{"id":8000,"date":"2026-01-09T10:11:36","date_gmt":"2026-01-09T10:11:36","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&p=8000"},"modified":"2026-01-12T10:00:47","modified_gmt":"2026-01-12T10:00:47","slug":"efectos-de-las-criptomonedas-en-los-testamentos-la-planificacion-patrimonial-y-el-impuesto-de-sucesiones","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/es\/perspectivas\/the-effects-of-cryptocurrency-on-wills-estate-planning-and-inheritance-tax\/","title":{"rendered":"Efectos de las criptomonedas en los testamentos, la planificaci\u00f3n patrimonial y el impuesto de sucesiones\u00a0"},"content":{"rendered":"

Hemos recorrido un largo camino desde el siglo VII, cuando se utilizaron los primeros billetes en China. Hoy en d\u00eda, los activos digitales, como las criptomonedas, desempe\u00f1an un papel cada vez m\u00e1s importante en las finanzas modernas y en la planificaci\u00f3n del patrimonio. Las criptomonedas no s\u00f3lo se utilizan con fines de inversi\u00f3n, sino tambi\u00e9n para realizar pagos. Actualmente existen m\u00e1s de dos mil criptomonedas diferentes en todo el mundo, siendo algunas de las m\u00e1s conocidas Bitcoin, Ethereum, Dogecoin y Solana. <\/p>\n\n\n\n

Ya es posible adquirir bienes y servicios con criptomoneda. Los m\u00e9todos de pago incluyen pagos directos a comerciantes a trav\u00e9s de un monedero digital, tarjetas de d\u00e9bito\/cr\u00e9dito en criptomoneda y tarjetas regalo. Su popularidad sigue aumentando a medida que se generaliza su aceptaci\u00f3n. <\/p>\n\n\n\n

Como <\/strong>En consecuencia, las criptomonedas y otros criptoactivos forman parte cada vez m\u00e1s del patrimonio de muchas personas f\u00edsicas y, por tanto, estar\u00e1n sujetos al impuesto de sucesiones. Es posible que deba determinarse la ubicaci\u00f3n (tambi\u00e9n denominada situs) de los activos para establecer si el impuesto de sucesiones del Reino Unido se aplicar\u00e1 a las criptomonedas propiedad de personas f\u00edsicas que no son residentes a largo plazo en el Reino Unido y a los fideicomisos no residentes.  <\/p>\n\n\n\n

Se hab\u00eda planteado la cuesti\u00f3n de si los activos digitales, como las criptomonedas, pod\u00edan considerarse bienes, ya que no encajan perfectamente en las categor\u00edas existentes de bienes muebles o derechos reales. Esto se ha resuelto con la promulgaci\u00f3n de la Ley de propiedad (activos digitales, etc.) de 2025<\/a> de 2 de diciembre de 2025, que prev\u00e9 que los derechos de propiedad personal se apliquen a esta tercera categor\u00eda de bienes. Por lo tanto, est\u00e1 claro que pueden distribuirse en virtud de un testamento y ser utilizados por los abogados. <\/p>\n\n\n\n

Durante la planificaci\u00f3n de la sucesi\u00f3n, la redacci\u00f3n del testamento y la preparaci\u00f3n de los poderes notariales duraderos, debe prestarse la debida atenci\u00f3n para garantizar que los criptoactivos se traten adecuadamente. Puede haber instrucciones espec\u00edficas para tratar los criptoactivos en un poder notarial permanente. <\/p>\n\n\n\n

A diferencia de los billetes u otros objetos de valor como el oro o la plata, las criptomonedas se almacenan en un monedero virtual, que s\u00f3lo contiene las claves digitales, como una contrase\u00f1a y una frase de recuperaci\u00f3n para un acceso seguro, mientras que la moneda permanece en un libro de contabilidad en la cadena de bloques, una base de datos digital descentralizada. Debe guardar los datos de su monedero de criptodivisas en un lugar seguro y comunicar a sus albaceas y abogados d\u00f3nde encontrar la informaci\u00f3n para que puedan acceder a ellos.  <\/p>\n\n\n\n

En ausencia de una buena planificaci\u00f3n y organizaci\u00f3n, las criptomonedas podr\u00edan perderse o resultar inaccesibles tras el fallecimiento. Si una persona fallece o pierde su capacidad y se pierden las claves privadas de un monedero de criptomoneda, la criptomoneda se pierde para siempre, ya que las cadenas de bloques descentralizadas son muy seguras y no es posible recuperar una clave privada.  <\/p>\n\n\n\n

Mantener una lista de inventario de sus activos digitales, junto con la informaci\u00f3n importante, como el tipo de activo digital, la cantidad pose\u00edda, el tipo de cartera y la ubicaci\u00f3n de almacenamiento, ser\u00eda una herramienta muy \u00fatil para la correcta administraci\u00f3n de su patrimonio, as\u00ed como todos los nombres de usuario de las cuentas en l\u00ednea e instrucciones espec\u00edficas sobre c\u00f3mo acceder a la clave privada de la cartera. <\/p>\n\n\n\n

La informaci\u00f3n clave relativa a sus activos digitales no debe incluirse en testamentos o codicilos, ya que con el tiempo se convertir\u00edan en documentos p\u00fablicos. Una carta de deseos sellada o una carta confidencial dirigida a sus albaceas puede guardarse junto con su testamento para que sepa que podr\u00e1n acceder a los activos digitales y gestionarlos. En el poder notarial para asuntos patrimoniales y financieros se puede autorizar espec\u00edficamente que dichas cartas se muestren a los apoderados. <\/p>\n\n\n\n

Si necesita ayuda para garantizar que sus activos digitales se conserven, puedan utilizarse en su beneficio en caso de que pierda la capacidad y puedan distribuirse a sus beneficiarios elegidos tras su fallecimiento, no dude en ponerse en contacto con nuestro departamento de clientes privados: privateclient@rfblegal.co.uk<\/a>.<\/p>","protected":false},"author":12,"featured_media":8001,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[22],"tags":[],"class_list":["post-8000","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-wills-probate"],"acf":[],"aioseo_notices":[],"yoast_head":"\nThe\u00a0Effects\u00a0of\u00a0Cryptocurrency\u00a0on\u00a0Wills, Estate\u00a0Planning\u00a0and Inheritance Tax\u00a0 - RFB Legal<\/title>\n<meta name=\"description\" content=\"Digital assets like cryptocurrency now form part of many estates. 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