{"id":16830,"date":"2025-11-12T16:00:08","date_gmt":"2025-11-12T16:00:08","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=16830"},"modified":"2025-11-12T16:09:19","modified_gmt":"2025-11-12T16:09:19","slug":"premiere-transaction-digital-dirham-eau","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/premiere-transaction-digital-dirham-eau\/","title":{"rendered":"Incroyable : premi\u00e8re transaction du Digital Dirham aux \u00c9mirats arabes unis"},"content":{"rendered":"<h1>Une premi\u00e8re transaction r\u00e9ussie et historique<\/h1>\n<p>Cette transaction n&rsquo;est pas qu&rsquo;un simple test. C&rsquo;est en r\u00e9alit\u00e9 le <a href=\"https:\/\/mediaoffice.ae\/en\/news\/2025\/november\/11-11\/ministry-of-finance-and-dubai-finance-conduct-first-government-transaction-using-digital-dirham?utm\" target=\"_blank\" rel=\"\"><strong>tout premier transfert<\/strong><\/a> de monnaie digitale de banque centrale (<strong>MDBC<\/strong>) effectu\u00e9 par le pays. Le Minist\u00e8re des Finances et le D\u00e9partement des Finances de Duba\u00ef ont men\u00e9 cette op\u00e9ration de <strong>transaction gouvernementale<\/strong>.<\/p>\n<p>Ce test a \u00e9t\u00e9 effectu\u00e9 en <strong>moins de deux minutes<\/strong>, d\u00e9passant largement les virements bancaires.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Today, Ministry of Finance &amp; Dubai Finance marked a pivotal milestone in the history of government financial transformation in the UAE, as we executed the first government transaction using the Digital Dirham issued by the Central Bank of the UAE, representing the future of the\u2026 <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/gYRiTC1Euh\">pic.twitter.com\/gYRiTC1Euh<\/a><\/p>\n<p>&mdash; Maktoum Bin Mohammed (@MaktoumMohammed) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/MaktoumMohammed\/status\/1988250029979824135?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>Concr\u00e8tement, cette transaction ne portait pas sur un montant \u00e9norme, mais elle avait <strong>une valeur symbolique<\/strong> forte. Elle prouve que le <strong>Digital Dirham peut fonctionner<\/strong> dans un cadre institutionnel r\u00e9el, sans d\u00e9pendre d\u2019interm\u00e9diaires.<\/p>\n<p>Le pays, aussi consid\u00e9r\u00e9 comme <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/emirats-whales-bitcoin\/\">un whale Bitcoin<\/a><\/strong>, voulait surtout v\u00e9rifier la<strong> compatibilit\u00e9 du syst\u00e8me<\/strong> avec les infrastructures publiques et priv\u00e9es d\u00e9j\u00e0 en place. Et visiblement, le test est un succ\u00e8s. Les responsables disent que ce test <strong>servira d\u2019exemple<\/strong> pour les futurs paiements publics et internationaux.<\/p>\n<h2>Vers une \u00e9conomie num\u00e9rique souveraine<\/h2>\n<p>Ce test de la monnaie num\u00e9rique <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/cbdc-avancent-vers-modele-hybride-stablecoins-prives\/\">CBDC<\/a> <\/strong>ne tombe pas du ciel. Il fait partie du grand programme \u201c<strong>Financial Infrastructure Transformation<\/strong>\u201d (FIT) lanc\u00e9 par la Banque centrale des \u00c9mirats.<\/p>\n<p>Ce plan ambitieux veut moderniser tout le syst\u00e8me financier du pays, rendre les paiements <strong>enti\u00e8rement num\u00e9riques<\/strong> et essentiellement renforcer l\u2019ind\u00e9pendance mon\u00e9taire du pays. En clair, les \u00c9mirats veulent <strong>moins d\u00e9pendre des r\u00e9seaux<\/strong> \u00e9trangers et faciliter les \u00e9changes dans la r\u00e9gion.<\/p>\n<p>Mais la vision du pays va bien plus loin que \u00e7a. D\u00e8s janvier 2024, les \u00c9mirats avaient d\u00e9j\u00e0 <strong>envoy\u00e9 50 millions<\/strong> de dirhams num\u00e9riques \u00e0 la Chine gr\u00e2ce \u00e0 la plateforme mBridge. Ce test international montrait d\u00e9j\u00e0 leur envie de devenir un acteur majeur dans le commerce num\u00e9rique mondial.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16834\" src=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/digital-dirham.png\" alt=\"digital dirham\" width=\"932\" height=\"554\" srcset=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/digital-dirham.png 932w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/digital-dirham-300x178.png 300w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/digital-dirham-768x457.png 768w\" sizes=\"auto, (max-width: 932px) 100vw, 932px\" \/><\/p>\n<p>Ce<strong> test international<\/strong>, men\u00e9 en partenariat avec la Banque populaire de Chine, la Banque de Tha\u00eflande et la Banque d&rsquo;Hong Kong, visait \u00e0 fluidifier les <strong>transferts transfrontaliers<\/strong> et \u00e0 r\u00e9duire les co\u00fbts li\u00e9s au dollar.<\/p>\n<p>Aujourd\u2019hui, le <strong><a href=\"https:\/\/www.centralbank.ae\/media\/lczb23l4\/cbdc-short-report_july.pdf?utm\" target=\"_blank\" rel=\"\">Digital Dirham<\/a> <\/strong>fait donc partie d\u2019un projet ambitieux. Les autorit\u00e9s veulent non seulement <strong>digitaliser l\u2019\u00e9conomie locale<\/strong>, mais aussi positionner les \u00c9mirats comme <strong>un centre financier<\/strong> du futur, capable de rivaliser avec Singapour ou Hong Kong dans la finance blockchain.<\/p>\n<h2>mBridge : la colonne vert\u00e9brale technique derri\u00e8re le Digital Dirham<\/h2>\n<p>La transaction a \u00e9t\u00e9 rendue possible par une plateforme cl\u00e9 : <a href=\"https:\/\/www.centralbank.ae\/en\/our-operations\/fintech-digital-transformation\/mbridge\/\" target=\"_blank\" rel=\"\"><strong>mBridge<\/strong><\/a>. Ce projet est une infrastructure commune de MDBC d\u00e9velopp\u00e9e pour le commerce cross-border. Il est le r\u00e9sultat d&rsquo;une <strong>collaboration internationale<\/strong> majeure. En effet, mBridge r\u00e9unit la Banque centrale de l&rsquo;EAU, la Banque populaire de Chine, la Banque de Tha\u00eflande et l&rsquo;Hong Kong Monetary Authority.<\/p>\n<p>mBridge relie directement les <strong>diff\u00e9rentes monnaies nationales<\/strong>, sans passer par les circuits bancaires habituels. En clair, il permet aux institutions financi\u00e8res d\u2019<strong>\u00e9changer de l\u2019argent<\/strong> en quelques secondes, sans attendre des jours ni payer des frais inutiles. Gr\u00e2ce \u00e0 cette technologie, les transactions <strong>deviennent instantan\u00e9es<\/strong>.<\/p>\n<p>Cette efficacit\u00e9 change clairement la donne. En r\u00e9duisant les d\u00e9lais et les co\u00fbts, le syst\u00e8me rend les paiements <strong>plus fluides et plus transparents<\/strong>. Beaucoup d\u2019experts pensent d\u2019ailleurs que ce type de solution pourrait acc\u00e9l\u00e9rer l\u2019<strong>adoption mondiale<\/strong> des monnaies digitales de banque centrale, les fameuses <strong>CDBC<\/strong>.<\/p>\n<p>Des pays comme la <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/cbdc-80-mds-subventions-bientot-tokenises\/\">Cor\u00e9e du Sud<\/a><\/strong> ou <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/pakistan-stablecoin-roupie-crypto\/\">le Pakistan<\/a><\/strong> pr\u00e9voient d\u00e9j\u00e0 d&rsquo;entamer s\u00e9rieusement le pas. Et honn\u00eatement, quand on voit les r\u00e9sultats, ce n\u2019est pas difficile \u00e0 croire.<\/p>\n<p>Bien s\u00fbr, tout n\u2019est <strong>pas encore parfait<\/strong> et les responsables de la Banque centrale des \u00c9mirats arabes unis ont admis cela. Le Digital Dirham doit encore surmonter<strong> plusieurs d\u00e9fis<\/strong>, surtout en s\u00e9curit\u00e9, en r\u00e8gles et en sensibilisation du public.<\/p>\n<p>Malgr\u00e9 tout, le ton reste optimiste. Le ministre des Finances a qualifi\u00e9 ce moment de \u00ab tournant majeur \u00bb pour la r\u00e9gion.<\/p>\n<hr \/>\n<p>\u00c0 lire aussi :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/krwq-premier-stablecoin-won\/\">KRWQ, le premier stablecoin en won : la Cor\u00e9e d\u00e9fie le dollar<br \/>\n<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/le-kirghizstan-lance-son-propre-stablecoin-national-avec-binance\/\">Le Kirghizstan lance son propre stablecoin national avec Binance<br \/>\n<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/leuro-numerique-entre-dans-sa-phase-finale-lancement-vise-pour-2029\/\">L\u2019euro num\u00e9rique entre dans sa phase finale : lancement vis\u00e9 pour 2029<br \/>\n<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/3-cryptos-du-marche-rallye\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>C\u2019est officiel : le Digital Dirham vient de franchir une \u00e9tape historique. Les \u00c9mirats arabes unis ont r\u00e9alis\u00e9 leur premi\u00e8re transaction officielle en monnaie num\u00e9rique de banque centrale (CBDC). Ce test, men\u00e9 par la Banque centrale (CBUAE), montre clairement que le pays veut s\u2019imposer comme un leader mondial de la finance num\u00e9rique.<\/p>\n","protected":false},"author":200,"featured_media":16838,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-16830","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>Incroyable : premi\u00e8re transaction du Digital Dirham aux \u00c9mirats arabes unis<\/title>\n<meta name=\"description\" content=\"Historique : les \u00c9mirats arabes unis r\u00e9alisent la premi\u00e8re transaction gouvernementale en Digital Dirham (CBDC).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-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\/16830","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=16830"}],"version-history":[{"count":4,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/16830\/revisions"}],"predecessor-version":[{"id":16840,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/16830\/revisions\/16840"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media\/16838"}],"wp:attachment":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media?parent=16830"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/categories?post=16830"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/tags?post=16830"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}