{"id":71072,"date":"2025-10-20T16:39:35","date_gmt":"2025-10-20T19:39:35","guid":{"rendered":"https:\/\/economiasa.com.br\/blog\/?p=71072"},"modified":"2025-10-20T16:39:36","modified_gmt":"2025-10-20T19:39:36","slug":"cripto-e-o-futuro-dos-programas-de-beneficios","status":"publish","type":"post","link":"https:\/\/economiasa.com.br\/blog\/cripto-e-o-futuro-dos-programas-de-beneficios\/","title":{"rendered":"Cripto \u00e9 o futuro dos programas de benef\u00edcios"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/economiasa.com.br\/blog\/wp-content\/uploads\/2025\/10\/Luiz-Ramalho-Magie.jpg\" alt=\"Luiz Ramalho - Cr\u00e9ditos da foto: Divulga\u00e7\u00e3o\" class=\"wp-image-71073\"\/><figcaption class=\"wp-element-caption\">Luiz Ramalho \u2013 Cr\u00e9ditos da foto: Divulga\u00e7\u00e3o<\/figcaption><\/figure>\n\n\n\n<p><em>Por Luiz Ramalho, CEO Unbank (criadores da Magie e mcoin)<\/em><\/p>\n\n\n\n<p>Nos \u00faltimos anos, criptoativos deixaram de ser apenas investimento e come\u00e7aram a ocupar espa\u00e7o em novos contextos de valor. Um deles \u00e9 o dos programas de benef\u00edcios e fideliza\u00e7\u00e3o, que passam por um momento de transforma\u00e7\u00e3o.<\/p>\n\n\n\n<p>Tradicionalmente dominados por pontos e milhas, esses programas enfrentam problemas estruturais: a falta de transpar\u00eancia, o controle centralizado e a infla\u00e7\u00e3o. Os pontos e milhas sempre perdem valor ao longo do tempo e consequentemente o engajamento do consumidor tamb\u00e9m cai.<\/p>\n\n\n\n<p>O potencial de transformar recompensas em tokens digitais est\u00e1 justamente na transpar\u00eancia, liquidez e escassez. Em vez de pontos que expiram, emitidos sem transpar\u00eancia e que s\u00f3 funcionam dentro de um \u00fanico programa, o usu\u00e1rio pode receber um ativo rastre\u00e1vel, negoci\u00e1vel e com emiss\u00e3o pr\u00e9 definida, com valor monet\u00e1rio real e instant\u00e2neo.<\/p>\n\n\n\n<p>Um relat\u00f3rio da Deloitte sobre blockchain e programas de fidelidade mostra que o uso da tecnologia pode reduzir custos operacionais e aumentar as taxas de resgate, ao permitir que consumidores possam movimentar suas recompensas em ecossistemas abertos, interoper\u00e1veis e audit\u00e1veis.<\/p>\n\n\n\n<p>Esse movimento se fortalece em um contexto de maturidade digital crescente. O Brasil hoje \u00e9 um dos pa\u00edses que mais utilizam criptomoedas no mundo \u2014 segundo a Chainalysis, ocupa posi\u00e7\u00e3o de destaque entre os dez primeiros em ado\u00e7\u00e3o global. Apenas em 2024, brasileiros movimentaram US$ 6,1 bilh\u00f5es em compras de criptoativos, segundo o Banco Central. J\u00e1 16% dos brasileiros afirmam ter usado criptomoedas em pagamentos, de acordo com pesquisa da Foxbit. Esses n\u00fameros evidenciam uma familiaridade cada vez maior com o uso de tokens na rotina financeira.<\/p>\n\n\n\n<p>A combina\u00e7\u00e3o entre pagamentos instant\u00e2neos via Pix, que ultrapassaram 42 bilh\u00f5es de transa\u00e7\u00f5es em 2024, e a tokeniza\u00e7\u00e3o de benef\u00edcios, abre espa\u00e7o para um novo ciclo de engajamento entre consumidores e servi\u00e7os financeiros. Imagine um modelo em que cada pagamento possa gerar um ativo digital de forma transparente, sem intermedia\u00e7\u00e3o e com possibilidade de valoriza\u00e7\u00e3o futura.<\/p>\n\n\n\n<p>Algumas iniciativas come\u00e7am a traduzir essa vis\u00e3o em pr\u00e1tica. Entre elas est\u00e1 a cria\u00e7\u00e3o de tokens de recompensa vinculados a pagamentos digitais, que devolvem valor ao usu\u00e1rio de forma direta. A Mcoin, por exemplo, surge nesse contexto: n\u00e3o como uma promessa especulativa, mas como um experimento do mercado brasileiro em usar criptomoedas como ferramenta de incentivo em cima do pix. Um passo dentro de uma tend\u00eancia maior, onde cada transa\u00e7\u00e3o deixa de ser apenas um gasto e passa a representar tamb\u00e9m constru\u00e7\u00e3o de valor junto ao usu\u00e1rio.<br><br><em>Por Luiz Ramalho, CEO Unbank (criadores da Magie e mcoin)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por Luiz Ramalho, CEO Unbank (criadores da Magie e mcoin) Nos \u00faltimos anos, criptoativos deixaram de ser apenas investimento e come\u00e7aram a&#8230;<\/p>\n","protected":false},"author":34,"featured_media":71073,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1970],"tags":[],"ppma_author":[],"class_list":{"0":"post-71072","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tecnologia"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cripto \u00e9 o futuro dos programas de benef\u00edcios - 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