{"id":12427,"date":"2026-05-03T19:37:24","date_gmt":"2026-05-03T12:37:24","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/03\/thanh-toan-bang-stablecoin-bi-cam-trong-giao-dich-xuyen-bien-gioi-tai-brazil\/"},"modified":"2026-05-03T19:37:24","modified_gmt":"2026-05-03T12:37:24","slug":"thanh-toan-bang-stablecoin-bi-cam-trong-giao-dich-xuyen-bien-gioi-tai-brazil","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/03\/thanh-toan-bang-stablecoin-bi-cam-trong-giao-dich-xuyen-bien-gioi-tai-brazil\/","title":{"rendered":"Thanh to\u00e1n b\u1eb1ng Stablecoin b\u1ecb c\u1ea5m trong giao d\u1ecbch xuy\u00ean bi\u00ean gi\u1edbi t\u1ea1i Brazil"},"content":{"rendered":"
\n

Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng Brazil (BCB) v\u1eeba ch\u00ednh th\u1ee9c ph\u00e1t \u0111i th\u00f4ng \u0111i\u1ec7p c\u1ee9ng r\u1eafn khi \u00e1p \u0111\u1eb7t l\u1ec7nh c\u1ea5m \u0111\u1ed1i v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng stablecoin v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed nh\u01b0 c\u00f4ng c\u1ee5 thanh to\u00e1n trong c\u00e1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n xuy\u00ean bi\u00ean gi\u1edbi. \u0110\u1ed9ng th\u00e1i n\u00e0y \u0111\u00e1nh d\u1ea5u m\u1ed9t b\u01b0\u1edbc ngo\u1eb7t quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ecbnh h\u00ecnh l\u1ea1i h\u1ec7 th\u1ed1ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed ngo\u1ea1i h\u1ed1i (eFX), n\u01a1i c\u00e1c th\u1ef1c th\u1ec3 fintech v\u00e0 t\u1ed5 ch\u1ee9c thanh to\u00e1n t\u1eebng xem t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0 m\u1ed9t “\u0111\u01b0\u1eddng ray” trung chuy\u1ec3n hi\u1ec7u qu\u1ea3. L\u1ec7nh c\u1ea5m n\u00e0y kh\u00f4ng nh\u1eafm v\u00e0o quy\u1ec1n s\u1edf h\u1eefu c\u00e1 nh\u00e2n, m\u00e0 nh\u1eafm tr\u1ef1c ti\u1ebfp v\u00e0o c\u1ea5u tr\u00fac h\u1ea1 t\u1ea7ng t\u00e0i ch\u00ednh ph\u00eda sau (back-end) v\u1ed1n \u0111ang v\u1eadn h\u00e0nh d\u1ef1a tr\u00ean blockchain.<\/p>\n

\n \"Thanh
\u1ea2nh t\u1eeb ngu\u1ed3n: coindesk.com<\/em><\/figcaption><\/figure>\n

C\u00fa r\u1ebd h\u01b0\u1edbng trong h\u1ec7 th\u1ed1ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed Brazil<\/h2>\n

Quy\u1ebft \u0111\u1ecbnh t\u1eeb Ngh\u1ecb quy\u1ebft BCB s\u1ed1 561, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1 th\u00e1ng 10 t\u1edbi, \u0111\u00e3 thi\u1ebft l\u1eadp m\u1ed9t ranh gi\u1edbi r\u00f5 r\u00e0ng cho c\u00e1c \u0111\u01a1n v\u1ecb cung c\u1ea5p d\u1ecbch v\u1ee5 eFX t\u1ea1i Brazil. Theo \u0111\u00f3, m\u1ecdi giao d\u1ecbch thanh to\u00e1n gi\u1eefa nh\u00e0 cung c\u1ea5p eFX v\u00e0 \u0111\u1ed1i t\u00e1c n\u01b0\u1edbc ngo\u00e0i b\u1eaft bu\u1ed9c ph\u1ea3i th\u1ef1c hi\u1ec7n th\u00f4ng qua c\u00e1c k\u00eanh ngo\u1ea1i h\u1ed1i truy\u1ec1n th\u1ed1ng ho\u1eb7c c\u00e1c t\u00e0i kho\u1ea3n th\u1ef1c b\u1eb1ng \u0111\u1ed3ng Real kh\u00f4ng c\u01b0 tr\u00fa. Vi\u1ec7c s\u1eed d\u1ee5ng USDT, USDC hay Bitcoin l\u00e0m c\u00f4ng c\u1ee5 trung gian \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c kho\u1ea3n thanh to\u00e1n xuy\u00ean qu\u1ed1c gia ch\u00ednh th\u1ee9c b\u1ecb lo\u1ea1i b\u1ecf kh\u1ecfi danh m\u1ee5c h\u1ee3p l\u1ec7. <\/p>\n

S\u1ef1 thay \u0111\u1ed5i n\u00e0y t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn m\u00f4 h\u00ecnh v\u1eadn h\u00e0nh c\u1ee7a nhi\u1ec1u fintech n\u1ed5i b\u1eadt. Tr\u01b0\u1edbc \u0111\u00e2y, nh\u1eefng c\u00e1i t\u00ean nh\u01b0 Nomad hay Braza Bank \u0111\u00e3 t\u1eadn d\u1ee5ng m\u1ea1ng l\u01b0\u1edbi blockchain \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a lu\u1ed3ng v\u1ed1n, th\u1eadm ch\u00ed ph\u00e1t h\u00e0nh c\u00e1c stablecoin \u0111\u1ea3m b\u1ea3o b\u1eb1ng n\u1ed9i t\u1ec7 \u0111\u1ec3 lu\u00e2n chuy\u1ec3n d\u00f2ng ti\u1ec1n. Nay, v\u1edbi quy \u0111\u1ecbnh m\u1edbi, c\u00e1c n\u1ec1n t\u1ea3ng n\u00e0y bu\u1ed9c ph\u1ea3i t\u00e1i c\u1ea5u tr\u00fac to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng “\u0111\u01b0\u1eddng ray” thanh to\u00e1n c\u1ee7a m\u00ecnh. Trong b\u1ed1i c\u1ea3nh c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh \u0111ang chuy\u1ec3n m\u00ecnh m\u1ea1nh m\u1ebd v\u1edbi c\u00e1c xu h\u01b0\u1edbng nh\u01b0 MoonPay ra m\u1eaft th\u1ebb h\u1ed7 tr\u1ee3 AI agent chi ti\u00eau stablecoin<\/a>, vi\u1ec7c Brazil t\u00e1ch bi\u1ec7t gi\u1eefa “t\u00e0i s\u1ea3n \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n” v\u00e0 “h\u1ea1 t\u1ea7ng thanh to\u00e1n \u0111\u1ecbnh ch\u1ebf” cho th\u1ea5y c\u00e1ch ti\u1ebfp c\u1eadn th\u1eadn tr\u1ecdng nh\u01b0ng quy\u1ebft li\u1ec7t c\u1ee7a nh\u00e0 qu\u1ea3n l\u00fd.<\/p>\n

B\u1ea3n ch\u1ea5t c\u1ee7a l\u1ec7nh c\u1ea5m \u0111\u1ed1i v\u1edbi giao d\u1ecbch b\u1eb1ng Stablecoin<\/h2>\n

C\u1ea7n hi\u1ec3u r\u00f5 r\u1eb1ng, l\u1ec7nh c\u1ea5m n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 Brazil \u0111ang quay l\u01b0ng l\u1ea1i v\u1edbi ti\u1ec1n \u0111i\u1ec7n t\u1eed hay th\u1ecb tr\u01b0\u1eddng t\u00e0i s\u1ea3n \u1ea3o. Th\u1ef1c t\u1ebf, qu\u1ed1c gia n\u00e0y v\u1eabn gi\u1eef v\u1ecb th\u1ebf l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ec1n kinh t\u1ebf c\u00f3 t\u1ef7 l\u1ec7 ch\u1ea5p nh\u1eadn crypto cao nh\u1ea5t th\u1ebf gi\u1edbi v\u1edbi kho\u1ea3ng 25 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng. Quy\u1ec1n mua, b\u00e1n v\u00e0 l\u01b0u tr\u1eef ti\u1ec1n \u0111i\u1ec7n t\u1eed c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n v\u1eabn \u0111\u01b0\u1ee3c b\u1ea3o h\u1ed9 theo c\u00e1c khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd hi\u1ec7n h\u00e0nh, nh\u01b0 Ngh\u1ecb quy\u1ebft BCB s\u1ed1 521. Tuy nhi\u00ean, nh\u00e0 qu\u1ea3n l\u00fd \u0111ang th\u1ef1c hi\u1ec7n m\u1ed9t h\u00e0nh \u0111\u1ed9ng ph\u00e2n t\u00e1ch chi\u1ebfn l\u01b0\u1ee3c: th\u1ecb tr\u01b0\u1eddng t\u00e0i s\u1ea3n \u1ea3o \u0111\u01b0\u1ee3c ph\u00e9p t\u1ed3n t\u1ea1i nh\u01b0 m\u1ed9t lo\u1ea1i h\u00ecnh \u0111\u1ea7u t\u01b0, nh\u01b0ng tuy\u1ec7t \u0111\u1ed1i kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p tr\u1edf th\u00e0nh “h\u1ea1 t\u1ea7ng” v\u1eadn h\u00e0nh cho c\u00e1c giao d\u1ecbch ngo\u1ea1i h\u1ed1i ch\u00ednh th\u1ed1ng.<\/p>\n

Vi\u1ec7c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd n\u00e0y nh\u1eb1m \u0111\u1ea3m b\u1ea3o t\u00ednh minh b\u1ea1ch v\u00e0 kh\u1ea3 n\u0103ng ki\u1ec3m so\u00e1t \u0111\u1ed1i v\u1edbi d\u00f2ng v\u1ed1n ngo\u1ea1i h\u1ed1i ch\u1ea3y ra – v\u00e0o qu\u1ed1c gia. Khi d\u1eef li\u1ec7u t\u1eeb Receita Federal cho th\u1ea5y th\u1ecb tr\u01b0\u1eddng ti\u1ec1n \u0111i\u1ec7n t\u1eed t\u1ea1i Brazil \u0111\u1ea1t quy m\u00f4 giao d\u1ecbch t\u1eeb 6 t\u1ef7 \u0111\u1ebfn 8 t\u1ef7 USD m\u1ed7i th\u00e1ng, trong \u0111\u00f3 stablecoin chi\u1ebfm t\u1edbi 90%, vi\u1ec7c BCB si\u1ebft ch\u1eb7t quy \u0111\u1ecbnh kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t quy\u1ebft \u0111\u1ecbnh k\u1ef9 thu\u1eadt m\u00e0 l\u00e0 m\u1ed9t n\u01b0\u1edbc c\u1edd v\u0129 m\u00f4 \u0111\u1ec3 b\u1ea3o v\u1ec7 h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh kh\u1ecfi nh\u1eefng bi\u1ebfn \u0111\u1ed9ng kh\u00f3 ki\u1ec3m so\u00e1t t\u1eeb c\u00e1c m\u1ea1ng l\u01b0\u1edbi phi t\u1eadp trung. \u0110\u00e1ng ch\u00fa \u00fd, \u0111i\u1ec1u n\u00e0y tr\u00e1i ng\u01b0\u1ee3c v\u1edbi xu th\u1ebf b\u00f9ng n\u1ed5 c\u1ee7a c\u00e1c th\u1ef1c th\u1ec3 nh\u01b0 Tether khi L\u1ee3i nhu\u1eadn Tether b\u00f9ng n\u1ed5 1.04 t\u1ef7 USD c\u00f9ng c\u1ed9t m\u1ed1c 141 t\u1ef7 USD tr\u00e1i phi\u1ebfu<\/a>, cho th\u1ea5y s\u1ef1 \u0111\u1ed1i l\u1eadp gi\u1eefa tham v\u1ecdng to\u00e0n c\u1ea7u c\u1ee7a stablecoin v\u00e0 s\u1ef1 ki\u1ec3m so\u00e1t \u0111\u1ecba ph\u01b0\u01a1ng t\u1ea1i c\u00e1c qu\u1ed1c gia.<\/p>\n

L\u1ed9 tr\u00ecnh tu\u00e2n th\u1ee7 v\u00e0 t\u01b0\u01a1ng lai c\u1ee7a c\u00e1c \u0111\u01a1n v\u1ecb thanh to\u00e1n<\/h2>\n

\u0110\u1ec3 th\u00edch nghi v\u1edbi quy \u0111\u1ecbnh m\u1edbi, c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng thu\u1ed9c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ho\u1eb7c ch\u01b0a \u0111\u01b0\u1ee3c BCB c\u1ea5p ph\u00e9p s\u1ebd c\u00f3 th\u1eddi gian chuy\u1ec3n \u0111\u1ed5i \u0111\u1ebfn th\u00e1ng 5 n\u0103m 2027. C\u00e1c \u0111\u01a1n v\u1ecb n\u00e0y b\u1eaft bu\u1ed9c ph\u1ea3i n\u1ed9p \u0111\u01a1n xin c\u1ea5p ph\u00e9p, duy tr\u00ec t\u00e0i kho\u1ea3n t\u00e1ch bi\u1ec7t cho kh\u00e1ch h\u00e0ng v\u00e0 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 b\u00e1o c\u00e1o chi ti\u1ebft h\u00e0ng th\u00e1ng. \u0110\u00e2y l\u00e0 m\u1ed9t s\u1ef1 s\u00e0ng l\u1ecdc t\u1ef1 nhi\u00ean trong h\u1ec7 sinh th\u00e1i fintech Brazil, n\u01a1i ch\u1ec9 nh\u1eefng \u0111\u01a1n v\u1ecb \u0111\u1ee7 n\u0103ng l\u1ef1c ph\u00e1p l\u00fd v\u00e0 s\u1ef1 minh b\u1ea1ch m\u1edbi \u0111\u01b0\u1ee3c t\u1ed3n t\u1ea1i trong lu\u1ed3ng ch\u1ea3y thanh to\u00e1n ch\u00ednh th\u1ed1ng.<\/p>\n

Trong khi \u0111\u00f3, vi\u1ec7c th\u00e2u t\u00f3m v\u00e0 h\u1ee3p nh\u1ea5t di\u1ec5n ra m\u1ea1nh m\u1ebd \u1edf c\u00e1c th\u1ecb tr\u01b0\u1eddng l\u00e2n c\u1eadn, v\u00ed d\u1ee5 nh\u01b0 tr\u01b0\u1eddng h\u1ee3p Th\u1ecb tr\u01b0\u1eddng ti\u1ec1n \u0111i\u1ec7n t\u1eed Nh\u1eadt B\u1ea3n ch\u1ee9ng ki\u1ebfn l\u00e0n s\u00f3ng th\u00e2u t\u00f3m t\u1eeb SBI Holdings<\/a>, cho th\u1ea5y c\u00e1c t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh l\u1edbn \u0111ang n\u1ed7 l\u1ef1c thi\u1ebft l\u1eadp v\u1ecb th\u1ebf trong k\u1ef7 nguy\u00ean t\u00e0i s\u1ea3n s\u1ed1. \u0110\u1ed1i v\u1edbi Brazil, vi\u1ec7c “v\u1ebd \u0111\u01b0\u1eddng cho h\u01b0\u01a1u ch\u1ea1y” \u2013 t\u1ee9c l\u00e0 cho ph\u00e9p crypto t\u1ed3n t\u1ea1i trong th\u1ecb tr\u01b0\u1eddng nh\u01b0ng ng\u0103n ch\u1eb7n s\u1ef1 can thi\u1ec7p c\u1ee7a n\u00f3 v\u00e0o h\u1ea1 t\u1ea7ng thanh to\u00e1n \u2013 ch\u00ednh l\u00e0 c\u00e1ch h\u1ecd gi\u1eef s\u1ef1 c\u00e2n b\u1eb1ng gi\u1eefa \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 v\u00e0 \u1ed5n \u0111\u1ecbnh ti\u1ec1n t\u1ec7.<\/p>\n

B\u00e0i vi\u1ebft \u0111\u00e3 \u0111\u01b0\u1ee3c bi\u00ean t\u1eadp l\u1ea1i t\u1eeb ngu\u1ed3n: coindesk.com<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng Brazil (BCB) v\u1eeba ch\u00ednh th\u1ee9c ph\u00e1t \u0111i th\u00f4ng \u0111i\u1ec7p c\u1ee9ng r\u1eafn khi \u00e1p \u0111\u1eb7t l\u1ec7nh c\u1ea5m \u0111\u1ed1i v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng stablecoin v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed nh\u01b0 c\u00f4ng c\u1ee5 thanh to\u00e1n trong c\u00e1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n xuy\u00ean bi\u00ean gi\u1edbi. \u0110\u1ed9ng th\u00e1i n\u00e0y \u0111\u00e1nh d\u1ea5u m\u1ed9t b\u01b0\u1edbc ngo\u1eb7t quan tr\u1ecdng trong […]<\/p>\n","protected":false},"author":1,"featured_media":12426,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[51],"tags":[],"class_list":["post-12427","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crypto-va-web3"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/12427","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/comments?post=12427"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/12427\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/12426"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=12427"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=12427"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=12427"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}