{"id":4180,"date":"2025-07-22T19:00:36","date_gmt":"2025-07-22T19:00:36","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=4180"},"modified":"2025-07-22T15:53:07","modified_gmt":"2025-07-22T15:53:07","slug":"jp-morgan-prets-crypto-bitcoin-ethereum","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/jp-morgan-prets-crypto-bitcoin-ethereum\/","title":{"rendered":"JP\u202fMorgan pourrait accorder des pr\u00eats garantis par Bitcoin et Ethereum"},"content":{"rendered":"

La premi\u00e8re banque des \u00c9tats-Unis franchit une nouvelle \u00e9tape dans l\u2019adoption des cryptomonnaies. Selon le Financial Times<\/em>, JP Morgan<\/strong> \u00e9tudie la possibilit\u00e9 d\u2019accorder des pr\u00eats en dollars adoss\u00e9s \u00e0 des actifs num\u00e9riques comme le Bitcoin (BTC) et l\u2019Ethereum (ETH)<\/strong>. Un projet ambitieux, qui pourrait transformer durablement le paysage bancaire traditionnel.<\/p>\n

JP Morgan explore une nouvelle fronti\u00e8re du cr\u00e9dit<\/span><\/h2>\n

Ce service, encore en phase d\u2019exploration, viserait d\u2019abord les clients institutionnels et fortun\u00e9s de la banque. L\u2019id\u00e9e serait simple : permettre \u00e0 ces clients de contracter un pr\u00eat en utilisant leurs BTC ou ETH comme collat\u00e9ral<\/strong>, sans avoir \u00e0 vendre leurs actifs. Une pratique d\u00e9j\u00e0 courante dans la DeFi, mais encore largement absente des grands \u00e9tablissements bancaires.<\/p>\n

JP Morgan pr\u00e9voirait de structurer ces pr\u00eats<\/a> avec prudence. Les montants pr\u00eat\u00e9s seraient inf\u00e9rieurs \u00e0 la valeur des actifs d\u00e9pos\u00e9s, afin de se pr\u00e9munir contre la volatilit\u00e9 des march\u00e9s. La banque envisage aussi d\u2019instaurer un syst\u00e8me de marges de s\u00e9curit\u00e9, avec une gestion active du risque.<\/p>\n

Une strat\u00e9gie de plus pour rapprocher finance traditionnelle et crypto<\/span><\/h2>\n

Ce projet s\u2019inscrit dans une dynamique plus large : l\u2019int\u00e9gration progressive des cryptomonnaies dans les services financiers classiques<\/strong>. JP Morgan n\u2019en est pas \u00e0 son coup d\u2019essai. La banque propose d\u00e9j\u00e0 des services de garde de crypto-actifs \u00e0 ses clients professionnels, et son int\u00e9r\u00eat pour la blockchain ne date pas d\u2019hier.<\/p>\n

Mais proposer des pr\u00eats garantis par des cryptomonnaies comme le Bitcoin repr\u00e9sente un pas de plus. Cela revient \u00e0 reconna\u00eetre officiellement la valeur de ces actifs comme collat\u00e9raux cr\u00e9dibles<\/strong>, au m\u00eame titre que l\u2019or ou les actions.<\/p>\n

Pourquoi ce projet pourrait faire basculer l\u2019adoption institutionnelle<\/span><\/h2>\n

L\u2019impact d\u2019un tel service pourrait \u00eatre massif. D\u2019abord, il renforcerait la l\u00e9gitimit\u00e9 des cryptomonnaies<\/strong> aux yeux du grand public, en montrant qu\u2019elles peuvent \u00eatre utilis\u00e9es dans des services bancaires concrets. Ensuite, il pourrait attirer de nouveaux investisseurs<\/strong>, int\u00e9ress\u00e9s par la possibilit\u00e9 d\u2019utiliser leurs avoirs num\u00e9riques pour financer d\u2019autres projets, sans devoir liquider leurs positions.<\/p>\n

Un effet boule de neige pourrait aussi s\u2019enclencher. Si JP Morgan passe \u00e0 l\u2019action, d\u2019autres grandes banques pourraient suivre rapidement. On entrerait alors dans une nouvelle phase d\u2019adoption institutionnelle<\/strong>, bien plus solide et durable que les cycles sp\u00e9culatifs pass\u00e9s.<\/p>\n

L\u2019enjeu r\u00e9glementaire reste un point sensible<\/span><\/h2>\n

Avant de proposer ce service \u00e0 grande \u00e9chelle, JP Morgan devra composer avec les autorit\u00e9s de r\u00e9gulation am\u00e9ricaines. La question de la l\u00e9galit\u00e9 et de la conformit\u00e9 de ces pr\u00eats garantis par crypto reste en suspens. Toutefois, les r\u00e9centes \u00e9volutions aux \u00c9tats-Unis, notamment l\u2019encadrement plus clair des stablecoins avec le Genius Act et l\u2019approbation d\u2019ETF Bitcoin au comptant, laissent entrevoir un terrain plus favorable.<\/p>\n

Une avanc\u00e9e qui rapproche les mondes de la DeFi et de Wall Street<\/span><\/h2>\n

Ce projet de pr\u00eat crypto fait \u00e9cho \u00e0 ce que proposent d\u00e9j\u00e0 des protocoles comme Aave ou MakerDAO. Mais \u00e0 la diff\u00e9rence de la finance d\u00e9centralis\u00e9e, ici, l\u2019offre viendrait directement d\u2019un acteur bancaire majeur, avec toutes les garanties, proc\u00e9dures de conformit\u00e9 et m\u00e9canismes de gestion du risque<\/strong> associ\u00e9s.<\/p>\n

Ce m\u00e9lange entre innovation d\u00e9centralis\u00e9e et rigueur institutionnelle pourrait donner naissance \u00e0 une nouvelle g\u00e9n\u00e9ration de services financiers hybrides. Une zone grise qui devient peu \u00e0 peu un terrain fertile pour l\u2019innovation r\u00e9glement\u00e9e.<\/p>\n

Une adoption crypto qui ne cesse de s\u2019acc\u00e9l\u00e9rer<\/span><\/h2>\n

Apr\u00e8s BlackRock et ses ETF, apr\u00e8s les initiatives de Paypal avec ses stablecoins<\/a>, JP Morgan confirme \u00e0 son tour que la fronti\u00e8re entre finance traditionnelle et cryptomonnaies s\u2019efface progressivement<\/strong>. Ce mouvement de fond red\u00e9finit les usages de Bitcoin et Ethereum : de simples actifs sp\u00e9culatifs, ils deviennent des outils de financement.<\/p>\n

L\u2019int\u00e9r\u00eat des banques pour ce type de service n\u2019a rien d\u2019anodin. Il t\u00e9moigne d\u2019un changement structurel<\/strong> dans la mani\u00e8re dont les cryptos sont per\u00e7ues et int\u00e9gr\u00e9es dans l\u2019\u00e9conomie r\u00e9elle.<\/p>\n","protected":false},"excerpt":{"rendered":"

La premi\u00e8re banque des \u00c9tats-Unis franchit une nouvelle \u00e9tape dans l\u2019adoption des cryptomonnaies. Selon le Financial Times, JP Morgan…<\/p>\n","protected":false},"author":245,"featured_media":4205,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[5,7],"tags":[],"class_list":["post-4180","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bitcoin","category-news","entry"],"acf":[],"yoast_head":"\nJP\u202fMorgan pourrait accorder des pr\u00eats garantis par BTC et ETH<\/title>\n<meta name=\"description\" content=\"JP Morgan envisage d\u2019octroyer des pr\u00eats adoss\u00e9s \u00e0 Bitcoin et Ethereum, marquant un tournant dans l\u2019adoption crypto.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/icobench.com\/fr\/news\/jp-morgan-prets-crypto-bitcoin-ethereum\/\" \/>\n<meta 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