Cómo invertir en criptomoneda sin matar los ahorros en el intento

Plazos fijos en dólares con criptomonedas: cuáles son las opciones para obtener una renta invirtiendo en Bitcoin y otros ciber activos

En el todavía naciente mundo blockchain hay casi infinitas maneras de poner a trabajar los ahorros. Algunas son de plataformas locales, otras del exterior. La brecha de tasas que ofrecen es enorme, pero también el riesgo

El universo de las criptomonedas tuvo hace poco su big bang y, sin embargo, en un período tan pequeño ya se expandió a dimensiones inabarcables. Monedas, activos, tokens, préstamos, mercados de futuros, contratos inteligentes y toda una variedad de servicios financieros que hasta hace poco estaban reservados a mercados tradicionales ya están disponibles y al alcance de la mano de cualquiera que se aventure a invertir parte de su capital en él. En ese contexto, tanto en plataformas basadas en la Argentina como en las de cualquier parte del mundo ya existen formas de colocar criptomonedas para obtener una renta fija, una tasa, en la misma moneda que se depositó.

Las tasas de rendimiento que se pueden obtener son, en comparación con el mercado financiero tradicional, poco menos que siderales. Basta con dar una mirada por una web que compila los rendimientos disponibles en distintas plataformas para verlo. Por ejemplo, colocar Ustdt (una stablecoin que imita el valor del dólar) en la plataforma Fulcrum promete una tasa del 12,83% anual. No es una tasa en dólares, sino una tasa en Ustdt, pero para fines prácticos se podría tomar como equivalente dado que esa criptomoneda cotiza 1 a 1 con el dólar.

Buen momento para detenerse a pensar un poco qué significan semejantes tasas de rendimiento. Este viernes la tasa de los Bonos del Tesoro de los Estados Unidos a 10 años de plazo, considerada la tasa libre de riesgo para el sistema financiero global o “la inversión más segura del mundo” cerró en el 1,66% anual en dólares. Y es considerada una tasa alta para los estándares de los últimos años.

Un concepto financiero básico es que la tasa es directamente proporcional al riesgo: a mayor tasa, más riesgosa la inversión. El de las criptomonedas es, todavía, un mercado para manejarse con pies de plomo.

Así lo explica, por ejemplo, un creyente en la revolución del blockchain como Eduardo del Pino, CEO de Bitex, una plataforma de intercambio de criptomonedas.

Hoy el mundo de las criptomonedas no es un terreno para principiantes. Si alguien que recién empieza me pregunta dónde invertir para obtener una tasa, le digo que en ningún lado. Y si insiste mucho, le digo que sólo invierta un capital ínfimo a modo experimental”, dijo Del Pino a Infobae.

“Es un mundo fascinante y lo que está pasando me entusiasma, pero todavía es un mercado en formación en el que va a haber éxitos y fracasos. Con lo cual, si alguien quiere probar a modo experimental, me parece perfecto”, agregó.

Riesgos existen para justificar semejantes tasas. Uno, clásico de los mercados financieros, es el riesgo de contraparte: que la empresa o plataforma en la que se opere sufra alguna corrida o problema financiero grave. Otro es el riesgo de hackeo, en el que han caído involuntariamente varias startups muy bien intencionadas. Y, por último, está la extrema volatilidad del mercado cripto, que puede hacer que ante una interrupción de la exuberancia que domina a los precios de algunas de las monedas más operadas se revierta y se genere algún efecto de puerta doce.

“Los riesgos son los de contraparte, sobre todo en las plataformas centralizadas. Que la empresa a la que le estás prestando desaparezca, por poner un ejemplo. En una inversión descentralizada, en la que no hay un ente concertando los contratos sino que responden a una programación que se ejecuto independientemente de la intervención humana, el riesgo es que el contrato inteligente tenga un fallo de diseño. Ahí el riesgo de contraparte es menor porque vos cuando tomás un préstamo en estas plataformas, estás sobrecolateralizado. Es decir, se deposita en garantía un monto que cubre el riesgo”, explica Manuel Beaudroit, CEO y Cofundador de Belo.

“Y por último el riesgo del ecosistema, es decir, si empieza a haber corridas que de alguna manera no llegues a liquidar la posición tan rápido”, concluyó.

Teniendo en cuenta eso, existe una infinidad de alternativas para colocar criptomonedas a tasa fija y obtener un rendimiento a cambio. Si se está dispuesto a aventurarse.

Una de las más agresivas en materia de comunicación en la Argentina es la que ofrece la plataforma Buenbit a partir de la moneda estable DAI, otro token que sigue a la cotización del dólar estadounidense. Buenbit ofrece hoy en publicidades online rendimientos del 9% anual -digamos “en dólares” para simplificar- en esa criptomoneda. Al ser empresas sin regulación del Banco Central ni de la Comisión Nacional de Valores, esa tasa no se informa de la misma manera que en un banco.

Ese 9% anual es por colocaciones a plazo de un día, es decir, capitaliza a diario. Con lo cual, no es una tasa nominal anual -como la que informa un banco de un plazo fijo- sino una tasa efectiva anual, el resultado de intereses capitalizados a diario hasta alcanzar ese rendimiento compuesto en el plazo de un año.

¿Cómo se obtiene ese rendimiento? “El rendimiento se obtiene invirtiendo los fondos de usuarios que activan esta funcionalidad en distintos protocolos del ecosistema de las finanzas descentralizadas (DeFi). Los mejores protocolos, con el nivel más alto de calidad y seguridad, se encuentran en Ethereum, y Buenbit los selecciona en conjunto con una estrategia acorde gracias a que tenemos un equipo especializado para esto”, explicó Emiliano Limia, vocero de Buenbit.

El vocero describe a las inversiones como una estrategia activa, más que nada en colocaciones similares a una tasa a un día -overnight- en la que los DAI de los ahorristas se prestan para dar liquidez a distintas plataformas. Así, se obtienen los resultados de los que una parte queda en la billetera del ahorrista cripto.

En cuanto al riesgo, la empresa admite que existe -como en toda inversión financiera- pero considera que es de menor magnitud de la que se cree.

“Se podría pensar que la brecha entre los rendimientos de las finanzas tradicionales y los de las finanzas descentralizadas (DeFi) responde a una brecha de riesgo de la misma magnitud. Pero no es así”, dijo Limia. “Lo cierto es que los riesgos en DeFi pueden ser controlados, y sus rendimientos se pueden optimizar ya que casi no hay intervención de terceros, los capitales fluyen libremente, y las reglas de los protocolos están sujetas a un código de programación. Entre los riesgos particulares que pueden tener estos protocolos, y que mencionamos en nuestros términos y condiciones de inversiones, están las condiciones del mercado de criptomonedas en cuanto a la volatilidad de activos. Sin embargo, al tratarse DAI de una criptomoneda estable, se mitiga muy bien este riesgo”, agregó.

Ariel Scaliter, director del programa ejecutivo de Criptomonedas, blockchain y contratos inteligentes de Ucema., explica que no hay nada de antinatural en semejantes tasas de rendimiento. Pero tampoco nada nuevo bajo el sol: “más tasa es más riesgo”. Sin embargo, si las empresas pueden pagar esas tasas es porque el mundo cripto tiene mercados que permiten ofrecer esos resultados.

“Hay todo un mercado de préstamos en plataformas de trading, en las que como inversor yo dejo mis cripto como colateral (garantía), la juego y después devuelvo esa plata. Si a mi me cobrás 11% anual, pero yo uso la plata durante dos horas, no me molesta. Y capaz que en la jugada con bitcoin me gano el 8% directo, no anual. Todavía hay mucho mercado para estos préstamos que se llaman flash”, dijo el docente.

“Hay que tener cuidado con eso, porque no todas las plataformas tienen la misma liquidez. Si hay una corrida, no sé si todas las plataformas van a tener la liquidez para responder. Pero si me preguntás si es lógico pagar tasas altas en cripto, te digo que si. Porque hay muchos mercados que necesitan liquidez que arrojan tasas altas que te permiten pagar esas tasas a quien te deposita. Pero el mundo es el mismo, la tasa es riesgo siempre. Ya estar en cripto tiene un riesgo inherente. Y este es otro más”, explicó Scaliter.

Otra plataforma local que ofrece colocar criptomonedas a cambio de una tasa es Ripio. En este caso, lo hace con tres criptomonedas distintas. USDC, una criptomoneda estable que sigue al dólar como USDT o DAI, ofrece una tasa anual del 6% anual. De nuevo, tampoco es una tasa en dólares, pero al ser una moneda estable que sigue al dólar se podría asociar de alguna manera a una.

También permite colocar Bitcoin a una tasa también fija del 2,5% anual, pagadera en la propia criptomoneda, o en Ether -la moneda de la red Ethereum- al 4% anual.

La plataforma no es tan agresiva en su comunicación. Su negocio principal, todavía, es dar acceso a la compra y venta de distintas criptomonedas. Pero el servicio está disponible como “Ripio Earn”.

Belo, la plataforma de Beaudroit, no tiene todavía una alternativa para sacar una tasa fija a pero asegura que “muy pronto” la va a tener. Mientras tanto, recomienda además de las plataformas locales algunas de las opciones más populares en el mercado global -al fin y al cabo, una vez que se es dueño de criptomonedas las fronteras dejan de existir- por su popularidad y liquidez que, hasta cierto punto, reduce los riesgos.

“Entre las plataformas centralizadas, páginas administradas por empresas en las que se deposita cripto y hay una administración de esos fondos, tenés opciones como Blockfi, Quantia y Kraken”, dijo Ariel Scaliter.

“Entre las descentralizadas, en las que contratos inteligentes concretan las transacciones sin intervención humana, Fulcrum, Aave y Compund v2 son algunas de las más usadas”, comentó el experto.

El problema para las plataformas locales es que tienen que ser muy cuidadosas con la comunicación. En sí, si promocionan las colocaciones de renta fija en criptomonedas están muy cerca de ofrecer un servicio de intermediación financiera: tomar fondos para prestar a terceros. Un terreno reservado para los bancos y controlado con puño de hierro por el Banco Central. En las plataformas que no están localizadas aquí, poco puede hacer la regulación local por impedir el desarrollo del mercado o -si se quiere- proteger a los ahorristas.

Para Ariel Scaliter de Ucema, Blockfi es probablemente la mejor alternativa para principiantes.

“Porque es grande, porque recibió muchas inversiones que la fortalecieron y eso hace que el riesgo de contraparte sea menor. Es confiable”, dijo el docente.

La plataforma, que permite inversiones desde USD 1 en adelante y, de acuerdo a la moneda que se deposite, rendimientos del 3% al 9% anual, alerta a los usuarios estadounidenses respecto a que sus colocaciones no están reguladas y, por lo tanto, no están aseguradas por la Corporación Federal de Seguros de Depósitos (FDIC) por sus siglas en inglés. De la misma forma en que el seguro de depósitos argentino no está disponible para los usuarios argentinos.

La clave, para minoristas, en todo caso es ir de a poco y no arriesgar una parte importante del capital propio.

“Sobre todo si estamos hablando de montos minoristas, el riesgo es aceptable. No es lo mismo si estás invirtiendo USD 1 millón que USD 100 o USD 500″, agregó Scaliter. “Para el usuario que recién entra en el mundo cripto hay que probar, googlear la reputación de las empresas, ver las opiniones de usuarios y una vez que se familiarizan ir a montos mayores y algo más complejo”, concluyó.

Por Matías Barbería. Publicado en UCEMA e Infobae

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