Latam is quickly leaning towards tech-based and digital settlement platforms, including fiat and crypto services. Kushki, an Ecuador-based but Latam-focused payment company, has revealed that almost 60% of all the centennials in Chile use digital payments and are aware of crypto assets.

In its “Payments in Latin America in 2025: From Inclusion to Sophistication, the Evolving Payments Ecosystem” report, the payment provider found that Chile’s Gen Z has been deeply penetrated by digital and crypto settlements, with nearly 30% using digital money exclusively.

This phenomenon persists despite Chile not having established a cryptocurrency regulatory framework, unlike some neighboring countries such as El Salvador and Brazil.

Kushli stated:

In Chile, the real-time payment system program has been in place since 2008, but debit, credit, and prepaid cards continue to dominate the market, accounting for nearly 66% of household spending. As RTPs expand throughout Latin America, we are seeing a steady decline in cash use and a shift toward more digital and immediate transactions.

Chile has demonstrated a strong appetite for cryptocurrency, with reports indicating that by 2024, over $105 billion had been traded by Chilean users. This figure surpasses the trading volumes of Colombian and Argentine traders. On average, Chilean traders invested more than 50% of their monthly income in crypto.

Kushki assessed that real-time payment systems based on fiat are not the final form of the region’s economic settlement system, but the base for a more open, competitive, and dynamic financial ecosystem.

In January, a group of Chilean lawmakers convened to create the first bitcoin bench in Congress and planned the establishment of a national bitcoin reserve. Nonetheless, the central bank of Chile has rejected this idea, refusing to include BTC as a reserve asset due to its high volatility.

Read more: Chile Quiere Bitcoin: Legislators Rally Around Strategic Bitcoin Reserve Proposal

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