{"id":16625,"date":"2025-11-11T13:00:56","date_gmt":"2025-11-11T13:00:56","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=16625"},"modified":"2025-11-11T11:30:15","modified_gmt":"2025-11-11T11:30:15","slug":"coinbase-epargne-crypto-uk","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/coinbase-epargne-crypto-uk\/","title":{"rendered":"Coinbase se lance dans l\u2019\u00e9pargne crypto au Royaume-Uni"},"content":{"rendered":"<h2>Un compte \u00e9pargne simple et assur\u00e9<\/h2>\n<p>Coinbase propose <a href=\"https:\/\/help.coinbase.com\/en\/coinbase\/trading-and-funding\/other\/instant-access-savings-gbp\" target=\"_blank\" rel=\"\"><strong>un compte d&rsquo;\u00e9pargne<\/strong><\/a> pour les balances en livre sterling (GBP). Pour commencer, ce nouveau compte propose <strong>un taux annuel de 3,75%<\/strong>. Ce taux est variable, et l\u2019int\u00e9r\u00eat s\u2019accumule<strong> jour apr\u00e8s jour<\/strong> et se cr\u00e9dite quand le solde atteint au moins \u00a30,01. De ce fait, il est nettement <strong>plus avantageux<\/strong> que ceux offerts par la majorit\u00e9 des grandes banques britanniques.<\/p>\n<p>De plus, l&rsquo;acc\u00e8s \u00e0 ces fonds est imm\u00e9diat. Coinbase indique qu\u2019il n\u2019y a <strong>pas de d\u00e9p\u00f4t minimum<\/strong> et que les <strong>retraits sont instantan\u00e9<\/strong>s. Les utilisateurs jouissent d&rsquo;une grande flexibilit\u00e9. C&rsquo;est ainsi un <strong>avantage consid\u00e9rable<\/strong> pour l&rsquo;\u00e9pargne quotidienne.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Earn daily interest on your GBP savings with Coinbase in the UK.<\/p>\n<p>\u2192 3.75% AER<br \/>\u2192 Instant access, no lock-ups<br \/>\u2192 Eligible deposits up to \u00a385,000 are FSCS protected<\/p>\n<p>Grow your savings while you&#39;re on the sidelines.<\/p>\n<p>Rolling out now. Powered by <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/clear_bank?ref_src=twsrc%5Etfw\">@clear_bank<\/a>. <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/vzm7bspcFr\">pic.twitter.com\/vzm7bspcFr<\/a><\/p>\n<p>&mdash; Coinbase \ud83d\udee1\ufe0f (@coinbase) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/coinbase\/status\/1988173787737751563?ref_src=twsrc%5Etfw\">November 11, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Ensuite, et c&rsquo;est un point crucial, tous les d\u00e9p\u00f4ts sont prot\u00e9g\u00e9s. Concr\u00e8tement, l&rsquo;argent est <strong>couvert par le <a href=\"https:\/\/www.fscs.org.uk\/\" target=\"_blank\" rel=\"\">FSCS<\/a><\/strong>, le fonds de garantie des d\u00e9p\u00f4ts britannique. Les investisseurs sont ainsi prot\u00e9g\u00e9s jusqu&rsquo;\u00e0 <strong>85 000 livre<\/strong>s, exactement comme avec un compte en banque classique.<\/p>\n<h2>Un lancement strat\u00e9gique pour une expansion<\/h2>\n<p>D&rsquo;un point de vue op\u00e9rationnel, l&rsquo;argent des clients ne reste pas chez Coinbase. C&rsquo;est la banque britannique r\u00e9gul\u00e9e,<strong> ClearBank, qui op\u00e8re le compte<\/strong>, garantissant cette conformit\u00e9 r\u00e9glementaire. Ainsi, les clients b\u00e9n\u00e9ficient du m\u00eame <strong>niveau de s\u00e9curit\u00e9<\/strong> qu&rsquo;avec une banque traditionnelle au Royaume-Uni. C&rsquo;est une premi\u00e8re dans le monde des cryptos.<\/p>\n<p>Enfin, l\u2019offre commence par <strong>un lancement<\/strong>, r\u00e9serv\u00e9 aux r\u00e9sidents fiscaux du Royaume-Uni, cibl\u00e9 aujourd&rsquo;hui, le <strong>11 novembre 2025<\/strong>. Ensuite, Coinbase pr\u00e9voit une <strong>ouverture plus large<\/strong> dans les semaines suivantes.<\/p>\n<p>En revanche, il faut noter que ce lancement n&rsquo;est pas un coup de poker. Il s&rsquo;inscrit dans <strong>une strat\u00e9gie d&rsquo;expansion<\/strong> r\u00e9fl\u00e9chie, comme t\u00e9moigne sa collaboration en Asie avec l&rsquo;<strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/coinbase-coindcx\/\">\u00e9change CoinDCX.<\/a><\/strong><\/p>\n<h2>Une strat\u00e9gie produit plus large<\/h2>\n<p>Simultan\u00e9ment, Coinbase a d\u00e9voil\u00e9 <a href=\"https:\/\/www.coinbase.com\/en-in\/blog\/the-ideal-way-to-launch-introducing-token-sales-on-coinbase\" target=\"_blank\" rel=\"\"><strong>une nouvelle plateforme<\/strong><\/a> pour acheter des tokens avant leur cotation. La soci\u00e9t\u00e9 pr\u00e9voit environ <strong>une vente de token par mois<\/strong>, avec une fen\u00eatre d\u2019achat d\u2019une semaine. Les achats se feront en USDC, stablecoin \u00e9mis par Circle. De fait, le premier projet annonc\u00e9 est <strong>Monad<\/strong>.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16630\" src=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/CB_tokensales_blog_post_1920x1080px.jpg\" alt=\"CB_tokensales coinbase acheter des tokens \" width=\"1000\" height=\"563\" srcset=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/CB_tokensales_blog_post_1920x1080px.jpg 1000w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/CB_tokensales_blog_post_1920x1080px-300x169.jpg 300w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/CB_tokensales_blog_post_1920x1080px-768x432.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p>Ensuite, la plateforme <strong>utilisera un algorithme<\/strong> pour r\u00e9partir les allocations entre participants. Ainsi, Coinbase veut \u00e9viter les d\u00e9s\u00e9quilibres et favoriser <strong>une distribution large<\/strong>. Par ailleurs, l\u2019annonce a eu un effet imm\u00e9diat sur le march\u00e9. En effet, l\u2019<strong>action Coinbase a grimp\u00e9<\/strong> d\u2019approximativement 4\u2009% en d\u00e9but de s\u00e9ance.<\/p>\n<p>Enfin, cette d\u00e9marche montre que Coinbase <strong>cherche \u00e0 combiner<\/strong> produits r\u00e9gul\u00e9s et innovations crypto. De plus, la firme veut attirer des clients de d\u00e9tail et institutionnels. Par cons\u00e9quent, l\u2019entreprise \u00e9largit son catalogue au-del\u00e0 de l\u2019\u00e9change traditionnel.<\/p>\n<h2>Contexte r\u00e9glementaire tendu<\/h2>\n<p>Le Royaume-Uni repr\u00e9sente <strong>le plus grand march\u00e9<\/strong> international de Coinbase, apr\u00e8s les \u00c9tats-Unis. L&rsquo;entreprise y intensifie ses efforts.<\/p>\n<p>Elle a d&rsquo;ailleurs obtenu son enregistrement de Fournisseur de services d&rsquo;actifs virtuels (<strong>VASP<\/strong>) aupr\u00e8s de la FCA britannique, plus t\u00f4t dans l&rsquo;ann\u00e9e. Cet enregistrement lui permet d&rsquo;\u00e9tendre ses produits r\u00e9glement\u00e9s. C\u2019est un grand pas en avant.<\/p>\n<p>Toutefois, ce lancement intervient apr\u00e8s une p\u00e9riode de d\u00e9fis r\u00e9glementaires. En 2024, la filiale britannique a <strong>re\u00e7u une amende<\/strong> de 4,5 millions de dollars de la <strong>FCA<\/strong>. La raison ? Des manquements r\u00e9p\u00e9t\u00e9s concernant l&rsquo;offre de services aux clients \u00e0 haut risque.<\/p>\n<p>De m\u00eame, la <strong>Banque Centrale d&rsquo;Irlande<\/strong> a <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/banque-centrale-irlande-inflige-amende-record-coinbase-215\/\">inflig\u00e9 une amende<\/a><\/strong> de 24,7 millions de dollars \u00e0 Coinbase Europe. Cela concernait des <strong>lacunes dans la surveillance<\/strong> des transactions (AML\/CTF) entre avril 2021 et mars 2025.<\/p>\n<p>Suite \u00e0 cette amende, la bourse am\u00e9ricaine a m\u00eame exhort\u00e9 au Tr\u00e9sor Am\u00e9ricain de <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/coinbase-tresor-americain-plan-anti-blanchiment\/\">renouveler les r\u00e8gles<\/a><\/strong> anti-blanchiments jug\u00e9es trop d\u00e9pass\u00e9es et datant d&rsquo;un si\u00e8cle.<\/p>\n<p>Malgr\u00e9 tout, l&rsquo;entreprise se positionne en leader. Elle est le <strong>premier \u00e9change crypto-natif<\/strong> \u00e0 proposer un compte d&rsquo;\u00e9pargne r\u00e9glement\u00e9 avec cette protection.<\/p>\n<hr \/>\n<p>\u00c0 lire aussi :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/dydx-etats-unis-fin-2025\/\">dYdX arrive enfin aux \u00c9tats-Unis d\u2019ici fin 2025<br \/>\n<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/binance-bpay-usd\/\">Binance passe en mode global : d\u00e9p\u00f4ts USD dispo dans +70 pays<br \/>\n<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/crypto-taxe-royaume-uni\/\">Crypto-taxe : le Royaume-Uni intensifie la chasse aux non-d\u00e9clarants<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/chatgpt-3-altcoins-surprendre\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>Coinbase frappe un grand coup au Royaume-Uni. La plateforme crypto vient de lancer un compte d&rsquo;\u00e9pargne in\u00e9dit, alliant un taux d&rsquo;int\u00e9r\u00eat comp\u00e9titif et la s\u00e9curit\u00e9 des d\u00e9p\u00f4ts bancaires. Le d\u00e9ploiement a commenc\u00e9 le 11 novembre 2025 pour des utilisateurs s\u00e9lectionn\u00e9s, puis s\u2019ouvrira progressivement.<\/p>\n","protected":false},"author":200,"featured_media":16635,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,38],"tags":[],"class_list":["post-16625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu","category-exchange"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Coinbase se lance dans l\u2019\u00e9pargne crypto au Royaume-Uni<\/title>\n<meta name=\"description\" content=\"Coinbase lance un compte d\u2019\u00e9pargne crypto au Royaume-Uni, offrant 3,75 % d\u2019int\u00e9r\u00eat et une garantie FSCS, une premi\u00e8re du genre.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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premi\u00e8re du genre.","breadcrumb":{"@id":"https:\/\/www.coinspeaker.com\/fr\/coinbase-epargne-crypto-uk\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.coinspeaker.com\/fr\/coinbase-epargne-crypto-uk\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.coinspeaker.com\/fr\/coinbase-epargne-crypto-uk\/#primaryimage","url":"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/crypto-epargne-1.png","contentUrl":"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/crypto-epargne-1.png","width":1200,"height":800,"caption":"crypto epargne Coinbase UK"},{"@type":"BreadcrumbList","@id":"https:\/\/www.coinspeaker.com\/fr\/coinbase-epargne-crypto-uk\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.coinspeaker.com\/fr\/"},{"@type":"ListItem","position":2,"name":"Coinbase se lance dans l\u2019\u00e9pargne crypto au Royaume-Uni"}]},{"@type":"WebSite","@id":"https:\/\/www.coinspeaker.com\/fr\/#website","url":"https:\/\/www.coinspeaker.com\/fr\/","name":"Coinspeaker France","description":"Bitcoin, Ethereum, Altcoins et actualit\u00e9s crypto avec analyses, cours en direct, graphiques de donn\u00e9es et guides","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.coinspeaker.com\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/www.coinspeaker.com\/fr\/#\/schema\/person\/d793ce3fffd1844b1bf840021a85dd43","name":"Emmanuel 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\/16625","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=16625"}],"version-history":[{"count":3,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/16625\/revisions"}],"predecessor-version":[{"id":16636,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/16625\/revisions\/16636"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media\/16635"}],"wp:attachment":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media?parent=16625"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/categories?post=16625"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/tags?post=16625"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}