{"id":16106,"date":"2025-11-06T08:30:38","date_gmt":"2025-11-06T08:30:38","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=16106"},"modified":"2025-11-06T08:20:38","modified_gmt":"2025-11-06T08:20:38","slug":"mastercard-gemini-ripple-paiements-rlusd","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/mastercard-gemini-ripple-paiements-rlusd\/","title":{"rendered":"Mastercard et Gemini testent les paiements crypto via RLUSD avec Ripple"},"content":{"rendered":"<h2>Une alliance in\u00e9dite entre finance et blockchain<\/h2>\n<p>C\u2019est une collaboration plut\u00f4t rare : d\u2019un c\u00f4t\u00e9, <strong>Mastercard<\/strong>, g\u00e9ant mondial des paiements, et de l\u2019autre, <strong>Gemini et Ripple<\/strong>, deux acteurs bien connus du monde crypto. Chacun apporte son savoir-faire. En effet, Mastercard trouve enfin <strong>les partenaires id\u00e9aux<\/strong> pour son plan stablecoin. Le g\u00e9ant de paiement a pr\u00e9vu auparavant de racheter des leaders du secteur comme <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/coinbase-mastercard-bvnk\/\">BVNK<\/a> <\/strong>et <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/mastercard-vise-zero-hash-le-pari-stablecoin-a-2-milliards\/\">ZeroHash<\/a><\/strong>.<\/p>\n<p>Pour lancer le test, le g\u00e9ant met \u00e0 disposition <strong>son immense r\u00e9seau<\/strong> de paiement mondial. Gemini, avec WebBank (l\u2019\u00e9metteur de ses cartes), s\u2019occupe de la <strong>partie bancaire<\/strong>, soit conversion entre fiat et crypto. Et Ripple, bien s\u00fbr, fournit la <strong>technologie blockchain<\/strong> avec le XRP Ledger et son stablecoin RLUSD.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Ripple Swell: We\u2019re collaborating with <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/Mastercard?ref_src=twsrc%5Etfw\">@Mastercard<\/a>, WebBank, and <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/Gemini?ref_src=twsrc%5Etfw\">@Gemini<\/a> to introduce <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/search?q=%24RLUSD&amp;src=ctag&amp;ref_src=twsrc%5Etfw\">$RLUSD<\/a> settlement on the XRP Ledger for fiat credit card payments, starting with the Gemini XRP Credit Card: <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/36yoNBtM9f\">https:\/\/t.co\/36yoNBtM9f<\/a><\/p>\n<p>This initiative sets a new benchmark for institutional\u2026 <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/7UVhCTfuo0\">pic.twitter.com\/7UVhCTfuo0<\/a><\/p>\n<p>&mdash; Ripple (@Ripple) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/Ripple\/status\/1986117183580049546?ref_src=twsrc%5Etfw\">November 5, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Leur objectif est clair : proposer<strong> les r\u00e8glements instantan\u00e9s par carte<\/strong>. Et le choix du <a href=\"https:\/\/xrpl.org\/\" target=\"_blank\" rel=\"\"><strong>XRP Ledger<\/strong><\/a> n\u2019est pas un hasard. Ce r\u00e9seau est reconnu pour sa rapidit\u00e9, avec 1 500 transactions par seconde, et pour ses frais tr\u00e8s faibles. Gr\u00e2ce \u00e0 la blockchain, le d\u00e9lai bancaire actuel de plusieurs jours pourrait <strong>passer \u00e0 quelques secondes<\/strong> seulement.<\/p>\n<p>Le test servira \u00e0 voir si le <strong>RLUSD tient la route<\/strong> pour des paiements instantan\u00e9s entre plusieurs acteurs, dont les banques de Mastercard. Si tout se passait bien, il pourrait ensuite \u00eatre utilis\u00e9 dans<strong> d\u2019autres services financiers<\/strong>, voire pour des transferts d\u2019argent entre entreprises.<\/p>\n<h2>Le test, en pratique : comment \u00e7a marche ?<\/h2>\n<p>Le principe est assez simple, m\u00eame si tout <strong>se passe en coulisses<\/strong>. Lorsqu\u2019un client paie avec la carte Gemini, le r\u00e8glement ne passe plus par les circuits bancaires classiques. \u00c0 la place, la transaction est trait\u00e9e sur <strong>le XRP Ledger<\/strong> en utilisant le stablecoin RLUSD.<\/p>\n<p>Autrement dit, le stablecoin RLUSD, aussi appel\u00e9 \u201c<a href=\"https:\/\/ripple.com\/solutions\/stablecoin\/?qgad=611959309646&amp;qgterm=ripple%20usd&amp;c1=GAW_SE_NW&amp;source=INTL_BRND&amp;cr2=search__-__intl__-__brand&amp;kw=ripple_usd_exm&amp;cr5=611959309646&amp;cr7=c&amp;utm_source=google&amp;utm_medium=paid_search&amp;utm_campaign=central_branded_search&amp;utm_term=ripple_usd_exm&amp;utm_content=INTL&amp;gad_source=1&amp;gad_campaignid=11227579142&amp;gbraid=0AAAAADRLBr-4AfkF-LzA4Vtqc1m4k6rAt&amp;gclid=Cj0KCQiAq7HIBhDoARIsAOATDxDOj3kptTOUB4AoGsCaS4h0_YsxaSl6i9DQyd64-gAz4PwDHPtc1-caAnJ7EALw_wcB\" target=\"_blank\" rel=\"\"><strong>Ripple USD<\/strong><\/a>\u201d, est au c\u0153ur de ce test. Contrairement aux cryptos volatiles comme le Bitcoin, il est <strong>adoss\u00e9 \u00e0 1:1 au dollar<\/strong> am\u00e9ricain, garantissant stabilit\u00e9 et pr\u00e9visibilit\u00e9. Ripple le d\u00e9crit comme une brique essentielle pour b\u00e2tir un syst\u00e8me de paiement \u201ccrypto-friendly\u201d utilisable \u00e0 grande \u00e9chelle.<\/p>\n<p>Ce projet, c&rsquo;est comme <strong>une mise \u00e0 jour secr\u00e8te<\/strong> de votre carte bancaire. Vous payez toujours normalement, et votre commer\u00e7ant re\u00e7oit toujours des euros ou des dollars. La seule diff\u00e9rence, c&rsquo;est qu&rsquo;en coulisses, une technologie super rapide et s\u00e9curis\u00e9e g\u00e8re tout, rendant la transaction plus efficace, comme indique <strong>Monica Long<\/strong>, pr\u00e9sidente de Ripple.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">2\/ Today, we also announced that we\u2019re collaborating with Mastercard, WebBank, and Gemini to use RLUSD on the XRP Ledger to settle fiat credit card transactions onchain. This will mark one of the first instances of a regulated U.S. bank settling traditional card transactions\u2026<\/p>\n<p>&mdash; Monica Long (@MonicaLongSF) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/MonicaLongSF\/status\/1986140960347078994?ref_src=twsrc%5Etfw\">November 5, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<h2>Vers un pont entre crypto et finance traditionnel<\/h2>\n<p>Bien s\u00fbr, le projet n\u2019en est qu\u2019\u00e0<strong> sa phase de test<\/strong>. Le d\u00e9ploiement \u00e0 grande \u00e9chelle est pr\u00e9vu dans les mois \u00e0 venir, sous r\u00e9serve d\u2019un <strong>feu vert des r\u00e9gulateurs<\/strong>. Un autre d\u00e9fi se profile : assurer assez de liquidit\u00e9 en RLUSD pour que les paiements restent rapides et sans accroc.<\/p>\n<p>Ce partenariat marque <strong>un vrai tournant<\/strong>. On voit enfin le monde de la finance traditionnelle et celui de la blockchain avancer main dans la main. De son c\u00f4t\u00e9, Mastercard, d\u00e9j\u00e0 tr\u00e8s pr\u00e9sente dans le Web3, montre encore qu\u2019elle veut <strong>moderniser les paiements<\/strong> sans changer les habitudes des utilisateurs.<\/p>\n<p>Pour Ripple, c\u2019est aussi une belle victoire. Son stablecoin RLUSD <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/rlusd-ripple-top10-stablecoins\/\">d\u00e9passe d\u00e9j\u00e0 le milliard<\/a><\/strong> de dollars en circulation et trouve enfin une r\u00e9elle utilit\u00e9. Il est aussi prot\u00e9g\u00e9 par un cadre l\u00e9gal solide gr\u00e2ce \u00e0 sa licence <strong>New York Trust Charter<\/strong>, ce qui rassure les institutions. La soci\u00e9t\u00e9 s&rsquo;inspire notamment \u00e0 devenir le leader de solution de paiement mondiale influente.<\/p>\n<p>Gemini, enfin, renforce <strong>sa place d\u2019interm\u00e9diaire<\/strong> entre les deux mondes, celui des cryptos et celui de la finance classique. Bref, ce sera la premi\u00e8re fois qu\u2019une banque am\u00e9ricaine reconnue s\u2019allie \u00e0 une plateforme crypto pour traiter des paiements.<\/p>\n<hr \/>\n<p>\u00c0 lire aussi :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/ripple-muscle-son-ecosysteme-avec-le-wallet-pro-palisade\/\">Ripple muscle son \u00e9cosyst\u00e8me avec le wallet pro Palisade<br \/>\n<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/fed-comptes-speciaux-crypto\/\">Crypto-banques : la Fed pr\u00e9pare enfin des comptes sp\u00e9ciaux<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/ripple-etf-xrp-novembre\/\">Ripple : L\u2019ETF XRP pourrait d\u00e9barquer en novembre<br \/>\n<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/marche-en-crise-chatgpt-identifie-3-cryptos-pretes-a-rebondir\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>Mastercard, Gemini et Ripple viennent de s\u2019allier pour un projet in\u00e9dit. Ensemble, ils lancent un test grandeur nature pour permettre les paiements par carte de cr\u00e9dit en utilisant le stablecoin RLUSD sur le XRP Ledger. L\u2019annonce a \u00e9t\u00e9 faite lors de la conf\u00e9rence Swell 2025, et elle pourrait bien marquer un tournant majeur pour l\u2019adoption des cryptos dans notre vie quotidienne.<\/p>\n","protected":false},"author":200,"featured_media":16109,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-16106","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>Mastercard et Gemini testent les paiements crypto via RLUSD avec Ripple<\/title>\n<meta name=\"description\" content=\"Mastercard, Gemini et Ripple testent les paiements instantan\u00e9s par carte en stablecoin RLUSD sur le blockain XRP Ledger.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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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\/16106","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=16106"}],"version-history":[{"count":3,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/16106\/revisions"}],"predecessor-version":[{"id":16111,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/16106\/revisions\/16111"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media\/16109"}],"wp:attachment":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media?parent=16106"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/categories?post=16106"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/tags?post=16106"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}