The approval of RD 322/2008 on the Legal Regime of Electronic Money Institutions (EDE) opens a new

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The approval of RD 322/2008 on the Legal Regime of Electronic Money Institutions (EDE) opens a new niche in the financial business ingbank that initially were vetted to small and medium investors and entrepreneurs. With this decree the establishment of credit institutions ingbank regulated to operate through the issuance of electronic money. This decree is not new as these entities ingbank were defined in Article 21 of Law 44/2002 on Measures to Reform the Financial System, and comes from the adaptation of European directives appropriate.
Broadly speaking, any group of entrepreneurs can start their own bank and operate the necessary authorizations from the Bank of Spain, with greater flexibility than the rules established for credit institutions themselves. Before the publication of this decree to set up a bank, the minimum capital had to be 18 million or more. If we put a electronic money institution, ingbank our capital has to be one million euros. However, the figure ingbank of one million euros comes great in the vast majority, but .... What if we have 70,000? For we can also be bankers.
Where is the catch? Suppose I have a virtual store that moves a paste by internet, or have a service delivery platform, such as a virtual consultancy, a travel agency ... I can create my own bank associated with my online store, with the establishment of an investee. By forming coparticipadas corporate structures, we can make available to our corporate group, a platform for self and internal payments perfectly safe, supervised by the Bank of Spain and with capital of 60,000. Input manage payment systems, and saved commissions to intermediaries who are a drain.
Will this format is not like the "eBay-PayPal marriage"? Those who are users of Paypal you will remember that last year became a bank in Luxembourg. This decree continues to shape the institutions of the PayPal network type, going a step further. The society established without exemptions, can raise funds and grant loans, being a pure internet bank.
Today, in the register of companies of the Bank of Spain, appears not registered any entity of its kind. Secondly, another thing that strikes a mile is the permissibility of this decree to leave the door open financial markets to anyone with so little capital, and thirdly, do not quite understand how it opens the door of the financial services to anyone, given the degree of control quue presented by large organizations in our country. Does anyone dares to be "Spanish Booty network"?
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