{"id":3360,"date":"2025-07-21T10:00:41","date_gmt":"2025-07-21T10:00:41","guid":{"rendered":"https:\/\/www.coinspeaker.com\/fr\/?p=3360"},"modified":"2025-07-21T10:02:02","modified_gmt":"2025-07-21T10:02:02","slug":"genius-act-limiter-lemprise-wall-street-big-tech-stablecoins","status":"publish","type":"post","link":"https:\/\/www.coinspeaker.com\/fr\/genius-act-limiter-lemprise-wall-street-big-tech-stablecoins\/","title":{"rendered":"Le GENIUS Act veut limiter l\u2019emprise de Wall Street et Big Tech sur les stablecoins"},"content":{"rendered":"<h2>Le GENIUS Act ouvre une nouvelle \u00e8re pour la r\u00e9gulation crypto aux \u00c9tats-Unis<\/h2>\n<p>Le <a rel=\"noopener noreferrer\" href=\"https:\/\/www.congress.gov\/bill\/119th-congress\/senate-bill\/394\/text\" target=\"_blank\">GENIUS Act<\/a>, le projet de loi sur les cryptomonnaies est d\u00e9sormais<strong> transmis au pr\u00e9sident Donald Trump<\/strong>.<\/p>\n<p>Cette avanc\u00e9e l\u00e9gislative historique pour le secteur des cryptomonnaies marque un revirement radical par rapport aux derni\u00e8res ann\u00e9es. Pendant longtemps, le secteur a souffert de la r\u00e9sistance des r\u00e9gulateurs am\u00e9ricains et de l&rsquo;incapacit\u00e9 du Congr\u00e8s \u00e0 <strong>mener \u00e0 bien ses efforts politiques<\/strong>.<\/p>\n<p>La loi fait suite \u00e0 une autre mesure importante prise par la Chambre des repr\u00e9sentants, \u00e0 savoir l&rsquo;adoption du <a rel=\"noopener noreferrer\" href=\"https:\/\/www.congress.gov\/bill\/119th-congress\/house-bill\/3633\" target=\"_blank\">CLARITY Act<\/a>. Ce dernier est un projet de loi qui \u00e9tablira un <strong>ensemble complet de r\u00e8gles pour les march\u00e9s des cryptomonnaies<\/strong>.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">The GENIUS Act passed 308-122. <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/ijVebDHua6\">pic.twitter.com\/ijVebDHua6<\/a><\/p>\n<p>&mdash; Financial Services GOP (@FinancialCmte) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/FinancialCmte\/status\/1945935291992228067?ref_src=twsrc%5Etfw\">July 17, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<h2>La loi GENIUS adopt\u00e9e avec le soutien des deux partis<\/h2>\n<p>Adopt\u00e9e la semaine derni\u00e8re avec plus de 300 voix \u00e0 la Chambre, <a href=\"https:\/\/www.coinspeaker.com\/fr\/trump-signe-loi-genius\/\" target=\"_blank\">la loi GENIUS<\/a> donne au dollar une <strong>puissance fond\u00e9e sur des r\u00e8gles<\/strong>. Elle met de l\u2019ordre dans la course mondiale aux monnaies num\u00e9riques.<\/p>\n<p>La cryptomonnaie obtient enfin ce qu&rsquo;elle voulait. Elle recherchait une l\u00e9gitimation, une voie vers la clart\u00e9 juridique et r\u00e9glementaire aux \u00c9tats-Unis et une <strong>opportunit\u00e9 de concurrence<\/strong>.<\/p>\n<p>Le projet de loi pr\u00e9serve le patchwork des lois \u00e9tatiques sur les transferts d&rsquo;argent pour les \u00e9metteurs dont le seuil est inf\u00e9rieur \u00e0 10 milliards de dollars. Cependant, la loi exige une charte bancaire nationale d\u00e8s que les <strong>actifs d\u00e9passent ce niveau<\/strong>.<\/p>\n<p>La loi interdit les stablecoins r\u00e9mun\u00e9r\u00e9s, impose des normes de divulgation rigoureuses et <strong>introduit des sanctions p\u00e9nales<\/strong> pour les stablecoins non garantis. Les exp\u00e9riences de type Terra sont r\u00e9volues.<\/p>\n<p>Cependant, les d\u00e9tracteurs affirment que l&rsquo;interdiction des rendements pourrait freiner l&rsquo;adoption par les consommateurs et <strong>donner un avantage aux \u00e9metteurs \u00e9trangers<\/strong>. Toutefois, le rendement est une innovation du march\u00e9 secondaire mieux assur\u00e9e par des protocoles financiers d\u00e9centralis\u00e9s une fois que la couche de base est solide comme le roc.<\/p>\n<h2>Les stablecoins se rapprochent de l&rsquo;adoption g\u00e9n\u00e9ralis\u00e9e<\/h2>\n<blockquote class=\"twitter-tweet\" data-width=\"474\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Under the new GENIUS Act, stablecoin issuers can\u2019t offer yield, and that\u2019s a bit anti-consumer.<\/p>\n<p>But <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/ddisparte?ref_src=twsrc%5Etfw\">@ddisparte<\/a> says that\u2019s not the end of the story. <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/t.co\/Z1Yx5YpS5a\">pic.twitter.com\/Z1Yx5YpS5a<\/a><\/p>\n<p>&mdash; Laura Shin (@laurashin) <a rel=\"noopener noreferrer\" target=\"_blank\" rel=\"noopener nofollow sponsored\" href=\"https:\/\/twitter.com\/laurashin\/status\/1946709134264373431?ref_src=twsrc%5Etfw\">July 19, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Les stablecoins sont apparus comme l&rsquo;une des <strong>rares r\u00e9ussites de la cryptographie<\/strong>, attirant l&rsquo;attention des entreprises et des r\u00e9gulateurs.<\/p>\n<p>Les r\u00e9centes informations selon lesquelles Amazon, Walmart et d&rsquo;autres grandes entreprises explorent les paiements en stablecoins ont fait des vagues dans la finance traditionnelle. Ainsi, cela <strong>pousse bri\u00e8vement les volumes de transactions en stablecoins devant ceux de Visa en 2024<\/strong>.<\/p>\n<p>Frank Combay, de Next Generation, a d\u00e9clar\u00e9 que la clart\u00e9 r\u00e9glementaire, en particulier le <a rel=\"noopener noreferrer\" href=\"https:\/\/www.amf-france.org\/fr\/actualites-publications\/actualites\/marches-de-crypto-actifs-publication-du-reglement-europeen-mica\" target=\"_blank\">cadre europ\u00e9en MiCA<\/a>, a lib\u00e9r\u00e9 le <strong>potentiel de croissance des stablecoins<\/strong>. En gros, cela a supprim\u00e9 le plus grand obstacle : l&rsquo;incertitude.<\/p>\n<p>Combay estime que les \u00e9cosyst\u00e8mes de stablecoins peuvent r\u00e9duire les co\u00fbts de transaction de plus de 90 %. Ils attirent de plus en plus l\u2019attention des entreprises et des consommateurs par leur <strong>utilit\u00e9 croissante<\/strong>.<\/p>\n<p>Brad Garlinghouse, PDG de Ripple, pr\u00e9voit une croissance rapide du secteur des stablecoins. Il estime que la capitalisation des stablecoins pourrait <strong>atteindre 2 000 milliards de dollars prochainement<\/strong>.<\/p>\n<hr \/>\n<p>Source : <a rel=\"noopener noreferrer\" href=\"https:\/\/cryptonews.com\/news\/genius-act-includes-clause-to-block-stablecoin-dominance\/\" target=\"_blank\">Crypto News<\/a><\/p>\n<p>\u00c0 lire aussi :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/buterin-soutient-mise-a-lechelle-sure-hausse-limite-gaz\/\">Vitalik Buterin soutient une mise \u00e0 l\u2019\u00e9chelle s\u00fbre avec la hausse de la limite de gaz<\/a><\/li>\n<li><a href=\"https:\/\/www.coinspeaker.com\/fr\/snorter-prevente-avant-lancement-t3-objectif-18-m\/\">Snorter en pr\u00e9vente avant le lancement du T3 \u2013 Objectif 1,8 million de dollars<\/a><\/li>\n<\/ul>\n<a class=\"infinscroll_next_page_link\" style=\"display:none\" href=\"https:\/\/www.coinspeaker.com\/fr\/pengu-bonne-voie-nouvel-ath-devriez-vous-lacheter\/\" rel=\"prev\">next<\/a>","protected":false},"excerpt":{"rendered":"<p>Le GENIUS Act permet aux g\u00e9ants technologiques et aux banques de dominer le march\u00e9 des stablecoins sans se heurter \u00e0 r\u00e8glements stricts.<\/p>\n<p>C\u2019est une mesure de clause Libra, en r\u00e9f\u00e9rence \u00e0 la tentative rat\u00e9e de Meta de lancer une monnaie num\u00e9rique mondiale.<\/p>\n","protected":false},"author":220,"featured_media":3366,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,42],"tags":[],"class_list":["post-3360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu","category-reglementation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Le GENIUS Act veut limiter l\u2019emprise de Wall Street et Big Tech sur les 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