{"id":159683,"date":"2025-07-19T16:00:00","date_gmt":"2025-07-19T16:00:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/?p=159683"},"modified":"2025-07-19T16:00:00","modified_gmt":"2025-07-19T16:00:00","slug":"wall-street-se-lance-dans-les-stablecoins","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/wall-street-se-lance-dans-les-stablecoins\/","title":{"rendered":"Wall Street se lance dans les stablecoins"},"content":{"rendered":"<p>Pendant longtemps, les grandes banques de Wall Street ont observ\u00e9 les cryptos de loin. Trop risqu\u00e9, trop flou, trop volatile. Mais depuis l\u2019adoption du <strong>Genius Act<\/strong>, tout a chang\u00e9. JPMorgan, Citi, Goldman Sachs\u2026 les g\u00e9ants de la finance se lancent dans les stablecoins. Et cette fois, c\u2019est du s\u00e9rieux.<\/p><h2 class=\"wp-block-heading\"><span id=\"h-le-genius-act-feu-vert-pour-les-banques\">Le Genius Act : feu vert pour les banques<\/span><\/h2><span class=\"replacer\"><\/span><p>Le <strong>Genius Act<\/strong>, <a href=\"https:\/\/cryptonews.com\/fr\/news\/loi-genius-adoptee-xrp-et-eth-en-sortent-gagnants\/?utm_source=chatgpt.com\">vot\u00e9 ce mois de juillet 2025<\/a>, est une loi historique pour les cryptos aux \u00c9tats-Unis. Elle pose enfin un cadre clair pour les stablecoins.<br>Voici ce qu\u2019elle impose :<\/p><ul class=\"wp-block-list\">\n<li>Chaque stablecoin doit \u00eatre <strong>adoss\u00e9 \u00e0 100\u202f% par des r\u00e9serves en dollars<\/strong>.<\/li>\n\n\n\n<li>Les \u00e9metteurs doivent fournir <strong>des audits r\u00e9guliers<\/strong>.<\/li>\n\n\n\n<li>Il est <strong>interdit de verser des int\u00e9r\u00eats<\/strong> sur ces stablecoins.<\/li>\n\n\n\n<li>Et surtout, tout le syst\u00e8me est <strong>plac\u00e9 sous supervision f\u00e9d\u00e9rale<\/strong>.<\/li>\n<\/ul><p>En clair : fini le flou juridique. Gr\u00e2ce \u00e0 cette loi, les banques ont d\u00e9sormais <strong>les r\u00e8gles du jeu<\/strong>. Et elles ne comptent pas rester sur la touche.<\/p><h2 class=\"wp-block-heading\"><span id=\"h-les-geants-de-wall-street-se-lancent\">Les g\u00e9ants de Wall Street se lancent<\/span><\/h2><span class=\"replacer\"><\/span><div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Les grandes banques am\u00e9ricaines <strong>n&#8217;ont pas tard\u00e9 \u00e0 r\u00e9agir<\/strong>. Chacune avance \u00e0 son rythme, mais toutes affichent d\u00e9sormais une volont\u00e9 plus ou moins claire de s\u2019impliquer dans le secteur des stablecoins.<\/p>\n\n\n\n<p><strong>JPMorgan :<\/strong> Jamie Dimon l\u2019a confirm\u00e9 : la banque veut aller plus loin avec les stablecoins. Elle travaille d\u00e9j\u00e0 sur un <strong>&#8220;deposit token&#8221;<\/strong>, et pr\u00e9voit d\u2019\u00e9largir son offre pour faciliter les paiements interbancaires et internationaux.<\/p>\n\n\n\n<p><strong>Citigroup :<\/strong> Citi a lanc\u00e9 un service baptis\u00e9 <strong>Citi Token Services<\/strong>, qui permet de faire des transferts en tokens internes. Sa CEO Jane Fraser envisage m\u00eame d\u2019\u00e9mettre un stablecoin officiel dans les mois qui viennent.<\/p>\n\n\n\n<p><strong>Goldman Sachs<\/strong> : Plus discret pour l\u2019instant, Goldman a mis en place <strong>des \u00e9quipes sp\u00e9cialis\u00e9es<\/strong>. L\u2019objectif : \u00e9valuer les opportunit\u00e9s et pr\u00e9parer un lancement en douceur.<\/p>\n\n\n\n<p><strong>Bank of America<\/strong> : La banque teste des solutions en partenariat avec d\u2019autres acteurs. Pour l\u2019instant, <strong>elle n\u2019observe pas encore <\/strong><strong>une forte demande client<\/strong>, mais elle se pr\u00e9pare en coulisses.<\/p>\n\n\n\n<p><strong>Morgan Stanley : <\/strong>Encore prudente, Morgan Stanley observe les tendances et <strong>n\u2019a pas encore pris de d\u00e9cision<\/strong>. Mais son int\u00e9r\u00eat est bien r\u00e9el.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">JPMorgan&#39;s Stablecoin Play<br><br>The bank eyes a Fed-backed stablecoin pilot after the GENIUS Act clears the runway for regulated digital cash experiments<\/p>&mdash; babru (@xbabru) <a href=\"https:\/\/twitter.com\/xbabru\/status\/1946497710078497134?ref_src=twsrc%5Etfw\">July 19, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n<\/div><\/div><h2 class=\"wp-block-heading\"><span id=\"h-pourquoi-maintenant\">Pourquoi maintenant ?<\/span><\/h2><span class=\"replacer\"><\/span><p>Les stablecoins offrent <strong>ce que les virements traditionnels n\u2019ont pas<\/strong> :<\/p><ul class=\"wp-block-list\">\n<li>Des paiements plus rapides.<\/li>\n\n\n\n<li>Moins de frais.<\/li>\n\n\n\n<li>Pas de fronti\u00e8re ni d\u2019horaires bancaires.<\/li>\n<\/ul><p>Pour les banques, c\u2019est aussi une mani\u00e8re de <strong>conserver leur pouvoir<\/strong> face aux start-ups crypto et aux projets comme PayPal USD ou USDC. Et avec un cadre l\u00e9gal enfin stable, elles peuvent innover sans crainte.<\/p><h2 class=\"wp-block-heading\"><span id=\"h-les-risques-a-surveiller\">Les risques \u00e0 surveiller<\/span><\/h2><span class=\"replacer\"><\/span><p>M\u00eame si les <a href=\"https:\/\/cryptonews.com\/fr\/news\/usdt-menace-par-le-genius-act-vers-un-effondrement-du-marche\/\">stablecoins sont r\u00e9gul\u00e9s<\/a>, tout n\u2019est pas rose :<\/p><ul class=\"wp-block-list\">\n<li>Certains experts s\u2019inqui\u00e8tent du <strong>risque de panique bancaire<\/strong> en cas de retrait massif.<\/li>\n\n\n\n<li>Il n\u2019y a <strong>pas de garantie FDIC<\/strong> pour les d\u00e9tenteurs de stablecoins.<\/li>\n\n\n\n<li>Et la <strong>transparence sur les r\u00e9serves<\/strong> reste encore un d\u00e9fi.<\/li>\n<\/ul><p>Les r\u00e9gulateurs restent donc tr\u00e8s vigilants, m\u00eame si le mouvement est lanc\u00e9.<\/p><h2 class=\"wp-block-heading\"><span id=\"h-une-nouvelle-ere-pour-la-finance\">Une nouvelle \u00e8re pour la finance ?<\/span><\/h2><span class=\"replacer\"><\/span><p>L\u2019arriv\u00e9e de <a href=\"https:\/\/cryptonews.com\/fr\/news\/etf-spot-ethereum-staking-blackrock-bull-run\/\">Wall Street<\/a> dans les stablecoins change tout. Les banques passent du statut d\u2019observateur \u00e0 celui <strong>d\u2019acteur actif<\/strong> dans la crypto. Elles ne veulent plus subir la r\u00e9volution mon\u00e9taire, <strong>elles veulent la diriger<\/strong>.<\/p><p>Et cela soul\u00e8ve une question : le dollar num\u00e9rique du futur sera-t-il \u00e9mis par la Fed\u2026 <strong>ou par JPMorgan<\/strong> ?<\/p><p>Wall Street entre dans la partie. Apr\u00e8s des ann\u00e9es d\u2019h\u00e9sitation, les banques passent \u00e0 l\u2019action.<br>Et si les stablecoins \u00e9taient le pont parfait entre le vieux monde financier et la r\u00e9volution crypto ? Une chose est s\u00fbre : <strong>la bataille pour le dollar num\u00e9rique ne fait que commencer.<\/strong><\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p>Source : <a href=\"https:\/\/www.businessinsider.com\/wall-street-banks-stablecoin-goldman-jpmorgan-citi-bofa-morgan-stanley-2025-7\" target=\"_blank\" rel=\"noreferrer noopener\">Business Insider<\/a><\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p>Sur le m\u00eame sujet :<\/p><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/loi-genius-adoptee-xrp-et-eth-en-sortent-gagnants\/?utm_source=chatgpt.com\">Loi GENIUS adopt\u00e9e : pourquoi XRP et ETH en sortent gagnants<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/etf-spot-ethereum-staking-blackrock-bull-run\/\">ETF spot ethereum avec staking : BlackRock donne le top d\u00e9part du Bull Run des cryptomonnaies<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/usdt-menace-par-le-genius-act-vers-un-effondrement-du-marche\/\">USDT menac\u00e9 par le GENIUS Act : vers un effondrement du march\u00e9 ? <\/a> <\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Pendant longtemps, les grandes banques de Wall Street ont observ\u00e9 les cryptos de loin. Trop risqu\u00e9, trop flou, trop volatile. Mais depuis l\u2019adoption du Genius Act, tout a chang\u00e9. JPMorgan, Citi, Goldman Sachs\u2026 les g\u00e9ants de la finance se lancent dans les stablecoins. Et cette fois, c\u2019est du s\u00e9rieux.Le Genius Act : feu vert pour [&hellip;]<\/p>\n","protected":false},"author":271,"featured_media":159684,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10,42,1],"tags":[],"editors":[2551],"sponsored_companies":[],"class_list":["post-159683","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-defi-news","category-finance-news","category-news","editors-julien-leroy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Wall Street se lance dans les stablecoins<\/title>\n<meta name=\"description\" content=\"Pendant longtemps, Wall Street a observ\u00e9 les cryptos de loin. Risqu\u00e9, trop volatile... 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