Portafolio Diversificado de Criptomonedas
Graduado en Economía en la Universidad de Carabobo-Vzla año 1981.
MBA en finanzas, Armstrong University USA 1985. Hoy redactor de contenidos para Binance.
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#2025withBinance Start your crypto story with the Year in Review from @Binance and share your best moments. #2025withBinance.
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Do you know where USDT comes from, who issues it, and how its value has a 1 to 1 parity with the
The company responsible for issuing USDT is Tether Limited, a subsidiary of Tether Holdings based in the British Virgin Islands. It was a pioneer in linking digital assets to the value of the US dollar, having been founded in 2014.
Tether, known by its ticker USDT, is the largest and most used stablecoin in the cryptocurrency world, with a market value of over 183 billion dollars.
It was born with the proposal to maintain a constant value, seeking parity with the US dollar in a one-to-one relationship. This feature is fundamental, as it offers the stability of fiat money within the volatile ecosystem of digital assets.
Tether, known by its ticker USDT, is the largest and most used stablecoin in the cryptocurrency world, with a market value of over 183 billion dollars.
It was born with the proposal to maintain a constant value, seeking parity with the US dollar in a one-to-one relationship. This feature is fundamental, as it offers the stability of fiat money within the volatile ecosystem of digital assets.
Current situation of the global economy
The global economic situation is one of deceleration, with projected growth around 2.8% for 2025, according to the United Nations. This slow pace is due to factors such as trade tensions, high debt, and geopolitical uncertainty, despite inflation decreasing and interest rates potentially easing. The outlook varies by region, with stronger growth expected in India and parts of Africa, while developed economies face a slowdown, as indicated in reports from the IMF and the World Bank.
7 central banks of South America meet for cryptocurrencies
Argentina, Chile, Colombia, Ecuador, Paraguay, Peru, and Uruguay participated in the annual meeting of Central Bank presidents of South America, focused on their current challenges.
1. The Central Bank of Paraguay hosted the meeting.
2. Tokenization and the regulation of crypto assets were topics of analysis at the meeting.
Argentina, Chile, Colombia, Ecuador, Paraguay, Peru, and Uruguay participated in the annual meeting of Central Bank presidents of South America, focused on their current challenges.
1. The Central Bank of Paraguay hosted the meeting.
2. Tokenization and the regulation of crypto assets were topics of analysis at the meeting.
Binance partners with the government in Argentina
The cryptocurrency exchange signed a collaboration with the Government of the City of Buenos Aires.
Binance, the cryptocurrency exchange with the highest global trading volume, and the Government of the Autonomous City of Buenos Aires (CABA), the Argentine capital, signed a collaboration agreement. This was announced by the company in a statement sent to CriptoNoticias.
The collaboration is to develop a joint program that promotes the safe and responsible adoption of cryptocurrencies in the city. This strategic agreement aims to promote technological innovation, financial inclusion, and education in the blockchain ecosystem. In this way, they hope to position the center of Buenos Aires as a pioneering city in the integration of emerging digital technologies.
This agreement represents a fundamental step to bring blockchain technology and cryptocurrencies into the daily lives of the citizens of Buenos Aires. At Binance, we believe that education and financial inclusion are essential pillars for a healthy and sustainable crypto ecosystem.
and trust in these new digital tools.
The cryptocurrency exchange signed a collaboration with the Government of the City of Buenos Aires.
Binance, the cryptocurrency exchange with the highest global trading volume, and the Government of the Autonomous City of Buenos Aires (CABA), the Argentine capital, signed a collaboration agreement. This was announced by the company in a statement sent to CriptoNoticias.
The collaboration is to develop a joint program that promotes the safe and responsible adoption of cryptocurrencies in the city. This strategic agreement aims to promote technological innovation, financial inclusion, and education in the blockchain ecosystem. In this way, they hope to position the center of Buenos Aires as a pioneering city in the integration of emerging digital technologies.
This agreement represents a fundamental step to bring blockchain technology and cryptocurrencies into the daily lives of the citizens of Buenos Aires. At Binance, we believe that education and financial inclusion are essential pillars for a healthy and sustainable crypto ecosystem.
and trust in these new digital tools.
Tether one of the digital currencies that will change finance and savings forever
The asset is used by more than 500 million people, surpassing the population of Brazil or the USA. The keys to its growth. With over 500 million active users, mostly concentrated in emerging markets and developing countries, Tether claims it has become the most massive channel for inclusion.
The audited report by BDO Italia shows that Tether International S.A. de C.V. closed the quarter with $181.200 billion in assets, of which $135.000 billion corresponds to US Treasury bonds, both in direct and indirect exposure.
The audited report by BDO Italia shows that Tether International S.A. de C.V. closed the quarter with $181.200 billion in assets, of which $135.000 billion corresponds to US Treasury bonds, both in direct and indirect exposure.
What guarantees the 1:1 parity between the dollar and USDT?
Amid the surge in the use of USDT in Venezuela, the same question arises again: what supports the promise that each token is equivalent to one dollar? The most recent quarterly report from Tether International, the issuer of USDT, audited by the firm BDO, provides new elements to answer it.
According to the report, as of the end of the third quarter of 2025, Tether had assets of 181.223 billion dollars against liabilities of 174.445 billion. This implies that there are more dollars and other backing assets than USDT in circulation. The 6.777 billion difference acts as excess reserves, a "buffer" that would cover potential mass withdrawals or unexpected market movements.
According to the report, as of the end of the third quarter of 2025, Tether had assets of 181.223 billion dollars against liabilities of 174.445 billion. This implies that there are more dollars and other backing assets than USDT in circulation. The 6.777 billion difference acts as excess reserves, a "buffer" that would cover potential mass withdrawals or unexpected market movements.
Preparing an app in Venezuela for banks to safeguard USDT
In Venezuela, an application is already under development for the country's banking system to safeguard stablecoins like USDT or other cryptocurrencies. This was revealed on Tuesday by Rodolfo Gasparri, president of Conexus, a company specialized in electronic transaction processing.
The executive revealed that the organization he leads already has a blockchain network, which he described as the foundation for the development that is underway. On this point, Gasparri did not provide details on what type of blockchain would be used, that is, whether it is public or if it is a private development.
The executive revealed that the organization he leads already has a blockchain network, which he described as the foundation for the development that is underway. On this point, Gasparri did not provide details on what type of blockchain would be used, that is, whether it is public or if it is a private development.
What is USDT and why has it become popular in Venezuela?
What about the dollars exchanged for Binance?, asks a young Venezuelan when asked about the digital currency USDT. Although the concept may not be clear to all citizens, this currency has become popular in Venezuela due to the scarcity and high demand for foreign currency, combined with the need to safeguard the value of bolívares.
Although most Venezuelans associate USDT with the Binance platform, this digital currency is available on various cryptocurrency exchange platforms, with Crixto App and Kontigo being the two authorized by the Superintendence of Crypto Assets (Sunacrip), as explained to El Pitazo by economist and professor at the Institute of Higher Studies in Administration (IESA) Aarón Olmos.
Although most Venezuelans associate USDT with the Binance platform, this digital currency is available on various cryptocurrency exchange platforms, with Crixto App and Kontigo being the two authorized by the Superintendence of Crypto Assets (Sunacrip), as explained to El Pitazo by economist and professor at the Institute of Higher Studies in Administration (IESA) Aarón Olmos.
Venezuela is the fourth country in Latin America with the highest circulation of cryptocurrencies, with a cumulative amount of 44.600 billion dollars between June 2022 and the same month of this year, according to the Crypto Geography Report 2025, prepared by Chainalysis.
The adoption of cryptocurrencies in Venezuela has accelerated due to problems arising from the constant devaluation of the bolívar, which, in the first place, generated a process of "de facto" dollarization and has now stimulated a growing adoption of crypto assets, especially USDT.
For the Venezuelan economy, Tether (USDT), a stablecoin linked to the value of the US dollar, designed to maintain a stable value of 1 dollar across various blockchain networks, has become a hedging mechanism against the loss of value of the bolívar and a declining supply of dollars.
The adoption of cryptocurrencies in Venezuela has accelerated due to problems arising from the constant devaluation of the bolívar, which, in the first place, generated a process of "de facto" dollarization and has now stimulated a growing adoption of crypto assets, especially USDT.
For the Venezuelan economy, Tether (USDT), a stablecoin linked to the value of the US dollar, designed to maintain a stable value of 1 dollar across various blockchain networks, has become a hedging mechanism against the loss of value of the bolívar and a declining supply of dollars.
The European Central Bank moves towards the digital euro: its launch could occur in 2029
The European Central Bank (ECB) has given new impetus to its ambitious project to create a digital euro. After successfully completing the preparatory phase—which included initial technical tests—the Governing Council of the ECB has approved the start of a new stage focused on developing the necessary technological and organizational foundations for a possible initial issuance in 2029.
The decision responds to the growing political and economic interest in modernizing European payment systems and adapting them to the digital environment. If the legislative proposal on the digital euro is approved by the Parliament and the Council of the European Union in 2026, the ECB expects to launch a pilot program in mid-2027, with the goal of achieving full operability two years later.
The decision responds to the growing political and economic interest in modernizing European payment systems and adapting them to the digital environment. If the legislative proposal on the digital euro is approved by the Parliament and the Council of the European Union in 2026, the ECB expects to launch a pilot program in mid-2027, with the goal of achieving full operability two years later.
The cryptocurrency market in Venezuela
The cryptocurrency market in Venezuela has a particular and significant behavior, largely driven by the country's economic situation.
Summary:
1. High Adoption and Growth
1.1 Shelter against Hyperinflation: The devaluation of the Bolívar and the difficulty in accessing foreign currency or bank accounts abroad have led many Venezuelans to use cryptocurrencies (especially stablecoins like USDT) as a savings mechanism to preserve the value of their wealth and as an alternative for payments and remittances.
Summary:
1. High Adoption and Growth
1.1 Shelter against Hyperinflation: The devaluation of the Bolívar and the difficulty in accessing foreign currency or bank accounts abroad have led many Venezuelans to use cryptocurrencies (especially stablecoins like USDT) as a savings mechanism to preserve the value of their wealth and as an alternative for payments and remittances.
Behavior of the cryptocurrency market 2025
The volatility of the cryptocurrency market in 2025 remains high, driven by macroeconomic factors, regulatory changes, and speculative dynamics.
The volatility of the cryptocurrency market in 2025 remains high.
Volatility in the crypto market: What's happening in 2025?
The year 2025 has witnessed significant volatility in the cryptocurrency market. Bitcoin, for example, has fluctuated between $100,000 and $126,000, while altcoins like Ethereum, Solana, and XRP have experienced sharp declines followed by rapid rebounds.
The volatility of the cryptocurrency market in 2025 remains high.
Volatility in the crypto market: What's happening in 2025?
The year 2025 has witnessed significant volatility in the cryptocurrency market. Bitcoin, for example, has fluctuated between $100,000 and $126,000, while altcoins like Ethereum, Solana, and XRP have experienced sharp declines followed by rapid rebounds.
Is the purchase and sale of cryptocurrencies legal in Spain?
In Spain, the purchase and sale of cryptocurrencies is legal,
but it is subject to the obligation to declare gains and assets in the income tax declaration. The possession of cryptocurrencies is legal and they can be acquired through specialized platforms or exchanges, stored in
digital wallets. Transactions are subject to taxes, and there are penalties for not declaring gains, such as fines or even prison sentences
for tax evasion.
Legality and use
1. Buying and selling: It is completely legal to buy and sell cryptocurrencies in Spain.
2. Legal tender: Cryptocurrencies are not legal tender
in Spain, so merchants are not required to accept them as payment, although many businesses do.
3. Storage: You can store your cryptocurrencies on exchanges (trading platforms) or in digital wallets (hardware or applications).
In Spain, the purchase and sale of cryptocurrencies is legal,
but it is subject to the obligation to declare gains and assets in the income tax declaration. The possession of cryptocurrencies is legal and they can be acquired through specialized platforms or exchanges, stored in
digital wallets. Transactions are subject to taxes, and there are penalties for not declaring gains, such as fines or even prison sentences
for tax evasion.
Legality and use
1. Buying and selling: It is completely legal to buy and sell cryptocurrencies in Spain.
2. Legal tender: Cryptocurrencies are not legal tender
in Spain, so merchants are not required to accept them as payment, although many businesses do.
3. Storage: You can store your cryptocurrencies on exchanges (trading platforms) or in digital wallets (hardware or applications).
ECB Faces Digital Euro Against Stablecoins
Piero Cipollone, member of the Executive Committee of the ECB, explained that the adoption of central bank money, including a digital euro, would serve to establish a European sovereign defense against stablecoins. He emphasized that stablecoins pose distinct risks to financial stability and the implementation of effective monetary policy.
The ECB highlights the relevance of the digital euro to address the growing adoption of stablecoins
The Facts:
Piero Cipollone, member of the Executive Committee of the European Central Bank (ECB), has highlighted the relevance of implementing a digital euro to counter the risks associated with the emergence of stablecoins in the Eurozone.
The ECB highlights the relevance of the digital euro to address the growing adoption of stablecoins
The Facts:
Piero Cipollone, member of the Executive Committee of the European Central Bank (ECB), has highlighted the relevance of implementing a digital euro to counter the risks associated with the emergence of stablecoins in the Eurozone.
ECB: The digital euro will be a reality and the change will be faster than you think
Digital currencies have been part of reality for several years now, and new modalities are emerging, such as the digital euro. This project by the European Union (EU) even has a date for its implementation, much sooner than we might imagine: 2027. Therefore, in less than two years, the electronic version of the euro will become a reality, issued and guaranteed by the European Central Bank (ECB), which aims to offer its citizens a public, stable, and widely accepted means of payment throughout the EU, both in physical and online stores.
New World Order (NWO)
The phrase "new world order" can refer to two distinct concepts: a historical period characterized by geopolitical changes and a conspiracy theory about a single global government. In the geopolitical realm, it is used to describe a reconfiguration of the balance of power on a global level. In the context of conspiracy theories, it refers to a plan to create a world government controlled by an elite.
New World Order in Geopolitics:
1. Historical Changes.- The expression "new world order" is often used to describe a transitional period in which significant changes occur in international relations, the balance of power, and political ideologies.
2. Historical Examples.- It has been used to refer to the situation after the end of World War II, the end of the Cold War, and the economic crisis of 2008.
3. Reconfiguration of Power.- It involves a reorganization of relationships between nations and the emergence of new actors on the international stage.
New World Order as a Conspiracy Theory:
1. World Government.- The conspiracy theory of the New World Order posits the idea of a single, bureaucratic government controlled by an economic and political elite, with the aim of taking control of the world.
2. Elitism and Plutocracy.- An elite with economic and political influence is identified as responsible for this plan.
3. Origin and Evolution.- The theory has had various interpretations and has been modified over time, adapting to different events and contexts.
In summary, the term "new world order" is ambivalent. It can refer to realistic changes in global geopolitics or to a conspiracy theory that posits the existence of a plan for a single world government.
The phrase "new world order" can refer to two distinct concepts: a historical period characterized by geopolitical changes and a conspiracy theory about a single global government. In the geopolitical realm, it is used to describe a reconfiguration of the balance of power on a global level. In the context of conspiracy theories, it refers to a plan to create a world government controlled by an elite.
New World Order in Geopolitics:
1. Historical Changes.- The expression "new world order" is often used to describe a transitional period in which significant changes occur in international relations, the balance of power, and political ideologies.
2. Historical Examples.- It has been used to refer to the situation after the end of World War II, the end of the Cold War, and the economic crisis of 2008.
3. Reconfiguration of Power.- It involves a reorganization of relationships between nations and the emergence of new actors on the international stage.
New World Order as a Conspiracy Theory:
1. World Government.- The conspiracy theory of the New World Order posits the idea of a single, bureaucratic government controlled by an economic and political elite, with the aim of taking control of the world.
2. Elitism and Plutocracy.- An elite with economic and political influence is identified as responsible for this plan.
3. Origin and Evolution.- The theory has had various interpretations and has been modified over time, adapting to different events and contexts.
In summary, the term "new world order" is ambivalent. It can refer to realistic changes in global geopolitics or to a conspiracy theory that posits the existence of a plan for a single world government.
Article for reflection: The financial crisis of 2008
The origin of the 2008 global economic crisis was in the U.S.
The financial crisis of 2008, also known as the Great Recession, was a global economic crisis that originated in the United States and rapidly spread worldwide. It was a liquidity and credit crisis that affected financial markets, the industrial sector, and employment globally.
Causes:
The crisis originated in the United States with the subprime mortgage crisis, which refers to mortgage loans granted to individuals with low credit risk. These loans were offered by banks and other financial institutions that, aiming to increase their profits, bundled them and resold them to other investors as if they were bonds.
The financial crisis of 2008, also known as the Great Recession, was a global economic crisis that originated in the United States and rapidly spread worldwide. It was a liquidity and credit crisis that affected financial markets, the industrial sector, and employment globally.
Causes:
The crisis originated in the United States with the subprime mortgage crisis, which refers to mortgage loans granted to individuals with low credit risk. These loans were offered by banks and other financial institutions that, aiming to increase their profits, bundled them and resold them to other investors as if they were bonds.
Growth projections of global economic outlooks 2024-2026
Source: International Monetary Fund (IMF)
Source: International Monetary Fund (IMF)
The global economy enters a new era
In a context of trade tensions and high uncertainty regarding policies, the way forward will be determined by how difficulties are confronted and opportunities are seized.
The international economic system in which most countries have operated for the last 80 years is resetting, marking the beginning of a new era for the world. Existing norms are being called into question, while new ones have yet to emerge. The wave of tariff announcements by the United States, which began in late January with Canada, China, Mexico, and several critical sectors, culminated in the almost widespread imposition of levies on April 2. The effective tariff rate of the United States has risen above the levels reached during the Great Depression, while the responses from its major trading partners have significantly raised the global rate.
As a result, an epistemic uncertainty and unpredictability regarding policies have emerged as the main factors behind economic prospects. If maintained, this sharp increase in tariffs and the resulting uncertainty will significantly slow global growth.
Source: International Monetary Fund (IMF)
In a context of trade tensions and high uncertainty regarding policies, the way forward will be determined by how difficulties are confronted and opportunities are seized.
The international economic system in which most countries have operated for the last 80 years is resetting, marking the beginning of a new era for the world. Existing norms are being called into question, while new ones have yet to emerge. The wave of tariff announcements by the United States, which began in late January with Canada, China, Mexico, and several critical sectors, culminated in the almost widespread imposition of levies on April 2. The effective tariff rate of the United States has risen above the levels reached during the Great Depression, while the responses from its major trading partners have significantly raised the global rate.
As a result, an epistemic uncertainty and unpredictability regarding policies have emerged as the main factors behind economic prospects. If maintained, this sharp increase in tariffs and the resulting uncertainty will significantly slow global growth.
Source: International Monetary Fund (IMF)
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