{"id":10226,"date":"2025-09-25T12:00:17","date_gmt":"2025-09-25T12:00:17","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=10226"},"modified":"2025-09-25T11:13:06","modified_gmt":"2025-09-25T11:13:06","slug":"neuf-banques-stablecoin-euro-2026","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/neuf-banques-stablecoin-euro-2026\/","title":{"rendered":"9 banques europ\u00e9ennes s’associent pour \u00e9mettre un stablecoin euro en 2026"},"content":{"rendered":"

L\u2019Europe bouge enfin sur les paiements num\u00e9riques. Neuf banques annoncent un stablecoin en euro<\/strong> conforme MiCA, avec une premi\u00e8re \u00e9mission pr\u00e9vue au second semestre 2026. Le projet s\u2019incarne dans une soci\u00e9t\u00e9 bas\u00e9e aux Pays-Bas, qui visera une licence d\u2019\u00e9tablissement de monnaie \u00e9lectronique aupr\u00e8s de la Banque centrale n\u00e9erlandaise. Objectif affich\u00e9 : un instrument de paiement fiable, rapide et interop\u00e9rable, pens\u00e9 pour l\u2019\u00e9conomie r\u00e9elle.<\/p>\n

Qui participe, et quel calendrier ?<\/span><\/h2>\n

Le consortium<\/a> r\u00e9unit ING, UniCredit, DekaBank, Banca Sella, KBC, Danske Bank, SEB, CaixaBank et Raiffeisen Bank International<\/strong>. Ces acteurs couvrent plusieurs march\u00e9s cl\u00e9s de l\u2019Union. Ensemble, ils veulent poser un standard europ\u00e9en dans un univers domin\u00e9, \u00e0 ce jour, par les stablecoins adoss\u00e9s au dollar<\/a>. Le p\u00e9rim\u00e8tre s\u2019ouvre d\u2019ailleurs \u00e0 d\u2019autres \u00e9tablissements. Le consortium indique rester ouvert \u00e0 de nouveaux membres.<\/p>\n

Le d\u00e9ploiement suivra deux temps. D\u2019abord, la constitution et l\u2019agr\u00e9ment de la soci\u00e9t\u00e9 n\u00e9erlandaise, avec la mise en place de la gouvernance et des contr\u00f4les. Ensuite, la phase d\u2019\u00e9mission cibl\u00e9e 2\u1d49 semestre 2026. Ce calendrier laisse le temps de finaliser l\u2019architecture, d\u2019aligner la conformit\u00e9 MiCA<\/strong> et de pr\u00e9parer les int\u00e9grations bancaires. Ainsi, les banques pourront proposer, d\u00e8s l\u2019origine, des services compl\u00e9mentaires : portefeuille et conservation<\/strong>.<\/p>\n

Pourquoi ce stablecoin maintenant ?<\/span><\/h2>\n

Parce que l\u2019Europe a besoin d\u2019une alternative cr\u00e9dible aux jetons en dollar<\/strong>, omnipr\u00e9sents dans la crypto et, de plus en plus, dans les paiements. Un stablecoin en euro banque-grade permettrait des r\u00e8glements 24\/7, des co\u00fbts moindres et une programmabilit\u00e9 utile aux entreprises. Il am\u00e9liorerait aussi les paiements transfrontaliers au sein du march\u00e9 unique, encore fragment\u00e9s selon les rails actuels.<\/p>\n

\u00ab Les paiements num\u00e9riques sont essentiels pour les nouveaux paiements en euros et l\u2019infrastructure des march\u00e9s financiers. Ils offrent une efficacit\u00e9 et une transparence accrues, gr\u00e2ce aux fonctionnalit\u00e9s de programmabilit\u00e9 de la blockchain et au r\u00e8glement instantan\u00e9 multidevise 24h\/24. Nous pensons que cette \u00e9volution n\u00e9cessite une approche \u00e0 l\u2019\u00e9chelle de l\u2019industrie, et il est imp\u00e9ratif que les banques adoptent les m\u00eames standards \u00bb<\/em>, a d\u00e9clar\u00e9 Floris Lugt, responsable des actifs num\u00e9riques chez ING.<\/p><\/blockquote>\n

Le consortium insiste sur l\u2019int\u00e9r\u00eat collectif, comme le r\u00e9sume Floris Lugt. Autrement dit, l\u2019enjeu d\u00e9passe une banque seule<\/strong>. Il faut converger sur des r\u00e8gles communes, des interfaces compatibles et des preuves techniques partag\u00e9es. Cette approche \u00e9vite les silos et acc\u00e9l\u00e8re l\u2019adoption<\/strong> c\u00f4t\u00e9 marchands, fintechs et infrastructures de march\u00e9.<\/p>\n

Comment fonctionnera le jeton et sous quel cadre ?<\/span><\/h2>\n

Le jeton sera libell\u00e9 en euro et conforme MiCA<\/strong>. La soci\u00e9t\u00e9 d\u2019\u00e9mission visera un statut e-money, gage de convertibilit\u00e9 1:1 et de s\u00e9gr\u00e9gation des fonds. Les banques participantes fourniront la rampe d\u2019acc\u00e8s (achat\/rachat), la conformit\u00e9 KYC\/AML<\/strong>, ainsi que des services \u00e0 valeur ajout\u00e9e, dans leur p\u00e9rim\u00e8tre de licence. Ce sch\u00e9ma ancre le stablecoin dans un cadre europ\u00e9en d\u00e9j\u00e0 balis\u00e9, plut\u00f4t que dans une zone grise r\u00e9glementaire.<\/p>\n

C\u00f4t\u00e9 usage, le consortium met en avant plusieurs cas concrets. D\u2019abord, les paiements instantan\u00e9s entre entreprises et particuliers<\/strong>, sans interruption calendaire. Ensuite, les paiements programmables (escrow, automatisation de factures, logistique). Enfin, les r\u00e8glements d\u2019actifs num\u00e9riques ou tokenis\u00e9s, des titres aux cryptomonnaies. Ces parcours profitent d\u2019une tra\u00e7abilit\u00e9 native, utile pour la r\u00e9conciliation comptable et la lutte contre la fraude.<\/p>\n

\"9<\/p>\n

Quelles cons\u00e9quences pour les banques, les entreprises et les usagers ?<\/span><\/h2>\n

Pour les banques, ce projet cr\u00e9e une brique commune au niveau europ\u00e9en<\/strong>. Elles peuvent rester au centre des paiements num\u00e9riques, tout en \u00e9vitant la d\u00e9pendance \u00e0 des \u00e9metteurs extra-europ\u00e9ens. En parall\u00e8le, elles conservent la relation client<\/strong> et d\u00e9ploient des offres sp\u00e9cialis\u00e9es (portefeuilles, garde, tr\u00e9sorerie tokenis\u00e9e). Ainsi, elles transforment un risque de d\u00e9sinterm\u00e9diation en opportunit\u00e9 d\u2019innovation.<\/p>\n

Pour les entreprises, l\u2019int\u00e9r\u00eat est imm\u00e9diat. Les r\u00e8glements deviennent plus rapides, plus pr\u00e9visibles et interop\u00e9rables<\/strong>. Les \u00e9quipes finance gagnent en visibilit\u00e9 sur les flux. Les int\u00e9grations techniques s\u2019all\u00e8gent si les banques adoptent des standards communs. De fait, les co\u00fbts op\u00e9rationnels peuvent baisser, surtout sur des flux transfrontaliers r\u00e9currents.<\/p>\n

Pour les usagers, l\u2019offre reste simple : un euro num\u00e9rique<\/a> fiable, reconnaissable et rachetable<\/strong>. Les cas d\u2019usage iront du commerce en ligne aux envois entre particuliers, en passant par des solutions marchands int\u00e9gr\u00e9es. Bien s\u00fbr, la protection des donn\u00e9es et la s\u00e9curit\u00e9 resteront centrales. Le cadre e-money impose des exigences strictes en mati\u00e8re de fonds et de contr\u00f4les.<\/p>\n","protected":false},"excerpt":{"rendered":"

L\u2019Europe bouge enfin sur les paiements num\u00e9riques. Neuf banques annoncent un stablecoin en euro conforme MiCA, avec une premi\u00e8re…<\/p>\n","protected":false},"author":245,"featured_media":10239,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-10226","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","entry"],"acf":[],"yoast_head":"\n9 banques europ\u00e9ennes s'associent pour \u00e9mettre un stablecoin euro en 2026<\/title>\n<meta name=\"description\" content=\"Neuf banques europ\u00e9ennes lanceront en 2026 un stablecoin en euro conforme MiCA, sous supervision n\u00e9erlandaise, pour des paiements 24\/7.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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passionn\u00e9 par les crypto-actifs depuis 2020, avec un int\u00e9r\u00eat plus large pour la finance, les innovations technologiques et leur impact sur la soci\u00e9t\u00e9. Curieux et tourn\u00e9 vers l\u2019avenir, il suit de pr\u00e8s les r\u00e9volutions li\u00e9es \u00e0 l\u2019intelligence artificielle et au Web3. Voyageur dans l\u2019\u00e2me, il aime d\u00e9couvrir les cultures du monde et apprendre au contact des gens. Il partage ici une vision accessible et \u00e9clair\u00e9e de l\u2019\u00e9cosyst\u00e8me crypto.","url":"https:\/\/icobench.com\/fr\/author\/nicola\/"}]}},"featured_image_src":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/09\/Wallet-2025-09-25T130124.813-1-600x400.png","featured_image_src_square":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/09\/Wallet-2025-09-25T130124.813-1-600x600.png","author_info":{"display_name":"Jean Rammau","author_link":"https:\/\/icobench.com\/fr\/author\/nicola\/"},"_links":{"self":[{"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/posts\/10226","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/users\/245"}],"replies":[{"embeddable":true,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/comments?post=10226"}],"version-history":[{"count":2,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/posts\/10226\/revisions"}],"predecessor-version":[{"id":10242,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/posts\/10226\/revisions\/10242"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/media\/10239"}],"wp:attachment":[{"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/media?parent=10226"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/categories?post=10226"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/tags?post=10226"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}