{"id":22042,"date":"2026-05-18T08:54:37","date_gmt":"2026-05-18T08:54:37","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=22042"},"modified":"2026-05-18T08:54:37","modified_gmt":"2026-05-18T08:54:37","slug":"bitcoin-lightning-network-tando-mpesa-kenya-remittance-payments","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/bitcoin-lightning-network-tando-mpesa-kenya-remittance-payments\/","title":{"rendered":"Bitcoin : Tando connecte le Lightning Network \u00e0 M-Pesa au Kenya"},"content":{"rendered":"<p>Dans l&rsquo;actualit\u00e9 Bitcoin du jour, Tando, une application de paiement mobile disponible sur Google Play et l&rsquo;App Store d&rsquo;Apple, permet d\u00e9sormais aux utilisateurs du monde entier d&rsquo;envoyer du Bitcoin via le <strong>Lightning Network<\/strong> directement vers des num\u00e9ros de t\u00e9l\u00e9phone kenyans. Les destinataires peuvent ensuite acc\u00e9der aux fonds en shillings kenyans via <strong>M-Pesa<\/strong>, sans avoir besoin de portefeuille crypto ni de v\u00e9rification KYC.<\/p>\r\n<p>Ciblant les transferts de fonds, les paiements de freelances et les transactions commerciales, Tando s&rsquo;appuie sur un r\u00e9seau de paiement mobile massif qui a trait\u00e9 40,2 billions de KES (environ 312 milliards de dollars) au cours de l&rsquo;ann\u00e9e \u00e9coul\u00e9e, avec plus de 32 millions d&rsquo;utilisateurs actifs.<\/p>\r\n<p><blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">We\u2019ve been on a side-quest, and we have good news from the other side! 40 million Kenyans now have a bitcoin Lightning Address! They didn\u2019t need to sign up for one because they had it this entire time, attached to the phone number in their pocket!<br><br>Try it: send bitcoin to\u2026 <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/MvjWl3nxmI\">pic.twitter.com\/MvjWl3nxmI<\/a><\/p>&mdash; Tando (@tando_me) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/tando_me\/status\/2054209322217808292?ref_src=twsrc%5Etfw\">May 12, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\r\n<p>Il ne s&rsquo;agit pas d&rsquo;une simple application crypto suppl\u00e9mentaire ; ce projet d\u00e9montre comment le <strong>Lightning Network<\/strong> de Bitcoin peut gagner du terrain en s&rsquo;appuyant sur des infrastructures de paiement d\u00e9j\u00e0 \u00e9tablies. Alors que les grands op\u00e9rateurs de transfert de fonds \u00e9tudient les options li\u00e9es aux stablecoins, les startups natives de Lightning au Kenya cherchent \u00e0 s&rsquo;implanter solidement avant l&rsquo;arriv\u00e9e de ces alternatives sur le march\u00e9.<\/p>\r\n<p>L&rsquo;op\u00e9rateur qui r\u00e9ussira \u00e0 garantir une liquidit\u00e9 fiable sur le corridor Lightning-M-Pesa pourrait bien d\u00e9finir les standards de frais pour les transferts de fonds en Afrique de l&rsquo;Est, r\u00e9duisant ainsi les co\u00fbts historiquement \u00e9lev\u00e9s des services de virement traditionnels.<\/p>\r\n\r\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.coinspeaker.com\/fr\/wp-content\/uploads\/sites\/6\/2026\/05\/content-img-1-3.jpg\" alt=\"\" \/><\/figure>\r\n\r\n<p>(<a href=\"https:\/\/www.tradingview.com\/symbols\/BTCUSD\/\" target=\"_blank\" rel=\"noopener\">SOURCE: TradingView<\/a>)<\/p>\r\n<h2>Actualit\u00e9 Bitcoin : Le fonctionnement technique du m\u00e9canisme de r\u00e8glement Tando entre Lightning et M-Pesa<\/h2>\r\n<p>Le m\u00e9canisme fonctionne de la mani\u00e8re suivante : un exp\u00e9diteur situ\u00e9 hors du Kenya utilise un portefeuille compatible Lightning (tels que Phoenix, Blink, Machankura, Strike, Bitkit, Zeus, Breeze ou Wallet of Satoshi) et envoie un paiement en Bitcoin vers un num\u00e9ro de t\u00e9l\u00e9phone kenyan enregistr\u00e9 sur <strong>M-Pesa<\/strong>. Tando g\u00e9n\u00e8re une facture Lightning, re\u00e7oit le paiement, le convertit en shillings kenyans au taux de change actuel, et d\u00e9pose le montant sur le compte M-Pesa du destinataire via l&rsquo;API de Safaricom.<\/p>\r\n<p>Le destinataire n&rsquo;interagit qu&rsquo;avec M-Pesa, recevant un cr\u00e9dit de monnaie mobile semblable \u00e0 un transfert domestique. Gitau, cofondateur de Tando, pr\u00e9cise que l&rsquo;entreprise ne contr\u00f4le pas les fonds des utilisateurs, agissant comme un \u00ab pont facilitant le transfert de valeur \u00bb plut\u00f4t que comme un service de garde (custodial).<\/p>\r\n<p>Des tests ind\u00e9pendants de la version b\u00eata indiquent qu&rsquo;il n&rsquo;y a pas de frais suppl\u00e9mentaires pour les utilisateurs au-del\u00e0 des tarifs standards de M-Pesa, Tando absorbant les co\u00fbts durant la phase d&rsquo;adoption. Cependant, les examinateurs ont not\u00e9 deux lacunes en termes d&rsquo;exp\u00e9rience utilisateur (UX) : l&rsquo;application n&rsquo;affiche pas le nom du destinataire avant la confirmation, une \u00e9tape cruciale pour la pr\u00e9vention de la fraude, et ne supporte actuellement que le shilling kenyan. L&rsquo;architecture non-custodiale de Tando la distingue d&rsquo;anciens services comme BitPesa, qui fonctionnait comme un interm\u00e9diaire d\u00e9positaire avant de devenir AZA Finance.<\/p>\r\n<h2>Le paysage concurrentiel au Kenya : ce que le pont Lightning r\u00e9v\u00e8le sur l&rsquo;infrastructure des transferts<\/h2>\r\n<p><iframe loading=\"lazy\" title=\"Bitcoin is introduced into Africa&#039;s largest slum, with risks and rewards\" width=\"474\" height=\"267\" src=\"https:\/\/www.youtube.com\/embed\/oqREM62cAqk?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<p>Le Kenya fait figure de march\u00e9 test critique pour l&rsquo;int\u00e9gration entre Lightning et le mobile money, avec 73 % des adultes utilisant M-Pesa. Cette domination signifie que tout protocole de paiement capable de se d\u00e9nouer sur M-Pesa peut potentiellement atteindre la majorit\u00e9 des Kenyans sans acquisition directe d&rsquo;utilisateurs.<\/p>\r\n<p>Par ailleurs, d&rsquo;autres services concurrents comme Machankura, lanc\u00e9 en 2022, permettent aux utilisateurs de t\u00e9l\u00e9phones classiques (feature phones) d&rsquo;envoyer et de recevoir du Bitcoin via USSD. De son c\u00f4t\u00e9, Strike est entr\u00e9 sur le march\u00e9 africain en 2023, se concentrant sur les transferts entre les \u00c9tats-Unis et l&rsquo;Afrique, mais sans l&rsquo;ancrage sp\u00e9cifique \u00e0 M-Pesa que propose Tando.<\/p>\r\n<p>Le succ\u00e8s de cette int\u00e9gration d\u00e9pendra du maintien d&rsquo;une liquidit\u00e9 suffisante sur le r\u00e9seau Lightning, particuli\u00e8rement lors des pics de transfert de fonds. Si Tando ne parvient pas \u00e0 g\u00e9rer ces hausses de demande, la confiance des utilisateurs habitu\u00e9s \u00e0 l&rsquo;instantan\u00e9it\u00e9 de M-Pesa pourrait s&rsquo;\u00e9roder.<\/p>\r\n<p>La position prudente de la <strong>Banque Centrale du Kenya<\/strong> vis-\u00e0-vis des cryptomonnaies depuis 2015 ajoute une couche de complexit\u00e9, bien que l&rsquo;architecture de Tando puisse \u00eatre per\u00e7ue diff\u00e9remment du trading direct d&rsquo;actifs num\u00e9riques.<\/p>\r\n<p>Tando et ses partenaires pr\u00e9voient de s&rsquo;\u00e9tendre au-del\u00e0 du Kenya vers le reste de l&rsquo;Afrique de l&rsquo;Est, signalant que le Lightning Network de Bitcoin pourrait s&rsquo;int\u00e9grer durablement dans un r\u00e9seau de paiement grand public gr\u00e2ce \u00e0 M-Pesa.<\/p><a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/clarity-act-rallye-de-hype-et-prevente-liquid\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>L&rsquo;application Tando permet d&rsquo;envoyer du Bitcoin via le Lightning Network vers 40 millions de num\u00e9ros M-Pesa au Kenya, sans portefeuille crypto requis.<\/p>\n","protected":false},"author":200,"featured_media":22040,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-22042","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>Bitcoin : Tando connecte le Lightning Network \u00e0 M-Pesa au Kenya<\/title>\n<meta name=\"description\" content=\"Tando permet d&#039;envoyer du Bitcoin via le Lightning Network vers 40 millions de num\u00e9ros M-Pesa au Kenya, sans portefeuille crypto 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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. 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