{"id":15062,"date":"2025-10-29T14:36:04","date_gmt":"2025-10-29T14:36:04","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=15062"},"modified":"2025-10-29T14:36:04","modified_gmt":"2025-10-29T14:36:04","slug":"western-union-solana-stablecoin","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/western-union-solana-stablecoin\/","title":{"rendered":"Solana devient la blockchain du stablecoin de Western Union"},"content":{"rendered":"<h2>Pourquoi Solana, et pourquoi maintenant<\/h2>\n<p>Le management a compar\u00e9 plusieurs options avant de retenir Solana, jugeant la cha\u00eene \u00ab adapt\u00e9e \u00e0 une offre institutionnelle \u00bb pour des r\u00e8glements \u00e0 grande \u00e9chelle. D&rsquo;ailleurs, la promesse tient \u00e0 la combinaison d\u00e9bit\/co\u00fbt et \u00e0 la maturit\u00e9 de l&rsquo;\u00e9cosyst\u00e8me pour l&rsquo;\u00e9mission et le transfert de tokens.<\/p>\n<p>Western Union parle de \u00ab transparence accrue \u00bb et plus rapide que sur les rails bancaires traditionnels, tout en gardant un cadre de conformit\u00e9 identique \u00e0 ses <strong>produits existants<\/strong>.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">.<a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/WesternUnion?ref_src=twsrc%5Etfw\">@WesternUnion<\/a> USDPT and the Digital Asset Network, built on Solana.<\/p>\n<p>Changing how the world&#39;s money moves.<a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/FVobqBOUPA\">https:\/\/t.co\/FVobqBOUPA<\/a> <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/RlHvOC3E6Z\">pic.twitter.com\/RlHvOC3E6Z<\/a><\/p>\n<p>&mdash; Solana (@solana) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/solana\/status\/1983222673841775098?ref_src=twsrc%5Etfw\">October 28, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Dans la feuille de route, Anchorage Digital Bank joue le r\u00f4le d&rsquo;infrastructure r\u00e9glement\u00e9e pour l&rsquo;\u00e9mission et la garde.<\/p>\n<p>En outre, la soci\u00e9t\u00e9 \u00e9voque un r\u00e9seau capable de connecter des exchanges partenaires au front retail de Western Union, afin de r\u00e9duire les frictions entre d\u00e9p\u00f4t cash, conversion en <a href=\"https:\/\/www.coinspeaker.com\/fr\/tresorerie-us-stablecoins\/\">stablecoin<\/a> et retrait local.<\/p>\n<h2>USDPT et \u00ab Digital Asset Network \u00bb : ce qui arrive en 2026<\/h2>\n<p>USDPT sera un stablecoin libell\u00e9 en USD et list\u00e9 chez des partenaires pour maximiser l&rsquo;accessibilit\u00e9, \u00e0 l&rsquo;image du PYUSD de PayPal qui s&rsquo;est g\u00e9n\u00e9ralis\u00e9 sur les grandes plateformes.<\/p>\n<p>Effectivement, en parall\u00e8le, le Digital Asset Network doit servir d&rsquo;ossature de r\u00e8glement on-chain avec des sorties en cash dans les agences et r\u00e9seaux partenaires de Western Union.<\/p>\n<p>Le groupe pr\u00e9sente le projet comme une \u00e9volution naturelle de son c\u0153ur de m\u00e9tier, non comme un pari sp\u00e9culatif : raccourcir la fen\u00eatre de r\u00e8glement, am\u00e9liorer l&rsquo;efficacit\u00e9 capitalistique et baisser les <strong>co\u00fbts finaux<\/strong> pour l&rsquo;utilisateur.<\/p>\n<p>Sur le calendrier, la firme vise H1 2026 pour l&rsquo;ouverture grand public, apr\u00e8s des pilotes et des int\u00e9grations techniques avec les bourses partenaires.<\/p>\n<p>De plus, le choix de Solana s&rsquo;explique aussi par l&rsquo;outillage d\u00e9j\u00e0 disponible pour la tokenisation, la gestion de listes blanches et les contr\u00f4les de conformit\u00e9 c\u00f4t\u00e9 \u00e9metteur, des pr\u00e9requis dans un m\u00e9tier o\u00f9 l&rsquo;AML\/KYC est central.<\/p>\n<p>Reste \u00e0 voir comment sera articul\u00e9e la relation entre les comptes Western Union et les wallets externes pour concilier facilit\u00e9 d&rsquo;usage et <a href=\"https:\/\/www.coinspeaker.com\/fr\/solana-jupiter-jupusd-stablecoin\/\">tra\u00e7abilit\u00e9<\/a>.<\/p>\n<h2>Zelle, MoneyGram : le basculement s&rsquo;acc\u00e9l\u00e8re<\/h2>\n<p>Western Union n&rsquo;est pas seul \u00e0 bouger. Cependant, Zelle pr\u00e9pare l&rsquo;int\u00e9gration de stablecoins pour les flux transfrontaliers, pendant que MoneyGram d\u00e9ploie une app crypto en USDC pour l&rsquo;\u00e9pargne et les transferts quasi instantan\u00e9s.<\/p>\n<p>La tendance est port\u00e9e par une meilleure clart\u00e9 r\u00e9glementaire aux \u00c9tats-Unis et par l&rsquo;id\u00e9e que des rails on-chain r\u00e9duisent les d\u00e9lais et les frais tout en am\u00e9liorant l&rsquo;auditabilit\u00e9.<\/p>\n<p>En cons\u00e9quence, dans ce contexte, un stablecoin op\u00e9r\u00e9 avec une banque crypto agr\u00e9\u00e9e offre aux acteurs historiques un compromis entre <strong>innovation et conformit\u00e9<\/strong>.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Payments Processor Zelle to allow crypto stablecoins for international transactions. <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/GvKKLcSr5i\">pic.twitter.com\/GvKKLcSr5i<\/a><\/p>\n<p>&mdash; Watcher.Guru (@WatcherGuru) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/WatcherGuru\/status\/1982446286293852387?ref_src=twsrc%5Etfw\">October 26, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Pour Solana, l&rsquo;arriv\u00e9e d&rsquo;un \u00e9metteur grand public avec un r\u00e9seau mondial serait un catalyseur d&rsquo;usage. Ensuite, les flux de remittances sont un cas d&rsquo;usage o\u00f9 la vitesse et le co\u00fbt unitaire priment.<\/p>\n<p>Si l&rsquo;exp\u00e9rience client est suffisamment simple, l&rsquo;adoption peut d\u00e9passer le cercle crypto natif.<\/p>\n<p>D&rsquo;ailleurs, les pr\u00e9c\u00e9dents montrent que les lancements d&rsquo;offres fiat-on-chain par des g\u00e9ants du paiement peuvent d\u00e9placer rapidement les volumes, surtout lorsque l&rsquo;on combine on\/off-ramp locaux et <a href=\"https:\/\/www.coinspeaker.com\/fr\/stripe-tempo-5-milliards\/\">applications mobiles existantes<\/a>.<\/p>\n<h2>Les inconnues qui restent \u00e0 trancher<\/h2>\n<p>Deux questions domineront les prochains mois. N\u00e9anmoins, risque op\u00e9rationnel d&rsquo;abord : Solana a connu des \u00e9pisodes d&rsquo;instabilit\u00e9 par le pass\u00e9, m\u00eame si la disponibilit\u00e9 s&rsquo;est am\u00e9lior\u00e9e en 2024-2025.<\/p>\n<p>Un op\u00e9rateur de la taille de Western Union devra disposer de fallbacks clairs pour garantir la continuit\u00e9 de service.<\/p>\n<p>Toutefois, design de conformit\u00e9 ensuite : entre wallets non custodiaux, listes de sanctions, contr\u00f4les d&rsquo;origine des fonds et exigences locales, l&rsquo;impl\u00e9mentation d\u00e9terminera l&rsquo;ampleur r\u00e9elle des <strong>gains de productivit\u00e9<\/strong>.<\/p>\n<p>Dernier enjeu, la p\u00e9dagogie. Western Union parle de \u00ab plus de choix et de contr\u00f4le \u00bb pour les clients, en particulier dans les pays \u00e0 haute inflation, mais le b\u00e9n\u00e9fice ne sera tangible que si la conversion est fluide, les frais lisibles et l&rsquo;exp\u00e9rience identique \u00e0 celle d&rsquo;un transfert traditionnel.<\/p>\n<hr \/>\n<p>\u00c0 lire aussi :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/solana-jupiter-jupusd-stablecoin\/\">Solana s&#8217;emballe : Jupiter lance JupUSD, son propre stablecoin<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/tresorerie-us-stablecoins\/\">Tr\u00e9sorerie US : les stablecoins, cl\u00e9 pour \u00e9largir l&rsquo;acc\u00e8s mondial au dollar<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/solana-xrp-quelle-crypto\/\">Solana, XRP, quelle crypto pour dynamiser votre portefeuille ?<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/asic-australie-regulation-crypto\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>Western Union a tranch\u00e9 : son futur r\u00e9seau de r\u00e8glements en crypto s&rsquo;appuiera sur Solana. Le groupe pr\u00e9pare un stablecoin dollar, USDPT, et un Digital Asset Network op\u00e9r\u00e9s avec Anchorage Digital Bank.<\/p>\n","protected":false},"author":200,"featured_media":15067,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-15062","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>Solana devient la blockchain du stablecoin de Western Union<\/title>\n<meta name=\"description\" content=\"Western Union utilisera Solana pour son futur stablecoin USDPT et son r\u00e9seau Digital Asset Network, attendu pour le premier semestre 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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Roux","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.coinspeaker.com\/fr\/#\/schema\/person\/image\/","url":"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/06\/cropped-pp-1-96x96.png","contentUrl":"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/06\/cropped-pp-1-96x96.png","caption":"Emmanuel Roux"},"description":"Issu de la finance traditionnelle, j\u2019ai naturellement bascul\u00e9 vers l\u2019univers crypto, attir\u00e9 par son potentiel. 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\/15062","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=15062"}],"version-history":[{"count":3,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/15062\/revisions"}],"predecessor-version":[{"id":15085,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/15062\/revisions\/15085"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media\/15067"}],"wp:attachment":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media?parent=15062"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/categories?post=15062"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/tags?post=15062"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}