{"id":15217,"date":"2025-11-18T17:30:27","date_gmt":"2025-11-18T17:30:27","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=15217"},"modified":"2025-11-18T16:59:34","modified_gmt":"2025-11-18T16:59:34","slug":"mastercard-veut-remplacer-adresses-par-pseudos","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/mastercard-veut-remplacer-adresses-par-pseudos\/","title":{"rendered":"Mastercard veut remplacer les adresses par des pseudos"},"content":{"rendered":"<p>Ce n\u2019est un secret pour personne, les erreurs lors des transferts de cryptomonnaies peuvent avoir des cons\u00e9quences d\u00e9vastatrices. L\u2019utilisation des adresses crypto est l\u2019un des <strong>grands obstacles \u00e0 l\u2019adoption des cryptos par le grand public<\/strong>. D\u2019autant plus que les pirates et les arnaqueurs profitent de la mauvaise ma\u00eetrise de cette technologie pour tromper la vigilance des usagers.<\/p>\n<p>Mastercard cherche \u00e0 rem\u00e9dier \u00e0 cette situation en <strong>transformant les adresses crypto alphanum\u00e9riques en pseudonymes<\/strong>. En partenariat avec <strong>Polygon<\/strong> et <strong>Mercuryo<\/strong>, Mastercard souhaite changer les habitudes des crypto-enthousiastes.<\/p>\n<h2><span id=\"mastercard_sassocie_a_polygon_et_mercuryo_pour_des_adresses_crypto_plus_simples\">Mastercard s\u2019associe \u00e0 Polygon et Mercuryo pour des adresses crypto plus simples<\/span><\/h2>\n<p>L\u2019objectif de Mastercard est de cr\u00e9er un syst\u00e8me gr\u00e2ce auquel les adresses crypto traditionnelles feront place \u00e0 des pseudonymes. Ceci devrait permettre de <strong>rendre les transferts de cryptomonnaies plus simples<\/strong> et de r\u00e9duire les erreurs humaines.<\/p>\n<p>https:\/\/twitter.com\/0xPolygon\/status\/1990721720978976958?s=20<\/p>\n<p>Afin de d\u00e9ployer ce syst\u00e8me, <a href=\"https:\/\/mercuryo.io\/explore\/announcements\/send-crypto-with-a-name-mercuryo-x-mastercard-change-the-game-for-transfers\" target=\"_blank\" rel=\"noopener noreferrer\">Mastercard s\u2019est associ\u00e9 \u00e0 Polygon et Mercuryo<\/a>. Le r\u00f4le de Polygon est de lier les nouveaux pseudonymes \u00e0 des adresses on-chain. Tandis que le processeur de paiement Mecuryo sera charg\u00e9 de traiter les transactions <strong>vers les wallets en \u201cself-custody\u201d<\/strong>.<\/p>\n<p>En \u00e9liminant les longues adresses, Mastercard cherche \u00e9galement \u00e0 rendre les transactions crypto plus fiables pour les acteurs institutionnels et pour le grand public. Ceci aura \u00e9galement le m\u00e9rite de rendre <a href=\"https:\/\/icobench.com\/fr\/news\/address-poisoning-arnaque-crypto-revient-mode\/\" rel=\"\">les attaques de type \u201cadress poisoning\u201d<\/a> moins efficaces.<\/p>\n<p>Par-dessus tout, le syst\u00e8me pr\u00e9voit que tous les pseudonymes fassent l\u2019objet d\u2019une <strong>v\u00e9rification d\u2019identit\u00e9 KYC<\/strong>. Autrement dit, les utilisateurs du syst\u00e8me seront <strong>moins expos\u00e9s aux risques de fraude<\/strong>.<\/p>\n<p>Pour b\u00e9n\u00e9ficier de ces pseudonymes, les utilisateurs doivent souscrire \u00e0 un identifiant <a href=\"https:\/\/www.mastercard.com\/global\/en\/business\/payments\/consumer-payments\/next-gen-payments\/digital-asset-solutions\/crypto-credential.html\" target=\"_blank\" rel=\"noopener noreferrer\">Mastercard Crypto Credential<\/a>. Le service est enti\u00e8rement gratuit. Pour l\u2019instant, la fonctionnalit\u00e9 n\u2019est disponible que dans une trentaine de pays. Essentiellement les <strong>\u00c9tats-Unis<\/strong> et <strong>31 autres pays d\u2019Europe<\/strong> dont la <strong>France<\/strong>, la <strong>Belgique<\/strong>, et la <strong>Suisse<\/strong>.<\/p>\n<h2><span id=\"une_innovation_qui_se_heurte_au_besoin_danonymat\">Une innovation qui se heurte au besoin d\u2019anonymat<\/span><\/h2>\n<p>Ce n\u2019est pas la premi\u00e8re fois que des projets crypto s\u2019attaquent aux adresses et cherchent \u00e0 les rendre plus ergonomiques. C\u2019\u00e9tait d\u00e9j\u00e0 le cas de <strong>ENS<\/strong> (<a href=\"https:\/\/ens.domains\/\" target=\"_blank\" rel=\"noopener noreferrer\">Ethereum Name Service<\/a>), par exemple. Le principe est le m\u00eame, m\u00eame si <strong>le mod\u00e8le \u00e9tait limit\u00e9 \u00e0 Ethereum<\/strong>.<\/p>\n<p>Quoi qu\u2019il en soit, l\u2019initiative r\u00e9pond a un <strong>r\u00e9el besoin de la communaut\u00e9 Web3<\/strong>. Ceci dit, elle se heurte quelque peu au besoin d\u2019anonymat de certains utilisateurs. En soi, associer son adresse \u00e0 un pseudonyme ne pr\u00e9sente que des avantages. Cependant, devoir se soumettre \u00e0 <strong>la v\u00e9rification KYC sera certainement une barri\u00e8re \u00e0 l\u2019adoption de ce nouveau syst\u00e8me<\/strong>.<\/p>\n<p>https:\/\/twitter.com\/Mercuryo_io\/status\/1990724815137767778?s=20<\/p>\n<p>De plus, <strong>ces adresses-pseudonymes restent tributaires du service Mercuryo<\/strong>. Autrement dit, perdre l\u2019acc\u00e8s \u00e0 son compte ou le d\u00e9sactiver revient \u00e0 perdre la jouissance du pseudonyme. C\u2019est \u00e9galement le cas du <strong>Soul Bound Token<\/strong>, un NFT non transf\u00e9rable qui indique que l\u2019adresse dispose d\u2019un pseudonyme et a \u00e9t\u00e9 v\u00e9rifi\u00e9e selon les standards de <a href=\"https:\/\/icobench.com\/fr\/news\/mastercard-accelere-integration-stablecoins\/\" rel=\"\">Mastercard<\/a>.<\/p>\n<p>Ceci dit, les acteurs institutionnels et les d\u00e9veloppeurs Web3 pourraient b\u00e9n\u00e9ficier des avantages du syst\u00e8me. En particulier parce qu\u2019il s\u2019agit d\u2019une <strong>preuve d\u2019identit\u00e9 on-chain<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce n\u2019est un secret pour personne, les erreurs lors des transferts de cryptomonnaies peuvent avoir des cons\u00e9quences d\u00e9vastatrices. L\u2019utilisation&#8230;<\/p>\n","protected":false},"author":224,"featured_media":15218,"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-15217","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>Mastercard veut remplacer les adresses par des pseudos<\/title>\n<meta name=\"description\" content=\"Mastercard cherche \u00e0 remplacer les adresses crypto traditionnelles par des pseudonymes plus simples avec l\u2019aide de Polygon et Mercuryo\" \/>\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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