{"id":4990,"date":"2025-07-30T11:05:34","date_gmt":"2025-07-30T11:05:34","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=4990"},"modified":"2025-07-30T11:05:34","modified_gmt":"2025-07-30T11:05:34","slug":"euro-numerique-bce-menace-stablecoins","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/euro-numerique-bce-menace-stablecoins\/","title":{"rendered":"L’euro num\u00e9rique de la BCE ne suffira pas \u00e0 contrer la menace des stablecoins USD"},"content":{"rendered":"

L\u2019euro num\u00e9rique<\/strong> devait incarner la riposte europ\u00e9enne face \u00e0 la mont\u00e9e en puissance des cryptomonnaies et des stablecoins. Pourtant, m\u00eame au sein de la BCE, des voix s\u2019\u00e9l\u00e8vent pour reconna\u00eetre que ce projet pourrait ne pas suffire \u00e0 enrayer la domination du dollar<\/strong> dans l\u2019univers num\u00e9rique.<\/p>\n

Des doutes exprim\u00e9s au c\u0153ur de la BCE<\/span><\/h2>\n

J\u00fcrgen Schaaf<\/a>, conseiller principal aupr\u00e8s de la Banque centrale europ\u00e9enne<\/strong>, a r\u00e9cemment reconnu que l\u2019euro num\u00e9rique n\u2019aurait probablement pas un impact suffisant pour contenir la progression des stablecoins libell\u00e9s en dollars<\/strong>. Ce constat met en lumi\u00e8re les limites structurelles du projet de monnaie num\u00e9rique europ\u00e9enne.<\/p>\n

Selon Schaaf, ces stablecoins, en particulier l\u2019USDT de Tether ou l\u2019USDC de Circle<\/strong>, sont d\u00e9j\u00e0 massivement utilis\u00e9s \u00e0 l\u2019\u00e9chelle mondiale, notamment dans les pays \u00e9mergents. L\u2019Europe, en revanche, reste \u00e0 la tra\u00eene sur le d\u00e9veloppement d\u2019alternatives cr\u00e9dibles.<\/p>\n

Il estime \u00e9galement que l\u2019app\u00e9tence croissante des citoyens pour des solutions de paiement num\u00e9riques rapides et stables a favoris\u00e9 l\u2019adoption des stablecoins, bien plus r\u00e9actifs que les institutions publiques.<\/p>\n

Une domination du dollar renforc\u00e9e par les stablecoins<\/span><\/h2>\n

Le risque soulign\u00e9 par la BCE est simple : les stablecoins adoss\u00e9s au dollar pourraient renforcer encore la domination mon\u00e9taire des \u00c9tats-Unis<\/strong>. En effet, plus ces jetons num\u00e9riques sont utilis\u00e9s pour les paiements ou les \u00e9changes internationaux, plus la demande pour le dollar augmente m\u00e9caniquement.<\/p>\n

De nombreux acteurs \u00e9conomiques dans les pays en d\u00e9veloppement pr\u00e9f\u00e8rent aujourd\u2019hui se tourner vers ces stablecoins plut\u00f4t que vers leur propre devise ou l\u2019euro. Cela renforce le r\u00f4le h\u00e9g\u00e9monique du dollar dans l\u2019\u00e9conomie mondiale<\/strong>.<\/p>\n

La Banque centrale europ\u00e9enne craint donc une marginalisation progressive de l\u2019euro<\/strong>, d\u00e9j\u00e0 affaibli par la lenteur des r\u00e9formes mon\u00e9taires num\u00e9riques en Europe. Malgr\u00e9 l\u2019avanc\u00e9e du projet d\u2019euro num\u00e9rique, le retard semble d\u00e9j\u00e0 cons\u00e9quent.<\/p>\n

L\u2019euro num\u00e9rique : entre volont\u00e9 politique et complexit\u00e9 technique<\/span><\/h2>\n

Le projet d\u2019euro num\u00e9rique<\/strong>, qui vise \u00e0 offrir une alternative publique, fiable et accessible aux stablecoins priv\u00e9s<\/a>, avance lentement. Malgr\u00e9 des phases de test et des consultations publiques, aucune feuille de route claire n\u2019a encore \u00e9t\u00e9 pr\u00e9sent\u00e9e pour un lancement \u00e0 court terme.<\/p>\n

Les enjeux sont pourtant consid\u00e9rables : souverainet\u00e9 mon\u00e9taire, ind\u00e9pendance financi\u00e8re et s\u00e9curit\u00e9 des paiements<\/strong>. Mais l\u2019approche r\u00e9glementaire stricte de l\u2019Union europ\u00e9enne pourrait paradoxalement freiner l\u2019adoption du futur euro num\u00e9rique aupr\u00e8s du grand public.<\/p>\n

Dans un contexte o\u00f9 la vitesse et l\u2019interop\u00e9rabilit\u00e9 sont devenues des crit\u00e8res essentiels, les stablecoins, d\u00e9j\u00e0 op\u00e9rationnels et bien int\u00e9gr\u00e9s dans les syst\u00e8mes DeFi ou CeFi, partent avec une longueur d\u2019avance.<\/p>\n

Une adoption des stablecoins qui s\u2019acc\u00e9l\u00e8re<\/span><\/h2>\n

Les chiffres sont parlants. Les recherches Google sur le mot \u201cstablecoin\u201d ont explos\u00e9 ces derniers mois, refl\u00e9tant une forte augmentation de l\u2019int\u00e9r\u00eat du public<\/strong> pour ces actifs. L\u2019utilisation concr\u00e8te sur le terrain suit la m\u00eame dynamique, que ce soit pour des transferts de fonds, du paiement en ligne ou des placements \u00e0 court terme.<\/p>\n

\"euro<\/p>\n

Aux \u00c9tats-Unis<\/strong>, l\u2019\u00e9cosyst\u00e8me crypto b\u00e9n\u00e9ficie d\u00e9j\u00e0 d\u2019un cadre r\u00e9glementaire plus clair. La loi GENIUS Act<\/a>, par exemple, offre un premier socle l\u00e9gal pour l\u2019\u00e9mission et l\u2019utilisation des stablecoins. Cela permet \u00e0 des entreprises comme Circle de cro\u00eetre rapidement en toute conformit\u00e9.<\/p>\n

Dans ce contexte, le retard europ\u00e9en<\/strong> pourrait avoir un effet d\u2019entra\u00eenement n\u00e9gatif. Tant que les citoyens ne verront pas d\u2019avantage concret \u00e0 utiliser un euro num\u00e9rique, ils se tourneront vers les alternatives les plus pratiques, souvent en dollars.<\/p>\n","protected":false},"excerpt":{"rendered":"

L\u2019euro num\u00e9rique devait incarner la riposte europ\u00e9enne face \u00e0 la mont\u00e9e en puissance des cryptomonnaies et des stablecoins. Pourtant,…<\/p>\n","protected":false},"author":245,"featured_media":4995,"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-4990","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","entry"],"acf":[],"yoast_head":"\nL'euro num\u00e9rique de la BCE et la menace des stablecoins USD<\/title>\n<meta name=\"description\" content=\"La BCE peine \u00e0 rassurer sur l'euro num\u00e9rique, tandis que les stablecoins adoss\u00e9s au dollar s'imposent dans le paysage mondial.\" \/>\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\/euro-numerique-bce-menace-stablecoins\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" 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