{"id":22010,"date":"2026-05-13T16:39:20","date_gmt":"2026-05-13T16:39:20","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=22010"},"modified":"2026-05-13T14:59:27","modified_gmt":"2026-05-13T14:59:27","slug":"clarity-act-le-texte-final-devoile-un-tournant-pour-la-crypto","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/clarity-act-le-texte-final-devoile-un-tournant-pour-la-crypto\/","title":{"rendered":"CLARITY Act : le texte final d\u00e9voil\u00e9, un tournant pour la crypto"},"content":{"rendered":"\r\n<p class=\"wp-block-paragraph\">Dans l&rsquo;actualit\u00e9 du CLARITY Act aujourd&rsquo;hui, le comit\u00e9 s\u00e9natorial des banques a publi\u00e9 le texte final du Digital Asset Market Clarity Act ce 12 mai 2026.<\/p>\r\n<p>Cette publication intervient seulement deux jours avant le vote (markup) pr\u00e9vu le 14 mai, offrant pour la premi\u00e8re fois aux investisseurs crypto une vision pr\u00e9cise des r\u00e8gles que Washington souhaite imposer aux plateformes d&rsquo;\u00e9change, aux stablecoins et aux protocoles DeFi.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Le projet de loi traite de sujets vastes, allant de la capacit\u00e9 des banques \u00e0 d\u00e9tenir des actifs num\u00e9riques \u00e0 l&rsquo;autorisation pour les applications de stablecoins de verser des int\u00e9r\u00eats. Plusieurs l\u00e9gislateurs estiment que le texte pourrait \u00eatre soumis \u00e0 la signature du pr\u00e9sident <strong>Donald Trump<\/strong> avant le 4 juillet 2026.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">On peut comparer le CLARITY Act \u00e0 un code d&rsquo;urbanisme pour un quartier qui se serait d\u00e9velopp\u00e9 sans r\u00e8gles. Jusqu&rsquo;ici, les d\u00e9veloppeurs (b\u00e2tisseurs), les exchanges (propri\u00e9taires) et les banques op\u00e9raient dans des zones grises juridiques.<\/p>\r\n<p>Ce texte vient tracer les limites de propri\u00e9t\u00e9, d\u00e9finissant qui a besoin d&rsquo;une licence, qui est prot\u00e9g\u00e9 et qui doit se soumettre \u00e0 de nouvelles normes de s\u00e9curit\u00e9.<\/p>\r\n<p>Cette clart\u00e9 est l&rsquo;objectif central, et les enjeux sont tels que <a class=\"general-link\" href=\"https:\/\/99bitcoins.com\/news\/bitcoin-btc\/clarity-act-us-crypto-rules-investors\/\" target=\"_blank\" rel=\"noopener\">l&rsquo;industrie a fait pression sur le Congr\u00e8s pendant des mois<\/a> pour faire aboutir ce projet.<\/p>\r\n<p><iframe loading=\"lazy\" title=\"CLARITY Final Bill Revealed!!\ud83d\udea8Ron Hammond INTERVIEW\" width=\"474\" height=\"267\" src=\"https:\/\/www.youtube.com\/embed\/Q2dQWy5lmMw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\r\n\r\n\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">CLARITY Act : les d\u00e9tails qui \u00e9chappent aux gros titres<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Un d\u00e9tail crucial souvent omis par les m\u00e9dias est que ce projet de loi pourrait de fait \u00eatre enterr\u00e9 s&rsquo;il ne franchit pas l&rsquo;\u00e9tape du comit\u00e9 avant la suspension parlementaire du Memorial Day, le 21 mai.<\/p>\r\n<p>Les s\u00e9nateurs <strong>Cynthia Lummis<\/strong> (R-WY) et <strong>Bernie Moreno<\/strong> (R-OH) ont averti qu&rsquo;un \u00e9chec avant cette date butoir pourrait repousser toute nouvelle tentative s\u00e9rieuse \u00e0 2030 ou au-del\u00e0. Le calendrier est donc bien plus serr\u00e9 que ne le laisse entendre l&rsquo;\u00e9ch\u00e9ance symbolique du 4 juillet.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">Le projet de loi : 5 dispositions cl\u00e9s \u00e0 comprendre<\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">U.S. Senate Banking Committee Receives Over 100 Amendments to Crypto Market Structure Bill<br><br>According to Politico, ahead of the U.S. Senate Banking Committee\u2019s markup vote on the crypto market structure bill, the CLARITY Act, committee members have submitted more than 100\u2026 <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/6yH0SH7Rgc\">pic.twitter.com\/6yH0SH7Rgc<\/a><\/p>&mdash; Wu Blockchain (@WuBlockchain) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/WuBlockchain\/status\/2054390057059107235?ref_src=twsrc%5Etfw\">May 13, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>1. Pas de rendement passif sur les stablecoins de paiement<\/strong> Les prestataires de services d&rsquo;actifs num\u00e9riques ne pourront pas verser d&rsquo;int\u00e9r\u00eats passifs sur les soldes en stablecoins de paiement. Concr\u00e8tement, vous ne pourrez plus gagner d&rsquo;int\u00e9r\u00eats sur des <strong>USDC<\/strong> stock\u00e9s sur un exchange. L&rsquo;objectif est d&#8217;emp\u00eacher les plateformes crypto de fonctionner comme des banques non r\u00e9glement\u00e9es.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>2. Autorisation des r\u00e9compenses bas\u00e9es sur l&rsquo;activit\u00e9<\/strong> Le texte autorise les r\u00e9compenses li\u00e9es aux transactions, \u00e0 l&rsquo;utilisation des plateformes ou \u00e0 d&rsquo;autres formes de participation active. En revanche, il interdit les gains li\u00e9s \u00e0 la simple d\u00e9tention d&rsquo;un solde. La SEC, la CFTC et le Tr\u00e9sor devront d\u00e9finir les r\u00e8gles pr\u00e9cises, ce qui laisse planer une certaine incertitude pour les d\u00e9tenteurs de stablecoins.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>3. Protection pour les d\u00e9veloppeurs DeFi<\/strong> Les d\u00e9veloppeurs de blockchains non d\u00e9positaires (non-custodial) ne seront pas class\u00e9s comme des transmetteurs de fonds pour avoir simplement \u00e9crit du code permettant de transf\u00e9rer de la valeur. C&rsquo;est une victoire majeure pour les b\u00e2tisseurs de la finance d\u00e9centralis\u00e9e, m\u00eame si ceux qui facilitent sciemment des transferts ill\u00e9gaux resteront responsables.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>4. Banques et coop\u00e9ratives de cr\u00e9dit autoris\u00e9es<\/strong> Les banques nationales, d&rsquo;\u00c9tat et certaines coop\u00e9ratives de cr\u00e9dit seront explicitement autoris\u00e9es \u00e0 utiliser les actifs num\u00e9riques et la blockchain pour leurs activit\u00e9s bancaires classiques, comme la garde (custody) et le trading. Cela encourage les institutions financi\u00e8res traditionnelles \u00e0 s&rsquo;impliquer dans l&rsquo;\u00e9cosyst\u00e8me crypto.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>5. R\u00e9glementation conjointe SEC-CFTC<\/strong> La SEC et la CFTC devront \u00e9laborer des r\u00e8gles communes pour la marge de portefeuille d&rsquo;actifs num\u00e9riques et moderniser les normes de tenue de registres. Cette mesure vise \u00e0 r\u00e9soudre les conflits de juridiction qui compliquent la conformit\u00e9 pour les entreprises du secteur.<\/p>\r\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/liquidchain-approche-des-800-000\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>Dans l&rsquo;actualit\u00e9 du CLARITY Act aujourd&rsquo;hui, le comit\u00e9 s\u00e9natorial des banques a publi\u00e9 le texte final du Digital Asset Market Clarity Act ce 12 mai 2026. Cette publication intervient seulement deux jours avant le vote (markup) pr\u00e9vu le 14 mai, offrant pour la premi\u00e8re fois aux investisseurs crypto une vision pr\u00e9cise des r\u00e8gles que Washington [&hellip;]<\/p>\n","protected":false},"author":200,"featured_media":22011,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-22010","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 v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CLARITY Act : le texte final d\u00e9voil\u00e9, un tournant pour la crypto<\/title>\n<meta name=\"description\" content=\"Dans l&#039;actualit\u00e9 du CLARITY Act, le comit\u00e9 s\u00e9natorial des banques a publi\u00e9 le texte final du Digital Asset Market Clarity Act 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Roux","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2025\/06\/cropped-pp-1-96x96.png","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. 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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\/22010","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=22010"}],"version-history":[{"count":3,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/22010\/revisions"}],"predecessor-version":[{"id":22014,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/posts\/22010\/revisions\/22014"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media\/22011"}],"wp:attachment":[{"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/media?parent=22010"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/categories?post=22010"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coinspeaker.com\/fr\/wp-json\/wp\/v2\/tags?post=22010"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}