\u010cL\u00c1NOK POKRA\u010cUJE POD REKLAMOU<\/p>\n
Kryptomeny sa postupne st\u00e1vaj\u00fa s\u00fa\u010das\u0165ou na\u0161ich bankov\u00fdch aplik\u00e1ci\u00ed. Eur\u00f3pske banky postupne menia svoj pr\u00edstup k tomuto odvetviu a za\u010d\u00ednaj\u00fa ich integrova\u0165 priamo do svojich finan\u010dn\u00fdch slu\u017eieb<\/a>. E\u0161te pred nieko\u013ek\u00fdmi rokmi mnoh\u00e9 z nich blokovali transakcie smeruj\u00face na kryptoburzy. Dnes v\u0161ak pon\u00fakaj\u00fa n\u00e1kup a spr\u00e1vu digit\u00e1lnych akt\u00edv priamo v mobiln\u00fdch aplik\u00e1ci\u00e1ch pre retailov\u00fdch klientov.<\/p>\n Pod\u013ea \u00fadajov zverejnen\u00fdch v polovici marca 2026 u\u017e osem z dvadsiatich najv\u00e4\u010d\u0161\u00edch eur\u00f3pskych b\u00e1nk poskytuje kryptomenov\u00e9 slu\u017eby vo ve\u013ekom rozsahu. Zmenu umo\u017enil najm\u00e4 regula\u010dn\u00fd r\u00e1mec MiCA (Markets in Crypto-Assets), ktor\u00fd priniesol pr\u00e1vnu istotu pre finan\u010dn\u00e9 in\u0161tit\u00facie. S\u00fa\u010dasne rastie tlak konkurencie zo strany fintech platforiem, ktor\u00e9 klientom pon\u00fakaj\u00fa jednoduch\u00fd pr\u00edstup k digit\u00e1lnym akt\u00edvam, p\u00ed\u0161e Phemex<\/a>.\u00a0<\/p>\n Kryptomeny ako nov\u00e1 s\u00fa\u010das\u0165 bankov\u00fdch aplik\u00e1ci\u00ed<\/p>\n Kryptomeny sa postupne st\u00e1vaj\u00fa s\u00fa\u010das\u0165ou be\u017en\u00fdch bankov\u00fdch slu\u017eieb<\/a> v Eur\u00f3pe. Medzi banky, ktor\u00e9 u\u017e spustili kryptomenov\u00e9 produkty pre retailov\u00fdch aj in\u0161titucion\u00e1lnych klientov, patria napr\u00edklad Santander, BBVA, BPCE \u010di belgick\u00e1 KBC. Tieto in\u0161tit\u00facie umo\u017e\u0148uj\u00fa klientom obchodova\u0165 s kryptomenami alebo vyu\u017e\u00edva\u0165 \u00faschovu digit\u00e1lnych akt\u00edv priamo v r\u00e1mci bankov\u00fdch aplik\u00e1ci\u00ed.<\/p>\n Nemeck\u00e1 DZ Bank z\u00edskala v janu\u00e1ri povolenie od finan\u010dn\u00e9ho regul\u00e1tora BaFin na spustenie platformy meinKrypto. T\u00e1 m\u00e1 postupne fungova\u0165 naprie\u010d sie\u0165ou dru\u017estevn\u00fdch b\u00e1nk a spr\u00edstupni\u0165 kryptomenov\u00e9 slu\u017eby \u0161ir\u0161iemu okruhu klientov. Pod\u013ea analytika Richarda Fetyka v\u0161ak zatia\u013e nejde o \u00faplne plo\u0161n\u00e9 nasadenie. Len osem z dvadsiatich najv\u00e4\u010d\u0161\u00edch eur\u00f3pskych b\u00e1nk poskytuje slu\u017eby vo ve\u013ekom rozsahu. Mnoh\u00e9 \u010fal\u0161ie sa st\u00e1le nach\u00e1dzaj\u00fa v pilotnej alebo testovacej f\u00e1ze, uv\u00e1dza Kryptomagaz\u00edn<\/a>.\u00a0<\/p>\n K\u013e\u00fa\u010dov\u00fa \u00falohu zohrala legislat\u00edva MiCA, ktor\u00e1 odstr\u00e1nila v\u00fdznamn\u00fa \u010das\u0165 regula\u010dnej neistoty. Banky tak m\u00f4\u017eu vst\u00fapi\u0165 do kryptosektora bez rizika pr\u00e1vnych sporov a z\u00e1rove\u0148 z\u00edskava\u0165 poplatky z obchodovania, ktor\u00e9 doteraz dominovali kryptoburz\u00e1m. Na zmenu vpl\u00fdva aj spr\u00e1vanie klientov. Kapit\u00e1l sa u\u017e pres\u00faval na fintech platformy ako Revolut, Trade Republic \u010di Bitstack. Banky preto \u010doraz viac vn\u00edmaj\u00fa kryptomeny ako s\u00fa\u010das\u0165 \u0161ir\u0161ieho finan\u010dn\u00e9ho ekosyst\u00e9mu.\u00a0<\/p>\n S\u00faboj o digit\u00e1lnu finan\u010dn\u00fa suverenitu<\/p>\n Okrem samotn\u00e9ho obchodovania s kryptomenami sa eur\u00f3pske banky zameriavaj\u00fa aj na infra\u0161trukt\u00faru digit\u00e1lnych platieb. Na trhu toti\u017e dominuj\u00fa stabiln\u00e9 mince naviazan\u00e9 na americk\u00fd dol\u00e1r, ktor\u00e9 pod\u013ea odhadov tvoria pribli\u017ene 99 % celkov\u00e9ho objemu stablecoinov. To znamen\u00e1, \u017ee aj platby medzi eur\u00f3pskymi subjektmi \u010dasto prech\u00e1dzaj\u00fa cez infra\u0161trukt\u00faru orientovan\u00fa na americk\u00fa menu. Niektor\u00e9 banky preto pova\u017euj\u00fa vznik eur\u00f3pskeho rie\u0161enia za strategick\u00fa ot\u00e1zku.<\/p>\n Dvan\u00e1s\u0165 finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed vr\u00e1tane BNP Paribas, ING a UniCredit vytvorilo konzorcium Qivalis. Cie\u013eom projektu je vyda\u0165 stablecoin kryt\u00fd eurom, ktor\u00fd bude plne kompatibiln\u00fd s regul\u00e1ciou MiCA. Pl\u00e1novan\u00fd stablecoin m\u00e1 umo\u017eni\u0165 vyrovnanie platieb na blockchaine v re\u017eime 24 hod\u00edn denne a sedem dn\u00ed v t\u00fd\u017edni. Banky o\u010dak\u00e1vaj\u00fa, \u017ee tento syst\u00e9m zefekt\u00edvni riadenie likvidity a zr\u00fdchli cezhrani\u010dn\u00e9 transakcie.<\/p>\n Gener\u00e1lny riadite\u013e projektu Qivalis Jan-Oliver Sell uviedol, \u017ee nov\u00fdm ekonomick\u00fdm faktorom sa st\u00e1va r\u00fdchlos\u0165 vykonania transakcie \u010di vyrovnania sa. Projekt z\u00e1rove\u0148 reaguje na \u0161ir\u0161iu diskusiu o digit\u00e1lnej suverenite Eur\u00f3py. Pod\u013ea Sella u\u017e finan\u010dn\u00fa nez\u00e1vislos\u0165 neur\u010duj\u00fa len hranice \u0161t\u00e1tov, ale najm\u00e4 kontrola nad d\u00e1tami a platobn\u00fdmi tokmi.<\/p>\n Regul\u00e1cia MiCA<\/p>\n Nariadenie Markets in Crypto-Assets (MiCA) predstavuje prv\u00fd komplexn\u00fd regula\u010dn\u00fd r\u00e1mec pre kryptomenov\u00fd sektor v Eur\u00f3pskej \u00fanii. Stanovuje pravidl\u00e1 pre poskytovate\u013eov kryptomenov\u00fdch slu\u017eieb, ochranu investorov aj vyd\u00e1vanie stablecoinov.<\/p>\n Pre banky znamen\u00e1 najm\u00e4 jasn\u00e9 pr\u00e1vne prostredie, upozor\u0148uje Tradingview<\/a>. To bankov\u00fdm domom umo\u017e\u0148uje vstup do kryptomenov\u00fdch slu\u017eieb bez v\u00fdrazn\u00fdch regula\u010dn\u00fdch riz\u00edk.<\/p>\n Z odporcov slu\u017eieb sa st\u00e1vaj\u00fa ich poskytovatelia<\/p>\n Eur\u00f3pske banky prech\u00e1dzaj\u00fa v\u00fdraznou zmenou strat\u00e9gie vo\u010di kryptomen\u00e1m. Z in\u0161tit\u00faci\u00ed, ktor\u00e9 e\u0161te ned\u00e1vno blokovali kryptotransakcie, sa postupne st\u00e1vaj\u00fa poskytovatelia digit\u00e1lnych finan\u010dn\u00fdch slu\u017eieb.<\/p>\n K\u013e\u00fa\u010dov\u00fdm faktorom je regul\u00e1cia MiCA, ktor\u00e1 priniesla pr\u00e1vnu istotu pre banky aj investorov. S\u00fa\u010dasne rastie konkurencia fintech spolo\u010dnost\u00ed, ktor\u00e9 u\u017e kryptomeny pon\u00fakaj\u00fa vo ve\u013ekom rozsahu.<\/p>\n Nasleduj\u00facou etapou v\u00fdvoja m\u00f4\u017ee by\u0165 vznik eurov\u00e9ho stablecoinu a budovanie vlastnej blockchainovej infra\u0161trukt\u00fary pre finan\u010dn\u00e9 vyrovnanie. Eur\u00f3pske banky tak po rokoch opatrnosti vstupuj\u00fa do f\u00e1zy akt\u00edvneho budovania digit\u00e1lneho finan\u010dn\u00e9ho syst\u00e9mu.<\/p>\n \n \u010c\u00edtaj viac z kateg\u00f3rie: Zauj\u00edmavosti<\/a>\n <\/p>\n \n \u010eakujeme, \u017ee \u010d\u00edta\u0161 Startitup. V pr\u00edpade, \u017ee m\u00e1\u0161 postreh alebo si na\u0161iel v \u010dl\u00e1nku chybu, nap\u00ed\u0161 n\u00e1m na redakcia@startitup.sk<\/a>.\n <\/p>\n Zdroje: Phemex<\/a>, Kryptomagaz\u00edn<\/a>, Tradingview<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"\u010cL\u00c1NOK POKRA\u010cUJE POD REKLAMOU Kryptomeny sa postupne st\u00e1vaj\u00fa s\u00fa\u010das\u0165ou na\u0161ich bankov\u00fdch aplik\u00e1ci\u00ed. Eur\u00f3pske banky postupne menia svoj pr\u00edstup…\n","protected":false},"author":2,"featured_media":26022,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[327,57,56,55,3875,43,40,42,8431],"class_list":{"0":"post-26021","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-europa","8":"tag-banky","9":"tag-eu","10":"tag-europa","11":"tag-europe","12":"tag-kryptomeny","13":"tag-sk","14":"tag-slovak","15":"tag-slovencina","16":"tag-sluzby"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116279051757385755","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/26021","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=26021"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/26021\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/26022"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=26021"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=26021"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=26021"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}