{"id":1563,"date":"2025-06-30T09:00:09","date_gmt":"2025-06-30T09:00:09","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=1563"},"modified":"2025-06-30T13:25:25","modified_gmt":"2025-06-30T13:25:25","slug":"stablecoins-epine-dorsale-paiements","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/stablecoins-epine-dorsale-paiements\/","title":{"rendered":"Stablecoins : \u00e9pine dorsale des paiements sur Internet"},"content":{"rendered":"<h2>Des portefeuilles \u00e9lectroniques int\u00e8grent les stablecoins<\/h2>\n<p>Des entreprises telles que PayPal et Stripe int\u00e8grent les stablecoins afin de <strong>tirer parti de l&rsquo;infrastructure en cha\u00eene<\/strong>. Ainsi, cela permet des transactions plus rapides et moins co\u00fbteuses. Les stablecoins ont d\u00e9j\u00e0 d\u00e9pass\u00e9 Visa et Mastercard de 7 % en termes de volume en cha\u00eene et c\u2019est changement d\u00e9cisif dans la mani\u00e8re dont l&rsquo;argent circule en ligne.<\/p>\n<p>Alchemy, qui fournit l&rsquo;infrastructure \u00e0 certains des <strong>plus grands \u00e9cosyst\u00e8mes de stablecoins<\/strong>, est au c\u0153ur de cette transformation. Cette plateforme est le fournisseur en cha\u00eene de <a rel=\"noopener noreferrer\" href=\"https:\/\/robinhood.com\/us\/en\/support\/articles\/robinhood-wallet\/\" target=\"_blank\">Robinhood Wallet<\/a>. Elle alimente les flux de stablecoins pour des g\u00e9ants de la fintech tels que Visa, Stripe, Circle et PayPal.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"zxx\" dir=\"ltr\"><a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/x05K2TGQZA\">https:\/\/t.co\/x05K2TGQZA<\/a><\/p>\n<p>&mdash; Stripe (@stripe) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/stripe\/status\/1920167532499210538?ref_src=twsrc%5Etfw\">May 7, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<h2>Les stablecoins simplifient-ils les choses ?<\/h2>\n<p>Les <strong>transferts de fonds transfrontaliers<\/strong> montrent l&rsquo;impact le plus \u00e9vident. Les syst\u00e8mes conventionnels saignent \u00e0 blanc les exp\u00e9diteurs avec des <strong>frais de 4 \u00e0 10 %<\/strong>, voire plus dans les r\u00e9gions rurales. Les stablecoins r\u00e9duisent ces frais \u00e0 1-3 %, laissant ainsi plus d&rsquo;argent aux familles qui en ont besoin.<\/p>\n<p>Les \u00e9conomies en d\u00e9veloppement en ressentent le plus les effets. Les <strong>m\u00e9nages non bancaris\u00e9s<\/strong> peuvent recevoir des fonds directement sur leurs portefeuilles mobiles. De ce fait, ils contournent les banques qui n&rsquo;existent pas ou ne fonctionnent pas.<\/p>\n<p>Des plateformes telles qu&rsquo;<a rel=\"noopener noreferrer\" href=\"https:\/\/onafriq.com\/\" target=\"_blank\">Onafriq<\/a> relient d\u00e9j\u00e0 500 millions de portefeuilles et de comptes bancaires sur <strong>40 march\u00e9s africains<\/strong>.<\/p>\n<p>Les <strong>stablecoins programmable<\/strong>s permettent aux entreprises d&rsquo;int\u00e9grer directement la logique de paiement dans les transactions sans interm\u00e9diaire. Donc, c\u2019est souvent moins co\u00fbteux que d&rsquo;utiliser les canaux traditionnels. De plus, de nombreux nouveaux cas d&rsquo;utilisation se d\u00e9veloppent tr\u00e8s rapidement.<\/p>\n<p>Par exemple, les micropaiements pour les contenus num\u00e9riques, la <strong>facturation r\u00e9currente automatis\u00e9e<\/strong> via des contrats intelligents sont d\u00e9sormais possibles. Le r\u00e8glement en temps r\u00e9el des transactions \u00e0 haute fr\u00e9quence est aussi possible. Pour l&rsquo;instant, ce n&rsquo;est que la partie \u00e9merg\u00e9e de l&rsquo;iceberg.<\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/OpBGgntJqtM?si=OU963grEokhiMycc\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2>L&rsquo;int\u00e9r\u00eat pour les stablecoins augmente avec les nouvelles r\u00e9glementations<\/h2>\n<p>R\u00e9cemment, le S\u00e9nat am\u00e9ricain a adopt\u00e9 le\u00a0 <a href=\"https:\/\/www.coinspeaker.com\/fr\/ethereum-croissance-acceleree-du-reseau\/\">GENIUS Act<\/a>. C\u2019est un projet de loi historique \u00e9tablissant des <strong>garde-fous f\u00e9d\u00e9raux<\/strong> pour les stablecoins.<\/p>\n<p>Avec l&rsquo;adoption r\u00e9cente du Genius Act, le paysage r\u00e9glementaire devient plus clair et <strong>plus structur\u00e9<\/strong>, ce qui profite aux acteurs financiers \u00e9tablis tout en encourageant l&rsquo;innovation.<\/p>\n<p>Les principaux obstacles techniques \u00e0 l&rsquo;am\u00e9lioration de l&rsquo;exp\u00e9rience des d\u00e9veloppeurs et des utilisateurs finaux, <strong>malgr\u00e9 une forte croissance<\/strong>.<\/p>\n<p>Les entreprises tirent un immense profit de <strong>l&rsquo;adoption des rails cryptographiques<\/strong>, mais souhaitent dissocier l&rsquo;exp\u00e9rience utilisateur de la technologie sous-jacente, ce qui n\u00e9cessite une expertise technique approfondie.<\/p>\n<p>\u00c0 l&rsquo;avenir, la plupart des services financiers vont \u00e9ventuellement d\u00e9ployer leurs propres blockchains. Cela se fera en particulier sur des r\u00e9seaux de couche 2, afin de mieux faire <strong>\u00e9voluer et mon\u00e9tiser leurs \u00e9cosyst\u00e8mes<\/strong>.<\/p>\n<p>Par ailleurs, des am\u00e9liorations apport\u00e9es aux infrastructures favoriseraient une<strong> interop\u00e9rabilit\u00e9 inter-cha\u00eenes transparente entre ces r\u00e9seaux<\/strong>, permettant ainsi la mise en place d&rsquo;un syst\u00e8me financier plus connect\u00e9 et plus efficace bas\u00e9 sur les stablecoins.<\/p>\n<hr \/>\n<p><b>Source<\/b> :\u00a0 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.ainvest.com\/news\/stablecoins-surpass-visa-mastercard-onchain-volume-7-2506-9\/\" target=\"_blank\">AInvest<\/a><\/p>\n<p><b>\u00c0 lire aussi :<\/b><\/p>\n<ul>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/pi-network-sous-pression-pi-day-2\/\">Pi Network : un week-end sous pression malgr\u00e9 Pi Day 2<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/btc-bull-10x-au-lancement\/\">BTC Bull : potentiel 10x au lancement ?<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/pi-network-sous-pression-pi-day-2\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>Les stablecoins sont devenus l\u2019\u00e9pine dorsale des paiements sur Internet, d\u00e9passant d\u00e9sormais celle des principaux r\u00e9seaux de cartes traditionnels.<\/p>\n<p>Ces types de jetons les surpassent en termes de volume sur la cha\u00eene.<\/p>\n","protected":false},"author":220,"featured_media":1566,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,36],"tags":[],"class_list":["post-1563","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu","category-altcoins"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - 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