<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>0120-2596</journal-id>
<journal-title><![CDATA[Lecturas de Economía]]></journal-title>
<abbrev-journal-title><![CDATA[Lect. Econ.]]></abbrev-journal-title>
<issn>0120-2596</issn>
<publisher>
<publisher-name><![CDATA[Universidad de Antioquia]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S0120-25962023000200245</article-id>
<article-id pub-id-type="doi">10.17533/udea.le.n99a351176</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Criptomonedas: historia, inmersión en los procesos productivos y perspectivas a futuro de las CBDC]]></article-title>
<article-title xml:lang="en"><![CDATA[Cryptocurrencies: history, immersion in the production processes and future prospects of CBDCs]]></article-title>
<article-title xml:lang="fr"><![CDATA[Cryptomonnaies: histoire, immersion dans les processus de production et perspectives futures des CBDC]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Barreto]]></surname>
<given-names><![CDATA[Israel Barrutia]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Alberto]]></surname>
<given-names><![CDATA[Manuel Nicolas Morales]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Soto]]></surname>
<given-names><![CDATA[Carlos Enrique García]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Huaman]]></surname>
<given-names><![CDATA[José Vergaray]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad Nacional Federico Villareal  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad Nacional Santiago Antúnez de Mayolo  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Peru</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,Universidad Nacional de Barranca  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
</aff>
<aff id="Af4">
<institution><![CDATA[,Universidad Nacional de Barranca  ]]></institution>
<addr-line><![CDATA[ ]]></addr-line>
<country>Perú</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2023</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2023</year>
</pub-date>
<numero>99</numero>
<fpage>245</fpage>
<lpage>282</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S0120-25962023000200245&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S0120-25962023000200245&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S0120-25962023000200245&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen: El presente artículo tiene como objetivo brindar una revisión acerca de las criptomonedas y su rol en la economía moderna, centrándose en la inmersión de las criptofinanzas en el sector real de la economía y sus procesos productivos, desde su creación y su tecnología subyacente hasta la concepción y desarrollo a futuro de las monedas digitales de banco central (CBDC). Se evidencia que las criptomonedas, pese a su gran popularidad en ciertos sectores, tiene aún poca relevancia en los procesos productivos. No obstante, y sobre todo con la posibilidad de que las autoridades monetarias emitan su versión de moneda digital, se espera que la relación entre las criptofinanzas y el sector real de la economía sea cada vez mayor.  Clasificación JEL: E42, E51, G23, O33, O38.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract: This article aims to give a review about cryptocurrencies and their role in the modern economy. This work focuses on the immersion of cryptofinance in the real sector of the economy and its productive processes, from its creation and its underlying technology to the conception and future development of central bank digital currencies (CBDC). It is found that so far cryptocurrencies, despite their great popularity in certain sectors, still have little relevance in productive processes. However, and especially with the possibility of the monetary authorities issuing their version of digital currency, it is expected that the relationship between cryptofinance and the real sector of the economy will be growing.]]></p></abstract>
<abstract abstract-type="short" xml:lang="fr"><p><![CDATA[Résumé: Cet article vise à fournir une revue des crypto-monnaies et de leur rôle dans l&#8217;économie moderne, en se concentrant sur l&#8217;immersion de la cryptofinance dans le secteur réel de l&#8217;économie et ses processus de production, depuis sa création et sa technologie sous-jacente jusqu&#8217;à sa conception et son développement futur. des monnaies numériques des banques centrales (CBDC). Il est évident que les crypto-monnaies, malgré leur grande popularité dans certains secteurs, ont encore peu d&#8217;importance dans les processus de production. Cependant, et notamment avec la possibilité pour les autorités monétaires d&#8217;émettre leur propre version de la monnaie numérique, la relation entre la cryptofinance et le secteur réel de l&#8217;économie devrait se développer.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Criptomoneda]]></kwd>
<kwd lng="es"><![CDATA[Economía digital]]></kwd>
<kwd lng="es"><![CDATA[Tecnología financiera]]></kwd>
<kwd lng="es"><![CDATA[Moneda]]></kwd>
<kwd lng="es"><![CDATA[Banco central]]></kwd>
<kwd lng="en"><![CDATA[Cryptocurrency]]></kwd>
<kwd lng="en"><![CDATA[Digital economy]]></kwd>
<kwd lng="en"><![CDATA[Financial technology]]></kwd>
<kwd lng="en"><![CDATA[Currency]]></kwd>
<kwd lng="en"><![CDATA[Central bank]]></kwd>
<kwd lng="fr"><![CDATA[Cryptomonnaie]]></kwd>
<kwd lng="fr"><![CDATA[Économie numérique]]></kwd>
<kwd lng="fr"><![CDATA[Technologie financière]]></kwd>
<kwd lng="fr"><![CDATA[Monnaie]]></kwd>
<kwd lng="fr"><![CDATA[Banque centrale]]></kwd>
</kwd-group>
</article-meta>
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