{"id":11422,"date":"2025-10-08T13:00:56","date_gmt":"2025-10-08T13:00:56","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=11422"},"modified":"2025-10-08T12:16:30","modified_gmt":"2025-10-08T12:16:30","slug":"bny-mellon-paiements-blockchain-depots-tokenises","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/bny-mellon-paiements-blockchain-depots-tokenises\/","title":{"rendered":"BNY Mellon : La plus grande banque d\u00e9positaire du monde pourrait lancer des paiements via la blockchain"},"content":{"rendered":"<p><strong>BNY Mellon<\/strong> acc\u00e9l\u00e8re sur la blockchain. La banque explore des d\u00e9p\u00f4ts tokenis\u00e9s afin de permettre \u00e0 ses clients d\u2019effectuer des paiements directement sur blockchain. L\u2019initiative s\u2019inscrit dans un vaste chantier de modernisation des paiements instantan\u00e9s et transfrontaliers. Elle vise, \u00e0 terme, des r\u00e8glements plus rapides, moins co\u00fbteux et mieux tra\u00e7ables.<\/p>\n<h2><span id=\"pourquoi_les_depots_tokenises_interessent_bny_mellon\">Pourquoi les d\u00e9p\u00f4ts tokenis\u00e9s int\u00e9ressent BNY Mellon<\/span><\/h2>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">JUST IN: \ud83c\uddfa\ud83c\uddf8 BNY Mellon, the world\u2019s largest custodian bank, explores allowing tokenised deposits and blockchain payments \u2013 Bloomberg. <a href=\"https:\/\/t.co\/BZgAddhktT\" target=\"_blank\" rel=\"noopener noreferrer\">pic.twitter.com\/BZgAddhktT<\/a><\/p>\n<p>\u2014 Whale Insider (@WhaleInsider) <a href=\"https:\/\/twitter.com\/WhaleInsider\/status\/1975524305757765657?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener noreferrer\">October 7, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Chaque jour, BNY Mellon traite environ <strong>2,5 billions de dollars de paiements<\/strong>. Or, ces flux s\u2019appuient encore sur des syst\u00e8mes fragment\u00e9s, avec des d\u00e9lais de compensation et des fen\u00eatres horaires restreintes. Les d\u00e9p\u00f4ts tokenis\u00e9s proposent un autre chemin. Ils num\u00e9risent une cr\u00e9ance bancaire existante et la rendent programmable. D\u00e8s lors, un virement peut se transformer en r\u00e8glement quasi imm\u00e9diat, y compris en dehors des heures ouvr\u00e9es.<\/p>\n<p>Ce choix r\u00e9pond \u00e0 deux besoins. D\u2019une part, les grands clients exigent des paiements 24\/7, notamment pour la tr\u00e9sorerie et le r\u00e8glement-livraison. D\u2019autre part, les banques doivent r\u00e9duire la friction op\u00e9rationnelle et uniformiser leurs parcours techniques. En tokenisant les d\u00e9p\u00f4ts, <strong>BNY Mellon peut faire circuler la valeur \u00e0 l\u2019int\u00e9rieur de son \u00e9cosyst\u00e8me<\/strong> puis, progressivement, entre \u00e9tablissements, \u00e0 mesure que les standards s\u2019alignent. Ainsi, la banque combine exigences de conformit\u00e9 et b\u00e9n\u00e9fices concrets pour les entreprises. D\u2019autres acteurs du secteur bancaire s\u2019int\u00e9resse \u00e0 la blockchain, comme <a href=\"https:\/\/icobench.com\/fr\/news\/visa-pilote-stablecoins-paiements\/\" rel=\"\">Visa pour les paiements internationaux via les stablecoins<\/a>, ou <a href=\"https:\/\/icobench.com\/fr\/news\/swift-teste-migration-systeme-paiement-linea\/\" rel=\"\">Swift qui teste la migration de son syst\u00e8me de paiement vers Linea<\/a>.<\/p>\n<h2><span id=\"ce_qui_est_sur_la_table_et_ce_qui_ne_lest_pas\">Ce qui est sur la table\u2026 et ce qui ne l\u2019est pas<\/span><\/h2>\n<p>\u00c0 ce stade, il s\u2019agit d\u2019une exploration. <a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2025-10-07\/bny-explores-tokenized-deposits-as-blockchain-payments-catch-on\" target=\"_blank\" rel=\"noopener noreferrer\">D\u2019apr\u00e8s Bloomberg<\/a>, <strong>la banque teste des cas d\u2019usage et affine le cadre op\u00e9rationnel<\/strong>. Elle ne lance ni stablecoin public, ni actif sp\u00e9culatif. Le jeton repr\u00e9sente un d\u00e9p\u00f4t bancaire existant, avec les m\u00eames droits et la m\u00eame cr\u00e9ance envers l\u2019\u00e9tablissement. Par cons\u00e9quent, le risque reste celui d\u2019un d\u00e9p\u00f4t traditionnel, encadr\u00e9 par la r\u00e9glementation applicable.<\/p>\n<p>Par ailleurs, BNY Mellon a d\u00e9j\u00e0 multipli\u00e9 les <strong>preuves de concept dans la tokenisation d\u2019actifs financiers<\/strong> (mon\u00e9taires, collat\u00e9ral, parts de fonds). Ce nouveau volet cible le c\u0153ur des paiements. Il doit coexister avec les rails actuels, pas les remplacer du jour au lendemain. En pratique, la banque privil\u00e9giera une mise en production par \u00e9tapes\u2009: flux internes, clients pilotes, puis interop\u00e9rabilit\u00e9 plus large. Cette d\u00e9marche limite le risque op\u00e9rationnel et s\u00e9curise la courbe d\u2019apprentissage.<\/p>\n<h2><span id=\"quels_benefices_pour_les_entreprises_et_les_marches\">Quels b\u00e9n\u00e9fices pour les entreprises et les march\u00e9s<\/span><\/h2>\n<p>Les d\u00e9p\u00f4ts tokenis\u00e9s peuvent <strong>r\u00e9duire le temps de cycle de la tr\u00e9sorerie<\/strong>. Une entreprise r\u00e8gle un fournisseur et constate la bonne fin en quelques instants. Elle diminue les co\u00fbts cach\u00e9s des d\u00e9lais de compensation. Elle automatise des sc\u00e9narios complexes\u2009: escrow, p\u00e9nalit\u00e9s contractuelles, remises, ou paiements conditionnels li\u00e9s \u00e0 un \u00e9v\u00e9nement v\u00e9rifiable. En parall\u00e8le, la tra\u00e7abilit\u00e9 native facilite la r\u00e9conciliation comptable et le suivi des risques.<\/p>\n<p>Les march\u00e9s y trouvent aussi un int\u00e9r\u00eat. <strong>Des r\u00e8glements plus rapides abaissent l\u2019exposition intra-journali\u00e8re<\/strong>. Des flux continus lissent la liquidit\u00e9. Et des interfaces standardis\u00e9es simplifient l\u2019acc\u00e8s des partenaires (banques correspondantes, d\u00e9positaires, chambres). \u00c0 terme, l\u2019interop\u00e9rabilit\u00e9 avec d\u2019autres infrastructures tokenis\u00e9es, titres, parts de fonds, voire d\u00e9p\u00f4ts d\u2019autres \u00e9tablissements, pourrait cr\u00e9er <strong>des boucles de r\u00e8glement plus efficaces<\/strong>. Bien s\u00fbr, cela suppose des standards partag\u00e9s et une coordination \u00e9troite avec les r\u00e9gulateurs.<\/p>\n<h2><span id=\"points_de_vigilance_conformite_interoperabilite_et_securite\">Points de vigilance : conformit\u00e9, interop\u00e9rabilit\u00e9 et s\u00e9curit\u00e9<\/span><\/h2>\n<p>Le succ\u00e8s d\u00e9pendra de trois chantiers. D\u2019abord, <strong>la conformit\u00e9<\/strong>. Les d\u00e9p\u00f4ts tokenis\u00e9s doivent respecter les r\u00e8gles de connaissance client, de lutte contre la fraude et de protection des donn\u00e9es. Ils devront aussi s\u2019int\u00e9grer aux reportings existants, sans surcharge pour les \u00e9quipes finance. Ensuite, <strong>l\u2019interop\u00e9rabilit\u00e9<\/strong>. Un gain maximal n\u2019appara\u00eet que si plusieurs grands acteurs adoptent des formats compatibles et des protocoles communs. Enfin, <strong>la s\u00e9curit\u00e9<\/strong>. La garde des jetons, la gestion des cl\u00e9s et la r\u00e9silience des r\u00e9seaux demeurent centrales. Un incident sur un rail critique aurait des effets en cha\u00eene. La robustesse de production sera donc un crit\u00e8re d\u00e9terminant.<\/p>\n<p>En somme, la trajectoire est claire\u2009: <strong>BNY Mellon veut rapprocher la banque transactionnelle des atouts de la blockchain<\/strong>, sans renoncer au cadre prudentiel. Si les pilotes confirment les attentes, r\u00e8glements plus rapides, co\u00fbts contenus, meilleure visibilit\u00e9, les paiements sur d\u00e9p\u00f4ts tokenis\u00e9s pourraient passer du laboratoire \u00e0 l\u2019\u00e9chelle. Et, avec eux, une nouvelle g\u00e9n\u00e9ration d\u2019infrastructures pour les flux mondiaux.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BNY Mellon acc\u00e9l\u00e8re sur la blockchain. La banque explore des d\u00e9p\u00f4ts tokenis\u00e9s afin de permettre \u00e0 ses clients d\u2019effectuer&#8230;<\/p>\n","protected":false},"author":245,"featured_media":11433,"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-11422","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","hashtags-blockchain","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BNY Mellon : La plus grande banque d\u00e9positaire du monde pourrait lancer des paiements via la blockchain<\/title>\n<meta name=\"description\" content=\"BNY Mellon explore les d\u00e9p\u00f4ts tokenis\u00e9s pour activer des paiements sur blockchain. 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