{"id":14732,"date":"2025-10-27T11:40:31","date_gmt":"2025-10-27T11:40:31","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=14732"},"modified":"2025-10-27T11:40:31","modified_gmt":"2025-10-27T11:40:31","slug":"western-union-stablecoins-transferts","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/western-union-stablecoins-transferts\/","title":{"rendered":"Western Union veut r\u00e9duire les frais gr\u00e2ce aux stablecoins"},"content":{"rendered":"<h2>Des virements qui co\u00fbtent moins cher<\/h2>\n<p>Selon le PDG Devin McGranahan, le pilote vise \u00e0 utiliser des rails onchain pour raccourcir les fen\u00eatres de r\u00e8glement et am\u00e9liorer l&rsquo;efficacit\u00e9 du capital, sans sacrifier conformit\u00e9 ni confiance.<\/p>\n<p>Dit autrement, <a href=\"https:\/\/www.westernunion.com\/fr\/fr\/home.html\" target=\"_blank\" rel=\"\">Western Union<\/a> veut remplacer une partie des messages bancaires et de la tr\u00e9sorerie qui dort par un stablecoin qui r\u00e8gle quasi en temps r\u00e9el.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">\ud83d\udea8BREAKING: Western Union is piloting stablecoin transfers, giving their customers more choice and control over their money. <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/l6nVzFk5Bk\">pic.twitter.com\/l6nVzFk5Bk<\/a><\/p>\n<p>&mdash; Coin Bureau (@coinbureau) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/coinbureau\/status\/1982678809884438697?ref_src=twsrc%5Etfw\">October 27, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>L&rsquo;enjeu est massif quand on traite environ 70 millions d&rsquo;envois par trimestre.<\/p>\n<p>La firme testait d\u00e9j\u00e0 des cas d&rsquo;usage en Afrique et en Am\u00e9rique du Sud cet \u00e9t\u00e9, avec des m\u00e9triques tr\u00e8s concr\u00e8tes suivies en interne comme la r\u00e9duction du spread FX, le time-to-cash et les \u00e9conomies par transaction face au r\u00e9seau maison WUNet.<\/p>\n<h2>Sous le capot : rails onchain, KYC, et fen\u00eatres de r\u00e8glement<\/h2>\n<p>Ce basculement ne transforme pas Western Union en DEX. Il s&rsquo;agit de r\u00e8glements back-end avec les contr\u00f4les KYC habituels c\u00f4t\u00e9 front.<\/p>\n<p>Le b\u00e9n\u00e9fice attendu se joue ailleurs : moins d&rsquo;immobilisation de cash dans les comptes de correspondants, des r\u00e8glements plus fr\u00e9quents, une visibilit\u00e9 plus fine sur la liquidit\u00e9. Les \u00e9quipes parlent de gains de vitesse et de transparence, point cl\u00e9s pour des corridors \u00e0 friction \u00e9lev\u00e9e.<\/p>\n<p>Reste la technique : choix du stablecoin, int\u00e9gration des wallets d&rsquo;entreprise, gestion du risque \u00e9metteur et de l&rsquo;oracle FX&#8230; Sur ces points, Western Union n&rsquo;a pas encore d\u00e9taill\u00e9, ce qui est logique \u00e0 ce stade pilote.<\/p>\n<p>C\u00f4t\u00e9 march\u00e9, le timing colle. La part des <a href=\"https:\/\/www.coinspeaker.com\/fr\/stablecoins-epine-dorsale-paiements\/\">stablecoins dans la finance crypto<\/a> grossit et les projections de Standard Chartered voient l&rsquo;\u00e9cosyst\u00e8me grimper vers <strong>2 000 milliards de dollars<\/strong> d&rsquo;ici 2028 si l&rsquo;industrialisation continue.<\/p>\n<p>Si cet horizon se confirme, l&rsquo;avantage ira aux acteurs capables de brancher des rails onchain \u00e0 des r\u00e9seaux clients existants, pas seulement aux \u00e9metteurs de coins.<\/p>\n<h2>La concurrence s&rsquo;active<\/h2>\n<p>Western Union n&rsquo;\u00e9volue pas seul. Zelle pr\u00e9pare l&rsquo;int\u00e9gration de stablecoins pour des flux transfrontaliers, pendant que MoneyGram d\u00e9roule une app crypto en Colombie avec \u00e9pargne et transferts en USDC.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">How <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/MoneyGram?ref_src=twsrc%5Etfw\">@MoneyGram<\/a> is rewriting remittances with stablecoins \ud83d\udc47<\/p>\n<p>The Old Way (Sending $100 to Colombia):<\/p>\n<p>1. Sender pays MoneyGram in fiat.<br \/>2. MoneyGram network enables fiat pickup.<br \/>3. $100 converts to COP at pickup.<\/p>\n<p>\ud83d\udcb8 Funds move through traditional banking rails, a slow and\u2026 <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/D1RYnZ5kPX\">pic.twitter.com\/D1RYnZ5kPX<\/a><\/p>\n<p>&mdash; Crossmint (@crossmint) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/crossmint\/status\/1973777659692827018?ref_src=twsrc%5Etfw\">October 2, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Cela met la pression sur les d\u00e9lais et sur les frais, exactement l\u00e0 o\u00f9 WU promet des gains. Pour l&rsquo;utilisateur, ces annonces veulent dire plus d&rsquo;options \u00e0 l&rsquo;envoi et \u00e0 la r\u00e9ception.<\/p>\n<p>Pour les acteurs, elles imposent des rails multicha\u00eenes, des contr\u00f4les anti-phishing c\u00f4t\u00e9 wallets, et une mesure stricte du co\u00fbt total livr\u00e9. Les prochains mois diront quels corridors passent du pilote \u00e0 la prod et sur quel mix de stablecoins.<\/p>\n<h2>Ce que cela change<\/h2>\n<p>Un transfert international est une addition de micro-frictions : taux, d\u00e9lais, cut-off, inventaire de tr\u00e9sorerie. En branchant un stablecoin au c\u0153ur du r\u00e8glement, Western Union cherche \u00e0 couper dans ces frictions.<\/p>\n<p>Concr\u00e8tement, cela peut signifier moins d&rsquo;attente avant retrait, des frais qui respirent davantage, et des parcours plus lisibles dans des pays o\u00f9 l&rsquo;inflation ronge la valeur d&rsquo;un salaire en quelques semaines. Le pilote ne garantira pas d&#8217;embl\u00e9e des \u00e9conomies partout.<\/p>\n<p>Il testera, par couloirs, ce qui marche vraiment et ce qui reste \u00e0 optimiser. Notamment la tenue du peg, la qualit\u00e9 des oracles et la disponibilit\u00e9 des cash-out locaux<\/p>\n<p>Dans cette bataille, l&rsquo;effet r\u00e9seau comptera autant que la techno. Les acteurs avec une distribution massive et des contr\u00f4les conformit\u00e9 solides partiront avec une longueur d&rsquo;avance.<\/p>\n<p>Les autres devront redoubler d&rsquo;inventivit\u00e9 pour offrir la m\u00eame simplicit\u00e9 au dernier kilom\u00e8tre. Une chose est s\u00fbre : quand des g\u00e9ants de la remise comme <a href=\"https:\/\/www.coinspeaker.com\/fr\/tresorerie-us-stablecoins\/\">Western Union bougent leurs rails<\/a>, le march\u00e9 suit.<\/p>\n<p>Et le gagnant, si le pari tient ses promesses, sera celui qui vous fera passer de \u00ab\u00a0revenez demain\u00a0\u00bb \u00e0 \u00ab\u00a0c&rsquo;est r\u00e9gl\u00e9\u00a0\u00bb plus souvent, pour moins cher. La <a href=\"https:\/\/www.coinspeaker.com\/fr\/la-fed-sallie-aux-acteurs-crypto-pour-repenser-linnovation-dans-les-paiements\/\">FED elle-m\u00eame s&rsquo;allie aux acteurs crypto<\/a> pour repenser l&rsquo;innovation dans les paiements. Confirmant que les stablecoins deviennent un outil incontournable pour moderniser le syst\u00e8me financier mondial.<\/p>\n<hr \/>\n<p>\u00c0 lire aussi :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/stablecoins-arme-geants-paiement\/\">Stablecoins : la nouvelle arme des g\u00e9ants du paiement ?<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/stablecoins-banques\/\">Adoption massive des stablecoins : les banques traditionnelles r\u00e9agissent<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/leuro-contre-le-dollar-la-riposte-stablecoin-francaise\/\">L&rsquo;euro contre le dollar : la riposte stablecoin fran\u00e7aise<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/quand-entreprises-difficulte-tournent-vers-cryptomonnaies-opportunite-mirage\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>Le g\u00e9ant du transfert d&rsquo;argent va tester des r\u00e8glements en stablecoin afin de r\u00e9duire sa d\u00e9pendance, acc\u00e9l\u00e9rer les d\u00e9lais et baisser les co\u00fbts pour plus de 150 millions de clients.\u00a0<\/p>\n","protected":false},"author":200,"featured_media":14739,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-14732","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>Western Union veut r\u00e9duire les frais gr\u00e2ce aux stablecoins<\/title>\n<meta name=\"description\" content=\"Western Union lance un test de transferts en stablecoins pour r\u00e9duire les co\u00fbts et acc\u00e9l\u00e9rer les paiements, sans sacrifier la conformit\u00e9.\" \/>\n<meta name=\"robots\" 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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\/14732","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=14732"}],"version-history":[{"count":3,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/14732\/revisions"}],"predecessor-version":[{"id":14761,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/14732\/revisions\/14761"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media\/14739"}],"wp:attachment":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media?parent=14732"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/categories?post=14732"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/tags?post=14732"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}