, He stressed that these technologies reproduce financial services without intermediariesas loans and savings, automatically. He affirmed that the traditional financial system Leave about 850 million people out in the worldso decentralized finances open a window to address that exclusion.

However, Tovar and Jaramillo recognize that DEFI It is still a young technologywith important challenges in cybersecurity, user experience and regulatory compliance. One of the most delicate points is compliance with standards Kyc, where traditional systems still dominate.

The key, according to Tovar, is to demonstrate that DEFI It can operate with similar levels of transparency and compliance without losing its decentralized essence.

Education, regulation and technology: a possible integration

The speakers agreed that to achieve effective integration, Regulation must evolve towards clear, proportional and adapted schemes to the technological rhythm. Banking, meanwhile, should adopt a more open position to collaborate with solutions based on Blockchain, although it will depend on whether the law allows it.

One of the proposed approaches was to implement Systems of Kyt (Know Your Transaction) as an alternative or complement to the traditional Kyc. This would allow institutions to evaluate risks without compromising privacy and decentralization that characterize many crypto platforms.

The importance of attract companies with international experience that contribute capital, technology and knowledge. The challenge is to achieve a balance between innovation and security, without stopping the evolution of new financial tools.

Latin America as the protagonist of change

Experts recalled that Latin America is currently The second region of the world with greater crypto adoptionwhich represents both a great opportunity and a source of vulnerabilities if it is not accompanied with adequate frames.

In this context, and as it was seen in previous conferences, Colombia is emerging as a strategic actornot only for its emerging technological ecosystem, but also for their institutional interest in exploring these tools, as demonstrated by the participation of Davivienda in the National Regulatory Sandbox.

The final message of the forum was clear: If bridges are built between DEFI and Tradfi, Latin America can lead a new era of financial inclusion, efficiency and transparency.

Angel Di Matteo / article Diariobitcoin

Image of Diariobitcoin

WARNING: Diariobitcoin offers informative and educational content on various topics, including cryptocurrencies, AI, technology and regulations. We do not provide financial advice. Cryptactive investments are high risk and may not be adequate for all. Investigate, consult an expert and verify the applicable legislation before investing. I could lose all its capital.

Subscribe to our newsletter