{"id":12870,"date":"2025-10-09T12:00:25","date_gmt":"2025-10-09T12:00:25","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=12870"},"modified":"2025-10-09T10:09:56","modified_gmt":"2025-10-09T10:09:56","slug":"ouganda-cbdc-kenya-crypto-loi","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/ouganda-cbdc-kenya-crypto-loi\/","title":{"rendered":"Ouganda : le pays lance sa propre monnaie num\u00e9rique"},"content":{"rendered":"<h2>Kampala teste un shilling num\u00e9rique adoss\u00e9 \u00e0 des obligations d&rsquo;\u00c9tat<\/h2>\n<p>Particularit\u00e9 importante : le jeton est adoss\u00e9 \u00e0 des obligations du <strong>Tr\u00e9sor<\/strong> ougandais, et le pilote respecte les garde-fous de conformit\u00e9, du KYC \u00e0 l&rsquo;anti-blanchiment.<\/p>\n<p>Le m\u00eame programme s&rsquo;inscrit dans une initiative plus vaste de tokenisation de 5,5 milliards de dollars d&rsquo;actifs \u00ab\u00a0r\u00e9els\u00a0\u00bb, des hubs agro-industriels aux mines et aux fermes solaires. L&rsquo;id\u00e9e est classique mais <strong>ambitieuse<\/strong> : r\u00e9duire la friction de financement, tracer les flux et attirer des capitaux en adossant l&rsquo;innovation \u00e0 des revenus locaux.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">NEW: Uganda launches a <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/hashtag\/CBDC?src=hash&amp;ref_src=twsrc%5Etfw\">#CBDC<\/a> pilot as part of a $5.5B <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/hashtag\/tokenization?src=hash&amp;ref_src=twsrc%5Etfw\">#tokenization<\/a> initiative with Global Settlement Network and Diacente Group \ud83e\ude99\ud83c\udf0d <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/SAlJZoEexm\">pic.twitter.com\/SAlJZoEexm<\/a><\/p>\n<p>&mdash; Coinpaper (@coinpapercom) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/coinpapercom\/status\/1976167081478435093?ref_src=twsrc%5Etfw\">October 9, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>L&rsquo;Ouganda rejoint ainsi un club africain d\u00e9j\u00e0 actif, du Nigeria pionnier de la e-Naira \u00e0 l&rsquo;Afrique du Sud et au Ghana en phase d&rsquo;essais, tandis que l&rsquo;\u00c9gypte vise 2030 et que le Rwanda et le Kenya <strong>consultent encore.<\/strong><\/p>\n<p>Pour les utilisateurs, l&rsquo;enjeu est pragmatique. Une <strong>CBDC<\/strong> mobile peut fluidifier les paiements publics et priv\u00e9s, stimuler la bancarisation num\u00e9rique et, \u00e0 terme, s&rsquo;interfacer avec des rails transfrontaliers.<\/p>\n<p>Pour l&rsquo;\u00c9tat, l&rsquo;adossement \u00e0 la dette locale inscrit le projet dans un cadre budg\u00e9taire connu, tout en offrant un terrain d&rsquo;essai aux cas d&rsquo;usage de tokenisation.<\/p>\n<h2>Un corridor r\u00e9gional qui se structure<\/h2>\n<p>L&rsquo;Afrique subsaharienne est l&rsquo;un des bassins d&rsquo;adoption crypto les plus dynamiques. Selon Chainalysis, la r\u00e9gion a re\u00e7u environ 205 milliards de dollars de valeur on-chain entre juillet 2024 et juin 2025, avec un r\u00f4le central pour les stablecoins, qui p\u00e8seraient pr\u00e8s de 43 pour cent des volumes.<\/p>\n<p>Le Nigeria, l&rsquo;Afrique du Sud, le Ghana, le Kenya et la Zambie dominent, l&rsquo;Ouganda figurant aussi dans le peloton de t\u00eate.<\/p>\n<p>Dans ce contexte, voir le Kenya <a href=\"https:\/\/www.coinspeaker.com\/fr\/partenariat-bolivie-salvador-crypto\/\">verrouiller un cadre<\/a> pendant que l&rsquo;Ouganda avance sur une CBDC et une strat\u00e9gie de tokenisation cr\u00e9e un effet de corridor : rails r\u00e9glementaires c\u00f4t\u00e9 Nairobi, monnaie publique programmable c\u00f4t\u00e9 Kampala.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Yesterday&#39;s  <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/DailyMonitor?ref_src=twsrc%5Etfw\">@DailyMonitor<\/a> &#39;s cover story featured Uganda&#39;s plan for a CBDC. Ultimately, the need for military grade cybersecurity &amp; regulatory clarity to protectct users&#39; privacy were highlighted. <br \/>Attached below is a policy recommendation reminder arising from the CBDC proposal <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/3pa14lb27s\">pic.twitter.com\/3pa14lb27s<\/a><\/p>\n<p>&mdash; Marshall \ud83d\udfe7 (@DCF_Marshall) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/DCF_Marshall\/status\/1927691362234687553?ref_src=twsrc%5Etfw\">May 28, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Les retomb\u00e9es potentielles sont donc concr\u00e8tes. Les bourses et <strong>wallets<\/strong> conformes peuvent se brancher sur des flux de paiement formalis\u00e9s, nouer des partenariats bancaires et capter la client\u00e8le entreprise.<\/p>\n<p>Une CBDC peut servir de <strong>collat\u00e9ral<\/strong> ou de couche de r\u00e8glement pour des produits de d\u00e9tail et des programmes publics. Et les projets de tokenisation d&rsquo;infrastructures peuvent faire \u00e9merger une classe d&rsquo;actifs locale, lisible par les investisseurs \u00e9trangers, tout en restant dans le droit national.<\/p>\n<h2>Questions ouvertes<\/h2>\n<p>Une blockchain peut-elle tenir la charge si les cas d&rsquo;usage s&rsquo;ouvrent au grand public, y compris en mode hors-ligne, avec des contraintes d&rsquo;acc\u00e8s r\u00e9seau en zone rurale ? La confidentialit\u00e9 des donn\u00e9es de paiement devra \u00eatre cadr\u00e9e pour \u00e9viter des <strong>fuites.<\/strong><\/p>\n<p>L&rsquo;adossement aux obligations d&rsquo;\u00c9tat est lisible, mais il expose la <strong>CBDC<\/strong> \u00e0 la perception du risque souverain.<\/p>\n<p>Le vrai test sera l&rsquo;ex\u00e9cution : d\u00e9livrer des licences sans cr\u00e9er d&rsquo;engorgement administratif, surveiller les pubs et les listings de tokens sans \u00e9touffer l&rsquo;innovation, et coordonner Banque centrale et r\u00e9gulateur des march\u00e9s sans angles morts entre conservation, produits d&rsquo;investissement et paiements.<\/p>\n<p>Enfin, l&rsquo;usage r\u00e9el tranchera. En Afrique, l&rsquo;adoption s&rsquo;est souvent <strong>construite<\/strong> sur la valeur d&rsquo;usage plus que sur l&rsquo;effet d&rsquo;annonce.<\/p>\n<p><a href=\"https:\/\/www.statista.com\/outlook\/fmo\/digital-assets\/cryptocurrencies\/africa\" target=\"_blank\" rel=\"\">Les donn\u00e9es de Statista<\/a> projettent plus de 75 millions d&rsquo;utilisateurs crypto d&rsquo;ici 2026 et plus de 5 milliards de dollars de revenus sur le continent.<\/p>\n<p>Pour convertir ces tendances en int\u00e9gration durable, <strong>il faudra donc des applications simples c\u00f4t\u00e9 grand public<\/strong>, des rails clairs pour les entreprises et des garde-fous compr\u00e9hensibles pour les banques.<\/p>\n<p>L&rsquo;Ouganda pose des briques avec une CBDC adoss\u00e9e \u00e0 des titres d&rsquo;\u00c9tat et une strat\u00e9gie de tokenisation. Le reste, comme toujours, d\u00e9pendra donc de l&rsquo;ex\u00e9cution, des co\u00fbts, et de la confiance que les utilisateurs placeront dans ces nouveaux rails.<\/p>\n<hr \/>\n<p>\u00c0 lire aussi :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/nigeria-stablecoins-repression-binance\/\">Le Nig\u00e9ria ouvre la voie aux stablecoins suite \u00e0 la r\u00e9pression contre Binance<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/emirats-arabes-unis-lutte-crypto-criminalite\/\">Les \u00c9mirats arabes unis renforcent la lutte contre la crypto-criminalit\u00e9 mondiale<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/emirats-whales-bitcoin\/\">Les \u00c9mirats r\u00e9v\u00e9l\u00e9s comme whales Bitcoin : plus de 700 M$ en BTC<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/crypto-etf-bitwise-21shares-staking-frais\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>En Ouganda, le gouvernement pilote une monnaie num\u00e9rique de banque centrale, version tokenis\u00e9e du shilling, \u00e9mise sur l&rsquo;infrastructure permissionn\u00e9e de Global Settlement Network et accessible depuis un smartphone.<\/p>\n","protected":false},"author":200,"featured_media":12876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-12870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ouganda : le pays lance sa propre monnaie num\u00e9rique<\/title>\n<meta name=\"description\" content=\"L\u2019Ouganda lance sa propre CBDC adoss\u00e9e \u00e0 des bons du Tr\u00e9sor, une 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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\/12870","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=12870"}],"version-history":[{"count":3,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/12870\/revisions"}],"predecessor-version":[{"id":12904,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/12870\/revisions\/12904"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media\/12876"}],"wp:attachment":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media?parent=12870"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/categories?post=12870"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/tags?post=12870"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}