{"id":5347,"date":"2026-11-04T09:23:34","date_gmt":"2026-11-04T15:23:34","guid":{"rendered":"https:\/\/blog.nu.com\/sin-categoria\/earn-send-diversify-spend-a-tour-of-what-nu-global-does\/"},"modified":"2026-11-04T09:30:12","modified_gmt":"2026-11-04T15:30:12","slug":"earn-send-diversify-spend-a-tour-of-what-nu-global-does","status":"publish","type":"post","link":"https:\/\/blog.nu.com\/es\/para-ti\/earn-send-diversify-spend-a-tour-of-what-nu-global-does\/","title":{"rendered":"Ganar, Enviar, Diversificar, Pagar: un recorrido por Nu Global"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Introducci\u00f3n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vivir entre pa\u00edses suele significar dinero repartido entre apps, <a href=\"https:\/\/remittanceprices.worldbank.org\/\">tipos de cambio y comisiones<\/a>. Nu Global re\u00fane cuatro funciones en una cuenta multimoneda: Ganar, Enviar, Diversificar, Pagar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cada cap\u00edtulo sigue una situaci\u00f3n real y enlaza a una gu\u00eda. Nu Global es de Nu, parte de Nu Holdings (NYSE: NU), con <a href=\"https:\/\/nu.com\/en\/newsroom\/company\/nu-united-states-nu-global\">m\u00e1s de 140 millones de clientes<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Detalles clave<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Ganar (rendimientos): tu saldo trabaja mientras espera<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Supongamos que eres freelancer en Latinoam\u00e9rica y tus clientes te pagan desde el exterior. Entre facturas, parte de tus ingresos queda en d\u00f3lares digitales (USDC). Ese saldo <a href=\"https:\/\/nu.com\/global\/en\/for-you\/earn\">genera hasta 3.5%, y los euros digitales (EURC), 2.2%, con rendimientos acreditados a diario, sin bloqueos<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">USDC y EURC son <a href=\"https:\/\/www.circle.com\/usdc\">stablecoins<\/a>, dise\u00f1adas para mantener un valor estable frente al d\u00f3lar estadounidense y el euro.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Enviar y Eecibir: transferencias justas entre Latinoam\u00e9rica y Europa<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imagina que vives en Europa y apoyas a tu familia en Latinoam\u00e9rica. Nu Global env\u00eda a <a href=\"https:\/\/nu.com\/global\/en\">m\u00e1s de 35 pa\u00edses<\/a> de ambas regiones, al tipo de cambio medio real del mercado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/nu.com\/global\/en\/for-you\/send-and-receive\">Nu no cobra comisi\u00f3n, aunque el banco receptor o la red local pueden cobrar la suya<\/a>. Ves el monto exacto que recibe tu familia antes de confirmar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu familia no necesita cuenta Nu. Si la tiene, env\u00eda con su <a href=\"https:\/\/nu.com\/global\/en\/frequently-asked-questions\/international-transfers\">Nu ID<\/a>, un @usuario corto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Diversificar: activos digitales dentro de la cuenta que ya usas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tal vez te da curiosidad Bitcoin, pero nunca abrir\u00edas otra plataforma. Con Diversify puedes comprar y vender una selecci\u00f3n revisada de activos digitales, como Bitcoin y Ethereum, desde el mismo saldo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/nu.com\/global\/en\/for-you\/diversify\">Cada transacci\u00f3n cuesta 0.8%<\/a>. Ves el precio y el monto final antes de confirmar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">USDC y <a href=\"https:\/\/www.circle.com\/eurc\">EURC<\/a> son la parte estable. Los activos digitales tienen precios de mercado, as\u00ed que <a href=\"https:\/\/www.esma.europa.eu\/sites\/default\/files\/2025-10\/Joint_ESAs_revised_warning_on_crypto-assets.pdf\">sus precios pueden subir o bajar<\/a>. Esto no es una recomendaci\u00f3n de compra o venta.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pagar: una tarjeta virtual para vivir en varias monedas<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00bfViajas o compras en el exterior? La Mastercard virtual paga con tu saldo en d\u00f3lares digitales (USDC).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/nu.com\/global\/en\/for-you\/spend\">Nu no agrega comisiones por compras en el extranjero, por conversi\u00f3n ni recargos internacionales<\/a>. Mastercard hace la conversi\u00f3n con su propio tipo de cambio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para un sitio desconocido, crea una tarjeta temporal que vence a las 24 horas. Congela o elimina cualquier tarjeta en la app. Tambi\u00e9n funciona con Google Pay y Samsung Pay.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusi\u00f3n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Una cuenta, cuatro funciones, un saldo y seguridad en cada cap\u00edtulo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/nu.com\/global\/en\/why-nu\">Los saldos est\u00e1n respaldados por una garant\u00eda de incumplimiento de un banco suizo, en la medida exigida por la ley<\/a>. Nu Global AG es <a href=\"https:\/\/www.vqf.ch\/en\/\">miembro de VQF<\/a>, una organizaci\u00f3n de autorregulaci\u00f3n <a href=\"https:\/\/www.finma.ch\/en\/authorisation\/self-regulatory-organisations-sros\">reconocida por FINMA<\/a>. Personas reales responden en la app, <a href=\"https:\/\/nu.com\/global\/en\/safety\">24\/7<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La disponibilidad var\u00eda seg\u00fan la regi\u00f3n. Elige la funci\u00f3n que m\u00e1s necesitas. <a href=\"https:\/\/nu.com\/global\/en\/frequently-asked-questions\">Conoce m\u00e1s<\/a> sobre la protecci\u00f3n integrada en cada paso.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nu Global es una cuenta multimoneda en d\u00f3lares digitales (USDC) y euros digitales (EURC), con cuatro funciones. As\u00ed se complementan.<\/p>\n","protected":false},"author":16,"featured_media":5271,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"featured_image_mobile":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[126,127,125,128,124],"tags":[],"class_list":["post-5347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diversificar-es","category-enviar-y-recibir","category-ganar","category-pagar-es","category-para-ti"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cuenta multimoneda Nu Global: Ganar, Enviar, Diversificar, Pagar en una app<\/title>\n<meta name=\"description\" content=\"Recorre la cuenta multimoneda Nu Global: genera hasta 3.5% en d\u00f3lares digitales (USDC), env\u00eda dinero al exterior, diversifica y gasta. 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