Estados Unidos, a través del Departamento de Estado, presentó una evaluación global de países que, a su juicio, no cuentan con leyes rigurosas y ni autoridades que persiguen con determinación el lavado de dinero mediante el uso de bitcoin (BTC) y otras criptomonedas en 2021.
Entre los países que destacan en la lista, hay seis ubicados en Latinoamérica que son: Argentina, Colombia, El Salvador, México, Perú y Venezuela, mientras que en Europa resalta España. Veamos a continuación lo que dice el informe respecto a ellos.
Venezuela
El enfoque sobre Venezuela fue uno de lo más rigurosos y contundentes que presentó Estados Unidos en su informe de 2021.
El Departamento de Estado indicó que Venezuela se caracterizó por tener una «actividad financiera ilícita desenfrenada y una corrupción pública endémica», que se agudizó el año pasado.
Señaló directamente al presidente Nicolás Maduro y a su entorno de depender de diversas actividades ilícitas como: lavado de dinero, narcotráfico, minería ilegal, fraude, evasión de sanciones y corrupción pública.
Consideran que en Venezuela hay «falta de acción» contra la corrupción y eso crea una jurisdicción plagada de «lavado de dinero y delitos financieros generalizados».
Aseguran que el lavado de dinero se extiende por todo el territorio venezolano incluso a través de las plataformas de intercambio del gobierno, la industria petrolera, la minería ilegal y los contratos gubernamentales; y en menor medida, a través de bancos comerciales, juegos de azar, bienes raíces, agricultura, ganadería y valores.
Argentina
Según el documento, el gobierno de Argentina «no prohíbe ni regula fuertemente» los activos digitales o criptomonedas como Bitcoin (BTC).
Señalan que las regulaciones existentes en su mayoría se relacionan con la información y los regímenes fiscales. «En mayo de 2021, el Banco Central de Argentina y la Comisión de Valores emitió una declaración conjunta advirtiendo sobre los riesgos de las monedas virtuales».
Indica Estados Unidos que la población argentina adoptó las criptomonedas de manera temprana con el objetivo de evadir impuestos y cada vez más se involucran en su uso.
Colombia
La tercera nación de la región señalada por Estados Unidos fue Colombia. En ese país, según el Departamento de Estado, a pesar de que cuentan con un «riguroso régimen de detección de lavado de activos», no todos los sistemas de cumplimiento contra el lavado de dinero/lucha contra el financiamiento del terrorismo «están en línea con las mejores prácticas basadas en el riesgo».
En ese sentido, dicen que las organizaciones criminales utilizan esquemas financieros formales e informales. Sobre ello, las autoridades colombianas confirmaron a Estados Unidos que los grupos criminales utilizan cada vez más criptoactivos para enviar ganancias de drogas a Colombia, pero las instituciones colombianas «tienen una comprensión limitada de las operaciones financieras virtuales», expone el documento.
Agregan que, aunque Colombia cuenta con amplias regulaciones, no han podido aprobar una legislación que regule las criptomonedas. Sin embargo, destacan que el Banco Central de Colombia lidera un grupo de trabajo de activos virtuales para evaluar las necesidades de regulación y supervisión de todas las industrias afectadas.
El Salvador
El país centroamericano ha sido uno de los más criticados por Estados Unidos. Esto, tras la adopción de bitcoin como moneda de curso legal a través de la Ley Bitcoin el pasado 7 de septiembre, hecho reportado por CriptoNoticias.
A juicio del gobierno estadounidense, la ley se promulgó de manera apresurada y se aprobó con «poco análisis y con tiempo limitado para desarrollar regulaciones que permitieran prever la posible comisión de delitos en el sector. Esto incluye normativas para cumplir con los requisitos de antilavado de dinero y contra el financiamiento del terrorismo».
Consideran que El Salvador tiene un marco regulatorio y de supervisión incipiente para bitcoin y las criptomonedas, así como para los proveedores de servicios de criptoactivos, por lo que «persisten algunas brechas regulatorias». Creen así que la implementación «deficiente» de la Ley Bitcoin podría «aumentar la organización criminal transnacional, el lavado de dinero y el financiamiento del terrorismo».
“Las instituciones financieras tienen la opción de registrarse como intercambiadores de bitcoins, si eligen ofrecer estos servicios seguirán estando sujetos a todas las regulaciones contra el lavado de dinero y financiamiento al terrorismo de los servicios financieros tradicionales”. (Estrategia Internacional de Control de Narcóticos 2022)
México
Estados Unidos señaló que en México los actores ilícitos lavan miles de millones de dólares del producto del narcotráfico a través del sistema financiero anualmente.
«Corrupción, contrabando de dinero en efectivo a granel, secuestro, extorsión, robo de combustible, violaciones de los derechos de propiedad intelectual, fraude, tráfico de personas, trata de personas y el tráfico de armas de fuego sirve como fuente de fondos adicionales lavados a través de México», describe en el documento.
También resaltaron que las autoridades mexicanas evalúan los riesgos de explotación delictiva de tecnología financiera, incluyendo monedas virtuales como bitcoin.
Perú
«Perú ha experimentado desafíos para hacer cumplir e implementar su fuerte régimen contra el lavado de dinero», dice el texto.
En ese sentido, indican que parte de los fondos ilícitos existentes en Perú se mueven a través de las criptomonedas, así como de agencias de transferencia de dinero, bienes raíces, casas de cambio, cooperativas de crédito y venta de autos.
Estados Unidos indica que la tecnología financiera relacionada con los criptoactivos está creciendo en el país andino. Según el texto, la Unidad de Inteligencia Financiera del Perú publicó un análisis de riesgo de las criptomonedas y bitcoin en 2021.
España
Del otro lado del charco, en el continente europeo, España también aparece en la lista de Estados Unidos.
El documento del gobierno estadounidense reconoce que España «identifica, evalúa y comprende de forma proactiva sus vulnerabilidades en materia de blanqueo de capitales, y trabaja para mitigar los riesgos». Aunque sigue siendo un territorio importante para los grupos de delincuencia organizada con base en África, América Latina y la antigua Unión Soviética, agregan.
Destaca el informe que las criptomonedas son empleadas cada vez más por los delincuentes para blanquear sus operaciones. Las ganancias ilícitas también se invierten principalmente en bienes inmuebles en las zonas costeras del sur y el este de España, aunque también colocan el dinero en otros sectores, incluidos los servicios, las comunicaciones, los automóviles, las obras de arte y el sector financiero.
«España puede hacer más para alentar a las organizaciones no gubernamentales a utilizar los canales financieros regulados», comenta el informe de Estados Unidos.
Actividades ilegales se realizan más con fíat que con bitcoin
Aunque en la opinión pública se ha instaurado la creencia de que bitcoin y otras criptomonedas son más utilizadas para el lavado de dinero, un estudio de la firma de análisis de blockchains, Chainalysis, publicado en enero y reseñado por CriptoNoticias, echa por tierra esa teoría.
De acuerdo con el reporte, se han llegado a lavar más de USD 33.000 millones en criptomonedas desde el año 2017, una cifra pequeña en comparación con datos generalizados sobre el lavado de dinero con fíat.
De acuerdo con cifras de la ONU, se lavan entre USD 800.000 millones y USD 2 billones anualmente con dinero fiduciario, como dólares o euros. Esto representa alrededor del 5 % del PIB mundial, dice Chainalysis.
El organismo también estimó que el lavado de dinero representó apenas el 0,05 % de todo el volumen de transacciones hechas con criptomonedas durante el año 2021.
Por: Agencia
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