{"id":13663,"date":"2025-10-31T10:30:08","date_gmt":"2025-10-31T10:30:08","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=13663"},"modified":"2025-10-31T10:37:31","modified_gmt":"2025-10-31T10:37:31","slug":"bce-euro-numerique-premiere-emission-2029","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/bce-euro-numerique-premiere-emission-2029\/","title":{"rendered":"La BCE avance sur l&rsquo;euro num\u00e9rique et vise une premi\u00e8re \u00e9mission en 2029"},"content":{"rendered":"<p>La BCE passe \u00e0 l\u2019\u00e9tape suivante de <strong>l\u2019euro num\u00e9rique<\/strong>. L\u2019institution veut assurer sa pr\u00eat-\u00e0-produire et fixer un calendrier clair. Si la l\u00e9gislation europ\u00e9enne se finalise en 2026, un pilote pourrait d\u00e9buter en 2027. L\u2019Eurosyst\u00e8me viserait alors une <strong>premi\u00e8re \u00e9mission en 2029<\/strong>. L\u2019objectif est simple : offrir un moyen de paiement public, compl\u00e9mentaire aux esp\u00e8ces, fiable et disponible partout dans la zone euro.<\/p>\n<h2><span id=\"ce_que_la_bce_a_decide_calendrier_objectifs_et_perimetre\">Ce que la BCE a d\u00e9cid\u00e9 : calendrier, objectifs et p\u00e9rim\u00e8tre<\/span><\/h2>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">The euro area is progressing to the next phase of the digital euro project to ensure its technical readiness. If the digital euro legislation is adopted in 2026, a pilot could start in 2027, with the potential issuance of a digital euro in 2029 <a href=\"https:\/\/t.co\/L3M2nypomZ\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/t.co\/L3M2nypomZ<\/a> <a href=\"https:\/\/t.co\/JiK7PvIfU3\" target=\"_blank\" rel=\"noopener noreferrer\">pic.twitter.com\/JiK7PvIfU3<\/a><\/p>\n<p>\u2014 European Central Bank (@ecb) <a href=\"https:\/\/twitter.com\/ecb\/status\/1983854100619129317?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener noreferrer\">October 30, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Il y a quelques semaines, <a href=\"https:\/\/icobench.com\/fr\/news\/euro-numerique-feuille-de-route-ue\/\" rel=\"\">les dirigeants de l\u2019UE avaient d\u00e9j\u00e0 \u00e9tablis une feuille de route<\/a> pour l\u2019euro num\u00e9rique. <a href=\"https:\/\/www.ecb.europa.eu\/press\/pr\/date\/2025\/html\/ecb.pr251030~8c5b5beef0.en.html\" target=\"_blank\" rel=\"noopener noreferrer\">Le Conseil des gouverneurs a valid\u00e9<\/a> l\u2019<strong>entr\u00e9e dans une phase technique<\/strong>. Elle couvre la mise en place des fondations du syst\u00e8me, les tests et l\u2019engagement march\u00e9 avec banques, fintechs et commer\u00e7ants. La d\u00e9cision d\u2019\u00e9mettre viendra plus tard, apr\u00e8s l\u2019adoption du r\u00e8glement europ\u00e9en d\u00e9di\u00e9.<\/p>\n<p>Le s\u00e9quencement est d\u00e9sormais balis\u00e9. D\u2019abord, la loi : <strong>adoption vis\u00e9e en 2026<\/strong>. Ensuite, un pilote et des premi\u00e8res transactions possibles d\u00e8s mi-2027. Enfin, si tout est pr\u00eat, <strong>premi\u00e8re \u00e9mission en 2029<\/strong>. La BCE rappelle le sens du projet : pr\u00e9server le choix des Europ\u00e9ens, prot\u00e9ger la souverainet\u00e9 mon\u00e9taire et moderniser les paiements. L\u2019euro num\u00e9rique compl\u00e9tera le cash, sans le remplacer.<\/p>\n<p>La banque centrale met aussi l\u2019accent sur la <strong>confidentialit\u00e9, la simplicit\u00e9 d\u2019usage et l\u2019inclusion<\/strong>. Elle promet une exp\u00e9rience standardis\u00e9e dans toute la zone euro et des co\u00fbts marchands mieux contenus gr\u00e2ce \u00e0 des r\u00e8gles communes. Enfin, des limites de d\u00e9tention figurent dans le design pour \u00e9viter les risques pour la stabilit\u00e9 financi\u00e8re.<\/p>\n<h2><span id=\"pour_les_particuliers_et_les_commercants_a_quoi_sattendre_concretement\">Pour les particuliers et les commer\u00e7ants : \u00e0 quoi s\u2019attendre concr\u00e8tement ?<\/span><\/h2>\n<p>L\u2019euro num\u00e9rique s\u2019utiliserait comme un <strong>cash digital<\/strong>. Il fonctionnerait en ligne d\u00e8s le d\u00e9part et viserait des <strong>paiements du quotidien<\/strong> : commerce de d\u00e9tail, factures, transferts entre particuliers. C\u00f4t\u00e9 utilisateurs, l\u2019exp\u00e9rience devra rester intuitive : ouverture via leur banque ou leur PSP, application unique, paiements instantan\u00e9s et acceptation harmonis\u00e9e. La BCE veut r\u00e9duire la friction : on-boarding simplifi\u00e9, parcours identiques d\u2019un pays \u00e0 l\u2019autre, et interop\u00e9rabilit\u00e9 avec les solutions priv\u00e9es.<\/p>\n<p>C\u00f4t\u00e9 commer\u00e7ants, l\u2019euro num\u00e9rique viserait \u00e0 <strong>baisser les co\u00fbts et \u00e0 accro\u00eetre la concurrence<\/strong> dans l\u2019acceptation. Les standards ouverts permettront aux prestataires de paiement d\u2019op\u00e9rer \u00e0 l\u2019\u00e9chelle europ\u00e9enne, sans multiplier les r\u00e9seaux propri\u00e9taires. Cela peut \u00e9largir l\u2019acceptation, fluidifier les remboursements et s\u00e9curiser la compensation. \u00c0 terme, les acteurs priv\u00e9s pourraient co-badger l\u2019euro num\u00e9rique avec leurs solutions, pour unifier l\u2019exp\u00e9rience en magasin et en ligne.<\/p>\n<p>Enfin, la BCE insiste sur la <strong>compl\u00e9mentarit\u00e9 avec les esp\u00e8ces<\/strong>. Elle soutient parall\u00e8lement le droit de payer en cash et la modernisation des billets. Le message est clair : plus de choix, pas moins. Dans ce cadre, l\u2019euro num\u00e9rique servirait d\u2019ancre publique au milieu d\u2019une offre priv\u00e9e foisonnante, y compris face aux stablecoins. Il y a peu, <a href=\"https:\/\/icobench.com\/fr\/news\/cipollone-euro-numerique-panne-majeure\/\" rel=\"\">Piero Cipollone estimait que l\u2019euro num\u00e9rique serait n\u00e9cessaire en cas de panne majeure<\/a>.<\/p>\n<h2><span id=\"prochaines_etapes_et_defis_loi_couts_gouvernance\">Prochaines \u00e9tapes et d\u00e9fis : loi, co\u00fbts, gouvernance<\/span><\/h2>\n<p>Plusieurs chantiers restent d\u00e9terminants. Premi\u00e8rement, <strong>le l\u00e9gislatif<\/strong> : le texte europ\u00e9en doit fixer les droits et devoirs des acteurs, la protection des donn\u00e9es et les r\u00e8gles d\u2019acceptation. Tant que la loi n\u2019est pas adopt\u00e9e, la BCE pr\u00e9pare, mais n\u2019\u00e9met pas. Deuxi\u00e8mement, <strong>la technique<\/strong> : architecture modulaire, mont\u00e9e en charge graduelle, s\u00e9curit\u00e9 de bout en bout, et pilotes avec les r\u00e9seaux existants. Troisi\u00e8mement, <strong>la gouvernance<\/strong> : un r\u00f4le clair pour banques et PSP dans la distribution, avec des incitations adapt\u00e9es.<\/p>\n<p>La BCE chiffre aussi l\u2019effort. Les <strong>co\u00fbts de d\u00e9veloppement<\/strong> jusqu\u2019\u00e0 la premi\u00e8re \u00e9mission sont \u00e9valu\u00e9s \u00e0 environ <strong>1,3 milliard d\u2019euros<\/strong>. Puis, \u00e0 partir de 2029, les <strong>co\u00fbts annuels<\/strong> d\u2019exploitation atteindraient environ <strong>320 millions<\/strong>. Comme pour les billets, l\u2019Eurosyst\u00e8me supporterait ces co\u00fbts, compens\u00e9s \u00e0 terme par le seigneuriage.<\/p>\n<p>Reste l\u2019acceptation. Les Europ\u00e9ens attendent une exp\u00e9rience simple et une confidentialit\u00e9 robuste. Les commer\u00e7ants veulent des tarifs pr\u00e9visibles et une int\u00e9gration facile. Si les pilotes 2027 confirment ces promesses, la <strong>premi\u00e8re \u00e9mission en 2029<\/strong> deviendra cr\u00e9dible. Dans le cas contraire, le calendrier devra s\u2019ajuster. D\u2019ici l\u00e0, le cap est pos\u00e9 : un euro public, num\u00e9rique et utilisable partout dans la zone euro.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La BCE passe \u00e0 l\u2019\u00e9tape suivante de l\u2019euro num\u00e9rique. L\u2019institution veut assurer sa pr\u00eat-\u00e0-produire et fixer un calendrier clair&#8230;.<\/p>\n","protected":false},"author":245,"featured_media":13688,"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-13663","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La BCE avance sur l&#039;euro num\u00e9rique et vise une premi\u00e8re \u00e9mission en 2029<\/title>\n<meta name=\"description\" content=\"La BCE passe \u00e0 la phase technique du projet d\u2019euro num\u00e9rique. 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