El Uber de banca es español: Bit2Me

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CLAVES:

  • Dentro del ámbito de la Fintech destaca una start-ups española, Bit2Me.
  • Su aplicación “Hive” ha sido premiada en el Fintech Americas’ Hackathon.
  • Son el más claro ejemplo del modelo de Uber extrapolado al ámbito financiero.
  • Su actividad se desarrolla ya en 7 países y cuentan con la colaboración de 150 bancos.

España está comenzando su escalada en el mundo de la Fintech. Día tras día comienzan a aparecer pequeñas y disruptivas empresas que se van haciendo un hueco en el panorama de la innovación financiera.

Este es el caso de la start-ups alicantina Bit2Me. Esta iniciativa es tan interesante que incluso, el pasado mes de octubre dentro del contexto del Fintech Americas’ Hackathon, fue premiada con 10.000 dólares por su nueva aplicación móvil “Hive”.

Fuente: Bravenewcoin
Fuente: Bravenewcoin

La finalidad de esta innovadora start-ups es, por explicarlo de manera simple, convertirse en el Uber del ámbito financiero: hacer banca sin bancos es la idea.

Documento relacionado en Thinknowa:

¿Qué son realmente Bit2Me y Hive?

En recientes declaraciones de Leif Ferreira, fundador y Ceo de Bit2Me,  ha explicado la idea en torno a que se mueve su empresa. Bit 2Me ha permitido que sus usuarios puedan convertir sus Bitcoin en dinero en efectivo en una red de 10.000 cajeros automáticos en toda España.

Para conseguirlo ha diseñado un proceso que implica la realización de los siguientes pasos:

  • El proceso se inició con la creación de un modelo back-end que conecta los bancos, su página web y la red Bitcoin a través de una pasarela de pago.
  • Tras esta fase comenzaron a trabajar en su aplicación móvil, Hive.
  • Y, finalmente en una extensión para Google Chrome.

Se puso fin a este proceso el pasado 5 de Enero (cuentan ya con casi un año de experiencia) que es la fecha de lanzamiento. El sistema no resultó ser infalible en un primer momento y tuvieron que realizar algunas modificaciones que no causaron ningún tipo de perturbación.

Febrero fue la fecha señalada en el calendario para el inicio de las transferencias en Bitcoin a España. Y solamente necesitaron un periodo de prueba de 3 semanas para lograrlo.

El proceso

El sistema sólo necesita un número de teléfono móvil español para funcionar, e inmediatamente los fondos serán cambiados a euros de forma automática.

El destinatario recibe en su teléfono móvil un SMS con un código PIN  que podrá ser utilizado en cualquier cajero que soporte el sistema “Hal-Cash” para realizar la extracción del mismo.

Para evitar el robo y el fraude existen 2 códigos (el del remitente y el del destinatario). Ambos serán necesarios para realizar las transacciones  y para mejorar la seguridad son enviados por separado.

Para realizar este proceso Bit2Me cuenta con una amplia gama de entidades bancarias adscritas  en cuyos cajeros se pueden realizar el proceso. Entre algunas de ellas podemos destacar: ING Direct, Bankinter, Abanca, EVO Banco, Caja Banco Popular o Targobank.

Las colaboraciones con las compañías financieras no se limitan al país ibérico, si no que los usuarios de Hive tendrán acceso a 150 bancos de otros 6 países: Francia, Alemania, Austria, Bélgica, los Países Bajos e Italia.

Las novedades de Hive

Hive no fue diseñada solamente para permitir el acceso a Bitcoin, sino que, tal y como indica Ferreira, con la aplicación han querido sumergirse en el mercado de las remesas, algo para que se comienza a usar cada vez más las bitcoin. HIve va, por tanto, más allá y comienza a dirigirse al mercado financiero.

Gracias a estar basado en la tecnología Blockchain, Hive permite a sus usuarios organizarse como una red financiera en la que se gestionan diversos productos financieros como remesas de depósitos, préstamos e inversiones.  Con este sistema en red se consiguen evitar las empresas intermediarias.

Gracias a esta red P2P Hive parece haberse convertido en el “Uber de las finanzas” permitiendo realizar las dos actividades más características e importantes del servicio: los préstamos y las inversiones.

La aplicación es totalmente gratuita, no hay costes ni cuotas derivadas. Así, los usuarios solamente verán las cuotas derivadas del tipo de cambio o  de los intereses de los préstamos realizados a través del sistema.

“En Hive los cajeros son personas” afirma Ferreira, y entre las capacidades que tienen permitido se encuentran tareas tales como: enviar dinero, realizar pagos, comprar inversiones, hacer préstamos, etc. Y todo ello, como ya hemos dicho, con el respaldo de la tecnología Blockchain.

Hive, igual que otra famosa app Abra, presenta la red de cajeros disponibles para realizar las transacciones a través de un mapa. Es importante decir, ahora que hemos citado a Abra, que las funcionalidades de esta aplicación son mucho más limitadas que las de Hive. Abra solamente se centra en las remesas y mantiene el valor de la moneda durante un período de 72 horas.

Fuente: Bravenewcoin
Fuente: Bravenewcoin

Los servicios prestados por ambas start-ups son cada vez más valiosos  teniendo en cuenta los datos hechos públicos por el Banco Mundial que confirman que el 38% de los adultos a nivel mundial (2billones de personas) no tienen acceso a servicios financieros básicos. Así, India o China podrían convertirse en mercados ideales.  En palabras del propio Ferreira al respecto se destaca que: “El acceso universal a los servicios financieros está a nuestro alcance – gracias a las nuevas tecnologías, modelos de negocio de transformación y reformas ambiciosas.”

PARKER, Luke. Banking without banks: Bit2Me is building the ‘Uber of finance’. 10-11-2015 [consultado 13-11-2015]. Disponible en: http://bravenewcoin.com/news/banking-without-banks-bit2me-is-building-the-uber-of-finance/

Posibilidades dentro de países no bancarizados

Siguen existiendo muchos países  no bancarizados o con sistemas de “banca en la sombra”. En ellos las actividades financieras se han mantenido fuera de los canales bancarios regulares. China es el más destacable.

El informe de 2014 “Global Shadow Banking Monitoring Report” del Consejo de Estabilidad Financiera  muestra unas cifras increíbles de este negocio: en 2013 se realizaron movimientos por valor de 73.000 trillones de dólares  (un 20% más que el PIB mundial). Si hablamos del caso anterior, en China veremos cifras de  5.2 billones de dólares con respecto a actividades de “banca en la sombra”.

Parece, a la vista de estos datos, que tanto Abra como Hive se encuentran en plena capacidad de acceder a este mercado. No obstante, por el momento el Ceo de Bit2Me cree que es importante crecer en otros países antes de dar el salto a aquellos con sistemas no bancarizados.

Documento completo: Global Shadow Banking Monitoring Report 2014
doc completo

Descargar este documento en PDF

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