The technological advance has given greater growth towards the new digital platforms that facilitate or allow accessibility to assets. The following research work aims to analyze the scope of the regulation of the virtual asset market in Mexico. The methodology used for this research was the qualitative, which consists of reviewing international and national sources of studies in this area and analyzing the scope of the Fintech Law on the regulation of said assets. The investment in cryptocurrencies and their operation are very important for people, but they have their negative side for the global economy and can affect financial systems due to the inherent risks of the market. Once analyzed from different perspectives, it´s concluded that Mexico is a reference in Latin America in the regulation of said market, however, the Bank of Mexico does not recognize this type of assets as legal tender and that they lack the characteristics of value deposit, medium of exchange and unit of account. In addition, the law only regulates the internal operations of financial technology companies and does not support the operations carried out by the general public.

MSMEs are of vital importance in the economic and social development of the nations of Latin America, comprise 99% of the formal Latin American companies, are the main generators of employment with 61% and contribute with 25% of the GDP of that region. Unfortunately, the average life expectancy is less than 10 years because these businesses face various problems, highlighting access to financing. The objective of this research is to determine the impact of financial inclusion on the life expectancy of MSMEs in Mexico, Colombia and Chile. An exhaustive analysis of both variables is carried out with data from reports, surveys and specialized studies. Some results indicate that the main source of financing for these companies is not the financial institutions, on the contrary, they are the resources that their owners invest and the main obstacle to not accessing external financing is the high interest rates. This research contributes to show the current conditions of MSMEs in order to design public policies that strengthen financial inclusion to improve their permanence and competitiveness in the market.

MSMEs are a key component for the economic and social development of countries, in Mexico they generate approximately 70% of jobs and contribute around 35% of GDP. There is great empirical evidence that shows that the lack of financing affects the economic growth of companies. Microenterprises are those that face the most external financing restrictions and indicate that high interest rates are their main limitation for not accessing external financing, therefore, they are the most affected in their economic growth. The objective of this research is to carry out a systemic review of the context of external financing of MSMEs in Mexico. The results infer that it is urgent to implement adequate public policies to strengthen the financial system and facilitate access to external financing under the best conditions for MSMEs to improve their competitiveness and economic growth.