The Banking Association of Venezuela launched this October the second edition of its Month of Financial Education, and this time the effort doesn’t stay in the conference hall. The program goes into high school classrooms and rises to university auditoriums with an underlying idea: that Venezuelans learn to manage their money before their money manages them. At PitbullChain, we celebrate the move, but we can’t ignore the elephant in the room: the P2P market and USDT, which move the real economy of millions of Venezuelans every day, don’t show up anywhere on the agenda.
📊 From Fe y Alegría to UCV: this month’s map
The school arm of the program, branded "Asobanca en la Escuela," is aimed at young people between 13 and 17 years old and will be delivered in partnership with the Fe y Alegría Foundation. The main event takes place at the Fe y Alegría La Rinconada Educational Unit, where the workshop centers on family financial planning. The route also includes the María Inmaculada high school in Petare and the Rosalba Margarita Romero High School in Baruta. The logic is simple and sound: if a teenager understands how their household budget is organized, they reach adulthood with an advantage that nobody gave them.
At the campus, the program unfolds at the Central University of Venezuela, the Universidad Santa María, Monteávila, UCAB, and the National University of the Sciences Dr. Humberto Fernández-Morán. Three keynote talks carry the academic weight: that of engineer David Murati on neuroeconomics and artificial intelligence applied to personal finances; that of economist Juan Salas on the evolution of payment methods; and that of lawyer Lia Glaentzlin on protection and control in financial platforms, with a ten-question set of key questions to know whether an app is trustworthy.
📈 Mobile Payment, QR, and tokenization: banking is doing well, but it’s moving too slowly
Salas’s talk is the one that should interest most those who follow the Venezuelan foreign exchange market. It covers NFC, unified QR codes, card tokenization, and artificial intelligence as an anti-fraud shield. All of that is exactly the right direction. The problem is speed: while traditional banking debates standards, the user has already solved their financial life with a crypto wallet on their phone and a Telegram group.
Mobile Payment has become the country’s default transaction rail, that’s true. But a large part of those bolívares that move through Mobile Payment come from a P2P operation: someone sold USDT, received bolívares, and now has to move them. That entire chain—crypto, exchange, bank—is something Venezuelan financial education still doesn’t explain.
🔎 The Venezuelan user is already multi-activity, even if the curriculum ignores it
Let’s be clear: the average Venezuelan who uses USDT is not an leveraged trading speculator. They’re a worker who gets paid via Binance Pay, a family member who receives remittances in stablecoins, a merchant who prices in dollars and settles in bolívares, or a professional who protects their salary from devaluation by storing value in a currency that isn’t printed in Caracas.
This user needs to know three things that are nowhere to be found in any Asobanca workshop: how to choose a trustworthy counterparty in P2P, how to spot a triangulation scam, and why the custody of your keys matters more than any day’s rate. That is, quite literally, survival financial education.
💰 Five things we would ask of the banking sector
It’s not about banks promoting cryptocurrencies, but about them stopping education in a world that no longer exists:
1. Explain the implied P2P exchange rate and why it differs from the BCV, without treating it as a taboo.
2. Teach self-custody: what a seed phrase is and why nobody, ever, should ask you for it.
3. Include stablecoins in the savings chapter, not just in the risk one.
4. Train fraud prevention with fake QR codes and WhatsApp phishing—the real scam vector today.
5. Open their talks to the fintech ecosystem, not only to affiliates.
📖 Read the full article: https://pitbullchain.com/noticias/asobanca-lleva-la-educacion-financiera-al-aula-la-pieza-cripto-que-falta-824271
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