{"id":7061,"date":"2025-08-20T15:30:46","date_gmt":"2025-08-20T15:30:46","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=7061"},"modified":"2025-08-20T14:45:02","modified_gmt":"2025-08-20T14:45:02","slug":"bis-interdire-crypto-wallet-non-kyc","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/bis-interdire-crypto-wallet-non-kyc\/","title":{"rendered":"La BIS veut interdire toute crypto ayant transit\u00e9 par un wallet non KYC"},"content":{"rendered":"

La Bank for International Settlements (BIS)<\/strong> souhaite instaurer un cadre r\u00e9glementaire ambitieux. Elle propose d\u2019interdire l\u2019acc\u00e8s aux services financiers traditionnels aux cryptomonnaies qui ont transit\u00e9 par un wallet non KYC. Autrement dit, si un actif a circul\u00e9 via un portefeuille non v\u00e9rifi\u00e9, les \u00e9changes ou banques pourraient le refuser.<\/p>\n

Un syst\u00e8me de scoring AML pour les wallets<\/span><\/h2>\n

Concr\u00e8tement, la BIS<\/a> imagine un score de conformit\u00e9 AML<\/strong><\/a> bas\u00e9 sur le parcours du wallet. Les portefeuilles ayant pass\u00e9 des v\u00e9rifications KYC<\/a> entreraient sur une allow list<\/em> et obtiendraient un score \u00e9lev\u00e9, favorisant leur acceptation. \u00c0 l\u2019inverse, ceux li\u00e9s \u00e0 des adresses suspectes ou criminelles figureraient sur une deny list<\/em> et recevraient un score proche de z\u00e9ro. Ce score servirait de filtre aux plateformes d\u2019\u00e9change, banques ou \u00e9metteurs de stablecoins pour autoriser ou refuser les transactions crypto-fiat.<\/p>\n

Ce mod\u00e8le a \u00e9t\u00e9 con\u00e7u pour combler une faille r\u00e9glementaire : souvent, les unhosted wallets \u00e9chappent au contr\u00f4le r\u00e9gulier des autorit\u00e9s. Avec ce syst\u00e8me, les institutions pourraient bloquer l\u2019acc\u00e8s aux cryptos \u00ab non conformes \u00bb, tout en utilisant la tra\u00e7abilit\u00e9 publique de la blockchain.<\/p>\n

\"La
Source : BIS Bulletin numero 111<\/a><\/figcaption><\/figure>\n

Vers une finance publique plus s\u00e9curis\u00e9e<\/span><\/h2>\n

En renfor\u00e7ant la r\u00e9gulation aux points de conversion entre crypto et monnaie traditionnelle, le score AML devient un outil de pr\u00e9vention puissant. Il permettrait notamment d\u2019\u00e9viter la circulation de fonds issus de fraudes ou d\u2019activit\u00e9s illicites<\/strong> dans le syst\u00e8me financier classique. Ainsi, les interm\u00e9diaires devraient v\u00e9rifier que les cryptos respectent un seuil minimal d\u2019historique conforme, d\u00e9finissable selon les juridictions.<\/p>\n

Cet outil propose aussi une grande flexibilit\u00e9. Les r\u00e8gles peuvent varier selon les l\u00e9gislations locales, tout en garantissant un cadre clair. On pourrait exiger que chaque wallet qui entre en contact avec le syst\u00e8me bancaire ait au moins une partie de ses transactions valid\u00e9es par KYC<\/strong>. Mis en \u0153uvre avec des outils blockchain, cela donnerait aux r\u00e9gulateurs un levier de contr\u00f4le in\u00e9dit, sans attaquer la nature d\u00e9centralis\u00e9e des blockchains.<\/p>\n

Un changement de paradigme pour la blockchain<\/span><\/h2>\n

Cette proposition repr\u00e9sente un virage majeur dans la r\u00e9gulation crypto<\/strong>. Elle transforme la nature m\u00eame des actifs num\u00e9riques, en les \u00e9valuant selon leur provenance. Cela pourrait cr\u00e9er une hi\u00e9rarchie implicite : des tokens \u00ab sanctaires \u00bb (pass\u00e9s par KYC) et d\u2019autres jug\u00e9s \u00e0 risque. \u00c0 terme, certains pourraient valoir moins ou \u00eatre refus\u00e9s sur certaines plateformes selon leur score.<\/p>\n

De plus, cette approche va jusqu\u2019\u00e0 int\u00e9grer le scoring directement dans les tokens ou les wallets. Les plateformes d\u00e9centralis\u00e9es ou les applications pourraient d\u00e9cr\u00e9ter, \u00e0 l\u2019ouverture de session ou \u00e0 l\u2019exit, qu\u2019elles n\u2019accepteront que les fonds conformes<\/strong>. Cette id\u00e9ation pourrait fragmenter l\u2019\u00e9cosyst\u00e8me crypto, en cr\u00e9ant une distinction entre usage grand public et usage \u00e0 risque.<\/p>\n

Des implications concr\u00e8tes et des d\u00e9fis<\/span><\/h2>\n

Ce cadre pr\u00e9sente des avantages \u00e9vidents : meilleure protection contre le blanchiment, responsabilisation des services crypto, et approche align\u00e9e avec les r\u00e9glementations existantes du syst\u00e8me bancaire. Toutefois, il pose aussi plusieurs d\u00e9fis. Premi\u00e8rement, il risque de compromettre la confidentialit\u00e9 des transactions<\/strong>, un principe au c\u0153ur de la d\u00e9centralisation. Ensuite, des acteurs mal intentionn\u00e9s pourraient contourner le syst\u00e8me \u00e0 l\u2019aide de mixeurs ou plateformes non r\u00e9glement\u00e9es.<\/p>\n

Les analystes de la compliance insistent sur la n\u00e9cessit\u00e9 de transparence dans les calculs du score. Ils appellent \u00e0 un mod\u00e8le o\u00f9 chaque utilisateur peut comprendre pourquoi un token a \u00e9t\u00e9 class\u00e9 comme risqu\u00e9<\/strong>. Cette transparence, parfois d\u00e9crite comme \u00ab glass box attribution \u00bb, permettrait d\u2019\u00e9viter les syst\u00e8mes opaques et les blocages injustifi\u00e9s.<\/p>\n

Une mesure largement d\u00e9battue mais in\u00e9vitable ?<\/span><\/h2>\n

L\u2019initiative de la BIS fait r\u00e9agir. Certains experts craignent une d\u00e9rive vers un contr\u00f4le excessif. D\u2019autres estiment qu\u2019elle repr\u00e9sente une \u00e9volution n\u00e9cessaire vers une crypto davantage compatible avec les attentes des institutions financi\u00e8res. Quoi qu\u2019il en soit, l\u2019id\u00e9e marque une \u00e9tape sensible dans l\u2019histoire de la r\u00e9gulation crypto<\/strong> : la fin de l\u2019anonymat absolu au profit d\u2019un syst\u00e8me plus tra\u00e7able, sans pour autant transformer chaque crypto en produit bancaire classique.<\/p>\n

Les prochaines discussions seront essentielles pour mettre en place un \u00e9quilibre viable. Car si l\u2019objectif est clair, \u00e9viter les abus, il faudra pr\u00e9server la libert\u00e9 et l\u2019innovation<\/strong> qui font la force de la blockchain.<\/p>\n","protected":false},"excerpt":{"rendered":"

La Bank for International Settlements (BIS) souhaite instaurer un cadre r\u00e9glementaire ambitieux. Elle propose d\u2019interdire l\u2019acc\u00e8s aux services financiers…<\/p>\n","protected":false},"author":245,"featured_media":7082,"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-7061","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","entry"],"acf":[],"yoast_head":"\nLa BIS veut interdire toute crypto provenant de wallets non KYC<\/title>\n<meta name=\"description\" content=\"La BIS propose d\u2019interdire les cryptos provenant de wallets non KYC via un score AML obligatoire pour l\u2019acc\u00e8s aux services financiers.\" \/>\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\/bis-interdire-crypto-wallet-non-kyc\/\" \/>\n<meta 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