{"id":157579,"date":"2025-09-24T12:43:08","date_gmt":"2025-09-24T11:43:08","guid":{"rendered":"https:\/\/www.copealcoy.es\/?p=157579"},"modified":"2025-09-24T13:09:08","modified_gmt":"2025-09-24T12:09:08","slug":"alcoy-ya-prueba-su-moneda-digital-municipal-en-que-consiste","status":"publish","type":"post","link":"https:\/\/www.copealcoy.es\/es\/alcoy-ya-prueba-su-moneda-digital-municipal-en-que-consiste\/","title":{"rendered":"Alcoy ya prueba su moneda digital municipal. \u00bfEn qu\u00e9 consiste?"},"content":{"rendered":"<p style=\"text-align: justify;\" data-start=\"241\" data-end=\"638\"><a href=\"https:\/\/www.alcoi.org\/ca\/portal\/index.html\" target=\"_blank\" rel=\"noopener\"><strong><span style=\"color: #0000ff;\">Alcoy<\/span><\/strong><\/a> se ha convertido en <strong>la primera ciudad espa\u00f1ola en probar un sistema de pago digital municipal<\/strong>, denominado <strong data-start=\"353\" data-end=\"364\">AL-COIN<\/strong>, que ya ha sido validado por 300 usuarios y 48 comercios locales. La prueba de concepto se dar\u00e1 a conocer oficialmente durante el <strong data-start=\"499\" data-end=\"548\">III Congreso Big Data y Ciudades Inteligentes<\/strong>, que se celebrar\u00e1 los d\u00edas 15 y 16 de octubre en el Parque Tecnol\u00f3gico Urbano de Rodes.<\/p>\n<p style=\"text-align: justify;\" data-start=\"640\" data-end=\"1300\">El proyecto, desarrollado en el marco del <strong data-start=\"682\" data-end=\"747\">Proyecto Prometeo CIPROM\/2022\/26 de la Generalitat Valenciana<\/strong>, ha podido evaluar su viabilidad t\u00e9cnica y regulatoria a trav\u00e9s de la campa\u00f1a piloto <em data-start=\"833\" data-end=\"866\">Bo Jove Mercat<\/em>. Seg\u00fan sus responsables, este sistema demuestra que es posible impulsar la innovaci\u00f3n tecnol\u00f3gica en el \u00e1mbito municipal respetando la normativa financiera europea. <em data-start=\"1032\" data-end=\"1286\">&#8220;Hemos demostrado que es posible conjugar innovaci\u00f3n tecnol\u00f3gica municipal con cumplimiento regulatorio estricto y su potencial como catalizador de las econom\u00edas locales, revitalizando el comercio tradicional mediante la innovaci\u00f3n digital responsable&#8221;<\/em>, afirman.<\/p>\n<p style=\"text-align: justify;\" data-start=\"1302\" data-end=\"1793\">Cabe destacar que AL-COIN es una moneda digital con caracter\u00edsticas espec\u00edficas: <strong data-start=\"1365\" data-end=\"1509\">no es reembolsable, no permite transferencias entre usuarios, tiene caducidad programada y se utiliza exclusivamente en mercados municipales<\/strong>. La plataforma que soporta la iniciativa ha superado pruebas de estr\u00e9s, gestionando picos de <em data-start=\"1603\" data-end=\"1638\">hasta 300 solicitudes por segundo<\/em>, e incorpora <em data-start=\"1652\" data-end=\"1722\">monitorizaci\u00f3n en tiempo real con actualizaciones cada cinco minutos<\/em> y m\u00f3dulos de inteligencia artificial para la detecci\u00f3n de anomal\u00edas. El \u00e9xito del proyecto abre la puerta a que otras administraciones locales implementen soluciones similares. Los criterios que han permitido su desarrollo seguro incluyen una red geogr\u00e1ficamente limitada, convenios directos con comercios, restricciones t\u00e9cnicas efectivas y la finalidad de inter\u00e9s p\u00fablico, seg\u00fan los est\u00e1ndares del grupo de investigaci\u00f3n <strong data-start=\"2149\" data-end=\"2164\">Legalcripto<\/strong>.<\/p>\n<p style=\"text-align: justify;\" data-start=\"2169\" data-end=\"2602\">La gesti\u00f3n operativa de AL-COIN ha estado a cargo de la <strong data-start=\"2225\" data-end=\"2256\">C\u00e1mara de Comercio de Alcoy<\/strong>, mientras que el dise\u00f1o jur\u00eddico y tecnol\u00f3gico ha sido liderado por la investigadora principal <strong data-start=\"2352\" data-end=\"2369\">Carmen Pastor<\/strong>, catedr\u00e1tica de Derecho Mercantil de la Universidad de Alicante. El proyecto <strong>continuar\u00e1 hasta finales de septiembre<\/strong>, incluyendo pruebas de carga y la elaboraci\u00f3n de un informe final para facilitar su replicaci\u00f3n en otras ciudades.<\/p>\n<p style=\"text-align: justify;\" data-start=\"2604\" data-end=\"3126\">AL-COIN, tal y como remarcan desde el consistorio,\u00a0 <strong>se acoge<\/strong> a la exenci\u00f3n de \u201cred limitada\u201d de la PSD2, lo que permite su implantaci\u00f3n en un \u00e1mbito acotado sin someterse a los reg\u00edmenes prudenciales y de salvaguarda propios de los servicios de pago plenamente regulados. Es por ello que no procede afirmar el cumplimiento \u00edntegro de PSD2, EMD2 ni del Reglamento MiCA, cuya aplicabilidad resulta, en principio, no exigible dada su naturaleza de instrumento de pago municipal.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Alcoy se ha convertido en la primera ciudad espa\u00f1ola en probar un sistema de pago digital municipal, denominado AL-COIN, que&#8230;<\/p>\n","protected":false},"author":1,"featured_media":157580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6909,97,75,125],"tags":[20038,1494,20037,1476],"class_list":["post-157579","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad","category-alcoy","category-noticias","category-portada","tag-al-coin","tag-alcoy","tag-moneda-municipal","tag-pagos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Alcoy ya prueba su moneda digital municipal. \u00bfEn qu\u00e9 consiste? 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