La adopción de criptomonedas: un pronóstico optimista.

LLa cuestión no es si se producirá la adopción global de las criptomonedas, sino cuándo ocurrirá. El calendario exacto es difícil de precisar; la adopción masiva podría tener lugar en 2 años, 5 años, 10 años o más. Sin embargo, la cuestión es que ocurrirá, y hay beneficios objetivos para aprender sobre las criptomonedas antes de que llegue la adopción masiva.

Entender cómo funcionan las criptomonedas a tiempo puede proporcionar una transición más suave para todos los individuos. Al igual que los que adoptaron Internet en una fase temprana, la primera oleada de adoptantes de las criptomonedas tendrán una ventaja sobre la segunda y tercera oleada.

Entonces, ¿qué tienes que conocer sobre las criptomonedas antes de que su adopción sea una realidad?

Poco a poco, luego bruscamente.

Según un estudio reciente de Finder.com, unos 27 millones de estadounidenses poseen criptomonedas, de los cuales el 44,5% posee Bitcoin. El porcentaje de estadounidenses que poseen criptomonedas aún no ha alcanzado el 10% de la población total, pero ha ido en aumento desde la creación de Bitcoin en 2009.

La adopción de las criptomonedas es muy parecida a la de cualquier otra tecnología: La tasa de adopción crece muy gradualmente hasta alrededor del 8-10%, y luego generalmente explota hacia arriba hasta la adopción masiva a partir de ahí.

Podemos caracterizar este ritmo general de adopción con la frase “gradualmente, luego de repente”. Consideremos como anécdota la adopción de Internet en los años 90. En 1990, sólo un puñado de gobiernos, universidades, empresas y particulares utilizaban Internet.

Pero en el año 2000 todo el mundo tenía que tener una página web. Del mismo modo, los teléfonos inteligentes eran escasos en 2007, cuando se inventó el iPhone, pero en 2011 todas las personas mayores de 12 años llevaban Internet en el bolsillo.

¿Por qué las criptomonedas comienzan a ser consideradas como una alternativa de pago?

En el ambiente digital, se habla a menudo del concepto de descentralización contra los monopolios tecnológicos. Puedes encontrar un ejemplo aquí (metodologías alternativas en la forma de ejecutar aplicaciones, servicios o productos que viajan en más de una nube). 

Esas pocas empresas no deberían utilizar la información personal de los usuarios para su propio beneficio. Con el dinero, también se reclama en nuestra sociedad que no sea centralizado ni hegemónico; en este caso, la solución es las criptomonedas, una moneda que no está controlada necesariamente por un gobierno o un banco central.

Debido al uso de blockchain, las transacciones de criptomonedas son completamente transparentes porque en esta base de datos distribuida, todos los usuarios pueden ver cuáles son las partes de esta operación y cuánto cripto se está intercambiando.

Las criptomonedas están expuestas a la volatilidad del mismo modo que las monedas tradicionales. Los eventos globales que afectan a un país que mina criptomonedas o los cortes de energía en estas granjas de criptomonedas que tienen los servidores físicos para minar cripto, podrían afectar el valor de estas monedas digitales.

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