Latin Fest 2025 crypto: challenges, opportunities and new cases of use for stablecoins in Latam

In it Latin Fest cryptrepresentatives of several projects and institutions agreed that the stablecoins are the key piece for financial inclusion in the region, but alerted about the risks of poorly designed regulations.

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• Remittance and cross -border payments mark the main use.
• A debate was generated around the risks and opportunities that open regulations.
• The speakers agree that Stablecoins promote financial inclusion.

Last Thursday, August 21, in the spaces of the Medellín Botanical Garden, The first day of conferences of the new edition of the Latin Fest crypt, event that this year returned to Colombian territory to share with the attendees information about cryptocurrencies, technology Blockchain, artificial intelligence and many other current issues.

During the morning conference cycle yesterday, a panel entitled was held “Stablecoins in Latam: the piece that was missing in financial inclusion”. The conversation brought together representatives of companies and organizations of the ecosystem such as Manuel Ferrari (Argentina Bitcoin/Money On Chain), Estefanía Granados (Wenia), Johan Hernández (TowerBank), Lina Escarga (Zeal/ccop) and Álvaro Olivares (Bitgo).

The discussion focused on the role of Stablecoins to expand access to financial services in non -banking communities, their growing use in international remittances and payments, and the debate on the impact of regulations on the region.

Stablecoins as a financial inclusion tool

Lina Escarga, representative of Zeal and CCOP, He explained that Stablecoins are reaching communities through infrastructure, specific tools and use cases. He pointed out that access to products DEFI As savings, loans or investments in liquidity pools it is complemented by sending remittances, where users benefit from lower costs and transfer times.

For its part, Estefanía Granados de Wenia, He stressed that in Colombia it is not possible USDC He added that they offer rewards of up to 6% per year in this currency, seeing special value in the remittance market in Colombia, which already exceeds that of the oil sector.

Granados also presented the product “Global accounts”, which allows you to receive payments in dollars from abroad and turn them into stablecoins that users can use within the platform. This solution seeks to address the problems faced by Colombian people and entities by wanting to receive funds from abroad, since it is not possible for banks to admit accounts in dollars or other international currencies beyond Colombian peso.

Experiences from banking and business sector

Regarding the experience seen from the bank and the financial sectors, Johan Hernández, of TowerBank, He stood out as the stablcoins see adoption according to the panoramas of each country.

In the case of Bolivia, where companies could not access dollars for a while, after the prohibition for crypto operations, companies began to use Stablecoins to pay international suppliers. He explained that in Panama, where the company operates, these assets are also used to facilitate transactions to countries where it is not possible to directly trace with the US currency.

According to Hernández, today the stablecoins already have a space earned, so the bank must adapt to understand digital assets and ensure safe operations.

Álvaro Olivares, from Bitgo, He raised the question of how to climb the stablecoins to the commercial sector. He pointed out that many businesses traditionally did not have access to the currency market, but Stablecoins open new opportunities. He stressed that when governments implement regulations, companies tend to get closer to this ecosystem.

He explained that in Brazil the adoption occurs because it is cheaper to operate with these assets, while in Venezuela the stablecoins are practically the only option available for international trade. He clarified that it is not a technological choice, but an economic need.

Regulation: between opportunity and risk

One of the most intense segments of the panel was the debate on the regulation of the stablcoins. The speakers agreed that the existence of clear rules can open the door to greater security and competition, but also warned that a normative excess can suffocate innovation and exclude millions of users.

In favor of regulation, Granados said that establishing robust legal frameworks is essential to protect customers, attract more actors to the market and give confidence to users. On the other hand, Escarga coincided with the need for guidelines, although he emphasized that decentralization should be maintained as a restriction -free option for those who seek financial independence.

On the critical side, Ferrari warned that restrictive regulations can play against society. He recalled that in Argentina the restrictions on currency access led to the rise of Bitcoin, Precisely because it could not be regulated. According to your vision, Bad regulation can even destroy economies and markets.

Hernández proposed an intermediate point: work with regulators, as happened in Panama, to avoid over -regulation that closes doors to the ecosystem. Meanwhile, Olivares mentioned that the entrance of large companies such as Cloud In Brazil, it demonstrates that regulatory accompaniment can facilitate mass adoption.

This visions contrast reflected a general consensus: Convenient regulations benefit everyone, but those poorly designed represent a risk that could stop innovation and limit financial inclusion.

International growth prospects

Finally, the speakers agreed that the future of the stablcoins depends on a balance between regulatory and safety flexibility for users. Granados mentioned the case of the United States and the Genius Act, An initiative that is expected to drive the weight of the stablecoins globally by modifying rules on reserves.

According to Hernández, a key aspect is the traceability offered by Stablecoins, since it provides more information to regulators and institutions, which in turn generates confidence in the system. Finally, Escarga closed the discussion by raising the importance of reaching non -banking communities and providing real alternatives to people excluded from the traditional financial system.

Angel Di Matteo / article Diariobitcoin

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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.

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