19 apr 2025

5513 Interesting News

Pubblicato da AlùKWebMaster alle 09:02 0 commenti

16 apr 2025

Glimmer Finance — The First Real-World Asset Marketplace on Solana

🏢 Glimmer Finance — The First Real-World Asset Marketplace on Solana

Imagine owning a piece of a Manhattan penthouse, a gold bar, or a vintage Ferrari — all for the price of a coffee. Sounds like a dream, right? Welcome to Glimmer Finance, a decentralized marketplace on the Solana blockchain that's turning this dream into reality by tokenizing real-world assets (RWAs). Whether you're a crypto newbie or a seasoned investor, Glimmer Finance offers a transparent, accessible, and innovative way to invest in assets once reserved for the ultra-wealthy. And with its ongoing $GLIMM token presale — where prices rise as time progresses — now's the perfect moment to dive in.

In this article, we'll explore how Glimmer Finance is revolutionizing asset trading, why Solana is the ideal blockchain for this mission, and how you can join the presale to be part of this groundbreaking ecosystem. Let's break it down.

Why Glimmer Finance Matters

The world of finance is changing. Traditional investments like real estate or commodities often come with high barriers — think million-dollar price tags or complex legal processes. Glimmer Finance tears down these walls by tokenizing RWAs, allowing anyone to own a fraction of high-value assets. Built on Solana, known for its lightning-fast transactions and low fees, Glimmer ensures a seamless experience that's both secure and cost-effective.

What sets Glimmer apart? It's not just about trading tokens; it's about democratizing wealth. By leveraging Solana's scalability and AI-driven tools, Glimmer makes investing inclusive, transparent, and smart. As reported by CryptoPotato, Glimmer Finance is the world's first RWA presale on Solana, marking a pivotal moment in bridging traditional finance with Web3.

How Glimmer Finance Works

Glimmer Finance simplifies the complex world of RWA investment into a user-friendly platform. Here's how it brings tokenized assets to life:

1. Asset Tokenization

Asset owners can onboard their properties, commodities, or luxury goods through a rigorous process:

  • Submission: Owners provide proof of ownership, valuations, and legal documents.
  • Verification: Glimmer's AI and compliance teams ensure everything checks out.
  • Tokenization: Approved assets are converted into digital tokens via smart contracts.
  • Listing: Tokens are listed on the marketplace for trading.

This process ensures transparency and trust, with all transactions recorded on Solana's immutable blockchain.

2. Fractional Ownership

Glimmer's standout feature is fractional ownership, which lowers the entry barrier for investors. For example:

  • A $1 million property can be split into 1 million tokens.
  • You could own a piece for just $1, gaining exposure to real estate appreciation or rental income.

This approach enhances liquidity and diversifies portfolios, making high-value assets accessible to all.

3. AI-Powered Insights

Glimmer integrates artificial intelligence to supercharge decision-making:

  • Asset Selection: AI identifies high-potential assets for tokenization.
  • Market Predictions: Real-time analytics provide insights into trends and risks.
  • Risk Assessment: Tools like the "Average Risk Score" help you evaluate investments.

These features empower users to invest smarter, not harder.

The Power of Solana

Why Solana? It's the backbone that makes Glimmer Finance possible. Solana's architecture, with its Proof-of-History consensus, handles over 50,000 transactions per second, making it the fastest blockchain for RWA trading. Its low transaction costs — often fractions of a cent — ensure that investors keep more of their returns. As noted in a Medium article by the Harkness Institute, Solana's scalability and robust ecosystem make it ideal for RWA projects like Glimmer.

Solana's recent milestones, like Homebase tokenizing a rental property, show its real-world potential. Glimmer builds on this foundation to create a marketplace that's fast, secure, and globally accessible.

The $GLIMM Token and Presale Opportunity

At the heart of Glimmer Finance is its native token, $GLIMM, which powers the ecosystem. With a total supply of 5 billion tokens, $GLIMM offers multiple utilities:

  • Fee Discounts: Pay lower trading fees by holding $GLIMM.
  • Staking Rewards: Earn passive income with attractive APYs.
  • Governance: Vote on platform decisions.
  • Liquidity Incentives: Get rewards for supporting trading pairs.

The $GLIMM presale is live now, but act fast — the price increases as the presale progresses. Currently, 30% of the token supply is allocated to the public sale, with 5% unlocked at the Token Generation Event (TGE) and the rest vesting over 14 months. This structure ensures steady growth and long-term value.

Join the presale today using this referral link: https://glimmer.finance/SEXeAPgIZLu7. By participating, you're not just investing in tokens — you're securing a stake in the future of decentralized finance.

$GLIMM presale

Key Features of the Glimmer Marketplace

Glimmer's marketplace is designed for both novice and expert investors. Here are its standout features:

  • Diverse Assets: Trade real estate, commodities, luxury goods, and more.
  • Real-Time Liquidity: Buy and sell instantly with AI-driven pricing.
  • User-Friendly Design: Navigate the platform with ease, regardless of experience.
  • Blockchain Transparency: Every transaction is recorded on Solana's ledger.

These features make Glimmer a one-stop shop for RWA investing, as highlighted in posts on X praising its accessibility and AI integration.

Security and Compliance

Investing in RWAs requires trust, and Glimmer delivers with robust security and compliance measures:

  • KYC/AML: Partnered with Parallel Markets for fast, secure identity verification.
  • Data Protection: AES-256 encryption and GDPR-compliant storage safeguard user data.
  • Smart Contracts: Automated, transparent transactions reduce intermediary risks.

These protocols ensure a safe environment, building confidence for users worldwide.

https://medium.com/media/4a1b3bcff6f81ffcf8e6f1132fbce681/href

The Road Ahead

Glimmer Finance has an ambitious roadmap:

  • Q2 2025: Presale and community building.
  • Q3 2025: Beta platform launch with AI features.
  • Q1 2026: Expanded asset listings and risk tools.
  • Q2 2026: Multi-chain integration with Ethereum and others.

By Q3 2026, Glimmer aims to be the leading RWA marketplace, with deflationary token burns to boost $GLIMM's value.

Why You Should Join Glimmer Finance

Glimmer Finance isn't just another crypto project — it's a movement to make wealth-building accessible to everyone. Whether you're looking to diversify your portfolio, earn passive income through staking, or simply explore the future of finance, Glimmer has something for you. The ongoing $GLIMM presale is your chance to get in early, with prices rising as the campaign advances.

Take action now: Visit https://glimmer.finance/SEXeAPgIZLu7 to join the presale and become part of this revolutionary ecosystem. By using this referral link, you're supporting the community and securing your place in the RWA revolution.

What do you think about tokenized assets? Have you explored RWA platforms before, or is Glimmer Finance your first step into this space? Share your thoughts in the comments below — I'd love to hear your perspective!


source: https://raglup.medium.com/glimmer-finance-the-first-real-world-asset-marketplace-on-solana-0ae518f9c120?source=rss-f56f44caad34------2
Pubblicato da AlùKWebMaster alle 08:06 0 commenti

The MANTRA Meltdown: Unraveling a $6 to $0.50 Crypto Crash

In the volatile world of cryptocurrency, few events have sparked as much controversy and speculation as the dramatic collapse of Mantra's OM token, plummeting from nearly $6 to $0.50 in a single day on April 13, 2025. This catastrophic 90% drop wiped out over $5 billion in market capitalization, leaving investors reeling and the crypto community scrambling for answers. Was it an insider dump, a cascade of reckless liquidations, or something else entirely?, this article dissects the Mantra meltdown, explores competing theories, and reflects on the broader implications for the crypto industry.

A Catastrophic Collapse: The Numbers Tell the Story

On April 13, 2025, Mantra's OM token, which had been trading at a high of nearly $7, experienced a freefall, bottoming out at $0.40 before stabilizing around $0.52. This represented a staggering loss of over 90% of its value in mere hours. For investors, the impact was devastating: a $10,000 investment was reduced to less than $1,000. The speed and scale of the crash raised immediate red flags, prompting intense scrutiny from the crypto community and media outlets alike.

Mantra, a project known for its ambitious plans to tokenize real-world assets (RWA) worth over $1 billion in collaboration with a firm from the United Arab Emirates, had been a darling of the crypto world. Its market cap had propelled it into the top 50 projects, and its community was buzzing with optimism. So, what went wrong?

Theory 1: Insider Dumping and a Potential Rug Pull

The first theory to emerge pointed fingers at insiders. Social media erupted with accusations that team members or early investors orchestrated a massive sell-off, dumping millions of OM tokens onto exchanges like Binance and OKX. This speculation was fueled by data from blockchain analytics platforms Lookonchain and Arkham Intelligence, which identified 17 wallets moving 43.6 million OM tokens — worth approximately $227 million — before the crash. Notably, wallets allegedly linked to Laser Digital, a Nomura-backed investor in Mantra, and Shorooq Partners, another investor, were flagged for transferring significant sums.

The optics were damning: Mantra's social media accounts went silent during the crash, and the token's price tanked in a low-liquidity window on a Sunday afternoon, a time when trading activity is typically minimal. To many, this resembled a classic rug pull — a scenario where insiders cash out, leaving retail investors holding worthless tokens.

However, Mantra's CEO, John Mullin, swiftly denied these allegations in a Cointelegraph AMA on April 14, 2025. Mullin insisted that neither the Mantra team, its key investors, nor its advisors had sold tokens. He claimed Arkham Intelligence had "mislabeled" the wallets, asserting that the company had provided a transparency report on April 8 detailing its key wallet addresses. Laser Digital and Shorooq Partners echoed Mullin's denials, with Laser stating, "Assertions linking Laser to 'investor selling' are factually incorrect," and Shorooq emphasizing its long-term equity stake in Mantra, not just token holdings.

source: https://x.com/KeunShane/status/1911748174559015050

Theory 2: Cascading Liquidations in a Low-Liquidity Market

The second theory, which gained traction as more details emerged, attributes the crash to a cascade of liquidations triggered by over-leveraged positions in a low-liquidity environment. Mantra's team, in a statement on X, described the event as "reckless liquidations," pointing to exchanges like Binance and OKX. Mullin suggested that a single large sale — possibly not even insider-driven — sparked a domino effect, liquidating leveraged positions and driving prices lower.

Binance's official statement on April 14 supported this narrative, noting that "cross-exchange liquidations" were responsible. The exchange explained that in a low-liquidity window, such as a Sunday afternoon, a single sale can trigger rapid price declines, especially when many traders are using high leverage. For example, a liquidation at $6.50 could push prices to $6.00 in a low-liquidity market, triggering further stop-loss orders and liquidations at $6.10, $6.00, and below.

Adding weight to this theory, Binance revealed it had imposed leverage limits on OM trading since January 2025, suggesting other exchanges may not have been as cautious. OKX, meanwhile, flagged "suspicious activity" across multiple platforms and noted significant changes in Mantra's tokenomics since October 2024, hinting at underlying vulnerabilities.

Curious Fact: The Sunday Effect

The crash's timing on a Sunday afternoon underscores a lesser-known vulnerability in crypto markets. Unlike traditional markets, crypto trades 24/7, but liquidity often dips on weekends, particularly Sundays. A 2023 study by CryptoCompare found that trading volumes on Sundays are, on average, 30% lower than on weekdays, making markets more susceptible to sharp price swings from large orders.

The Regulatory Elephant in the Room

Beyond the immediate causes, the Mantra crash exposes deeper issues in the crypto industry: a lack of standardized regulation and transparency. Unlike traditional markets, where insider trading is heavily monitored and public companies must disclose financial details, crypto projects operate with minimal oversight. Tokenomics, insider allocations, and wallet activities are often opaque, leaving investors vulnerable to manipulation or misinformation.

Noting that while Mantra's high-profile partnerships and top-50 status inspired confidence, the lack of uniform reporting standards made it difficult to assess risks. For instance, the absence of mandatory disclosures about insider token holdings or vesting schedules meant investors had little insight into potential sell-off risks. This opacity contrasts sharply with regulated markets, where such information is public, and insider sales are tracked.

Pie Chart: Investor Sentiment Post-Crash

To capture the community's divided opinions, a pie chart illustrates sentiment based on social media reactions:

Lessons for the Crypto Industry

The Mantra meltdown serves as a wake-up call for the crypto industry. While decentralization is a core tenet, the absence of regulatory frameworks leaves investors exposed to risks that traditional markets have mitigated through decades of oversight. This "uncomfortable conversation" about regulation is inevitable, particularly for projects beyond Bitcoin, which lack a centralized team. Ethereum and other altcoins, with their development teams and token allocations, face similar scrutiny.

Mantra's case also underscores the dangers of over-leveraged trading. High leverage amplifies gains but also magnifies losses, and in low-liquidity scenarios, it can trigger catastrophic cascades. Investors must approach such markets with caution, prioritizing risk management over speculative bets.

Conclusion: A Call for Transparency and Reflection

The Mantra crash of April 13, 2025, remains an unresolved mystery, with investigations ongoing as of April 14. Was it an insider dump, as early data suggested, or a liquidation cascade amplified by low liquidity and reckless leverage? Perhaps the truth lies in a combination of factors. Regardless, the incident highlights the crypto industry's growing pains, from inadequate transparency to the perils of unregulated markets.

As the crypto space matures, stakeholders — projects, exchanges, and investors — must advocate for clearer standards and better risk management. For readers, the question remains: What do you think caused Mantra's collapse? Was it a calculated insider move, a market misstep, or something else? Share your thoughts in the comments below, and let's keep this critical conversation alive.

Sources:



source: https://raglup.medium.com/the-mantra-meltdown-unraveling-a-6-to-0-50-crypto-crash-af56cf47b76d?source=rss-f56f44caad34------2
Pubblicato da AlùKWebMaster alle 01:41 0 commenti

27 mar 2025

From Crypto to Coffee: Why Offramp.xyz

From Crypto to Coffee: Why Offramp Is the Ultimate Way to Spend Your Crypto in Latin America and Beyond

If you're sitting on a stash of crypto — whether it's USDC, USDT, or something else — and wondering how to actually use it in the real world, let me introduce you to my daily financial sidekick: Offramp.xyz. As someone who uses their Visa card every single day, I can tell you this isn't just another crypto gimmick — it's a game-changer. Whether you're in Latin America, the U.S., or halfway across the globe, Offramp makes spending your crypto as easy as swiping for a coffee. And yes, it even works with PayPal. Intrigued? Stick around — I'm about to break down why this platform is the best bridge between your wallet and the world.

My Crypto Journey Meets Offramp

I first stumbled across Offramp.xyz through a video that promised a seamless way to turn my crypto into real-world spending power. The pitch? Deposit your crypto, get a Visa card, and start swiping — 100% free to set up. Oh, and you could also earn interest and dabble in U.S. Treasury bonds. I'll admit, I was skeptical. Another crypto card promising the moon? But as a daily user now, I can confirm: it delivers. Big time.

The moment I signed up, I was hooked. After a quick KYC process (standard stuff — ID, selfie, address proof), I had a virtual Visa card ready to roll. I linked it to my Google Pay in seconds and started spending my USDT on everything from groceries to Netflix subscriptions. Later, I snagged their physical card too — it's been a total hit, especially for those moments when a virtual card just won't cut it (think ATMs or car rentals). Now, I'm that guy paying for dinner with crypto while my friends are still fumbling with cash.

Why It's Perfect for Latin America — and Everywhere Else

Living in Latin America, I've seen firsthand how tricky it can be to make crypto practical. High inflation, wonky exchange rates, and pricey bank fees are the norm. Offramp flips that script. It's available in over 180 countries, with a massive footprint in Latin America — think Argentina, Brazil, Mexico, and beyond. I've used it to pay in pesos at local stores, and the exchange rate? Shockingly good. One day, I checked, and it was $1197 ARS to the dollar — way better than the official rate of 1100 or the crypto market's 1280. That's real savings, right there.

Globally, it's just as slick. Offramp's Visa card works anywhere Visa is accepted, which is basically everywhere. From a street vendor in Buenos Aires to an online shop in Berlin, your crypto flows effortlessly. And here's a bonus: it supports PayPal. I've linked my Offramp card to my PayPal account and used it for online purchases — no hiccups, no fuss. That's a huge win for flexibility, especially if you're like me and juggle multiple payment methods.

Supports more than 110 countries

How It Works (Spoiler: It's Dead Simple)

Getting started is a breeze. Head to Offramp.xyz, sign up with an email or connect one of 400+ supported Web3 wallets (MetaMask, anyone?), and deposit your crypto. I usually send USDT over the Base network — fast, cheap, and reliable. The platform supports tons of chains like Ethereum, Arbitrum, Polygon, and more, so you're not locked into one ecosystem. Once your funds hit, they're instantly available on your Visa card. No hidden fees, no nonsense — just a 1:1 conversion to USD.

You can fund directly by sending to your wallet, by connecting a wallet and depositing funds or with a bank transfer
Send Crypto Directly
Deposit crypto from your wallet

Want to see your spending? The app's transaction history is like a mini home banking dashboard. I can track every purchase, send crypto to other wallets, or even cash out to a bank account (they're rolling out withdrawals in currencies like Argentine Pesos and Brazilian Reais this April — huge for LATAM users). It's all so intuitive, even my non-crypto friends could figure it out.

Beyond Spending: Earning While You Hold

Here's where Offramp gets spicy. Beyond everyday spending, you can park your unused funds in their "savings" option and earn up to 5% annual yield, backed by U.S. Treasury bonds. I deposited 50 USDC via Arbitrum, signed a quick transaction, and bam — my money's now working for me at 5.09% APR. It's not just a card; it's a mini investment hub. They even offer ETFs and stocks if you're feeling fancy, though I'm happy with the savings feature for now. Financial freedom? It's not just a tagline — it's real.

Savings
Buy Stocks

Why Offramp Stands Out

I've tried other crypto cards — Wirex, Crypto.com, you name it — but Offramp beats them all. For one, it's non-custodial, meaning I keep control of my keys. No trusting a third party with my funds. The fees? Minimal. There's a 1.5% foreign transaction fee (standard for Visa) and a 2% ATM withdrawal fee, but that's it — no sneaky charges. Plus, there's no limit on spending or top-ups, which is clutch for power users like me. And did I mention it's free to get started? No card creation fees, no maintenance costs — just ship the physical card if you want it.

The cherry on top? Their support is lightning-fast. I've pinged them on Twitter with questions, and they're back in my DMs within hours. They've even got a Telegram app if you're into that. It's clear they're building this for crypto natives and newbies alike.

Join the Revolution

Look, if you're still hodling your crypto and dreaming of the day it's as spendable as cash, stop waiting. Offramp.xyz is the bridge you've been looking for. I use it daily — coffee runs, online shopping, even splitting bills with friends — and it's never let me down. For Latin Americans, it's a lifeline to dodge inflation and bank hassles. For the world, it's the smoothest way to bring crypto into real life.

Ready to ditch the old financial system? Sign up at Offramp.xyz (pro tip: use my referral link below for a little bonus). Deposit some stablecoins, grab your Visa card, and start spending. Trust me — once you swipe with crypto, you'll never go back.

Referral link: https://app.offramp.xyz?af=0xbcb7be3e293289676B5F090B3cfB99b7F4ee957D

Liked this? Clap it up, share it, and let's get more people on the crypto spending train!



source: https://raglup.medium.com/from-crypto-to-coffee-why-offramp-xyz-31340ed790b0?source=rss-f56f44caad34------2
Pubblicato da AlùKWebMaster alle 21:22 0 commenti

🇨🇴 Me despidieron, soy de Colombia: ¿qué debo hacer ahora?

 


Perder el trabajo es una situación difícil, pero en Colombia existen derechos laborales y mecanismos de apoyo que pueden ayudarte a enfrentar este momento. Si te despidieron y no sabes cómo proceder, aquí te detallo los pasos a seguir, qué beneficios te corresponden y cómo aprovechar al máximo la ayuda estatal y otras opciones para salir adelante.


Paso 1: Revisa tu despido y calcula tu liquidación

Primero, identifica si tu despido fue con o sin justa causa según el Código Sustantivo del Trabajo:

  • Sin justa causa: Si no hubo motivos graves (como indisciplina o delitos), te corresponde una indemnización: 30 días de salario por el primer año y 20 días por cada año adicional (o fracción mayor a un mes) si tenías contrato indefinido; o 15 días por año si era a término fijo.
  • Con justa causa: Si el despido se basó en razones legales (ej. incumplimiento grave), no hay indemnización, pero sí te deben pagar lo trabajado.

En ambos casos, tu liquidación incluye:

  • Salarios pendientes.
  • Cesantías (un mes por año trabajado, más intereses del 12% anual).
  • Vacaciones no disfrutadas.
  • Prima de servicios (15 días por semestre trabajado).

Para calcularlo, usa herramientas como la Calculadora de Liquidación de Buk o Calculadora de Minhacienda. Revisa tu carta de despido y finiquito; si algo no cuadra, consulta gratis en el Ministerio de Trabajo.

Paso 2: Solicita el Mecanismo de Protección al Cesante

Si estabas afiliado a una Caja de Compensación Familiar, puedes acceder al Subsidio de Desempleo (Ley 1636 de 2013). Este beneficio incluye:

  • Aportes a salud y pensión por 6 meses (basados en un salario mínimo, $1.300.000 en 2025).
  • Un pago de $780.000 dividido en 3 cuotas mensuales (ajustado a 2025).
  • Capacitación y apoyo para buscar empleo.

Requisitos:

  • Haber cotizado al menos 12 meses (continuos o no) en los últimos 3 años a una Caja.
  • No haber recibido este beneficio en los últimos 3 años.
  • Estar desempleado y postularte en tu última Caja (ej. Colsubsidio, Comfama).

Solicítalo en la web de tu Caja o presencialmente con tu cédula y certificado de cese laboral.

Paso 3: Retira tus cesantías

Tus cesantías, depositadas en un fondo (ej. Porvenir, Protección), son un ahorro al que puedes acceder por desempleo. Necesitas:

  • Carta de terminación del contrato.
  • Formulario del fondo.

Tramítalo online o en una oficina. Esto te dará un respiro financiero mientras te reubicas.

Paso 4: Busca apoyo estatal adicional

Además del Subsidio de Desempleo, hay otros recursos:

  • Servicio Público de Empleo: Registra tu hoja de vida en Servicio de Empleo para acceder a vacantes y capacitaciones gratuitas.
  • SENA: Cursos gratuitos para mejorar tus habilidades en Sofía Plus.
  • Subsidios sociales: Si estás en situación vulnerable, revisa programas en Prosperidad Social.

Paso 5: Organiza tus finanzas y busca empleo

Usa la liquidación y cesantías para cubrir gastos básicos. Para encontrar trabajo, explora:

Actualiza tu CV y asiste a ferias de empleo del SENA o las Cajas.

Consideraciones clave para sobrellevar la situación

  • Plazos: Tienes 2 meses desde el despido para reclamar si fue injustificado (ante el Ministerio de Trabajo o un juez laboral).
  • Salud: Si no accedes al Subsidio de Desempleo, afíliate al régimen subsidiado de salud en ADRES para no quedar desprotegido.
  • Bienestar: El desempleo puede afectar tu ánimo. Busca apoyo gratuito en líneas como Línea 106 en Bogotá.

En resumen

Un despido en Colombia no te deja sin opciones. Tienes derecho a liquidación, cesantías y el Subsidio de Desempleo si cumplías con las cotizaciones. Actúa rápido para tramitar beneficios, usa las herramientas estatales y privadas para buscar trabajo, y organiza tus finanzas. Con paciencia y estos recursos, puedes superar este momento.

¿Te pasó algo similar? Comparte tu experiencia en los comentarios o revisa más en los enlaces. ¡Fuerza, esto es pasajero!



source: http://www.lajugadamaestra.org/2025/03/me-despidieron-soy-de-colombia-que-debo.html
Pubblicato da AlùKWebMaster alle 05:17 0 commenti

🇨🇱 Me despidieron en Chile: ¿Cuáles son mis derechos? ¿Que debo hacer ahora?


 Perder el trabajo es un golpe duro, pero en Chile existen derechos y herramientas que te pueden ayudar a sobrellevar esta situación. Si te despidieron y no sabes por dónde empezar, aquí te detallo los pasos a seguir, las consideraciones clave sobre beneficios y cómo aprovechar la mayor cantidad de ayuda estatal o de otras fuentes para salir adelante.


Paso 1: Revisa la legalidad de tu despido y el finiquito

Lo primero es entender por qué te despidieron. La causal del despido (como "necesidades de la empresa" o "conducta grave") define tus derechos. Revisa la carta de despido: debe especificar la razón y cumplir con el Código del Trabajo. Si no te avisaron con 30 días de anticipación, te corresponde una indemnización sustitutiva del aviso previo, equivalente a un mes de sueldo (con tope de 90 UF).

Luego, asegúrate de que tu finiquito incluya:

  • Indemnización por años de servicio: Un mes de sueldo por cada año trabajado (mínimo 1 año, tope 11 años) si el despido fue por necesidades de la empresa.
  • Vacaciones proporcionales: Días no tomados, calculados según el tiempo trabajado.
  • Sueldos pendientes: Todo lo que te adeuden hasta el último día.

Para calcular cuánto te corresponde, usa herramientas como la calculadora de finiquito de Buk o ElFiniquito.cl. Si algo no cuadra, no firmes el finiquito sin asesorarte. Puedes hacerlo "con reserva de derechos" y reclamar en la Inspección del Trabajo dentro de 60 días hábiles.

Paso 2: Verifica tus cotizaciones

Tu empleador debe haber pagado tus cotizaciones de AFP, salud (Fonasa o Isapre) y seguro de cesantía hasta el mes anterior al despido. Si no están al día, el despido no es válido hasta que se regularice, y te deben pagar sueldo mientras tanto. Revisa tu estado en Previred o con tu AFP.

Paso 3: Solicita el Seguro de Cesantía

Si estabas afiliado al Seguro de Cesantía (obligatorio para contratos desde octubre de 2002), puedes acceder a este beneficio. Necesitas:

  • Al menos 6 cotizaciones continuas con el mismo empleador o 12 discontinuas.
  • Finiquito o carta de despido.
  • Cédula de identidad vigente.

Solicítalo en la Sucursal Virtual de AFC Chile o en una sucursal presencial. El monto depende de tu sueldo promedio (hasta un tope) y disminuye con el tiempo: 70% el primer mes, 55% el segundo, etc. Además, incluye un aporte del 10% a tu AFP. Más detalles en ChileAtiende.

Paso 4: Busca apoyo estatal adicional

Chile ofrece programas para quienes quedan sin trabajo:

  • Subsidios del SENCE: Si estás cesante, puedes acceder a cursos gratuitos para mejorar tus habilidades en SENCE. Algunos incluso ofrecen un pequeño aporte económico mientras te capacitas en Subsidio al Empleo.
  • Red de Protección Social: Revisa si calificas para beneficios como el Ingreso Familiar de Emergencia o el Subsidio al Empleo Joven en Red de Protección. Necesitarás actualizar tu Registro Social de Hogares.
  • Asesoría gratuita: La Corporación de Asistencia Judicial te puede ayudar con temas legales sin costo si cumples los requisitos.
  • https://www.subsidioalempleo.cl/

Paso 5: Organiza tus finanzas y busca empleo

Mientras recibes el Seguro de Cesantía o esperas el finiquito, ajusta tu presupuesto. Prioriza gastos esenciales y evita deudas innecesarias. Para buscar trabajo, usa plataformas como:

Además, actualiza tu currículum y aprovecha redes como LinkedIn o ferias laborales del SENCE.

Consideraciones clave para sobrellevar la situación

  • Actúa rápido: Tienes 60 días hábiles para reclamar si el despido fue injustificado o el finiquito tiene errores. Si no reclamas, pierdes ese derecho.
  • Salud mental: Perder el empleo puede afectar emocionalmente. Si lo necesitas, llama al *4141 (Ministerio de Salud) para apoyo psicológico gratuito.
  • Ahorros y deudas: Usa el finiquito y el Seguro de Cesantía como colchón mientras te estabilizas. Evita gastar todo de golpe.

En resumen

Ser despedido no es el fin del mundo. En Chile, tienes derechos como el finiquito y el Seguro de Cesantía, además de apoyo estatal para capacitarte y buscar nuevas oportunidades. Revisa tu caso, calcula lo que te corresponde, solicita ayuda y planifica tus próximos pasos. Con organización y los recursos adecuados, puedes superar este bache.

¿Tienes dudas sobre tu despido? Comparte tu experiencia en los comentarios o busca más información en los enlaces. ¡Ánimo, que esto es solo una etapa!



source: http://www.lajugadamaestra.org/2025/03/me-despidieron-en-chile-cuales-son-mis.html
Pubblicato da AlùKWebMaster alle 02:53 0 commenti
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