{"id":14523,"date":"2018-03-07T11:23:00","date_gmt":"2018-03-07T10:23:00","guid":{"rendered":"https:\/\/www.fundacionbankinter.org\/noticias\/la-internet-del-valor\/"},"modified":"2025-12-01T23:29:30","modified_gmt":"2025-12-01T22:29:30","slug":"la-internet-del-valor","status":"publish","type":"noticias","link":"https:\/\/www.fundacionbankinter.org\/en\/news\/la-internet-del-valor\/","title":{"rendered":"The Internet of Value"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Blockchain<\/strong>\u00a0is said\u00a0to be enabling, or <strong>will enable,\u00a0Web 3.0:<\/strong>\u00a0the next generation of how users and applications will interact over the Internet, where <a href=\"https:\/\/www.fundacionbankinter.org\/en\/ftf-informes\/blockchain\/#report-section-00\">\u00a0<strong>\u00a0 Personal data of users will be owned by such users<\/strong><\/a>\u00a0and where we\u00a0can <strong>exchange assets of various kinds<\/strong>\u00a0with each other or for money. Creation of The Internet of Value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The<strong>&nbsp;<a href=\"https:\/\/www.fundacionbankinter.org\/ftf\/tendencias\/el-futuro-del-dinero\/tecnologias-facilitadoras-de-la-revolucion-monetaria\/tecnologias-de-registro-distribuido\" target=\"_blank\" rel=\"noreferrer noopener\">informs more advanced Blockchain<\/a>&nbsp;platforms have a programmatic nature, that is,&nbsp;<\/strong>they allow embedding programs that execute different actions based on different events. This is what is called&nbsp;<strong>&#8220;smart contracts&#8221;.<\/strong> &nbsp;This will allow the development of applications that&nbsp;<strong>drastically reduce time and costs in processes<\/strong>&nbsp;such as claims management for insurance companies or the study of the granting of credits for financial companies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A&nbsp;<strong>&#8220;smart contract&#8221;&nbsp;<\/strong>is a<strong>&nbsp;computer program that contains the terms of the agreement between different actors&nbsp;<\/strong>(in general, the buyer and the seller). The code and agreements contained in it exist in a decentralized and distributed Blockchain network. Actually, and in order not to deceive us by name,<strong>&nbsp;a &#8220;smart contract&#8221; is neither more nor less than a computer code, in<\/strong> particular that&nbsp;<strong>it is executed in a distributed environment,<\/strong>&nbsp;which allows transactions and reliable agreements to be made between parties that do not know each other&nbsp;<strong>without the need for a central authority.&nbsp;<\/strong>These transactions are traceable,  transparent and irreversible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From this concept,&nbsp;<strong>DApps<\/strong>&nbsp;(acronym for &#8220;Decentralized Applications&#8221;) emerge. DApps are&nbsp;<strong>decentralized applications that use &#8220;smart contracts&#8221;.<\/strong> &nbsp;A DApp is very similar to a traditional web application for the user. The front-end uses exactly the same technology to create the page. The only important difference is that<strong>,&nbsp;instead of an API that connects to a database, it has a &#8220;smart contract&#8221; that connects to a Blockchain.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The enormous potential<\/strong>&nbsp;of DApps and smart contracts&nbsp;<strong>arises when we combine these innovations with the &#8220;tokenization&#8221; of assets.&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What does &#8220;tokenize&#8221; mean? Tokenization is a method that&nbsp;<strong>converts rights to a real asset into a digital token.&nbsp;<\/strong>That is, it is the digital representation of the rights or value of a real asset or a fraction of those rights or security.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Tokenization&#8221;<strong>&nbsp;allows to have a representation of the &#8220;real world&#8221; in the &#8220;digital world&#8221;,<\/strong> so it promises a myriad of applications that will allow fast, secure, cheap and universal transactions, on commercial or legal exchanges that today take days or weeks to execute.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the report just published by the European Commission&#8217;s science and knowledge service,&nbsp;<a href=\"http:\/\/publications.jrc.ec.europa.eu\/repository\/bitstream\/JRC117255\/blockchain_online.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">&#8220;Blockchain Now And Tomorrow&#8221;,<\/a> tokenization could be applied, for example, to money, insurance policies, contracts, property titles, medical and educational records, birth and marriage certificates, purchase and sale of goods and  services, or any transaction or asset that can be translated into a digital format. According to this report,<strong>&nbsp;the potential of Blockchain to bring about far-reaching<\/strong>&nbsp;changes in the economy, industry and society, both now and tomorrow,<strong>&nbsp;is being explored across sectors and by a wide variety of organizations.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An example that gives&nbsp;us <a href=\"https:\/\/www.linkedin.com\/in\/mar%C3%ADa-parga-04a97a5b\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mar\u00eda Parga<\/a>, President of Alastria, to illustrate the<strong>&nbsp;potential of DApps<\/strong>, &#8220;smart contracts&#8221; and &#8220;tokenization&#8221; is that you can send 20 euros from Spain to your child studying in the United States that will only be used to buy a certain book or to buy a certain transport ticket. That is,&nbsp;<strong>money programmed to be exchanged in a certain way.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La tecnolog\u00eda Blockchain permitir\u00e1 el desarrollo de un nuevo internet donde los usuarios y aplicaciones interactuar\u00e1n de forma mas segura y con m\u00e1s valor. <\/p>\n","protected":false},"featured_media":13106,"template":"","meta":{"_acf_changed":false,"_oaas_summary":"Blockchain technology is poised to drive the evolution of Web 3.0, a new era of internet interaction where users control their personal data and can exchange various assets directly or for money, creating what is termed the Internet of Value. Advanced blockchain platforms enable \"smart contracts,\" which are self-executing computer programs that automatically enforce agreements between parties without requiring a central authority. These contracts operate on decentralized networks, making transactions transparent, traceable, and irreversible. This capability is transforming processes such as insurance claims and credit approvals by reducing time and costs significantly.\n\nBuilding on smart contracts are Decentralized Applications (DApps), which resemble traditional web apps but connect to blockchain through smart contracts instead of conventional databases. When combined with tokenization\u2014the conversion of rights to real-world assets into digital tokens\u2014this technology promises rapid, secure, and cost-effective transactions. Tokenization enables digital representations of assets like money, property titles, insurance policies, and certificates, facilitating exchanges that currently take days or weeks. According to the European Commission, blockchain\u2019s potential to reshape the economy and society is being widely explored. For example, programmable money can be sent with restrictions, such as a parent sending funds to a child abroad that can only be spent on specific items, showcasing the transformative power of blockchain-enabled smart contracts and tokenization.","_oaas_audio_url":"https:\/\/www.fundacionbankinter.org\/wp-content\/uploads\/2025\/12\/summary-14523-1764628174.mp3"},"categories":[],"class_list":["post-14523","noticias","type-noticias","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Internet of Value<\/title>\n<meta name=\"description\" content=\"Blockchain technology will allow the development of a new internet where users and applications will interact more securely and with more value.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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