{"id":11640,"date":"2025-09-29T18:30:30","date_gmt":"2025-09-29T18:30:30","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=11640"},"modified":"2025-09-30T08:01:56","modified_gmt":"2025-09-30T08:01:56","slug":"qnb-revolution-paiements-usd-kinexys","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/qnb-revolution-paiements-usd-kinexys\/","title":{"rendered":"QNB adopte Kinexys : la blockchain de JPMorgan r\u00e9volutionne les paiements en dollars"},"content":{"rendered":"<h2>Comment QNB r\u00e9volutionne ses paiements en dollars gr\u00e2ce \u00e0 la blockchain\u00a0?<\/h2>\n<p>QNB substitue un besoin urgent : <strong>acc\u00e9l\u00e9rer les paiements transfrontaliers<\/strong> de ses clients corporate. SWIFT est lent, co\u00fbteux et opaque pour les virements en dollars. Chaque interm\u00e9diaire ajoute des frais et des d\u00e9lais aux paiements transfrontaliers.<\/p>\n<p>Un virement en USD peut prendre quelques jours ouvrables. Pour les entreprises internationales, ce d\u00e9lai est un frein \u00e0 la tr\u00e9sorerie. Kinexys, la blockchain priv\u00e9e de JPMorgan, supprime ces frictions.<\/p>\n<p>QNB est la <strong>premi\u00e8re banque qatarienne<\/strong> \u00e0 adopter Kinexys pour ses paiements en USD. Les virements sont instantan\u00e9s, 24h\/24 et 7j\/7. Cette disponibilit\u00e9 permanente d\u00e9passe les horaires des banques traditionnelles. Ainsi, les fuseaux horaires ne bloquent plus les paiements urgents.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">According to Bloomberg, Qatar National Bank (QNB Group) has adopted JPMorgan\u2019s blockchain platform to process US dollar corporate payments for its Qatar-based bank. With the integration of JPMorgan\u2019s Kinexys Digital Payments system, QNB can now handle USD payments for local\u2026<\/p>\n<p>&mdash; Wu Blockchain (@WuBlockchain) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/WuBlockchain\/status\/1972531083255386551?ref_src=twsrc%5Etfw\">September 29, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Les fonds sont <strong>tra\u00e7ables en temps r\u00e9el<\/strong>, avec visibilit\u00e9 compl\u00e8te. Les risques op\u00e9rationnels et les enqu\u00eates manuelles sont fortement r\u00e9duits. Les d\u00e9lais et les co\u00fbts de traitement sont \u00e9galement diminu\u00e9s. Les entreprises qataries deviennent plus efficaces et plus r\u00e9actives.<\/p>\n<p>QNB renforce son leadership technologique dans la r\u00e9gion MENA. Cette \u00e9tape marque une <strong>avanc\u00e9e dans la digitalisation<\/strong> des paiements du Golfe.<\/p>\n<h2>Kinexys : la technologie blockchain de JPMorgan qui s\u00e9duit la finance mondiale<\/h2>\n<p>Kinexys est une blockchain priv\u00e9e pour les r\u00e8glements interbancaires rapides et s\u00e9curis\u00e9s. Elle ne se contente pas de d\u00e9placer de l&rsquo;argent. Elle organise les <strong>paiements institutionnels<\/strong> sur la blockchain.<\/p>\n<p>La plateforme respecte les <strong>normes r\u00e9glementaires strictes<\/strong> du secteur bancaire. Elle combine rapidit\u00e9, s\u00e9curit\u00e9 et conformit\u00e9. \u00c0 l&rsquo;inverse des blockchains publiques, Kinexys propose une gouvernance d\u00e9finie et un acc\u00e8s restreint. Seules les institutions financi\u00e8res v\u00e9rifi\u00e9es peuvent rejoindre le r\u00e9seau.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11669 size-full\" src=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/jp-morgan-kinexys-post-trade.jpg\" alt=\"\" width=\"1700\" height=\"1100\" srcset=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/jp-morgan-kinexys-post-trade.jpg 1700w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/jp-morgan-kinexys-post-trade-300x194.jpg 300w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/jp-morgan-kinexys-post-trade-1024x663.jpg 1024w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/jp-morgan-kinexys-post-trade-768x497.jpg 768w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/jp-morgan-kinexys-post-trade-1536x994.jpg 1536w\" sizes=\"auto, (max-width: 1700px) 100vw, 1700px\" \/><\/p>\n<p>Ce contr\u00f4le est essentiel pour les grandes banques mondiales. Kinexys repose sur un jeton de d\u00e9p\u00f4t <strong>adoss\u00e9 \u00e0 une monnaie fiduciaire<\/strong>. Ce jeton se d\u00e9place directement sur la blockchain, sans les interm\u00e9diaires habituels. Les paiements sont \u00ab\u00a0on-chain\u00a0\u00bb, rapides et s\u00e9curis\u00e9s. La monnaie num\u00e9ris\u00e9e permet des transferts instantan\u00e9s entre membres du r\u00e9seau.<\/p>\n<p>Depuis son lancement, Kinexys a trait\u00e9 plus de <strong>1,5 billion de dollars<\/strong>. Son volume quotidien d\u00e9passe les 2 milliards de dollars. Son adoption massive t\u00e9moigne de sa fiabilit\u00e9. Des banques comme DBS, BNP Paribas et Saudi National Bank l&#8217;emploient d\u00e9sormais. M\u00eame Siemens a pay\u00e9 des titres tokenis\u00e9s via la premi\u00e8re version d&rsquo;Onyx.<\/p>\n<p>En plus des paiements, Kinexys repr\u00e9sente une solution blockchain robuste pour la finance mondiale. JPMorgan explore actuellement d&rsquo;autres cas d\u2019usage du jeton de d\u00e9p\u00f4t, notamment via des <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/token-de-depot-jpmd-jpmorgan-choisit-base-pour-les-tests\/\">tests sur le r\u00e9seau Base<\/a><\/strong>.<\/p>\n<h2>Quel futur pour les paiements transfrontaliers : le Golfe, nouveau moteur de l\u2019adoption blockchain ?<\/h2>\n<p>L\u2019initiative de QNB agit comme <a href=\"https:\/\/www.jpmorgan.com\/payments\/newsroom\/kinexys-blockchain-mena-region\" target=\"_blank\" rel=\"\">catalyseur pour toute la r\u00e9gion MENA<\/a>. Elle s\u2019appuie sur une technologie d\u00e9j\u00e0 adopt\u00e9e par <strong>huit grandes institutions financi\u00e8res<\/strong>.<\/p>\n<p>QNB alimente une dynamique r\u00e9gionale de <strong>modernisation des paiements num\u00e9riques<\/strong>. Le Golfe Persique veut devenir un hub financier et technologique mondial. Il joue un r\u00f4le cl\u00e9 dans l\u2019adoption de la blockchain bancaire.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11672 size-full\" src=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capture-decran-2025-09-30-094655.png\" alt=\"\" width=\"1895\" height=\"866\" srcset=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capture-decran-2025-09-30-094655.png 1895w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capture-decran-2025-09-30-094655-300x137.png 300w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capture-decran-2025-09-30-094655-1024x468.png 1024w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capture-decran-2025-09-30-094655-768x351.png 768w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/09\/Capture-decran-2025-09-30-094655-1536x702.png 1536w\" sizes=\"auto, (max-width: 1895px) 100vw, 1895px\" \/><\/p>\n<p>Kinexys d\u00e9passe le cadre du dollar am\u00e9ricain. La plateforme prend aussi en charge l\u2019euro (EUR) et la livre sterling (GBP). Elle pourrait int\u00e9grer <strong>d\u2019autres devises internationales<\/strong> dans un avenir proche. Cette capacit\u00e9 multidevise renforce son influence mondiale. Elle standardise l\u2019efficacit\u00e9 des transferts pour les grandes entreprises.<\/p>\n<p>La d\u00e9cision de QNB am\u00e9liore sa comp\u00e9titivit\u00e9 sur les march\u00e9s internationaux. Elle positionne le Qatar comme <strong>centre d\u2019innovation bancaire r\u00e9gional<\/strong>. La question n\u2019est plus \u201csi\u201d la blockchain sera adopt\u00e9e. Elle devient \u201cquand\u201d elle deviendra le standard universel des paiements interbancaires.<\/p>\n<h2>\u00c0 quelle vitesse cette adoption va-t-elle s\u2019\u00e9tendre ?<\/h2>\n<p>QNB choisit Kinexys pour ses paiements en dollars. C\u2019est une avanc\u00e9e majeure pour les paiements internationaux. La finance traditionnelle s\u2019allie enfin \u00e0 la <strong>technologie blockchain<\/strong>. Les entreprises gagnent en rapidit\u00e9, efficacit\u00e9 et transparence.<\/p>\n<p>Le secteur bancaire r\u00e9gional entre dans une nouvelle \u00e8re. La blockchain institutionnelle devient un outil concret, plus un test. La vraie question : \u00e0 quelle vitesse cette adoption va-t-elle s\u2019\u00e9tendre ? Le Moyen-Orient et l\u2019Afrique du Nord sont les <strong>prochains terrains d\u2019expansion<\/strong>.<\/p>\n<hr \/>\n<p>\u00c0 lire aussi :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/kinexys-credits-carbone\">Kinexys : bient\u00f4t au coeur des cr\u00e9dits carbone ?<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/nasdaq-trading-actions-tokenisees\/\">Le Nasdaq r\u00e9volutionne la bourse avec les premi\u00e8res actions tokenis\u00e9es<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/robinhood-permet-acheter-actions-tokenisees\">Robinhood permet enfin d\u2019acheter des actions tokenis\u00e9es<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/polkadot-stablecoin-natif-defi\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>La Qatar National Bank acc\u00e9l\u00e8re sa transformation num\u00e9rique. Elle adopte Kinexys, la blockchain priv\u00e9e d\u00e9velopp\u00e9e par JPMorgan. Kinexys s\u2019appelait auparavant Onyx. La plateforme permet de traiter les paiements en dollars internationaux. Les transactions sont plus rapides, plus s\u00fbres et plus transparentes.<\/p>\n","protected":false},"author":200,"featured_media":11674,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,43],"tags":[],"class_list":["post-11640","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu","category-actualites-du-marche"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>QNB passe \u00e0 Kinexys pour ses paiements en dollars<\/title>\n<meta name=\"description\" content=\"La Qatar National Bank acc\u00e9l\u00e8re sa transformation num\u00e9rique. 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Je souhaite y apporter mon approche analytique et rationnelle, tout en conservant ma curiosit\u00e9. En dehors de l\u2019\u00e9cran, je lis beaucoup (\u00e9conomie, essais, un peu de science-fiction) et je prends plaisir \u00e0 bricoler. Le DIY, pour moi, c\u2019est comme la crypto : comprendre, tester, construire soi-m\u00eame.","url":"https:\/\/www.coinspeaker.com\/fr\/author\/emmanuel\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/11640","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/users\/200"}],"replies":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/comments?post=11640"}],"version-history":[{"count":3,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/11640\/revisions"}],"predecessor-version":[{"id":11670,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/11640\/revisions\/11670"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media\/11674"}],"wp:attachment":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media?parent=11640"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/categories?post=11640"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/tags?post=11640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}