{"id":1050,"date":"2019-05-09T20:28:13","date_gmt":"2019-05-09T20:28:13","guid":{"rendered":"https:\/\/archilaabogados.com\/?p=1980"},"modified":"2022-05-27T05:54:40","modified_gmt":"2022-05-27T05:54:40","slug":"rappipay-intermediacion-financiera","status":"publish","type":"post","link":"https:\/\/archilaabogados.com\/en\/2019\/05\/09\/rappipay-intermediacion-financiera\/","title":{"rendered":"RappiPay: \u00bfIntermediaci\u00f3n financiera?"},"content":{"rendered":"<p><strong>Columna de opini\u00f3n de David Toro Ochoa para Diario La Rep\u00fablica. (Mayo 2019).<\/strong><\/p>\n<p><strong>RappiPay: \u00bfIntermediaci\u00f3n financiera?<\/strong><\/p>\n<p>No es extra\u00f1o para nadie que las econom\u00edas colaborativas con base en aplicaciones m\u00f3viles se est\u00e1n haciendo un lugar cada vez m\u00e1s grande en los mercados. En el a\u00f1o 2015 entr\u00f3 al mercado colombiano una compa\u00f1\u00eda llamada Rappi, definida por Jos\u00e9 Bonilla \u2013CEO de Imaginamos, empresa incubadora de Rappi\u2013 como \u201cuna aplicaci\u00f3n m\u00f3vil por medio de la cual los usuarios pueden pedir todo tipo de domicilios, incluso hasta dinero en efectivo\u201d.<\/p>\n<p>Sin embargo, los servicios ofrecidos por Rappi no se han limitado \u00fanicamente en permitirle al usuario pedir domicilios de forma m\u00e1s f\u00e1cil, sino que cuentan con dos servicios que han \u201cfacilitado\u201d las formas de pago y acceso a dinero en efectivo por parte de sus usuarios. Estos dos servicios son RappiPay y RappiCash.<\/p>\n<p>Seg\u00fan la informaci\u00f3n contenida en la p\u00e1gina web, RappiPay les permite a los usuarios pagar por bienes y servicios escaneando el c\u00f3digo QR que aparezca en los restaurantes aliados a Rappi y transferir dinero a trav\u00e9s de una billetera m\u00f3vil. Para poder hacer cualquiera de las dos cosas, es necesario que de forma previa el usuario haya recargado su cuenta a trav\u00e9s de una tarjeta de cr\u00e9dito o de una cuenta bancaria. Por su parte, RappiCash funciona como un cajero autom\u00e1tico a domicilio, que permite a las personas recibir hasta un monto de 400.000 COP, pagando por esto el valor del env\u00edo m\u00e1s una comisi\u00f3n adicional del 2.5%.<\/p>\n<p>Es imposible que los servicios descritos no llamen la atenci\u00f3n del p\u00fablico, pues, el poder retirar dinero o pagar en establecimientos de comercio, son actos que normalmente realizamos a trav\u00e9s de nuestras tarjetas d\u00e9bito y cr\u00e9dito, expedidas por una entidad bancaria. En ese sentido, surge la duda de c\u00f3mo Rappi nos ha permitido realizar operaciones financieras que antes solo ve\u00edamos limitadas a los bancos.<\/p>\n<p>Al respecto, en el art\u00edculo 335 de nuestra constituci\u00f3n pol\u00edtica se previ\u00f3 que \u201clas actividades financiera, burs\u00e1til, aseguradora y cualquier otra relacionada con el manejo, aprovechamiento e inversi\u00f3n de los recursos de captaci\u00f3n (\u2026) son de inter\u00e9s p\u00fablico y s\u00f3lo pueden ser ejercidas previa autorizaci\u00f3n del Estado\u201d. La Superintendencia Financiera ha definido la captaci\u00f3n de recursos como \u201cla recepci\u00f3n masiva de dinero sin que se prevea como contraprestaci\u00f3n un bien o servicio, y cuando esta es masiva, solo puede ejercerse por parte de personas autorizadas por la referida autoridad\u201d.<\/p>\n<p>Por la forma en c\u00f3mo funciona RappiPay, podr\u00edamos pensar que Rappi estar\u00eda recibiendo dinero de sus usuarios, el cual tendr\u00e1n disponible para usar al momento de realizar pagos en algunos establecimientos. Lo anterior nos lleva a preguntarnos: \u00bftendr\u00e1 Rappi autorizaci\u00f3n para poder recibir dinero de sus usuarios a trav\u00e9s de la funci\u00f3n de RappiPay? \u00bfde d\u00f3nde proviene el dinero que Rappi pone al servicio de sus usuarios a trav\u00e9s de RappiCash? \u00bfde su patrimonio o del dinero que los usuarios cargan a RappiPay?<\/p>\n<p>En el primero de los casos no habr\u00eda problema alguno, pues el dinero est\u00e1 saliendo directamente de Rappi; en el segundo, estar\u00edamos frente a una situaci\u00f3n de intermediaci\u00f3n financiera, que requiere necesariamente de autorizaci\u00f3n por parte de la Superintendencia Financiera de Colombia.<\/p>\n<p>Aun no hay claridad sobre la respuesta a todos los interrogantes que hemos planteado. Lo cierto es que los mercados cambian cada d\u00eda. <strong>Algunos dir\u00e1n que habr\u00eda que regular los servicios \u201cfinancieros\u201d que Rappi presta. En nuestra opini\u00f3n, deber\u00edamos liberalizar la econom\u00eda y quitarles los privilegios a los bancos.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Columna de opini\u00f3n de David Toro Ochoa para Diario La Rep\u00fablica. (Mayo 2019). RappiPay: \u00bfIntermediaci\u00f3n financiera? No es extra\u00f1o&#8230;<\/p>","protected":false},"author":1,"featured_media":876,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[15],"tags":[51],"class_list":["post-1050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diario-la-republica","tag-asuntos-legales"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RappiPay: \u00bfIntermediaci\u00f3n financiera? - Archila Abogados<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/archilaabogados.com\/en\/2019\/05\/09\/rappipay-intermediacion-financiera\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RappiPay: \u00bfIntermediaci\u00f3n financiera? - Archila Abogados\" \/>\n<meta property=\"og:description\" content=\"Columna de opini\u00f3n de David Toro Ochoa para Diario La Rep\u00fablica. 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