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¿Criptomonedas? Lo que la agencia tributaria no quiere que sepas. Fiscalidad 2024
Autor:
Marco Musumeci D'Agata
Economista y Especialista en DeFi
5 minutos de lectura - 21 de Marzo de 2024
A partir de este 2024, la Agencia Tributaria requiere que le informes sobre el saldo de tus criptomonedas y si no lo haces te multará.
En este artículo vamos a tratar las obligaciones tributarias dentro de una economía centralizada (nuestro día a día) y la ausencia total de las mismas dentro de las finanzas descentralizadas, proporcionando al lector una información necesaria para no cometer errores.
Comenzamos primero analizando la normativa fiscal española, y una vez que tengamos todo claro, pasaremos al punto más importante: “cómo podrías obviar la misma, sin tener jamás ningún problema tributario”.
Empezamos por los modelos 172, 173 y 721 (no tengas miedo):
Los modelos 172 y 173 se centran en compañías con residencia fiscal en España que participen en el mercado de las criptomonedas como agencias de intercambio o como monederos virtuales.
El modelo 172 se debe presentar en caso de haber obtenido un beneficio superior a 1.000 euros como saldo de monedas virtuales.
Con el modelo 173 se recabarán detalles sobre la persona o entidad que ha realizado las operaciones, el tipo de divisa que ha usado y la cantidad que ha obtenido o ha vendido.
También se deberá incluir la fecha en la que se realizó la transacción y el valor de la misma.
Ahora vamos a hablar del modelo 721:
Si tu saldo en criptomonedas, en el extranjero, es superior a 50.000 euros deberás presentar el Modelo 721 incluyendo los datos personales como el nombre, el NIF de la entidad que custodia tus criptomonedas y cuál es su valor en euros.
El RD 249/2023 indica también que no será obligatorio informar sobre criptomonedas en el extranjero si el saldo total de todas las criptomonedas a 31 de diciembre no supera los 50.000 euros.
Además, será necesario declarar todas las actividades que estén relacionadas con las criptomonedas, como la minería.
Entonces, en este punto, probablemente el 95% de los lectores que posean criptomonedas empezarán a sentir un ligero dolor de cabeza, comprensible, pero no necesario porque el artículo aún no ha terminado.
¿Cómo obviar tanta fiscalización y de forma totalmente legal?
Te lo explico ahora:
En el mundo de las criptomonedas existen 2 formas de operar. La primera y la más simple es abriendo una cuenta en un Exchange centralizado como Binance, CoinBase, Kucoin, LBank etc. Estas grandes empresas de intercambio para crear tu cuenta de usuario te piden muchos datos personales, normalmente una foto del DNI y varias fotos selfies hechas con el móvil. También te piden: dónde vives, cuál es tu cuenta corriente, tu tarjeta de crédito o débito y mucho más.
Estos son los datos, a los cuales, la Agencia Tributaria tiene acceso y a través de los cuales en casos determinados rastreará todas tus operaciones financieras.
Ten presente también que, una cosa es el saldo inferior a 50.000 euros, que te libera de presentar el modelo 721 y otra cosa son los beneficios que generas tradeando, los cuales hacienda quiere que declares y no vale que le digas que lo que ganaste lo invertiste en otras criptomonedas y que podrías perderlo nuevamente.
La Agencia Tributaria no entiende de riesgos, solo le importa tasar tus beneficios.
Entonces ¿Cómo puedes dormir tranquilo teniendo tus criptomonedas a salvo?
La respuesta se llama DeFi, esta palabra significa en inglés "Decentralized Finance" que en castellano se traduce como "Finanzas Descentralizadas". Esencialmente tus criptomonedas variables (Bitcoin, Ethereum, etc.) o estables (USDT, USDC, TUSD, etc.) se guardan en una cartera anónima, te cito aquí una de las más famosas y seguras del mundo: Trust Wallet,
¿Por qué una cartera Trust Wallet es anónima?
Cuando descargas en tu móvil Trust Wallet desde el Google Play Store o el Apple Store, la única forma de crear tu nueva cartera electrónica es a través de 12 palabras aleatorias posicionadas en un orden específico que no puedes cambiar.
Estás 12 palabras son "el propietario" de la cartera electrónica, por ello jamás puedes perderlas. Es muy aconsejable escribirlas en el mismo orden del 1 al 12 usando un bolígrafo sobre un papel, luego plastificar este papel con film de cocina y guardarlo en un lugar secreto donde nadie lo encuentre, excepto tú.
Estás 12 palabras te servirán también en caso de que pierdas tu móvil o elimines la cartera electrónica por error; gracias a ellas podrás restaurarla.
Claramente, si alguien encuentra tus 12 palabras podrá quedarse con tu cartera y con todo tu dinero, así que presta mucha atención y nunca reveles tus claves a nadie.
Una vez que tengas activada tu cartera Trust Wallet podrás comprar, vender y almacenar de forma anónima cualquier criptomoneda del mundo, variable o estable (Trust Wallet soporta todas las principales redes de la blockchain).
Si eres un principiante y no tienes conocimiento básicos de cómo empezar a invertir en tokens DeFi usando TrustWallet te sugiero buscar en google “Bitkoin” (como Bitcoin pero con K), es un token nuevo totalmente descentralizado que ha salido en preventa en estas últimas semanas; el equipo detrás del proyecto es anónimo y se hace llamar Zhao Nakamoto como lo fue Satoshi Nakamoto cuando creó Bitcoin en 2009.
Lo más original de Bitkoin, con solo 21 millones de tokens, es que reparte a sus poseedores un 5% de recompensas diarias en Bitcoin (BTC). Se prevé que su camino será tan exitoso como el de su predecesor.
Puedes participar en la preventa de Bitkoin desde solo 2,5 euros (10 Bitkoin) y gracias a los videos tutoriales que encuentras en su web oficial (www.Bitkoin.finance) podrás introducirte en el mundo de las finanzas descentralizadas de forma sencilla y segura, invirtiendo una cantidad de dinero equivalente a un buen chocolate con churros.
A través de la cartera Trust Wallet podrás conectar a 2 grandes Exchange Descentralizados llamados: PancakeSwap y Uniswap. Allí es donde podrás comprar y vender la mayoría de las criptomonedas existentes.
Ahora toca hablar de lo que más interesa al lector:
¿Cómo puedo usar mi dinero? o ¿Cómo puedo transferir dinero a mi cuenta corriente?
Una vez que hayas generando beneficios puedes hacer 2 cosas:
La primera es transferir tus beneficios (ejemplo, dólares USDT) a un Exchange centralizado (ejemplo, Binance o Coinbase) y de allí cambiarlos a euros para transferirlos a tu cuenta corriente en España, y finalmente declararlos a la Agencia Tributaria como ganancias patrimoniales pagando un impuesto que varía según la cantidad entre un 19% hasta un 26%.
La segunda opción, es no mover tus beneficios de la blockchain (DeFi), y acudir a empresas de la web3 que ofrecen tarjetas de débito para usarse en Europa.
Una de las empresa más famosa y reconocida es Monolith (DeFi debit card), su tarjeta de débito no tiene costes de abertura, tampoco coste anual, puede usarse solo en Europa, lo que cobran es un 1% para añadir tus criptomonedas a tu cartera electrónica en su web y después cobran un 1,75% de todas tus compras con un límite de 500 euros al día.
Diría, textualmente, que quien usa esta tarjeta de débito se transforma en invisible, imposible de rastrear y localizar. Un verdadero fantasma.
Así que, comprar, vender y almacenar tus criptomonedas en Trust Wallet es una opción para guardar tus tenencias "galácticas" de forma anónima.
Cuando sea tu decisión, puedes enviar tus criptomonedas a un Exchange centralizado y a partir de allí finalmente declararlas a la Agencia Tributaria.
De esta forma un patrimonio digital se mantiene anónimo, no existe identidad alguna, solo una cartera Trust Wallet con sus 12 palabras.
Este artículo es meramente informativo y el lector tiene la libertad y el derecho de poder profundizar sobre las finanzas descentralizadas tomando bajo su propia responsabilidad cualquier acción o decisión personal.
Nota: El autor de este artículo solo expresa sus conocimientos profesionales sobre las economías centralizadas y descentralizadas de forma armónica y didáctica, con el fin de poder proporcionar al lector una visión más amplia sobre sus obligaciones tributarias en el momento en el cual su patrimonio digital figure a su nombre.
#Bitcoin(BTC) #btc #HotTrends #money #taxes $BTC $ETH $BNB
Marco Musumeci D'Agata
Economista y Especialista en DeFi
5 minutos de lectura - 21 de Marzo de 2024
A partir de este 2024, la Agencia Tributaria requiere que le informes sobre el saldo de tus criptomonedas y si no lo haces te multará.
En este artículo vamos a tratar las obligaciones tributarias dentro de una economía centralizada (nuestro día a día) y la ausencia total de las mismas dentro de las finanzas descentralizadas, proporcionando al lector una información necesaria para no cometer errores.
Comenzamos primero analizando la normativa fiscal española, y una vez que tengamos todo claro, pasaremos al punto más importante: “cómo podrías obviar la misma, sin tener jamás ningún problema tributario”.
Empezamos por los modelos 172, 173 y 721 (no tengas miedo):
Los modelos 172 y 173 se centran en compañías con residencia fiscal en España que participen en el mercado de las criptomonedas como agencias de intercambio o como monederos virtuales.
El modelo 172 se debe presentar en caso de haber obtenido un beneficio superior a 1.000 euros como saldo de monedas virtuales.
Con el modelo 173 se recabarán detalles sobre la persona o entidad que ha realizado las operaciones, el tipo de divisa que ha usado y la cantidad que ha obtenido o ha vendido.
También se deberá incluir la fecha en la que se realizó la transacción y el valor de la misma.
Ahora vamos a hablar del modelo 721:
Si tu saldo en criptomonedas, en el extranjero, es superior a 50.000 euros deberás presentar el Modelo 721 incluyendo los datos personales como el nombre, el NIF de la entidad que custodia tus criptomonedas y cuál es su valor en euros.
El RD 249/2023 indica también que no será obligatorio informar sobre criptomonedas en el extranjero si el saldo total de todas las criptomonedas a 31 de diciembre no supera los 50.000 euros.
Además, será necesario declarar todas las actividades que estén relacionadas con las criptomonedas, como la minería.
Entonces, en este punto, probablemente el 95% de los lectores que posean criptomonedas empezarán a sentir un ligero dolor de cabeza, comprensible, pero no necesario porque el artículo aún no ha terminado.
¿Cómo obviar tanta fiscalización y de forma totalmente legal?
Te lo explico ahora:
En el mundo de las criptomonedas existen 2 formas de operar. La primera y la más simple es abriendo una cuenta en un Exchange centralizado como Binance, CoinBase, Kucoin, LBank etc. Estas grandes empresas de intercambio para crear tu cuenta de usuario te piden muchos datos personales, normalmente una foto del DNI y varias fotos selfies hechas con el móvil. También te piden: dónde vives, cuál es tu cuenta corriente, tu tarjeta de crédito o débito y mucho más.
Estos son los datos, a los cuales, la Agencia Tributaria tiene acceso y a través de los cuales en casos determinados rastreará todas tus operaciones financieras.
Ten presente también que, una cosa es el saldo inferior a 50.000 euros, que te libera de presentar el modelo 721 y otra cosa son los beneficios que generas tradeando, los cuales hacienda quiere que declares y no vale que le digas que lo que ganaste lo invertiste en otras criptomonedas y que podrías perderlo nuevamente.
La Agencia Tributaria no entiende de riesgos, solo le importa tasar tus beneficios.
Entonces ¿Cómo puedes dormir tranquilo teniendo tus criptomonedas a salvo?
La respuesta se llama DeFi, esta palabra significa en inglés "Decentralized Finance" que en castellano se traduce como "Finanzas Descentralizadas". Esencialmente tus criptomonedas variables (Bitcoin, Ethereum, etc.) o estables (USDT, USDC, TUSD, etc.) se guardan en una cartera anónima, te cito aquí una de las más famosas y seguras del mundo: Trust Wallet,
¿Por qué una cartera Trust Wallet es anónima?
Cuando descargas en tu móvil Trust Wallet desde el Google Play Store o el Apple Store, la única forma de crear tu nueva cartera electrónica es a través de 12 palabras aleatorias posicionadas en un orden específico que no puedes cambiar.
Estás 12 palabras son "el propietario" de la cartera electrónica, por ello jamás puedes perderlas. Es muy aconsejable escribirlas en el mismo orden del 1 al 12 usando un bolígrafo sobre un papel, luego plastificar este papel con film de cocina y guardarlo en un lugar secreto donde nadie lo encuentre, excepto tú.
Estás 12 palabras te servirán también en caso de que pierdas tu móvil o elimines la cartera electrónica por error; gracias a ellas podrás restaurarla.
Claramente, si alguien encuentra tus 12 palabras podrá quedarse con tu cartera y con todo tu dinero, así que presta mucha atención y nunca reveles tus claves a nadie.
Una vez que tengas activada tu cartera Trust Wallet podrás comprar, vender y almacenar de forma anónima cualquier criptomoneda del mundo, variable o estable (Trust Wallet soporta todas las principales redes de la blockchain).
Si eres un principiante y no tienes conocimiento básicos de cómo empezar a invertir en tokens DeFi usando TrustWallet te sugiero buscar en google “Bitkoin” (como Bitcoin pero con K), es un token nuevo totalmente descentralizado que ha salido en preventa en estas últimas semanas; el equipo detrás del proyecto es anónimo y se hace llamar Zhao Nakamoto como lo fue Satoshi Nakamoto cuando creó Bitcoin en 2009.
Lo más original de Bitkoin, con solo 21 millones de tokens, es que reparte a sus poseedores un 5% de recompensas diarias en Bitcoin (BTC). Se prevé que su camino será tan exitoso como el de su predecesor.
Puedes participar en la preventa de Bitkoin desde solo 2,5 euros (10 Bitkoin) y gracias a los videos tutoriales que encuentras en su web oficial (www.Bitkoin.finance) podrás introducirte en el mundo de las finanzas descentralizadas de forma sencilla y segura, invirtiendo una cantidad de dinero equivalente a un buen chocolate con churros.
A través de la cartera Trust Wallet podrás conectar a 2 grandes Exchange Descentralizados llamados: PancakeSwap y Uniswap. Allí es donde podrás comprar y vender la mayoría de las criptomonedas existentes.
Ahora toca hablar de lo que más interesa al lector:
¿Cómo puedo usar mi dinero? o ¿Cómo puedo transferir dinero a mi cuenta corriente?
Una vez que hayas generando beneficios puedes hacer 2 cosas:
La primera es transferir tus beneficios (ejemplo, dólares USDT) a un Exchange centralizado (ejemplo, Binance o Coinbase) y de allí cambiarlos a euros para transferirlos a tu cuenta corriente en España, y finalmente declararlos a la Agencia Tributaria como ganancias patrimoniales pagando un impuesto que varía según la cantidad entre un 19% hasta un 26%.
La segunda opción, es no mover tus beneficios de la blockchain (DeFi), y acudir a empresas de la web3 que ofrecen tarjetas de débito para usarse en Europa.
Una de las empresa más famosa y reconocida es Monolith (DeFi debit card), su tarjeta de débito no tiene costes de abertura, tampoco coste anual, puede usarse solo en Europa, lo que cobran es un 1% para añadir tus criptomonedas a tu cartera electrónica en su web y después cobran un 1,75% de todas tus compras con un límite de 500 euros al día.
Diría, textualmente, que quien usa esta tarjeta de débito se transforma en invisible, imposible de rastrear y localizar. Un verdadero fantasma.
Así que, comprar, vender y almacenar tus criptomonedas en Trust Wallet es una opción para guardar tus tenencias "galácticas" de forma anónima.
Cuando sea tu decisión, puedes enviar tus criptomonedas a un Exchange centralizado y a partir de allí finalmente declararlas a la Agencia Tributaria.
De esta forma un patrimonio digital se mantiene anónimo, no existe identidad alguna, solo una cartera Trust Wallet con sus 12 palabras.
Este artículo es meramente informativo y el lector tiene la libertad y el derecho de poder profundizar sobre las finanzas descentralizadas tomando bajo su propia responsabilidad cualquier acción o decisión personal.
Nota: El autor de este artículo solo expresa sus conocimientos profesionales sobre las economías centralizadas y descentralizadas de forma armónica y didáctica, con el fin de poder proporcionar al lector una visión más amplia sobre sus obligaciones tributarias en el momento en el cual su patrimonio digital figure a su nombre.
#Bitcoin(BTC) #btc #HotTrends #money #taxes $BTC $ETH $BNB
Florida: The Leader in Cryptocurrency Tax Friendliness in the USA
Florida has emerged as the most tax-friendly state in the USA for cryptocurrencies. Thanks to the absence of state income tax and pro-cryptocurrency policies, Florida surpasses other states, including New York, which has one of the highest income tax rates at 10.9% and requires a BitLicense.
Florida Named "Best State" for Cryptocurrency Tax Purposes
According to a recent study by CoinLedger, Florida ranks as the most tax-friendly state for #cryptocurrencies in the United States, while New York is positioned at the opposite end of the spectrum.
Key Factors to Florida's Success
The study, published on January 22nd, revealed that Florida achieved this status through a combination of no state income tax and policies supportive of cryptocurrencies. These policies include a pilot program that allows businesses to pay state fees in cryptocurrencies.
How Other States Compare with Florida
Following Florida are Texas and Wyoming, which also have no state income tax and support crypto-friendly policies, including allowing banks to act as crypto custodians. Nevada and Arizona also rank high, with zero and low tax rates on cryptocurrencies, respectively.
The Importance of Understanding Local Tax Policies for Investors
David Kemmerer, CEO of CoinLedger, emphasizes the importance of being aware of local tax regulations for crypto investors, who could lose thousands of dollars due to different state tax rates.
California and Other States with Higher Tax Rates
California is the second-worst state for cryptocurrency tax purposes, followed by Hawaii, Massachusetts, and New Jersey, with high income tax rates. Hawaii also requires all exchanges in the state to obtain a special license.
Recent Changes in IRS Policy
The IRS (Internal Revenue Service) recently announced that it will temporarily postpone some of its cryptocurrency tax rules, including exempting businesses from reporting #crypto transactions over $10,000, until an updated framework is issued.
#taxes
Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“
Florida Named "Best State" for Cryptocurrency Tax Purposes
According to a recent study by CoinLedger, Florida ranks as the most tax-friendly state for #cryptocurrencies in the United States, while New York is positioned at the opposite end of the spectrum.
Key Factors to Florida's Success
The study, published on January 22nd, revealed that Florida achieved this status through a combination of no state income tax and policies supportive of cryptocurrencies. These policies include a pilot program that allows businesses to pay state fees in cryptocurrencies.
How Other States Compare with Florida
Following Florida are Texas and Wyoming, which also have no state income tax and support crypto-friendly policies, including allowing banks to act as crypto custodians. Nevada and Arizona also rank high, with zero and low tax rates on cryptocurrencies, respectively.
The Importance of Understanding Local Tax Policies for Investors
David Kemmerer, CEO of CoinLedger, emphasizes the importance of being aware of local tax regulations for crypto investors, who could lose thousands of dollars due to different state tax rates.
California and Other States with Higher Tax Rates
California is the second-worst state for cryptocurrency tax purposes, followed by Hawaii, Massachusetts, and New Jersey, with high income tax rates. Hawaii also requires all exchanges in the state to obtain a special license.
Recent Changes in IRS Policy
The IRS (Internal Revenue Service) recently announced that it will temporarily postpone some of its cryptocurrency tax rules, including exempting businesses from reporting #crypto transactions over $10,000, until an updated framework is issued.
#taxes
Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“
China Imposes 20% Tax on Overseas Investment Income of Ultra-Wealthy 😱
According to #Bloomberg , China has begun taxing overseas investment income of the country’s ultra-wealthy. Some wealthy individuals in major cities have been asked to self-assess or meet with tax authorities to evaluate potential taxes owed, including back #taxes from previous years. Mainland investors may be required to pay a 20% tax on investment income, and those with overdue payments may face penalties, though the final amounts can be negotiated.
The report also notes that China implemented the Common Reporting Standard (CRS) in 2018 to prevent tax evasion. Local regulators have emphasized that mainland residents must pay taxes on global income, including investment returns. Some of the targeted individuals have at least $10 million in #overseas assets, and others are those with publicly listed companies in Hong Kong and the United States.
If you enjoy my content, feel free to tip me ❤️
#Binance
#crypto2024
According to #Bloomberg , China has begun taxing overseas investment income of the country’s ultra-wealthy. Some wealthy individuals in major cities have been asked to self-assess or meet with tax authorities to evaluate potential taxes owed, including back #taxes from previous years. Mainland investors may be required to pay a 20% tax on investment income, and those with overdue payments may face penalties, though the final amounts can be negotiated.
The report also notes that China implemented the Common Reporting Standard (CRS) in 2018 to prevent tax evasion. Local regulators have emphasized that mainland residents must pay taxes on global income, including investment returns. Some of the targeted individuals have at least $10 million in #overseas assets, and others are those with publicly listed companies in Hong Kong and the United States.
If you enjoy my content, feel free to tip me ❤️
#Binance
#crypto2024
TAX IN BRAZIL
The Brazilian Federal Revenue has introduced new regulations for cryptocurrency asset declaration in the 2024 Income Tax, including the need to differentiate between 'altcoin' and 'stablecoin' and to report the custodian's CNPJ. Additional rules for assets held abroad were also specified, following the "Offshore Law." These new guidelines are effective from March 15, with the declaration period extending until May 31.
#write2earn #TrendingTopic #tax #taxes
The Brazilian Federal Revenue has introduced new regulations for cryptocurrency asset declaration in the 2024 Income Tax, including the need to differentiate between 'altcoin' and 'stablecoin' and to report the custodian's CNPJ. Additional rules for assets held abroad were also specified, following the "Offshore Law." These new guidelines are effective from March 15, with the declaration period extending until May 31.
#write2earn #TrendingTopic #tax #taxes
Is Thailand Becoming a Crypto Hub in Southeast Asia with Tax Breaks for Investment Tokens? 🥳
Forget crypto rollercoasters, #Thailand is offering tax breaks to make it a crypto paradise!
They're exempting #taxes on investment token profits for individuals (with a catch) and slashing taxes for companies issuing them.
This bold move aims to turn Thailand into Southeast Asia's #crypto hub, but can they overcome their rocky past with crypto taxes?
Buckle up for a story of tax U-turns, public outcry, and Thailand's ambitious crypto dreams.
#Binance
#crypto2024
Forget crypto rollercoasters, #Thailand is offering tax breaks to make it a crypto paradise!
They're exempting #taxes on investment token profits for individuals (with a catch) and slashing taxes for companies issuing them.
This bold move aims to turn Thailand into Southeast Asia's #crypto hub, but can they overcome their rocky past with crypto taxes?
Buckle up for a story of tax U-turns, public outcry, and Thailand's ambitious crypto dreams.
#Binance
#crypto2024
Crypto taxes in 2025 💸
The US Treasury will release a tax regime for cryptocurrencies in 2025.
Reporting won't be required for those earning less than $10k in staples and up to $600 in NFTs.
The thresholds so far are some not serious at all, but we all knew regulation would and will be tough
#UStreasury $BTC #US #CryptoNewss #taxes
The US Treasury will release a tax regime for cryptocurrencies in 2025.
Reporting won't be required for those earning less than $10k in staples and up to $600 in NFTs.
The thresholds so far are some not serious at all, but we all knew regulation would and will be tough
#UStreasury $BTC #US #CryptoNewss #taxes
#binance #wallet #taxes #ukrainecrypto
Все це добре, інноваційно, і дуже допоможе розвитку, головної мотивації людини: лінуванні, залишилось щоб сам заробляв і на фіатну карту переводив. Тобто щоб нічого не робити і за це гроші давали.
Але, навіщо накопичувати базу даних побажань користувачів ще й по крипті у їхніх гаманцях. Як відомо всілякі бази даних досить популярний "товар", букери з 1Win підтвердять це.
Щодо внутрішньої ситуації, у нас ще регульованого ринку немає але фіскалам вже пас пішов, хоча вони ще не відають з якого боку ворота. По фіату НБУ базу має, але ще не придумали як дієво і майже законно вилучати кошти з обігу людини, фізичної особи, не підприємця. Ну ось штучний колега, всім вище названим, може допоможе. Бо баранам треба допомога щодо синхронізації всіляких баз даних.
Загалом цікаво, почнемо з інтернет магазинів:) а потім вже порахуєм річні витрати кожному окремо без його відома:))
Все це добре, інноваційно, і дуже допоможе розвитку, головної мотивації людини: лінуванні, залишилось щоб сам заробляв і на фіатну карту переводив. Тобто щоб нічого не робити і за це гроші давали.
Але, навіщо накопичувати базу даних побажань користувачів ще й по крипті у їхніх гаманцях. Як відомо всілякі бази даних досить популярний "товар", букери з 1Win підтвердять це.
Щодо внутрішньої ситуації, у нас ще регульованого ринку немає але фіскалам вже пас пішов, хоча вони ще не відають з якого боку ворота. По фіату НБУ базу має, але ще не придумали як дієво і майже законно вилучати кошти з обігу людини, фізичної особи, не підприємця. Ну ось штучний колега, всім вище названим, може допоможе. Бо баранам треба допомога щодо синхронізації всіляких баз даних.
Загалом цікаво, почнемо з інтернет магазинів:) а потім вже порахуєм річні витрати кожному окремо без його відома:))
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Intermarché to Trial AI-Powered Shopping Carts for Enhanced Shopping Experience
Intermarché to Trial AI-Powered Shopping Carts for Enhanced Shopping Experience
By Dalvinder Kular
In a push towards innovative retail technology, Intermarché, a major French grocery retailer, is introducing AI-powered shopping carts in its Provins store. This trial, conducted in partnership with retail tech company Shopic and Capgemini, features carts equipped with advanced computer vision technology that can identify thousands of items without manual scanning. This ambitious move aims to enhance the shopping experience, speed up the checkout process, and provide a host of additional features to Intermarché’s customers.
The trial aligns with a broader trend in French retail as supermarkets experiment with AI-enabled shopping solutions. In August, Franprix, another French grocery chain, partnered with Cust2Mate to roll out similar technology in its Paris stores, highlighting a shift toward smart shopping solutions across the industry.
AI-Powered Shopping Carts: How They Work
The AI-powered shopping carts at Intermarché are equipped with a clip-on device powered by computer vision technology. This setup enables the cart to automatically recognize items added by the customer without the need for individual scanning. Unlike traditional shopping experiences, where each item needs to be manually scanned at checkout, these smart carts aim to streamline the entire process by making it as seamless and efficient as possible.
Key Features of Intermarché’s Smart Carts
Automatic Item Recognition: The AI-driven computer vision software can recognize thousands of items without manual scanning, offering a hands-free shopping experience.
Real-Time Budget Tracking: Shoppers can view their running total in real-time, making it easier to manage their spending within budget.
Loyalty Integration: The carts allow customers to check loyalty points, promotions, and other special offers as they shop.
Potential for Personalized Retail Media: In the future, Intermarché plans to display personalized ads and supplier promotions directly on the cart interface, tailoring the shopping experience to each customer’s preferences.
These features not only enhance convenience but also improve the accuracy of the checkout process. By eliminating the need for manual barcode scanning, the AI-powered system reduces errors and cuts down the time customers spend in line.
A Collaboration for Innovation: Intermarché, Shopic, and Capgemini
Intermarché’s trial of AI-powered carts is part of a collaborative effort involving Shopic, a retail technology firm, and Capgemini, a global consulting company specializing in technology. Shopic’s computer vision technology is integral to the project, providing the AI software that powers the cart’s item recognition and personalization capabilities.
According to Perrine Vignon, owner of the Intermarché store in Provins, the trial marks a significant step forward for AI in retail. “We are delighted with our collaboration with Shopic for this pilot project, which is an excellent opportunity to concretely test the benefits of AI, using computer vision, for retail,” Vignon commented. “Customers of the Provins supermarket will benefit from a simplified, fast, and efficient shopping journey thanks to the smart carts.”
Why Computer Vision Matters in Retail
Computer vision technology is rapidly becoming a transformative force in the retail industry. By using advanced image recognition algorithms, it can accurately identify items based on appearance rather than barcodes. This has several benefits for grocery stores:
Enhanced Shopping Speed: Customers can add items to their cart without stopping to scan each item individually.
Reduction in Errors: The technology minimizes the risk of incorrect charges due to human error, making it easier to manage inventories.
Customer Insights: Computer vision data can provide retailers with insights into shopping patterns, helping them optimize store layouts and promotions.
Improving Customer Experience with AI-Enabled Shopping Carts
Intermarché’s AI-powered carts are designed to simplify the shopping experience and make it more interactive. The carts’ real-time tracking feature lets customers view their total spend, check loyalty points, and see relevant promotions applied to their cart. Additionally, future plans for integrating personalized retail media mean that customers could eventually receive customized offers and content based on their shopping habits.
These advancements aim to make shopping easier and more transparent, empowering customers to make informed choices. Real-time budget tracking can help customers stick to their budget, and personalized content adds a unique value layer by tailoring promotions to individual preferences.
The Future of Personalized Retail Media
Personalized retail media within shopping carts could represent a new era in targeted advertising. By analyzing customers’ purchasing behaviors and preferences, Intermarché plans to introduce relevant ads and supplier offers throughout the shopping journey. This approach could turn the shopping cart into a platform for advertisers while enhancing the customer experience with customized deals.
France’s Move Toward Smart Retail Solutions: Franprix’s AI-Powered Shopping Carts
Intermarché’s trial follows a similar initiative by Franprix, another French supermarket chain that recently launched AI-powered shopping carts in partnership with Cust2Mate. Franprix’s smart carts feature a clip-on panel that provides an all-in-one service, allowing customers to self-scan items and complete payments directly on the cart.
These smart shopping solutions reflect a growing trend among French retailers to incorporate technology for an enhanced customer experience. By making the shopping journey faster, easier, and more interactive, AI-powered carts are setting a new standard in the grocery shopping experience.
Challenges and Opportunities in AI-Powered Retail Technology
While AI-powered shopping carts hold immense promise, they also present unique challenges for retailers. Implementing these systems requires significant investment, both in terms of technology and training. Additionally, there are considerations around data privacy and security, as customer behavior data and purchasing history are collected and analyzed.
Key Challenges
Cost of Implementation: Developing and deploying AI-powered shopping carts involves considerable upfront costs, which may be a barrier for smaller retailers.
Data Privacy Concerns: With personalized media and behavior tracking, maintaining data privacy is crucial to gaining and retaining customer trust.
Adoption and Usability: Customers may need time to adjust to new technologies, especially older customers who may not be as familiar with digital interfaces.
Potential Benefits
Enhanced Customer Experience: Smart carts simplify shopping, reduce wait times, and make the checkout process seamless.
Increased Revenue through Targeted Ads: Personalized offers and advertising within the shopping cart can generate additional revenue streams for retailers.
Valuable Consumer Insights: AI-enabled carts provide retailers with real-time data on shopping patterns and product preferences, aiding in inventory management and marketing efforts.
Conclusion: The Future of AI in Retail
Intermarché’s trial of AI-powered shopping carts at its Provins location represents a significant milestone for the retail industry in France. With technology that can recognize items automatically, display real-time prices, and apply promotions seamlessly, these carts are designed to make the shopping experience more efficient and enjoyable. By partnering with Shopic and Capgemini, Intermarché is bringing innovative solutions to its customers while also exploring the potential for personalized retail media.
As AI-powered solutions like these continue to evolve, they promise to reshape the shopping journey, making it faster, more personalized, and more connected. France’s retailers, including Franprix and Intermarché, are leading the way in adopting smart retail technologies, positioning themselves at the forefront of a transformative trend.
To learn more about the innovative startups shaping the future of the retail industry, explore our article on latest news, where we delve into the most promising ventures and their potential to disrupt traditional industries.
By Dalvinder Kular
In a push towards innovative retail technology, Intermarché, a major French grocery retailer, is introducing AI-powered shopping carts in its Provins store. This trial, conducted in partnership with retail tech company Shopic and Capgemini, features carts equipped with advanced computer vision technology that can identify thousands of items without manual scanning. This ambitious move aims to enhance the shopping experience, speed up the checkout process, and provide a host of additional features to Intermarché’s customers.
The trial aligns with a broader trend in French retail as supermarkets experiment with AI-enabled shopping solutions. In August, Franprix, another French grocery chain, partnered with Cust2Mate to roll out similar technology in its Paris stores, highlighting a shift toward smart shopping solutions across the industry.
AI-Powered Shopping Carts: How They Work
The AI-powered shopping carts at Intermarché are equipped with a clip-on device powered by computer vision technology. This setup enables the cart to automatically recognize items added by the customer without the need for individual scanning. Unlike traditional shopping experiences, where each item needs to be manually scanned at checkout, these smart carts aim to streamline the entire process by making it as seamless and efficient as possible.
Key Features of Intermarché’s Smart Carts
Automatic Item Recognition: The AI-driven computer vision software can recognize thousands of items without manual scanning, offering a hands-free shopping experience.
Real-Time Budget Tracking: Shoppers can view their running total in real-time, making it easier to manage their spending within budget.
Loyalty Integration: The carts allow customers to check loyalty points, promotions, and other special offers as they shop.
Potential for Personalized Retail Media: In the future, Intermarché plans to display personalized ads and supplier promotions directly on the cart interface, tailoring the shopping experience to each customer’s preferences.
These features not only enhance convenience but also improve the accuracy of the checkout process. By eliminating the need for manual barcode scanning, the AI-powered system reduces errors and cuts down the time customers spend in line.
A Collaboration for Innovation: Intermarché, Shopic, and Capgemini
Intermarché’s trial of AI-powered carts is part of a collaborative effort involving Shopic, a retail technology firm, and Capgemini, a global consulting company specializing in technology. Shopic’s computer vision technology is integral to the project, providing the AI software that powers the cart’s item recognition and personalization capabilities.
According to Perrine Vignon, owner of the Intermarché store in Provins, the trial marks a significant step forward for AI in retail. “We are delighted with our collaboration with Shopic for this pilot project, which is an excellent opportunity to concretely test the benefits of AI, using computer vision, for retail,” Vignon commented. “Customers of the Provins supermarket will benefit from a simplified, fast, and efficient shopping journey thanks to the smart carts.”
Why Computer Vision Matters in Retail
Computer vision technology is rapidly becoming a transformative force in the retail industry. By using advanced image recognition algorithms, it can accurately identify items based on appearance rather than barcodes. This has several benefits for grocery stores:
Enhanced Shopping Speed: Customers can add items to their cart without stopping to scan each item individually.
Reduction in Errors: The technology minimizes the risk of incorrect charges due to human error, making it easier to manage inventories.
Customer Insights: Computer vision data can provide retailers with insights into shopping patterns, helping them optimize store layouts and promotions.
Improving Customer Experience with AI-Enabled Shopping Carts
Intermarché’s AI-powered carts are designed to simplify the shopping experience and make it more interactive. The carts’ real-time tracking feature lets customers view their total spend, check loyalty points, and see relevant promotions applied to their cart. Additionally, future plans for integrating personalized retail media mean that customers could eventually receive customized offers and content based on their shopping habits.
These advancements aim to make shopping easier and more transparent, empowering customers to make informed choices. Real-time budget tracking can help customers stick to their budget, and personalized content adds a unique value layer by tailoring promotions to individual preferences.
The Future of Personalized Retail Media
Personalized retail media within shopping carts could represent a new era in targeted advertising. By analyzing customers’ purchasing behaviors and preferences, Intermarché plans to introduce relevant ads and supplier offers throughout the shopping journey. This approach could turn the shopping cart into a platform for advertisers while enhancing the customer experience with customized deals.
France’s Move Toward Smart Retail Solutions: Franprix’s AI-Powered Shopping Carts
Intermarché’s trial follows a similar initiative by Franprix, another French supermarket chain that recently launched AI-powered shopping carts in partnership with Cust2Mate. Franprix’s smart carts feature a clip-on panel that provides an all-in-one service, allowing customers to self-scan items and complete payments directly on the cart.
These smart shopping solutions reflect a growing trend among French retailers to incorporate technology for an enhanced customer experience. By making the shopping journey faster, easier, and more interactive, AI-powered carts are setting a new standard in the grocery shopping experience.
Challenges and Opportunities in AI-Powered Retail Technology
While AI-powered shopping carts hold immense promise, they also present unique challenges for retailers. Implementing these systems requires significant investment, both in terms of technology and training. Additionally, there are considerations around data privacy and security, as customer behavior data and purchasing history are collected and analyzed.
Key Challenges
Cost of Implementation: Developing and deploying AI-powered shopping carts involves considerable upfront costs, which may be a barrier for smaller retailers.
Data Privacy Concerns: With personalized media and behavior tracking, maintaining data privacy is crucial to gaining and retaining customer trust.
Adoption and Usability: Customers may need time to adjust to new technologies, especially older customers who may not be as familiar with digital interfaces.
Potential Benefits
Enhanced Customer Experience: Smart carts simplify shopping, reduce wait times, and make the checkout process seamless.
Increased Revenue through Targeted Ads: Personalized offers and advertising within the shopping cart can generate additional revenue streams for retailers.
Valuable Consumer Insights: AI-enabled carts provide retailers with real-time data on shopping patterns and product preferences, aiding in inventory management and marketing efforts.
Conclusion: The Future of AI in Retail
Intermarché’s trial of AI-powered shopping carts at its Provins location represents a significant milestone for the retail industry in France. With technology that can recognize items automatically, display real-time prices, and apply promotions seamlessly, these carts are designed to make the shopping experience more efficient and enjoyable. By partnering with Shopic and Capgemini, Intermarché is bringing innovative solutions to its customers while also exploring the potential for personalized retail media.
As AI-powered solutions like these continue to evolve, they promise to reshape the shopping journey, making it faster, more personalized, and more connected. France’s retailers, including Franprix and Intermarché, are leading the way in adopting smart retail technologies, positioning themselves at the forefront of a transformative trend.
To learn more about the innovative startups shaping the future of the retail industry, explore our article on latest news, where we delve into the most promising ventures and their potential to disrupt traditional industries.
Types Of Taxes On Crypto
Types of Taxes on CryptoCapital Gains Tax: This is the most common form of taxation and applies when you sell your crypto for more than you paid.Income Tax: If you earn cryptocurrency through mining, staking, or as payment for services, it's considered income.Transaction Tax: Some jurisdictions even tax individual crypto transactions.Legal Frameworks You Should Know AboutRegulatory Compliance: Always make sure to use platforms and services that adhere to the financial regulations of your jurisdiction.Security Laws: Certain tokens may be considered securities under the law, requiring special compliance measures.International Laws: Trading with entities in other countries can expose you to foreign regulations.#danos #taxes #crypto
#Indonesia 's crypto exchanges faced a 60% decline in trading volumes in 2023, largely attributing the drop to high income and VAT #taxes on crypto transactions, as #Cryptocurrencies are treated as commodities. The industry hopes for a change in classification to securities, which might reduce tax burdens and boost trading activity.