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Esto permite realizar emisiones de manera segura, facilita la supervisión regulatoria y abre la puerta a nuevos modelos de financiación para las empresas.",{"asset":499,"crop":13,"hotspot":13},{"altText":13,"metadata":500,"originalFilename":513,"url":514},{"_type":15,"blurHash":501,"dimensions":502,"hasAlpha":22,"isOpaque":23,"lqip":503,"palette":504},"eI9H2_j[00WB_3j[fQayfQj[00ay~qof9FWBfQoffQWB_3j[9Fay%M",{"_type":18,"aspectRatio":222,"height":396,"width":396},"data:image/png;base64,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",{"_type":26,"darkMuted":505,"darkVibrant":506,"dominant":507,"lightMuted":508,"lightVibrant":510,"muted":511,"vibrant":512},{"_type":28,"background":472,"foreground":30,"population":407,"title":30},{"_type":28,"background":403,"foreground":30,"population":100,"title":30},{"_type":28,"background":410,"foreground":30,"population":239,"title":30},{"_type":28,"background":406,"foreground":38,"population":509,"title":30},0.08,{"_type":28,"background":406,"foreground":38,"population":100,"title":30},{"_type":28,"background":410,"foreground":30,"population":239,"title":30},{"_type":28,"background":412,"foreground":30,"population":100,"title":30},"tokenizacion.svg","https://cdn.sanity.io/images/rko2ugo5/i18n/9afd84e4dab83a10d5722efdeb7128f4b4376a8e-80x80.svg",{"_type":416,"current":516},"tokenizacion","Tokenización",[519,532],{"_key":520,"_type":167,"children":521,"markDefs":531,"style":197},"312f0014cb05",[522,527],{"_key":523,"_type":171,"marks":524,"text":526},"71f9ff005cb60",[525],"strong","Una infraestructura blockchain tiene múltiples aplicaciones",{"_key":528,"_type":171,"marks":529,"text":530},"a142687acb8c",[],". En ISBE, empresas y administraciones pueden desarrollar casos de uso para simplificar procesos, garantizar la confianza digital y acelerar la innovación tecnológica.",[],{"_key":533,"_type":167,"children":534,"markDefs":546,"style":197},"18e8754ca8b4",[535,539,543],{"_key":536,"_type":171,"marks":537,"text":538},"1fbab708a8170",[],"Además, gracias a que es una infraestructura público permisionada de código abierto, a que incluye el cumplimiento regulatorio en el propio diseño, y a la gran cantidad de recursos que ofrece, ",{"_key":540,"_type":171,"marks":541,"text":542},"506ea4e9674c",[525],"ISBE promueve la colaboración entre entidades y potencia el liderazgo tecnológico de España",{"_key":544,"_type":171,"marks":545,"text":190},"2361feaaa5eb",[],[],{"ogdescription":548,"ogimage":13,"ogtitle":549},"Con ISBE, empresas y admón. pública pueden desplegar nodos propios para desarrollar identidad, trazabilidad, automatización o sostenibilidad.","Aplicaciones de la tecnología blockchain | ISBE","Aplicaciones de la blockchain ISBE","Tipos de aplicaciones que ofrece la red ISBE","Descubre algunos de los casos de uso que se irán desplegando en ISBE",[554,559,564,567,572],{"_id":555,"slug":556,"title":558},"3b36f10b-62e3-4414-acfd-2fed0ff14a29",{"_type":416,"current":557},"declaracion-de-accesibilidad","Declaración de accesibilidad",{"_id":560,"slug":561,"title":563},"5c786094-be73-46b8-ae54-4183fe9834b9",{"_type":416,"current":562},"aviso-de-transparencia-sobre-inteligencia-artificial","Aviso de transparencia sobre Inteligencia Artificial.",{"_id":7,"slug":565,"title":566},{"_type":416,"current":8},"Política de cookies",{"_id":568,"slug":569,"title":571},"fd50edb6-ea6d-472a-beb4-0ff3b1cd906b",{"_type":416,"current":570},"politica-de-privacidad","Política de privacidad",{"_id":573,"slug":574,"title":576},"fedc664b-ad3b-4bff-acca-d0e5744986bc",{"_type":416,"current":575},"aviso-legal","Aviso legal",{"_id":578,"_translations":579,"_updatedAt":586,"application":587,"author":589,"category":13,"content":605,"featuredImage":868,"publishedAt":900,"relatedPosts":13,"seo":901,"slug":907,"title":908,"videoBanner":23,"videoBannerDescription":13,"videoBannerTitle":13,"youtubeVideo":13},"b124a0d3-fa0e-4a73-a3df-c6b7ec35526d",[580,583],{"_key":244,"slug":581},{"_type":416,"current":582},"carteras-empresariales-europeas-una-oportunidad-de-150-000-millones-de-euros-al-ano",{"_key":374,"slug":584},{"_type":416,"current":585},"european-business-wallets-a-eur150-billion-opportunity","2026-11-04T08:43:26Z",{"_id":380,"slug":588,"title":418},{"_type":416,"current":417},{"_createdAt":590,"_id":591,"_rev":592,"_type":593,"_updatedAt":594,"company":245,"image":595,"role":600,"socials":601,"title":604},"2025-10-07T12:21:52Z","8a3772a5-49ab-4732-ac56-45679c40ef16","zB55bFxmzEEkCuJfSQYhXw","autor","2026-02-02T10:29:52Z",{"_type":596,"asset":597},"image",{"_ref":598,"_type":599},"image-7eaf38a7e6a41be189e625db14a5452af0e548f1-400x400-jpg","reference","Redacción",{"facebook":602,"linkedin":603,"twitter":250},"https://www.facebook.com/profile.php?id=61575938825743","https://www.linkedin.com/company/107310370/admin/dashboard/","Redacción ISBE",[606,614,623,631,639,647,651,660,668,676,684,692,700,708,712,720,728,736,744,752,760,768,776,784,792,800,808,820,832,844,856],{"_key":607,"_type":167,"children":608,"markDefs":613,"style":197},"7ae6aa580f90",[609],{"_key":610,"_type":171,"marks":611,"text":612},"f9fff438d841",[],"La Comisión Europea estima en 150.000 millones de euros anuales el ahorro asociado a las carteras empresariales europeas (European Business Wallets). Con esa cifra abrió Miguel Ángel Calero, director ejecutivo de ISBE, su intervención en MERGE Madrid 2026, dedicada a la oportunidad que abre este nuevo instrumento para empresas, administraciones y proveedores de servicios de confianza.",[],{"_key":615,"_type":167,"children":616,"markDefs":621,"style":622},"49450a2af545",[617],{"_key":618,"_type":171,"marks":619,"text":620},"900ed38ab9c4",[],"Un trámite que se repite una y otra vez",[],"h2",{"_key":624,"_type":167,"children":625,"markDefs":630,"style":197},"ec4049b99976",[626],{"_key":627,"_type":171,"marks":628,"text":629},"cd8d14177ab2",[],"Cada empresa demuestra que existe en cada relación que inicia: escrituras, poderes de representación, certificados tributarios, procesos de verificación de clientes empresariales (KYB) y licitaciones. Según la evaluación de impacto de la Comisión Europea, SWD(2025) 837, incorporar hoy a un cliente empresarial lleva unos 50 días. Con carteras empresariales, el coste de ese proceso podría reducirse entre un 30% y un 50%, y el ahorro estimado para cada pyme alcanza los 42.000 euros al año.",[],{"_key":632,"_type":167,"children":633,"markDefs":638,"style":622},"08e55434b041",[634],{"_key":635,"_type":171,"marks":636,"text":637},"3d3d26d8622d",[],"Tres carteras, tres funciones",[],{"_key":640,"_type":167,"children":641,"markDefs":646,"style":197},"3d8c6138c293",[642],{"_key":643,"_type":171,"marks":644,"text":645},"e0658b4fe0bc",[],"Conviene distinguir entre tres tipos de cartera. Una cartera personal cualquiera permite decir “tengo esto”, pero no tiene valor legal. La cartera europea de identidad digital permite a la ciudadanía decir “soy yo”, con validez en toda la Unión. La cartera empresarial permite decir “actúo en nombre de esta empresa”, también con validez en toda la Unión. Es esta última la que resuelve la representación, los mandatos y la identidad de las personas jurídicas.",[],{"_key":648,"_type":596,"asset":649},"2b2d4fb54c9f",{"_ref":650,"_type":599},"image-25deece1d0a571a770d4da1a89f0372bb25af9d4-2048x1243-jpg",{"_key":652,"_type":167,"children":653,"markDefs":658,"style":659},"c190b47c5b26",[654],{"_key":655,"_type":171,"marks":656,"text":657},"980a52fbac9f",[],"Las reglas se están escribiendo ahora",[],"h3",{"_key":661,"_type":167,"children":662,"markDefs":667,"style":197},"af7449421ced",[663],{"_key":664,"_type":171,"marks":665,"text":666},"8fac07d30280",[],"La Comisión Europea presentó la propuesta de Reglamento sobre carteras empresariales europeas el 19 de noviembre de 2025. El Consejo de la UE adoptó su posición negociadora el 9 de junio de 2026, y el siguiente paso son las negociaciones con el Parlamento Europeo; los Estados miembros aspiran a alcanzar un acuerdo final antes de que termine 2026. Quienes participan ahora contribuyen a definir cómo funcionará el sistema; quienes lleguen después tendrán que adaptarse a él.",[],{"_key":669,"_type":167,"children":670,"markDefs":675,"style":197},"72e97e2535a9",[671],{"_key":672,"_type":171,"marks":673,"text":674},"cd69a28b496c",[],"Europa ya está construyéndolo. Participan administraciones públicas como la Comisión Europea, los ministerios competentes de Países Bajos, Francia e Italia y la Agencia Española de Administración Digital; registros mercantiles como KVK, Bolagsverket y CORPME, junto con GLEIF y su identificador vLEI; prestadores cualificados de servicios de confianza como FNMT, Namirial, SwissSign o Intesi Group; proveedores de carteras; y entidades bancarias y de pagos.",[],{"_key":677,"_type":167,"children":678,"markDefs":683,"style":197},"489bfce98976",[679],{"_key":680,"_type":171,"marks":681,"text":682},"393626e667f8",[],"WE BUILD es el único piloto a gran escala centrado en la cartera empresarial. Reúne a cerca de 200 organizaciones de 27 países, entre ellas 13 registros mercantiles, 25 organismos públicos y 30 prestadores cualificados de servicios de confianza. Sus casos de uso abarcan la verificación de empresas, el registro de sucursales, la presentación de impuestos en otro Estado, la representación de empresas, las microcredenciales, el acceso bajo el principio de solo una vez, el transporte, los espacios de datos, la facturación electrónica y los pagos corporativos.",[],{"_key":685,"_type":167,"children":686,"markDefs":691,"style":659},"ae6be6ac529e",[687],{"_key":688,"_type":171,"marks":689,"text":690},"79a12aa0ef38",[],"Por qué hace falta una infraestructura identificable y auditable",[],{"_key":693,"_type":167,"children":694,"markDefs":699,"style":197},"1ea06de15aac",[695],{"_key":696,"_type":171,"marks":697,"text":698},"41f93d6880ef",[],"El 72% del PIB de la Unión necesita proveedores identificables, auditables y con los que se pueda contratar: el sector público representa un 20%, las industrias reguladas un 22% y sus proveedores un 30%. Las redes públicas sin permisos no están diseñadas para responder a estas exigencias. No permiten firmar un contrato con un responsable identificado conforme a DORA, NIS2 o el ENS; no garantizan los derechos de los usuarios que exigen el RGPD, el Reglamento de Datos o eIDAS2; y no aseguran la soberanía frente a normas como la US Cloud Act.",[],{"_key":701,"_type":167,"children":702,"markDefs":707,"style":197},"cc6685e00164",[703],{"_key":704,"_type":171,"marks":705,"text":706},"324b0517982b",[],"ISBE cubre ese espacio como capa de confianza sobre la que pueden operar las carteras empresariales.",[],{"_key":709,"_type":596,"asset":710},"a952f227b52d",{"_ref":711,"_type":599},"image-23a97bdcb4da6d02d106eaf68ca2f932779c632a-2048x1243-jpg",{"_key":713,"_type":167,"children":714,"markDefs":719,"style":659},"79fdf6069267",[715],{"_key":716,"_type":171,"marks":717,"text":718},"ca124190510a",[],"Cuando la confianza es verificable, los procesos se pueden programar",[],{"_key":721,"_type":167,"children":722,"markDefs":727,"style":197},"d7dd8be37869",[723],{"_key":724,"_type":171,"marks":725,"text":726},"6a41b5d6578c",[],"Con una identidad empresarial verificable, servicios, agentes de inteligencia artificial, procesos, dinero y activos pueden integrarse en flujos automatizados con garantías. La intervención presentó dos ejemplos.",[],{"_key":729,"_type":167,"children":730,"markDefs":735,"style":197},"515743a3552e",[731],{"_key":732,"_type":171,"marks":733,"text":734},"c034e9de9a2d",[],"El primero es Smart Economy Córdoba, un modelo de ayudas públicas que se gestionan de principio a fin sobre ISBE. La empresa se incorpora con la credencial del registro mercantil y la de su representante legal, apoyadas en el registro de emisores de confianza. Solicita la ayuda desde su cartera, con una comprobación previa de requisitos y una declaración responsable, utilizando el marco de confianza para la credencial de cuenta bancaria. Un agente de IA realiza una evaluación preliminar y un funcionario toma la decisión. Cada paso deja evidencia verificable para la supervisión de la intervención, y el pago se realiza de forma condicionada en euros regulados que se gastan en el comercio local.",[],{"_key":737,"_type":167,"children":738,"markDefs":743,"style":197},"ded1afde8f2f",[739],{"_key":740,"_type":171,"marks":741,"text":742},"21b8bf7912be",[],"El segundo es la tesorería intragrupo, un caso que puede construirse ya. Cada filial dispone de su cartera empresarial y de una identidad verificable como persona jurídica. Personas y agentes actúan dentro de mandatos con límites verificables. Las reglas del grupo para la centralización de tesorería y la compensación de saldos se ejecutan como lógica de negocio verificable, las transferencias entre sociedades se liquidan en euros tokenizados regulados por MiCA, y la evidencia de cumplimiento y de precios de transferencia queda certificada desde el origen.",[],{"_key":745,"_type":167,"children":746,"markDefs":751,"style":622},"2d57465a3bc0",[747],{"_key":748,"_type":171,"marks":749,"text":750},"8c993869a207",[],"Activos digitales: saber quién está al otro lado",[],{"_key":753,"_type":167,"children":754,"markDefs":759,"style":197},"fe3d37c84060",[755],{"_key":756,"_type":171,"marks":757,"text":758},"fcf7738048a6",[],"Desde 2024, la normativa europea exige que cada transferencia de criptoactivos incluya la identidad de quien envía y de quien recibe. Al mismo tiempo, iniciativas de la industria como OTL, en la que participan actores como Fireblocks, Robinhood o MetaMask, están desarrollando una capa de identidad para las finanzas en cadena. La propuesta para Europa es que la cartera empresarial actúe como identificador de contraparte de confianza, sobre infraestructura europea.",[],{"_key":761,"_type":167,"children":762,"markDefs":767,"style":659},"3c63fa09d227",[763],{"_key":764,"_type":171,"marks":765,"text":766},"80d966ce794b",[],"Lo difícil no es la cartera",[],{"_key":769,"_type":167,"children":770,"markDefs":775,"style":197},"e4082fb454d6",[771],{"_key":772,"_type":171,"marks":773,"text":774},"74e6c3949e0b",[],"Los principales retos no son tecnológicos. Está la semántica: qué significa “representante legal” en 27 sistemas jurídicos distintos. Y está la gobernanza: quién decide quién puede emitir cada credencial y quién responde cuando algo falla. ISBE aporta registros de confianza compartidos y una gobernanza institucional. Quedan además otras cuestiones abiertas: los mandatos para personas y agentes de IA, quién asume los costes hasta que la adopción sea general y el peso de los estándares globales definidos fuera de Europa.",[],{"_key":777,"_type":167,"children":778,"markDefs":783,"style":622},"8181eecbf529",[779],{"_key":780,"_type":171,"marks":781,"text":782},"2d6a98ae6e7a",[],"ISBE ya está operativa",[],{"_key":785,"_type":167,"children":786,"markDefs":791,"style":197},"3fcea0f71d6e",[787],{"_key":788,"_type":171,"marks":789,"text":790},"75cd51707549",[],"ISBE ofrece hoy a empresas, desarrolladores y administraciones públicas los servicios necesarios para aprovechar esta programabilidad: evidencias certificadas, lógica de negocio verificable, identidad digital, dinero digital y activos tokenizados. Las finanzas descentralizadas permisionadas serán el siguiente paso.",[],{"_key":793,"_type":167,"children":794,"markDefs":799,"style":197},"bd1364b26593",[795],{"_key":796,"_type":171,"marks":797,"text":798},"5105ba5384e2",[],"Empezar requiere tres pasos. Primero, identificar un proceso en el que la organización tenga que demostrar quién es una y otra vez. Segundo, conectarse a ISBE a través de un proveedor de servicios certificado. Tercero, ponerlo en marcha con un organismo público o dentro del propio grupo empresarial.",[],{"_key":801,"_type":167,"children":802,"markDefs":807,"style":622},"801a8ee78b59",[803],{"_key":804,"_type":171,"marks":805,"text":806},"08e57f7b955e",[],"Preguntas frecuentes",[],{"_key":809,"_type":167,"children":810,"markDefs":819,"style":197},"ced28731e092",[811,815],{"_key":812,"_type":171,"marks":813,"text":814},"01980b9f12d0",[525],"¿Qué es una cartera empresarial europea?",{"_key":816,"_type":171,"marks":817,"text":818},"4611427aabb3",[]," Es una herramienta digital que permite a una empresa almacenar y presentar su identidad y otras credenciales verificables, como poderes de representación o certificados, con validez en toda la Unión Europea, tanto ante administraciones como ante otras empresas.",[],{"_key":821,"_type":167,"children":822,"markDefs":831,"style":197},"566cbee80143",[823,827],{"_key":824,"_type":171,"marks":825,"text":826},"57f261e195e1",[525],"¿En qué se diferencia de la cartera europea de identidad digital?",{"_key":828,"_type":171,"marks":829,"text":830},"84be17f47122",[]," La cartera europea de identidad digital acredita la identidad de una persona física. La cartera empresarial acredita a una persona jurídica y permite demostrar que alguien actúa en su nombre.",[],{"_key":833,"_type":167,"children":834,"markDefs":843,"style":197},"cdb9f456ed05",[835,839],{"_key":836,"_type":171,"marks":837,"text":838},"558c95c9c3a1",[525],"¿En qué punto se encuentra la regulación?",{"_key":840,"_type":171,"marks":841,"text":842},"b8b9d8647971",[]," La Comisión Europea presentó la propuesta en noviembre de 2025 y el Consejo fijó su posición en junio de 2026. El texto final se negociará con el Parlamento Europeo.",[],{"_key":845,"_type":167,"children":846,"markDefs":855,"style":197},"327e2c762531",[847,851],{"_key":848,"_type":171,"marks":849,"text":850},"fa32237c788f",[525],"¿Qué aporta ISBE?",{"_key":852,"_type":171,"marks":853,"text":854},"3a235ded32ea",[]," ISBE es una infraestructura pública y permisionada, con participantes identificados y un responsable, que cumple por diseño con el RGPD, eIDAS2 y el resto del marco europeo. Proporciona registros de confianza compartidos, evidencias certificadas y lógica de negocio verificable sobre los que operar carteras empresariales.",[],{"_key":857,"_type":167,"children":858,"markDefs":867,"style":197},"1417ad203049",[859,863],{"_key":860,"_type":171,"marks":861,"text":862},"927dcacc1afe",[525],"¿Cómo puede empezar una empresa?",{"_key":864,"_type":171,"marks":865,"text":866},"3b57100d119a",[]," Identificando un proceso repetitivo de acreditación, conectándose a ISBE a través de un proveedor de servicios certificado y poniéndolo en marcha con un organismo público o dentro de su grupo.",[],{"asset":869,"crop":13,"hotspot":13},{"altText":13,"metadata":870,"originalFilename":898,"url":899},{"_type":15,"blurHash":871,"dimensions":872,"hasAlpha":23,"isOpaque":22,"lqip":876,"palette":877,"thumbHash":897},"V9HL;o1V0cxA4.z6008y~XV[3wB_Tb.8?bZ6#FxHMet7",{"_type":18,"aspectRatio":873,"height":874,"width":875},1.6476267095736121,1243,2048,"data:image/jpeg;base64,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",{"_type":26,"darkMuted":878,"darkVibrant":881,"dominant":884,"lightMuted":887,"lightVibrant":890,"muted":891,"vibrant":894},{"_type":28,"background":879,"foreground":30,"population":880,"title":30},"#273a48",0.78,{"_type":28,"background":882,"foreground":30,"population":883,"title":30},"#0d2337",2.81,{"_type":28,"background":885,"foreground":38,"population":886,"title":30},"#83e682",7.35,{"_type":28,"background":888,"foreground":38,"population":889,"title":30},"#ccb6ac",0.33,{"_type":28,"background":885,"foreground":38,"population":886,"title":30},{"_type":28,"background":892,"foreground":30,"population":893,"title":30},"#8c6654",3.06,{"_type":28,"background":895,"foreground":30,"population":896,"title":30},"#7e543b",0.2,"IfgJFIQwZ5kDtXhmqIW6ICjXCw==","1.jpg","https://cdn.sanity.io/images/rko2ugo5/i18n/967467fcec80e1b37044892dc4c2b9d9e681fff3-2048x1243.jpg","2026-11-03T10:14:00.000Z",{"ogdescription":902,"ogimage":903,"ogtitle":906},"Las carteras empresariales europeas pueden ahorrar 150.000 millones de euros al año. Claves, casos de uso y cómo empezar con ISBE.",{"asset":904},{"url":905},"https://cdn.sanity.io/images/rko2ugo5/i18n/6004216a8899561ec19706bf59f80621983ca88c-1357x347.png","Carteras empresariales europeas: una oportunidad para Europa",{"_type":416,"current":582},"Carteras empresariales europeas: una oportunidad de 150.000 millones de euros al año",1793783791898]