{"id":12484,"date":"2025-10-06T16:00:11","date_gmt":"2025-10-06T16:00:11","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=12484"},"modified":"2025-10-07T08:06:27","modified_gmt":"2025-10-07T08:06:27","slug":"standard-chartered-1000-milliards-stablecoins-2028","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/standard-chartered-1000-milliards-stablecoins-2028\/","title":{"rendered":"Les stablecoins pourraient attirer 1 000 milliards $ d\u2019ici 2028, selon Standard Chartered"},"content":{"rendered":"<h2>Un bouleversement silencieux dans les \u00e9conomies \u00e9mergentes<\/h2>\n<p>La banque britannique <a href=\"https:\/\/fr.wikipedia.org\/wiki\/Standard_Chartered\" target=\"_blank\" rel=\"\">Standard Chartered<\/a> pr\u00e9voit des transferts massifs de fonds en stablecoins (notamment en provenance des pays \u00e9mergents) de l\u2019ordre de <strong>1.000 milliards de dollars<\/strong>.<\/p>\n<p>D\u2019apr\u00e8s leurs estimations, ces actifs devraient passer des <a href=\"https:\/\/www.coinspeaker.com\/fr\/blockchain-publique-banques-suisses-paiement-inedit\/\">banques traditionnelles<\/a> \u00e0 des placements num\u00e9riques plus liquides et en permanence disponibles au sein d\u2019un horizon de cinq ans.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Standard Chartered warns stablecoin use could trigger over $1 trillion in withdrawals from emerging market banks. <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/yyd9z7wlwb\">pic.twitter.com\/yyd9z7wlwb<\/a><\/p>\n<p>&mdash; Messari (@MessariCrypto) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/MessariCrypto\/status\/1975183346390217140?ref_src=twsrc%5Etfw\">October 6, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>\u00c0 en juger par les \u00e9tudes les plus r\u00e9centes men\u00e9es par Standard Chartered, la demande pour des devises num\u00e9riques stables et sans risque continue de progresser, en particulier dans les \u00e9conomies fragiles.<\/p>\n<p>Cependant, les risques de d\u00e9valuation durable, par la perte de la convertibilit\u00e9 de leurs monnaies locales, peuvent entraver l\u2019attirance pour ce type de bancarisation.<\/p>\n<p>Des millions de d\u00e9posants, d\u00e9j\u00e0 victimes de la d\u00e9valuation, de l\u2019inflation, restent persuad\u00e9s que leur recours pourrait \u00eatre \u00e0 nouveau une r\u00e9f\u00e9rence fiable.<\/p>\n<p>Les \u00c9tats qui connaissent \u00e0 pr\u00e9sent le ph\u00e9nom\u00e8ne de \u00ab <a href=\"https:\/\/fr.wikipedia.org\/wiki\/Fuite_des_capitaux\" target=\"_blank\" rel=\"\">fuite des capitaux<\/a> \u00bb, dans lequel <strong>l\u2019affaiblissement mon\u00e9taire<\/strong> se traduit, finalement, par une perte d\u2019int\u00e9r\u00eat pour la banque nationale, sont les suivants\u00a0:<\/p>\n<p>\u00c9gypte, Pakistan, Colombie, Bangladesh, Sri Lanka, Turquie, Inde, Chine, Br\u00e9sil, Afrique du Sud, Kenya.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12519 aligncenter\" src=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/10\/Opportunity-risk-continuum-for-bank-deposits-to-stablecoin-outflows.png\" alt=\"\" width=\"1299\" height=\"1446\" srcset=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/10\/Opportunity-risk-continuum-for-bank-deposits-to-stablecoin-outflows.png 1299w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/10\/Opportunity-risk-continuum-for-bank-deposits-to-stablecoin-outflows-270x300.png 270w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/10\/Opportunity-risk-continuum-for-bank-deposits-to-stablecoin-outflows-920x1024.png 920w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/10\/Opportunity-risk-continuum-for-bank-deposits-to-stablecoin-outflows-768x855.png 768w\" sizes=\"auto, (max-width: 1299px) 100vw, 1299px\" \/><\/p>\n<h2>La mont\u00e9e en puissance des stablecoins<\/h2>\n<p>Cette somme consid\u00e9rable <strong>ne se d\u00e9placera pas sans raison<\/strong>. D\u2019un c\u00f4t\u00e9, les <a href=\"https:\/\/www.coinspeaker.com\/fr\/stablecoins-arme-geants-paiement\/\">stablecoins<\/a>, adoss\u00e9s \u00e0 des devises solides comme le dollar ou l\u2019euro, <strong>garantissent<\/strong> une liquidit\u00e9 stable et une accessibilit\u00e9 mondiale.<\/p>\n<p>De l\u2019autre, ils <strong>aident les utilisateurs \u00e0 contourner<\/strong> les restrictions locales sur les retraits, les contr\u00f4les de change et les horaires limit\u00e9s des banques.<\/p>\n<p>Standard Chartered met en lumi\u00e8re qu\u2019en d\u00e9pit de l\u2019interdiction par <a href=\"https:\/\/fr.wikipedia.org\/wiki\/GENIUS_Act\" target=\"_blank\" rel=\"\">la loi am\u00e9ricaine GENIUS Act <\/a>d\u2019\u00e9mettre des stablecoins r\u00e9gul\u00e9s proposant des rendements.<\/p>\n<p>Cette contrainte ne fait pas obstacle \u00e0 leur d\u00e9veloppement et les investisseurs sont de plus en plus attir\u00e9s par ces actifs dans le but, non pas de gagner de l\u2019argent rapidement, mais de prot\u00e9ger leur capital.<\/p>\n<div id=\"attachment_12522\" style=\"width: 1521px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-12522\" class=\"size-full wp-image-12522\" src=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/10\/stablecoin-marketcap.png\" alt=\"\" width=\"1511\" height=\"694\" srcset=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/10\/stablecoin-marketcap.png 1511w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/10\/stablecoin-marketcap-300x138.png 300w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/10\/stablecoin-marketcap-1024x470.png 1024w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/10\/stablecoin-marketcap-768x353.png 768w\" sizes=\"auto, (max-width: 1511px) 100vw, 1511px\" \/><p id=\"caption-attachment-12522\" class=\"wp-caption-text\">Source : <a href=\"https:\/\/defillama.com\/stablecoins\" target=\"_blank\" rel=\"\">defillama.com<\/a><\/p><\/div>\n<p>Dans une tonalit\u00e9 identique, l\u2019\u00e9tablissement bancaire annonce un march\u00e9 mondial des stablecoins qui pourrait atteindre <strong>2000 milliards de dollars d&rsquo;ici \u00e0 la fin 2028.<\/strong><\/p>\n<p>Dont pr\u00e8s de deux au moins des trois proviendrait des \u00e9conomies \u00e9mergentes, mais sous l\u2019hypoth\u00e8se d\u2019une m\u00eame dynamique, augurant davantage si le GENIUS Act devait cr\u00e9dibiliser le secteur et <a href=\"https:\/\/www.coinspeaker.com\/fr\/reeve-collins-stablecoins-2030\/\">attirer de nouveaux \u00e9metteurs<\/a> et institutionnels.<\/p>\n<h2>Un nouveau paysage financier mondial<\/h2>\n<p>Ce tournant constitue \u00e0 pr\u00e9sent un tournant d\u00e9cisif pour la finance internationale.<\/p>\n<p>En effet, l\u2019\u00e9mergence des stablecoins va changer de fa\u00e7on d\u00e9cisive la fa\u00e7on de consid\u00e9rer la confiance : alors que le citoyen ne croit plus en la banque, il se tourne maintenant vers des alternatives d\u00e9centralis\u00e9es, transparentes et accessibles 24 heures sur 24.<\/p>\n<p><strong>Pour les institutions bancaires locales, le d\u00e9fi s\u2019annonce colossal.<\/strong> Une diminution des d\u00e9p\u00f4ts <strong>pourrait ainsi<\/strong> limiter leur capacit\u00e9 \u00e0 accorder des pr\u00eats, <strong>tout en augmentant<\/strong> leur d\u00e9pendance envers les <a href=\"https:\/\/www.coinspeaker.com\/fr\/deutsche-bank-bitcoin-actif-reserve\/\">banques centrales<\/a>.<\/p>\n<p>Cette progression devrait id\u00e9alement \u00e0 long terme consolider la position des actifs num\u00e9riques dans la stabilit\u00e9 financi\u00e8re mondiale.<\/p>\n<hr \/>\n<p>Source : <a href=\"https:\/\/www.theblock.co\/post\/373510\/standard-chartered-estimates-1-trillion-could-exit-emerging-market-bank-deposits-for-us-stablecoins\" target=\"_blank\" rel=\"\">The Block<\/a><\/p>\n<hr \/>\n<p>\u00c0 lire aussi :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/les-wallets-non-custodial-deviennent-ils-enfin-grand-public\/\">Les wallets non custodial deviennent-ils enfin grand public ?<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/250-millions-a-77-milliards-plus-gros-coup-crypto\/\">De 250 millions \u00e0 77 milliards, l\u2019histoire vraie du plus gros coup crypto de la d\u00e9cennie<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/deficit-france-arthur-hayes-bitcoin\/\">Arthur Hayes voit le d\u00e9ficit fran\u00e7ais comme une opportunit\u00e9 pour Bitcoin<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/takaichi-fiscalite-crypto-japon\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>Standard Chartered pr\u00e9voit qu\u2019environ 1 000 milliards de dollars quitteront les banques des pays \u00e9mergents d&rsquo;ici \u00e0 2028 pour rejoindre les stablecoins. Cette migration massive de capitaux serait motiv\u00e9e par la recherche de stabilit\u00e9, de liquidit\u00e9 et de confiance dans des \u00e9conomies fragilis\u00e9es par l\u2019inflation. Selon la banque britannique, cette transformation marque une \u00e9tape majeure pour la finance mondiale et confirme la mont\u00e9e en puissance des actifs num\u00e9riques dans les march\u00e9s \u00e9mergents.<\/p>\n","protected":false},"author":200,"featured_media":12520,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,43],"tags":[],"class_list":["post-12484","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>Stablecoins : 1 000 milliards $ attendus d\u2019ici 2028<\/title>\n<meta name=\"description\" content=\"Standard Chartered pr\u00e9voit qu\u2019un trillion de dollars quittera les banques des pays \u00e9mergents d\u2019ici 2028 pour rejoindre les 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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\/12484","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=12484"}],"version-history":[{"count":4,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/12484\/revisions"}],"predecessor-version":[{"id":12586,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/12484\/revisions\/12586"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media\/12520"}],"wp:attachment":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media?parent=12484"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/categories?post=12484"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/tags?post=12484"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}