The yields of virtual wallets will be affected downward, since they depend on the investment of balances in common investment funds (FCI) of immediate rescue.
After several days of expectation in the market, the Central Bank (BCRA) decided on Thursday to reduce the reference rate in pesos from 32% to 29%. This measure was taken in Vespers of a deceleration in the rhythm of devaluation And, according to the government, it responds to the fall in inflation expectations.
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Immediately, the banks adjusted the interest rates of the fixed deadlines. Until Thursday, entities offered yields close to 28% for 30 -day placements, but now they are around annual nominal 25%. But in the case of virtual wallets, the impact will be much slower than in banks.


Virtual wallet yields will also be affected downward, since they depend on the investment of balances in common investment funds (FCI) immediate rescue, known as Money Market. These funds, in turn, channel capital towards highly liquid options, such as Remunerated accounts, fixed deadlines and ciones, which are impacted by the reduction of the reference rate.
The bond rate, which ranged between 31%and 33%, should approach 29%. In the same way, the funds Money Market They probably record a decrease in their yields due to their composition in short -term assets.
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The bond rate, which ranged between 31%and 33%, should approach 29%.
What is the virtual wallet and the FCIs that pay the most
In this context, some wallets have already updated the TNA they offer while others are still above. The complete list, as you compare:
- Coconuts: 35.1% TNA
- Ulá: 35% (limit $ 750,000)
- Orange x: 31% (limit $ 600,000)
- Pay staff: 30.5%
- Prex: 29.7%
- Payment market: 29.5%
- N1U: 27.8%
- Astropay: 27.3%
- Lemon: 26.7% (limit $ 1,500,000)
Common investment funds
- Ulá: 30.4%
- Banza: 29.4%
- ICBC: 29.06%
- Balanz: 29.05%
- IEB: 28.9%
- Supervielle: 28.5%
- Savings coconuts: 27.9%
- Santander: 27.7%
- Macro: 27.4%
- Galicia: 26.7%
Source: Ambito

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