{"id":16624,"date":"2025-12-25T08:30:36","date_gmt":"2025-12-25T08:30:36","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=16624"},"modified":"2025-12-16T14:18:58","modified_gmt":"2025-12-16T14:18:58","slug":"voici-le-calendrier-cache-de-la-cbdc-en-france-et-en-europe-pour-2026","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/voici-le-calendrier-cache-de-la-cbdc-en-france-et-en-europe-pour-2026\/","title":{"rendered":"Voici le calendrier cach\u00e9 de la CBDC en France (et en Europe) pour 2026"},"content":{"rendered":"<p>Le march\u00e9 de la crypto se bat pour la d\u00e9centralisation. Pendant ce temps, les banques centrales europ\u00e9ennes pr\u00e9parent leur contre-attaque : la monnaie num\u00e9rique de la Banque Centrale (CBDC), l\u2019Euro Num\u00e9rique. Apr\u00e8s une phase d\u2019\u00e9tude technique, l\u2019Eurosyst\u00e8me a d\u00e9cid\u00e9, en octobre 2025, de passer \u00e0 la phase de pr\u00e9paration. 2026 est l\u2019ann\u00e9e o\u00f9 tout se joue. C\u2019est durant les douze prochains mois que les fondations r\u00e9glementaires de cet outil de contr\u00f4le seront coul\u00e9es. Les politiciens et les banquiers parlent de souverainet\u00e9 europ\u00e9enne, mais qu\u2019en est-il vraiment ?<\/p>\n<h2><span id=\"le_vote_de_2026_la_porte_dentree_de_la_tracabilite\">Le vote de 2026 : la porte d\u2019entr\u00e9e de la tra\u00e7abilit\u00e9<\/span><\/h2>\n<p><a href=\"https:\/\/www.ecb.europa.eu\/euro\/digital_euro\/html\/index.fr.html\" target=\"_blank\" rel=\"noopener noreferrer\">L\u2019Euro Num\u00e9rique est pr\u00e9sent\u00e9 par la Banque Centrale Europ\u00e9enne (BCE)<\/a> comme un moyen de paiement s\u00fbr qui pr\u00e9servera la <strong>confidentialit\u00e9<\/strong>. Cependant, cette confidentialit\u00e9 est s\u00e9lective, conditionnelle et loin de l\u2019anonymat que nous garantit l\u2019argent liquide.<\/p>\n<p>Le calendrier de la BCE est clair : <strong>l\u2019institution vise l\u2019adoption de la l\u00e9gislation par les col\u00e9gislateurs europ\u00e9ens<\/strong>. Une fois ce r\u00e8glement vot\u00e9, le syst\u00e8me sera l\u00e9gitim\u00e9. Or, la BCE a elle-m\u00eame reconnu qu\u2019un anonymat total n\u2019est pas envisageable dans ce nouveau dispositif.<\/p>\n<p>La tra\u00e7abilit\u00e9 des transactions sera assur\u00e9e par les interm\u00e9diaires financiers. Selon des consultations publiques, <strong>la protection de la vie priv\u00e9e \u00e9tait la pr\u00e9occupation num\u00e9ro un pour 43 % des r\u00e9pondants<\/strong>. Pourtant, le fait m\u00eame d\u2019enregistrer chaque transaction au-del\u00e0 d\u2019un certain seuil met fin \u00e0 la libert\u00e9 financi\u00e8re anonyme que nous connaissons. L\u2019Euro Num\u00e9rique ne remplacera peut-\u00eatre pas les esp\u00e8ces tout de suite, mais il en fera un concurrent digital sup\u00e9rieur en mati\u00e8re de surveillance.<\/p>\n<h2><span id=\"largent_programmable_le_mirage_dune_liberte_conditionnelle\">L\u2019argent programmable : le mirage d\u2019une libert\u00e9 conditionnelle<\/span><\/h2>\n<p>Le concept de \u00ab <em>monnaie programmable<\/em> \u00bb \u00e9tait, au d\u00e9part, une simple exp\u00e9rimentation technique. Aujourd\u2019hui, il est per\u00e7u comme <strong>l\u2019une des peurs les plus palpables et les plus s\u00e9rieuses<\/strong> pour l\u2019avenir des libert\u00e9s individuelles.<\/p>\n<p>Imaginons une monnaie dont l\u2019usage est conditionn\u00e9 par des r\u00e8gles \u00e9dict\u00e9es par la Banque Centrale. Une somme allou\u00e9e pour le transport qui ne pourrait servir qu\u2019\u00e0 cela. Un plafond de d\u00e9pense pour certains produits ou services. C\u2019est l\u2019essence de l\u2019argent programmable. Bien que la BCE assure qu\u2019il n\u2019y aura pas de <em>date de p\u00e9remption<\/em>\u00a0ni de programmation au niveau central, <strong>l\u2019infrastructure elle-m\u00eame rend cette possibilit\u00e9 technique<\/strong>. Des experts ont soulev\u00e9 le risque que la BCE ou des acteurs \u00e9tatiques puissent, \u00e0 l\u2019avenir, bloquer ou diriger l\u2019utilisation de l\u2019argent en cas de d\u00e9passement d\u2019un certain quota.<\/p>\n<p>Si l\u2019argent devient <strong>un simple jeton contr\u00f4l\u00e9 par le pouvoir central<\/strong>, il ne s\u2019agit plus de libert\u00e9 de choix, mais d\u2019une conformit\u00e9 forc\u00e9e. Reste alors une forme de libert\u00e9 conditionnelle.<\/p>\n<h2><span id=\"un_calendrier_glissant\">Un calendrier glissant<\/span><\/h2>\n<p>Le coup de gr\u00e2ce : l\u2019effet d\u2019endormissement. En octobre 2025, la BCE a annonc\u00e9 que l\u2019Euro Num\u00e9rique serait pr\u00eat pour <strong>une \u00e9ventuelle premi\u00e8re \u00e9mission en 2029<\/strong>. L\u2019an 2029, c\u2019est loin. Cela donne l\u2019impression qu\u2019il y a du temps, que le d\u00e9bat n\u2019est pas urgent.<\/p>\n<p>Cependant, l\u2019\u00e9tape critique est l\u2019adoption de la loi en 2026. Une fois le cadre l\u00e9gal b\u00e9tonn\u00e9, il sera presque impossible de revenir en arri\u00e8re. <strong>Le projet passera ensuite \u00e0 la phase pilote \u00e0 la mi-2027<\/strong>, une phase de test technique. L\u2019objectif est de rendre la technologie irr\u00e9versible avant m\u00eame que le public ne comprenne les pleines implications du syst\u00e8me.<\/p>\n<p>Pour l\u2019heure, <strong>l\u2019Euro Num\u00e9rique est un train en marche<\/strong>, et la fen\u00eatre pour influencer sa conception, notamment sur la vie priv\u00e9e et l\u2019absence de programmabilit\u00e9, se ferme avec l\u2019adoption du texte l\u00e9gislatif qui est pr\u00e9vue pour l\u2019ann\u00e9e prochaine.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le march\u00e9 de la crypto se bat pour la d\u00e9centralisation. Pendant ce temps, les banques centrales europ\u00e9ennes pr\u00e9parent leur&#8230;<\/p>\n","protected":false},"author":245,"featured_media":16627,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4,7],"tags":[],"class_list":["post-16624","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-altcoins","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>Voici le calendrier cach\u00e9 de la CBDC en France (et en Europe) pour 2026<\/title>\n<meta name=\"description\" content=\"Les politiciens et les banquiers parlent de souverainet\u00e9 europ\u00e9enne, mais qu&#039;en est-il vraiment avec l&#039;Euro Num\u00e9rique ?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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