October 14, 2025
One of the outstanding features of this time is the ease with which, in a few seconds, and via a phone or a computer, we can move our savings from one place to another, from Home Banking to an App, to a virtual wallet or a principal account (Photo: Patrick Pleul/dpa)

We live in a reality in permanent transformation. In the financial system, new investment options and actors have joined a world traditionally linked to banks and brokerage firms, products such as the dollar, fixed terms and mutual funds. One of the outstanding features of this time is the ease with which, in a few seconds, and via a phone or a computer, we can move our savings from one place to another, from Home Banking to an App, to a virtual wallet or a client account.

This implies greater levels of freedom to choose the destination of our savings based on the knowledge we obtain or the experiences of people we trust. Hence the transcendental importance that the information that reaches us acquires, be it via social networks, the media, people or companies.

Recently, countries such as Spain, the United Kingdom and Singapore have regulated misleading investment advertising, especially that aimed at crypto assets.

In this sense, from the National Securities Commission (CNV), in recent times, we have noticed with concern a growing phenomenon linked to offers of investments in cryptocurrencies, credits, non-regulated investment funds, currencies, gold and others, in the which the risks associated with each…

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