{"id":18261,"date":"2025-11-26T10:00:34","date_gmt":"2025-11-26T10:00:34","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=18261"},"modified":"2025-11-26T09:35:41","modified_gmt":"2025-11-26T09:35:41","slug":"klarna-stablecoin-klarnausd-tempo","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/klarna-stablecoin-klarnausd-tempo\/","title":{"rendered":"Klarna devient la premi\u00e8re banque \u00e0 lancer un stablecoin USD sur Tempo"},"content":{"rendered":"<h2>Un stablecoin adoss\u00e9 au dollar pour moderniser les paiements<\/h2>\n<p><a href=\"https:\/\/www.klarna.com\/international\/press\/klarna-launches-klarnausd-as-stablecoin-transactions-hit-usd27-trillion\/\" target=\"_blank\" rel=\"\"><strong>KlarnaUSD<\/strong><\/a> suit un principe tr\u00e8s simple : chaque token repose sur des <strong>r\u00e9serves en dollars am\u00e9ricains<\/strong>. L\u2019id\u00e9e est limpide. Klarna veut r\u00e9duire ses co\u00fbts et rendre ses paiements mondiaux beaucoup plus fluides.<\/p>\n<p>La banque, qui compte<strong> plus de 114 millions d\u2019utilisateurs<\/strong>, op\u00e8re ce lancement sous le regard bienveillant des autorit\u00e9s estoniennes. En effet, elle d\u00e9tient une <strong>licence d\u00e9livr\u00e9e par l&rsquo;Estonie<\/strong>, un pays pionnier dans la r\u00e9gulation des actifs num\u00e9riques.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Introducing KlarnaUSD, our first <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/Stablecoin?ref_src=twsrc%5Etfw\">@Stablecoin<\/a>. <\/p>\n<p>We\u2019re the first bank to launch on <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/tempo?ref_src=twsrc%5Etfw\">@tempo<\/a>, the payments blockchain by <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/stripe?ref_src=twsrc%5Etfw\">@stripe<\/a> and <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/paradigm?ref_src=twsrc%5Etfw\">@paradigm<\/a>.<\/p>\n<p>With stablecoin transactions already at $27T a year, we\u2019re bringing faster, cheaper cross-border payments to our 114M customers.<\/p>\n<p>Crypto is\u2026<\/p>\n<p>&mdash; Klarna (@Klarna) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/Klarna\/status\/1993303819715854549?ref_src=twsrc%5Etfw\">November 25, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Pour donner vie \u00e0 ce projet, Klarna s\u2019appuie sur <strong>Bridge<\/strong>, l\u2019infrastructure de stablecoins d\u00e9velopp\u00e9e par <strong>Stripe<\/strong>. Ce choix montre clairement que la fintech veut pousser tr\u00e8s loin son <strong>adoption des technologies blockchain<\/strong>. Jusqu\u2019ici, presque aucune banque n\u2019avait os\u00e9 aller aussi loin.<\/p>\n<p>Le stablecoin fonctionne d\u00e9j\u00e0 sur<strong> le testnet de Tempo<\/strong>. Le lancement sur le r\u00e9seau principal arrivera en 2026. En attendant, Klarna utilisera KlarnaUSD dans ses propres op\u00e9rations.<\/p>\n<p>En effet, <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/genius-act-limiter-lemprise-wall-street-big-tech-stablecoins\/\">la loi Genius<\/a><\/strong>, adopt\u00e9 en juillet aux \u00c9tats-Unis, a pos\u00e9 un <strong>cadre clair pour les stablecoins<\/strong>, d\u00e9clenchant une nouvelle vague de lancements dans le secteur.<\/p>\n<h2>Tempo, la blockchain de Stripe qui change les r\u00e8gles<\/h2>\n<p><a href=\"https:\/\/tempo.xyz\/\" target=\"_blank\" rel=\"\"><strong>Tempo<\/strong><\/a> n\u2019est pas une blockchain comme les autres. Stripe et Paradigm l\u2019ont construite <strong>pour les paiements<\/strong>. Le r\u00e9seau vise une vitesse \u00e9lev\u00e9e, des frais minimes et une int\u00e9gration simple pour les plateformes financi\u00e8res. C\u2019\u00e9tait le terrain id\u00e9al pour Klarna, qui devait <strong>g\u00e9rer un volume massif.<\/strong> L\u2019entreprise traite plus de<strong> 112 milliards de dollars par an.<\/strong><\/p>\n<p>Le choix de Tempo montre aussi un mouvement plus large. Les infrastructures de paiement se tournent vers la tokenisation pour<strong> contourner les r\u00e9seaux traditionnels<\/strong>, souvent co\u00fbteux. Klarna souhaite par exemple <strong>\u00e9viter certains frais<\/strong> li\u00e9s au syst\u00e8me bancaire classique ou au r\u00e9seau SWIFT. La r\u00e9duction des interm\u00e9diaires ouvre la porte \u00e0 des transferts plus rapides et mieux contr\u00f4l\u00e9s.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-18268\" src=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/DAT-Klarna_Office_S46_LowRes_24.webp\" alt=\"banque Klarna\" width=\"1704\" height=\"1136\" srcset=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/DAT-Klarna_Office_S46_LowRes_24.webp 1704w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/DAT-Klarna_Office_S46_LowRes_24-300x200.webp 300w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/DAT-Klarna_Office_S46_LowRes_24-1024x683.webp 1024w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/DAT-Klarna_Office_S46_LowRes_24-768x512.webp 768w, https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/11\/DAT-Klarna_Office_S46_LowRes_24-1536x1024.webp 1536w\" sizes=\"auto, (max-width: 1704px) 100vw, 1704px\" \/><\/p>\n<p>De plus, Tempo attire d\u00e9j\u00e0 des acteurs du secteur et<strong> <a href=\"https:\/\/www.coinspeaker.com\/fr\/stripe-tempo-5-milliards\/\">vaut d\u00e9j\u00e0 5 milliards<\/a> <\/strong>de dollars. Les transactions stables repr\u00e9sentent plus de <strong>27 000 milliards de dollars par an<\/strong> dans le monde, selon McKinsey. Stripe veut capter <strong>une partie de ce flux<\/strong>. Klarna arrive donc au bon moment, avec un usage concret et imm\u00e9diatement op\u00e9rationnel.<\/p>\n<h2>Une strat\u00e9gie assum\u00e9e pour pr\u00e9parer les futurs services crypto<\/h2>\n<p>Klarna ne s\u2019en cache plus. L\u2019entreprise pr\u00e9pare <strong>un virage progressif<\/strong> vers les services crypto. Son CEO, <a href=\"https:\/\/x.com\/klarnaseb\" target=\"_blank\" rel=\"\"><strong>Sebastian Siemiatkowski<\/strong><\/a>, avait d\u00e9j\u00e0 affirm\u00e9 en 2025 vouloir explorer les<strong> nouvelles formes de paiement<\/strong> li\u00e9es aux cha\u00eenes de blocs. <strong>KlarnaUSD<\/strong> devient la premi\u00e8re brique visible de cette strat\u00e9gie.<\/p>\n<p>Pour l\u2019instant, la fintech limite l\u2019usage de son stablecoin \u00e0 ses propres circuits. Elle teste, mesure et ajuste. Cependant, d\u2019autres pistes sont d\u00e9j\u00e0 en r\u00e9flexion. Klarna envisage d\u2019ouvrir KlarnaUSD aux commer\u00e7ants, puis aux clients.<\/p>\n<p>Enfin, ce lancement entra\u00eene Klarna dans <strong>un march\u00e9 tr\u00e8s disput\u00e9<\/strong>. Les stablecoins dominants, comme <strong>USDT ou USDC<\/strong>, p\u00e8sent respectivement pr\u00e8s de 184 milliards et 74 milliards de dollars de capitalisation. Selon <strong><a href=\"https:\/\/www.coinspeaker.com\/fr\/bce-stablecoins-systeme\/\">la BCE<\/a><\/strong>, certains<strong> stablecoins am\u00e9ricains menacent<\/strong> m\u00eame le syst\u00e8me financier europ\u00e9en.<\/p>\n<p>Pourtant, Klarna parie sur une diff\u00e9rence cl\u00e9 : <strong>l\u2019int\u00e9gration<\/strong>. Gr\u00e2ce \u00e0 Tempo, elle peut relier directement son \u00e9cosyst\u00e8me financier \u00e0 un <strong>r\u00e9seau pens\u00e9 pour les paiements<\/strong>. C\u2019est une approche beaucoup plus logique pour une banque digitale qui veut, au fond,<strong> revoir enti\u00e8rement sa fondation<\/strong>.<\/p>\n<hr \/>\n<p>\u00c0 lire aussi :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/stablecoins-la-bri-alerte-risque-de-contagion-financiere-mondiale\/\">Stablecoins : la BRI alerte sur un risque de contagion financi\u00e8re mondiale<br \/>\n<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/risque-stablecoin-la-bce-sonne-lalarme\/\">Risque stablecoin : la BCE sonne l\u2019alarme<br \/>\n<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/paiements-btc-stablecoins-cash-app\/\">Le grand pari de Dorsey : les paiements stablecoins sur Cash App d\u00e8s 2026<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/moonpay-licence-new-york\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>Klarna vient de franchir un cap que personne n\u2019attendait vraiment. La fintech su\u00e9doise lance son propre stablecoin adoss\u00e9 au dollar, baptis\u00e9 KlarnaUSD. Avec ce choix, elle devient la premi\u00e8re banque digitale \u00e0 mettre un token sur Tempo, la blockchain que Stripe et Paradigm ont d\u00e9velopp\u00e9e ensemble. Pour Klarna, c\u2019est un vrai tournant dans la fa\u00e7on dont elle g\u00e8re ses paiements internationaux.<\/p>\n","protected":false},"author":200,"featured_media":18273,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18261","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>Klarna devient la premi\u00e8re banque \u00e0 lancer un stablecoin USD sur Tempo<\/title>\n<meta name=\"description\" content=\"Klarna lance son stablecoin KlarnaUSD sur Tempo, devenant la premi\u00e8re banque digitale \u00e0 tokeniser ses paiements internationaux avec Stripe.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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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\/18261","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=18261"}],"version-history":[{"count":2,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/18261\/revisions"}],"predecessor-version":[{"id":18272,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/18261\/revisions\/18272"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media\/18273"}],"wp:attachment":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media?parent=18261"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/categories?post=18261"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/tags?post=18261"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}