{"id":15609,"date":"2025-11-25T11:00:59","date_gmt":"2025-11-25T11:00:59","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=15609"},"modified":"2025-11-25T11:21:21","modified_gmt":"2025-11-25T11:21:21","slug":"stablecoins-risque-systeme-financier-bce","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/stablecoins-risque-systeme-financier-bce\/","title":{"rendered":"Les stablecoins pourraient d\u00e9stabiliser le syst\u00e8me financier d&rsquo;apr\u00e8s la BCE"},"content":{"rendered":"<p><strong>La Banque centrale europ\u00e9enne (BCE)<\/strong> a tir\u00e9 la sonnette d\u2019alarme : les stablecoins, ces cryptomonnaies adoss\u00e9es \u00e0 des monnaies traditionnelles, pourraient menacer la <strong>stabilit\u00e9 financi\u00e8re.<\/strong> Dans son dernier rapport, elle rappelle que leur croissance rapide, leur interconnexion avec la finance classique et leur usage croissant rendent n\u00e9cessaires une surveillance renforc\u00e9e. Bien que leur part dans l\u2019\u00e9conomie europ\u00e9enne reste mod\u00e9r\u00e9e, la BCE identifie plusieurs sc\u00e9narios de risque qu\u2019elle juge cr\u00e9dibles.<\/p>\n<h2><span id=\"une_menace_sous_plusieurs_angles\">Une menace sous plusieurs angles<\/span><\/h2>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Do stablecoins make Europe less financially stable?<\/p>\n<p>They can cause volatility if their values sharply deviate from underlying asset prices or if investors withdraw funds rapidly.<\/p>\n<p>Read our Financial Stability Review to find out how regulation can help.<\/p>\n<p>\u2014 European Central Bank (@ecb) <a href=\"https:\/\/twitter.com\/ecb\/status\/1992904937752432766?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener noreferrer\">November 24, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p><a href=\"https:\/\/www.ecb.europa.eu\/press\/financial-stability-publications\/fsr\/focus\/2025\/html\/ecb.fsrbox202511_05~63636227b4.en.html\" target=\"_blank\" rel=\"noopener noreferrer\">La BCE \u00e9voque d\u2019abord<\/a> le risque de \u00ab run \u00bb rapide sur un stablecoin majeur. Si les investisseurs perdent confiance en la capacit\u00e9 d\u2019une monnaie stable \u00e0 maintenir sa parit\u00e9, cela pourrait d\u00e9clencher des sorties massives. Ces retraits exigeraient une <strong><a href=\"https:\/\/icobench.com\/fr\/news\/bitcoin-liquidations-record-niveaux-ftx\/\" rel=\"\">liquidation pr\u00e9cipit\u00e9e d\u2019actifs<\/a><\/strong> de r\u00e9serve, ce qui, selon le rapport, pourrait secouer les march\u00e9s obligataires am\u00e9ricains. La bancarisation de ces actifs renforce la pr\u00e9occupation : certains \u00e9metteurs de stablecoins d\u00e9tiennent des bons du Tr\u00e9sor ou placent des fonds dans les march\u00e9s mon\u00e9taires, un mode de fonctionnement proche de celui des fonds de march\u00e9 mon\u00e9taire classiques.<\/p>\n<p>Ensuite, la BCE interroge l\u2019impact sur les d\u00e9p\u00f4ts bancaires. Elle souligne qu\u2019une migration des fonds des banques vers des stablecoins r\u00e9duirait une source de financement cl\u00e9 pour les \u00e9tablissements traditionnels. Cela pourrait contraindre les banques \u00e0 recourir \u00e0 des <strong>financements plus co\u00fbteux<\/strong> ou plus instables, augmentant leur fragilit\u00e9.<\/p>\n<p>Enfin, la r\u00e9glementation et la fragmentation internationale alimentent l\u2019incertitude. La BCE rappelle que la plupart des stablecoins sont <strong>\u00e9mis hors de l\u2019eurozone<\/strong> et que les r\u00e8gles divergent selon les juridictions. En cons\u00e9quence, un \u00e9metteur transfrontalier pourrait profiter de l\u2019arbitrage r\u00e9glementaire, compliquant l\u2019intervention des superviseurs europ\u00e9ens.<\/p>\n<h2><span id=\"pourquoi_cette_alerte_alors_que_les_volumes_restent_limites\">Pourquoi cette alerte alors que les volumes restent limit\u00e9s ?<\/span><\/h2>\n<p>La part des <strong><a href=\"https:\/\/icobench.com\/fr\/news\/meilleurs-stablecoins-euro-2025\/\" rel=\"\">stablecoins adoss\u00e9s \u00e0 l\u2019euro<\/a><\/strong> demeure tr\u00e8s faible, quelques centaines de millions d\u2019euros, et leur usage r\u00e9el pour la finance de d\u00e9tail en Europe reste marginal. Cependant, la BCE estime que la dynamique actuelle plaide pour la <strong>pr\u00e9vention<\/strong> : face \u00e0 une croissance rapide, les vuln\u00e9rabilit\u00e9s structurelles doivent \u00eatre anticip\u00e9es.<\/p>\n<p>De plus, elle observe que deux grands stablecoins dominent le march\u00e9 mondial. Cette concentration augmente <strong>l\u2019exposition syst\u00e9mique<\/strong> possible. Bien que les flux directs vers l\u2019eurozone restent modestes, la BCE voit un risque d\u2019\u00ab effet secondaire \u00bb : une crise sur un stablecoin pourrait se propager aux banques, aux march\u00e9s de capitaux ou aux infrastructures de paiement. De son c\u00f4t\u00e9, la <a href=\"https:\/\/icobench.com\/fr\/news\/bce-euro-numerique-premiere-emission-2029\/\" rel=\"\">BCE avance \u00e9galement sur l\u2019euro num\u00e9rique et vise une premi\u00e8re \u00e9mission en 2029<\/a>.<\/p>\n<h2><span id=\"pepenode_une_opportunite_dans_un_univers_crypto_regule\">Pepenode : une opportunit\u00e9 dans un univers crypto r\u00e9gul\u00e9<\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-15610 size-full\" src=\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/11\/Capture-decran-2025-11-25-114050.png\" alt=\"Les stablecoins pourraient d\u00e9stabiliser le syst\u00e8me financier d'apr\u00e8s la BCE\" width=\"1909\" height=\"908\" srcset=\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/11\/Capture-decran-2025-11-25-114050.png 1909w, https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/11\/Capture-decran-2025-11-25-114050-300x143.png 300w, https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/11\/Capture-decran-2025-11-25-114050-1024x487.png 1024w, https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/11\/Capture-decran-2025-11-25-114050-768x365.png 768w, https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/11\/Capture-decran-2025-11-25-114050-130x63.png 130w, https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/11\/Capture-decran-2025-11-25-114050-1536x731.png 1536w, https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/11\/Capture-decran-2025-11-25-114050-1568x746.png 1568w\" sizes=\"(max-width: 1909px) 100vw, 1909px\"><\/p>\n<p>Dans un contexte o\u00f9 les stablecoins attirent l\u2019attention des r\u00e9gulateurs, le projet <a href=\"https:\/\/icobench.com\/fr\/visit\/pepenode\" target=\"_blank\" rel=\"noopener nofollow\">Pepenode<\/a> appara\u00eet comme <strong>un acteur crypto \u00e0 surveiller<\/strong>. Son whitepaper pr\u00e9sente un token avec une infrastructure d\u00e9centralis\u00e9e. Pepenode se destine \u00e0 connecter cr\u00e9ateurs, communaut\u00e9s et plateformes via un r\u00e9seau modulable. Il propose notamment des services de gouvernance, des r\u00e9compenses pour participants et une int\u00e9gration cross-chain.<\/p>\n<p>Alors que le d\u00e9bat sur les stablecoins se concentre sur la r\u00e9gulation et la stabilit\u00e9 financi\u00e8re, Pepenode, qui a <a href=\"https:\/\/icobench.com\/fr\/news\/pepenode-franchit-bientot-les-2m-de-dollars-en-prevente\/\" rel=\"\">lev\u00e9 pr\u00e8s de 2 millions de dollars en pr\u00e9vente<\/a>, illustre l\u2019autre versant du Web3 : celui de la <strong>participation, de l\u2019utilit\u00e9 et de la gouvernance communautaire<\/strong>. Investisseurs et curieux peuvent y trouver une alternative num\u00e9rique porteuse dans un environnement o\u00f9 les actifs stables font l\u2019objet d\u2019un contr\u00f4le accru.<\/p>\n<div style=\"background: #00DBC1;margin: auto;width: 50%;text-align: center;padding: 8px;border-radius: 5px;background-image: linear-gradient(107deg,#00DBC1,#00E676);color: white;font-size: 16px\"><a style=\"text-decoration: none;color: white\" href=\"https:\/\/icobench.com\/fr\/visit\/pepenode\" target=\"_blank\" rel=\"noopener nofollow\">Acheter Pepenode<\/a><\/div>\n<p style=\"text-align: center\"><em>Les crypto-actifs repr\u00e9sentent un investissement risqu\u00e9.<\/em><\/p>\n<hr>\n<p class=\"disclaimer-rw\"><em>Cet article ne constitue pas un conseil en investissement. Les informations pr\u00e9sent\u00e9es ici ne doivent pas \u00eatre utilis\u00e9es comme base de d\u00e9cision financi\u00e8re. Les investissements en cryptomonnaie comportent des risques et peuvent entra\u00eener des pertes importantes. Il convient d\u2019investir uniquement ce que vous pouvez vous permettre de perdre et d\u2019effectuer vos propres recherches avant toute d\u00e9cision.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Banque centrale europ\u00e9enne (BCE) a tir\u00e9 la sonnette d\u2019alarme : les stablecoins, ces cryptomonnaies adoss\u00e9es \u00e0 des monnaies&#8230;<\/p>\n","protected":false},"author":245,"featured_media":15612,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-15609","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Les stablecoins pourraient d\u00e9stabiliser le syst\u00e8me financier 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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\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Les stablecoins pourraient d\u00e9stabiliser le syst\u00e8me financier d'apr\u00e8s la BCE","description":"La Banque centrale europ\u00e9enne alerte sur les risques que posent les stablecoins pour le syst\u00e8me bancaire et les march\u00e9s.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/icobench.com\/fr\/news\/stablecoins-risque-systeme-financier-bce\/","og_locale":"fr_FR","og_type":"article","og_title":"Les stablecoins pourraient d\u00e9stabiliser le syst\u00e8me financier d'apr\u00e8s la BCE","og_description":"La Banque centrale europ\u00e9enne alerte sur les risques que posent les stablecoins pour le syst\u00e8me 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