{"id":15343,"date":"2025-10-31T14:30:18","date_gmt":"2025-10-31T14:30:18","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=15343"},"modified":"2025-10-31T13:31:23","modified_gmt":"2025-10-31T13:31:23","slug":"western-union-stablecoin-wuusd","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/western-union-stablecoin-wuusd\/","title":{"rendered":"Western Union pr\u00e9pare son stablecoin WUUSD"},"content":{"rendered":"<h2>Un d\u00e9p\u00f4t de marque qui d\u00e9passe le simple stablecoin<\/h2>\n<p>Ce qui ressort du d\u00e9p\u00f4t, c&rsquo;est l&rsquo;ampleur. En effet, <a href=\"https:\/\/www.coinspeaker.com\/fr\/solana-jupiter-jupusd-stablecoin\/\">WUUSD<\/a> pourrait servir de moyen de paiement, de jeton \u00e9changeable et d&rsquo;actif g\u00e9r\u00e9.<\/p>\n<p>C&rsquo;est la brique manquante pour que Western Union puisse faire transiter des dollars num\u00e9riques dans son r\u00e9seau sans d\u00e9pendre d&rsquo;un acteur tiers. Cette approche verticalement int\u00e9gr\u00e9e renforce consid\u00e9rablement la position concurrentielle de l&rsquo;entreprise.<\/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>Le calendrier est coh\u00e9rent avec ce qu&rsquo;ils ont d\u00e9j\u00e0 annonc\u00e9 : stablecoin dollar disponible dans la premi\u00e8re moiti\u00e9 de 2026, d\u00e9ploy\u00e9 sur Solana, avec un partenaire bancaire r\u00e9gul\u00e9 pour l&rsquo;\u00e9mission.<\/p>\n<p>Toutefois, le d\u00e9p\u00f4t WUUSD arrive juste derri\u00e8re, comme pour s&rsquo;assurer que le nom et l&rsquo;usage sont verrouill\u00e9s avant que le service existe vraiment.<\/p>\n<h2>WUUSD ou USDPT, il faudra clarifier<\/h2>\n<p>Un point intrigue : l&rsquo;entreprise a d\u00e9j\u00e0 communiqu\u00e9 sur un \u00ab\u00a0U.S. Dollar Payment Token\u00a0\u00bb (USDPT), et elle d\u00e9pose maintenant WUUSD. Deux appellations pour un seul produit ?<\/p>\n<p>Il est possible que USDPT d\u00e9signe le jeton r\u00e9glement\u00e9, \u00e9mis par le partenaire bancaire, et que WUUSD soit la couche de marque destin\u00e9e au grand public, celle qu&rsquo;on affiche dans l&rsquo;app ou sur les terminaux.<\/p>\n<p>Par ailleurs, il est aussi possible que WUUSD serve de ticker interne quand le <a href=\"https:\/\/www.coinspeaker.com\/fr\/stablecoins-arme-geants-paiement\/\">stablecoin<\/a> circule dans l&rsquo;\u00e9cosyst\u00e8me Western Union, tandis que USDPT reste le nom utilis\u00e9 sur les exchanges.<\/p>\n<p>Tant qu&rsquo;ils n&rsquo;ont pas expliqu\u00e9 la diff\u00e9rence, on doit consid\u00e9rer que la soci\u00e9t\u00e9 se r\u00e9serve le droit d&rsquo;avoir deux fa\u00e7ades pour le m\u00eame actif. Effectivement, c&rsquo;est une mani\u00e8re de garder la flexibilit\u00e9 produit tout en prot\u00e9geant la marque.<\/p>\n<h2>Un r\u00e9seau d&rsquo;actifs num\u00e9riques en pr\u00e9paration<\/h2>\n<p>L&rsquo;autre pi\u00e8ce du puzzle, c&rsquo;est le \u00ab\u00a0Digital Asset Network\u00a0\u00bb annonc\u00e9 avec le stablecoin. En somme, l&rsquo;id\u00e9e est de ne pas faire qu&rsquo;un token, mais de construire le rail qui permet de sortir en cash dans les pays o\u00f9 Western Union est d\u00e9j\u00e0 implant\u00e9e.<\/p>\n<p>Techniquement, \u00e7a veut dire que l&rsquo;utilisateur pourrait recevoir du WUUSD ou du USDPT sur Solana, puis le convertir en argent local via le r\u00e9seau d&rsquo;agents. De plus, c&rsquo;est une fonctionnalit\u00e9 que beaucoup de stablecoins promettent, mais que peu peuvent livrer parce qu&rsquo;il leur manque la derni\u00e8re \u00e9tape physique.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Anchorage Digital Bank will mint and redeem Western Union&#39;s forthcoming USDPT stablecoin under U.S. federal oversight. <\/p>\n<p>Built on <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/solana?ref_src=twsrc%5Etfw\">@solana<\/a>, USDPT will be integrated into <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/WesternUnion?ref_src=twsrc%5Etfw\">@WesternUnion<\/a>\u2019s network across more than 150 countries. <\/p>\n<p>Read the announcement \ud83d\udc49 <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/Hg4LfB6qCG\">https:\/\/t.co\/Hg4LfB6qCG<\/a><\/p>\n<p>&mdash; Anchorage Digital (@Anchorage) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/Anchorage\/status\/1983963061389291834?ref_src=twsrc%5Etfw\">October 30, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Le fait d&rsquo;associer un acteur bancaire sp\u00e9cialis\u00e9 dans la garde d&rsquo;actifs num\u00e9riques montre que Western Union veut rester dans le cadre r\u00e9glementaire am\u00e9ricain, celui qui s&rsquo;est consolid\u00e9 avec la loi sur les <a href=\"https:\/\/www.coinspeaker.com\/fr\/stablecoins-devenir-mode-etats-unis\/\">stablecoins<\/a> vot\u00e9e cet \u00e9t\u00e9.<\/p>\n<h2>Une r\u00e9ponse tr\u00e8s directe aux autres paiements<\/h2>\n<p>On ne peut pas lire ce d\u00e9p\u00f4t sans penser \u00e0 ce qu&rsquo;ont d\u00e9j\u00e0 lanc\u00e9 PayPal, MoneyGram ou certaines n\u00e9obanques.<\/p>\n<p>N\u00e9anmoins, tous ont d\u00e9couvert la m\u00eame chose : quand on g\u00e8re d\u00e9j\u00e0 les flux de particuliers vers l&rsquo;international, utiliser un stablecoin co\u00fbte moins cher que d&#8217;empiler des correspondants bancaires.<\/p>\n<p>Western Union, de son c\u00f4t\u00e9, avait un handicap d&rsquo;image sur la crypto. En brandant son propre jeton WUUSD et en l&rsquo;adossant \u00e0 un r\u00e9seau off-ramp maison, elle se replace tout de suite au m\u00eame niveau que les acteurs plus jeunes.<\/p>\n<p>Pour ses 100 millions de clients, c&rsquo;est plus simple de faire confiance \u00e0 une marque qu&rsquo;ils utilisent d\u00e9j\u00e0 plut\u00f4t qu&rsquo;\u00e0 un stablecoin inconnu. Effectivement, cette familiarit\u00e9 avec la marque constitue un avantage comp\u00e9titif consid\u00e9rable sur le march\u00e9 des <a href=\"https:\/\/www.coinspeaker.com\/fr\/stablecoins-epine-dorsale-paiements\/\">paiements num\u00e9riques<\/a>.<\/p>\n<p>S&rsquo;ils maintiennent deux d\u00e9nominations, c&rsquo;est qu&rsquo;ils veulent op\u00e9rer \u00e0 la fois sur le terrain tr\u00e8s r\u00e9gul\u00e9 des transferts internationaux et sur un terrain plus ouvert de services crypto.<\/p>\n<p>Par ailleurs, dans les deux cas, le signal est le m\u00eame : les acteurs historiques ne regardent plus la blockchain de loin, ils montent dessus.<\/p>\n<hr \/>\n<p><strong>\u00c0 lire aussi :<\/strong><\/p>\n<ul>\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\/genius-act-fin-des-abus-bancaires\/\">Genius Act : bient\u00f4t la fin des abus bancaires gr\u00e2ce \u00e0 la crypto ?<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/stripe-tempo-5-milliards\/\">Stripe frappe fort : sa blockchain Tempo vaut d\u00e9j\u00e0 5 milliards $<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/altseason-novembre-analyse-marche\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>Le vieux g\u00e9ant du transfert d&rsquo;argent ne veut pas laisser le terrain aux fintechs crypto. En effet, apr\u00e8s avoir annonc\u00e9 un jeton dollar adoss\u00e9 \u00e0 Solana pour 2026, Western Union a d\u00e9pos\u00e9 la marque \u00ab\u00a0WUUSD\u00a0\u00bb aupr\u00e8s de l&rsquo;office am\u00e9ricain.<\/p>\n","protected":false},"author":200,"featured_media":15344,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-15343","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 pr\u00e9pare son stablecoin WUUSD<\/title>\n<meta name=\"description\" content=\"Western Union pr\u00e9pare un stablecoin baptis\u00e9 WUUSD pour ses transferts internationaux, marquant une entr\u00e9e historique dans la crypto.\" \/>\n<meta name=\"robots\" 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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\/15343","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=15343"}],"version-history":[{"count":3,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/15343\/revisions"}],"predecessor-version":[{"id":15368,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/15343\/revisions\/15368"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media\/15344"}],"wp:attachment":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media?parent=15343"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/categories?post=15343"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/tags?post=15343"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}