{"id":7444,"date":"2025-08-25T13:30:38","date_gmt":"2025-08-25T13:30:38","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=7444"},"modified":"2025-08-25T12:24:06","modified_gmt":"2025-08-25T12:24:06","slug":"91-banques-centrales-explorent-cbdc","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/","title":{"rendered":"91% des banques centrales ont explor\u00e9 les CBDC"},"content":{"rendered":"<p data-start=\"320\" data-end=\"564\">Les banques centrales acc\u00e9l\u00e8rent sur les monnaies num\u00e9riques. <strong data-start=\"382\" data-end=\"431\">Selon la Banque des R\u00e8glements Internationaux<\/strong>, une \u00e9crasante majorit\u00e9 a d\u00e9j\u00e0 lanc\u00e9 des travaux concrets. Voici ce que cela change pour les paiements, les stablecoins et l\u2019Europe.<\/p>\n<h2 data-start=\"566\" data-end=\"616\"><span id=\"pourquoi_91_des_banques_centrales_sy_mettent\">Pourquoi 91 % des banques centrales s\u2019y mettent<\/span><\/h2>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"fr\" dir=\"ltr\">\ud83d\udccb  91 % des banques centrales ont explor\u00e9 les CBDC en 2024.<\/p>\n<p>C'est ce que r\u00e9v\u00e8le un rapport de la Banque des r\u00e8glements internationaux (BIS), qui signale \u00e9galement que la baisse de l'utilisation de l'argent liquide et la mont\u00e9e de la tokenisation stimulent cette dynamique.<\/p>\n<p>Plus\u2026 <a href=\"https:\/\/t.co\/mGGmupvSgx\" target=\"_blank\" rel=\"noopener noreferrer\">pic.twitter.com\/mGGmupvSgx<\/a><\/p>\n<p>\u2014 Goku \ud83d\uddde (@Crypto__Goku) <a href=\"https:\/\/twitter.com\/Crypto__Goku\/status\/1959566385069134170?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener noreferrer\">August 24, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p data-start=\"618\" data-end=\"890\">D\u2019abord, l\u2019objectif est clair : <strong data-start=\"650\" data-end=\"704\">pr\u00e9server le r\u00f4le de la monnaie de banque centrale<\/strong> \u00e0 l\u2019\u00e8re num\u00e9rique. Le recul du cash et la <strong data-start=\"747\" data-end=\"774\">tokenisation des actifs<\/strong> poussent les banques centrales \u00e0 agir. Elles veulent offrir une alternative souveraine, <strong data-start=\"863\" data-end=\"889\">fiable et programmable<\/strong>.<\/p>\n<p data-start=\"892\" data-end=\"1166\">Ensuite, la motivation est pratique. Les banques centrales visent <strong data-start=\"958\" data-end=\"1003\">des paiements plus efficaces et plus s\u00fbrs<\/strong>. Pour le d\u00e9tail, les cas d\u2019usage dominants sont <strong data-start=\"1052\" data-end=\"1081\">le P2P, le point de vente<\/strong>, ainsi que <strong data-start=\"1093\" data-end=\"1123\">les paiements \u00c9tat-citoyen<\/strong>. Cela correspond aux besoins du quotidien.<\/p>\n<p data-start=\"1168\" data-end=\"1400\">Par ailleurs, les pays \u00e9mergents ajoutent un enjeu social. Ils voient dans une <strong data-start=\"1247\" data-end=\"1265\">CBDC de d\u00e9tail<\/strong> un levier d\u2019<strong data-start=\"1278\" data-end=\"1302\">inclusion financi\u00e8re<\/strong>. Un wallet simple, interop\u00e9rable et accessible <strong data-start=\"1350\" data-end=\"1399\">peut \u00e9largir l\u2019acc\u00e8s aux paiements num\u00e9riques<\/strong>.<\/p>\n<p data-start=\"1402\" data-end=\"1709\">Enfin, la pression concurrentielle joue. <strong data-start=\"1443\" data-end=\"1470\">L\u2019essor des stablecoins<\/strong> a r\u00e9veill\u00e9 les r\u00e9gulateurs. Beaucoup de juridictions ont <strong data-start=\"1528\" data-end=\"1554\">acc\u00e9l\u00e9r\u00e9 leurs travaux<\/strong> de CBDC pour <strong data-start=\"1568\" data-end=\"1593\">encadrer l\u2019innovation<\/strong> sans la subir. Autrement dit, le public veut des paiements instantan\u00e9s et globaux. Les banques centrales r\u00e9pondent.<\/p>\n<h2 data-start=\"1711\" data-end=\"1773\"><span id=\"ou_en_est-on_pilotes_mises_en_production_et_acceleration\">O\u00f9 en est-on : pilotes, mises en production et acc\u00e9l\u00e9ration<\/span><\/h2>\n<p data-start=\"1775\" data-end=\"2051\">Les chiffres parlent d\u2019eux-m\u00eames. <strong data-start=\"1809\" data-end=\"1865\">Sur 93 banques centrales interrog\u00e9es, 91 % explorent<\/strong> une CBDC de d\u00e9tail, de gros, ou <strong data-start=\"1898\" data-end=\"1910\">les deux<\/strong>. \u00c0 ce stade, <strong data-start=\"1924\" data-end=\"1947\">les projets de gros<\/strong> sont <strong data-start=\"1953\" data-end=\"1969\">plus avanc\u00e9s<\/strong> que ceux de d\u00e9tail. C\u2019est logique : ils s\u2019int\u00e8grent au back-office interbancaire.<\/p>\n<p data-start=\"2053\" data-end=\"2353\">Concr\u00e8tement, plusieurs banques centrales <strong data-start=\"2095\" data-end=\"2107\">pilotent<\/strong> d\u00e9j\u00e0 des CBDC de gros. Certaines testent <strong data-start=\"2149\" data-end=\"2181\">la livraison-contre-paiement<\/strong> pour des obligations tokenis\u00e9es. D\u2019autres travaillent <strong data-start=\"2236\" data-end=\"2267\">le paiement-contre-paiement<\/strong> pour <strong data-start=\"2273\" data-end=\"2286\">le change<\/strong>. L\u2019objectif est simple : <strong data-start=\"2312\" data-end=\"2352\">settlement plus rapide, moins risqu\u00e9<\/strong>.<\/p>\n<p data-start=\"2355\" data-end=\"2648\">C\u00f4t\u00e9 d\u00e9tail, <strong data-start=\"2368\" data-end=\"2395\">trois pays op\u00e8rent d\u00e9j\u00e0<\/strong> une version live : les <strong data-start=\"2419\" data-end=\"2430\">Bahamas<\/strong>, la <strong data-start=\"2435\" data-end=\"2447\">Jama\u00efque<\/strong> et le <strong data-start=\"2454\" data-end=\"2465\">Nigeria<\/strong>. Ailleurs, les banques centrales multiplient <strong data-start=\"2511\" data-end=\"2537\">les preuves de concept<\/strong> et <strong data-start=\"2541\" data-end=\"2556\">les pilotes<\/strong>. Elles testent la <strong data-start=\"2575\" data-end=\"2590\">scalabilit\u00e9<\/strong>, l\u2019<strong data-start=\"2594\" data-end=\"2614\">interop\u00e9rabilit\u00e9<\/strong>, et <strong data-start=\"2619\" data-end=\"2647\">l\u2019exp\u00e9rience utilisateur<\/strong>.<\/p>\n<p data-start=\"2650\" data-end=\"3000\">Surtout, les <strong data-start=\"2663\" data-end=\"2678\">stablecoins<\/strong> influencent le tempo. Dans <strong data-start=\"2706\" data-end=\"2725\">plus d\u2019un tiers<\/strong> des juridictions, les autorit\u00e9s ont <strong data-start=\"2762\" data-end=\"2774\">acc\u00e9l\u00e9r\u00e9<\/strong> apr\u00e8s l\u2019essor de ces jetons. Les stablecoins restent plus utilis\u00e9s <strong data-start=\"2842\" data-end=\"2882\">pour les transferts transfrontaliers<\/strong>, notamment dans certains <strong data-start=\"2908\" data-end=\"2926\">pays \u00e9mergents<\/strong>. Les banques centrales veulent donc <strong data-start=\"2963\" data-end=\"2999\">proposer une alternative r\u00e9gul\u00e9e<\/strong>.<\/p>\n<blockquote data-start=\"3002\" data-end=\"3268\">\n<p data-start=\"3004\" data-end=\"3268\">\u00c0 ce sujet, l\u2019Europe discute activement de l\u2019euro num\u00e9rique. Pour aller plus loin, relisez notre analyse : <strong data-start=\"3111\" data-end=\"3267\">L\u2019euro num\u00e9rique pourrait \u00eatre <a href=\"https:\/\/icobench.com\/fr\/news\/euro-numerique-ethereum-solana\/\" rel=\"\">lanc\u00e9 sur Ethereum et Solana<\/a><\/strong>.<\/p>\n<\/blockquote>\n<h2 data-start=\"3270\" data-end=\"3324\"><span id=\"quels_cas_dusage_quelles_garanties_pour_le_public\">Quels cas d\u2019usage, quelles garanties pour le public<\/span><\/h2>\n<p data-start=\"3326\" data-end=\"3598\">D\u2019un c\u00f4t\u00e9, une <strong data-start=\"3341\" data-end=\"3359\">CBDC de d\u00e9tail<\/strong> vise les paiements du quotidien. <strong data-start=\"3393\" data-end=\"3400\">P2P<\/strong>, <strong data-start=\"3402\" data-end=\"3415\">commerces<\/strong>, <strong data-start=\"3417\" data-end=\"3446\">paiements gouvernementaux<\/strong> : les cas d\u2019usage sont <strong data-start=\"3470\" data-end=\"3494\">largement identifi\u00e9s<\/strong>. Le design doit rester <strong data-start=\"3518\" data-end=\"3528\">ouvert<\/strong>, <strong data-start=\"3530\" data-end=\"3547\">interop\u00e9rable<\/strong> avec l\u2019existant, et <strong data-start=\"3568\" data-end=\"3578\">simple<\/strong> pour l\u2019utilisateur.<\/p>\n<p data-start=\"3600\" data-end=\"3893\">De l\u2019autre, la <strong data-start=\"3615\" data-end=\"3631\">CBDC de gros<\/strong> cible la <strong data-start=\"3641\" data-end=\"3673\">compensation et le r\u00e8glement<\/strong>. Elle sert de <strong data-start=\"3688\" data-end=\"3718\">monnaie centrale tokenis\u00e9e<\/strong> pour <strong data-start=\"3724\" data-end=\"3739\">les banques<\/strong>. L\u2019int\u00e9r\u00eat est fort pour <strong data-start=\"3765\" data-end=\"3789\">les titres tokenis\u00e9s<\/strong> et <strong data-start=\"3793\" data-end=\"3815\">les r\u00e8glements DvP<\/strong>. R\u00e9sultat : <strong data-start=\"3828\" data-end=\"3850\">moins de frictions<\/strong>, <strong data-start=\"3852\" data-end=\"3871\">moins de risque<\/strong>, <strong data-start=\"3873\" data-end=\"3892\">plus de vitesse<\/strong>.<\/p>\n<p data-start=\"3895\" data-end=\"4201\">Cependant, tout ne se r\u00e9sume pas \u00e0 la technique. <strong data-start=\"3944\" data-end=\"3960\">La confiance<\/strong> prime. Les banques centrales travaillent <strong data-start=\"4002\" data-end=\"4020\">la gouvernance<\/strong>, la <strong data-start=\"4025\" data-end=\"4039\">r\u00e9silience<\/strong>, et la <strong data-start=\"4047\" data-end=\"4078\">protection de la vie priv\u00e9e<\/strong>. L\u2019enjeu est d\u2019offrir <strong data-start=\"4101\" data-end=\"4121\">un outil moderne<\/strong>, sans cr\u00e9er de <strong data-start=\"4137\" data-end=\"4159\">surveillance indue<\/strong> ni d\u00e9stabiliser <strong data-start=\"4176\" data-end=\"4200\">les d\u00e9p\u00f4ts bancaires<\/strong>.<\/p>\n<p data-start=\"4203\" data-end=\"4442\">Enfin, le <strong data-start=\"4213\" data-end=\"4236\">cadre r\u00e9glementaire<\/strong> avance en parall\u00e8le. Beaucoup de juridictions d\u00e9veloppent des <strong data-start=\"4299\" data-end=\"4350\">r\u00e8gles pour les stablecoins et les crpytoactifs<\/strong>. Cette mise \u00e0 niveau <strong data-start=\"4372\" data-end=\"4386\">accompagne<\/strong> la trajectoire des CBDC. <strong data-start=\"4412\" data-end=\"4441\">L\u2019\u00e9cosyst\u00e8me se structure<\/strong>.<\/p>\n<h2 data-start=\"4444\" data-end=\"4500\"><span id=\"quels_impacts_pour_les_marches_et_lecosysteme_crypto\">Quels impacts pour les march\u00e9s et l\u2019\u00e9cosyst\u00e8me crypto<\/span><\/h2>\n<p data-start=\"4502\" data-end=\"4795\">D\u2019abord, <strong data-start=\"4511\" data-end=\"4550\">la concurrence avec les stablecoins<\/strong> va s\u2019intensifier. Une CBDC <strong data-start=\"4578\" data-end=\"4594\">programmable<\/strong> et <strong data-start=\"4598\" data-end=\"4615\">interop\u00e9rable<\/strong> peut capter des usages aujourd\u2019hui domin\u00e9s par <strong data-start=\"4663\" data-end=\"4671\">USDT<\/strong> ou <strong data-start=\"4675\" data-end=\"4683\">USDC<\/strong>. Toutefois, <strong data-start=\"4696\" data-end=\"4748\">les stablecoins conservent un avantage d\u2019agilit\u00e9<\/strong>. Ils innovent vite et s\u2019int\u00e8grent <strong data-start=\"4783\" data-end=\"4794\">partout<\/strong>.<\/p>\n<p data-start=\"4797\" data-end=\"5082\">Ensuite, les <strong data-start=\"4810\" data-end=\"4840\">paiements transfrontaliers<\/strong> pourraient <strong data-start=\"4852\" data-end=\"4866\">b\u00e9n\u00e9ficier<\/strong> des CBDC de gros. Des corridors <strong data-start=\"4899\" data-end=\"4916\">multilat\u00e9raux<\/strong> \u00e9mergent. On y exp\u00e9rimente <strong data-start=\"4944\" data-end=\"4965\">le PVP instantan\u00e9<\/strong> et <strong data-start=\"4969\" data-end=\"4991\">la synchronisation<\/strong> entre registres. \u00c0 terme, cela peut <strong data-start=\"5028\" data-end=\"5049\">r\u00e9duire les co\u00fbts<\/strong> et <strong data-start=\"5053\" data-end=\"5066\">acc\u00e9l\u00e9rer<\/strong> les r\u00e8glements.<\/p>\n<p data-start=\"5084\" data-end=\"5383\">Par ailleurs, les <strong data-start=\"5102\" data-end=\"5124\">entreprises crypto<\/strong> doivent anticiper. Une CBDC de d\u00e9tail <strong data-start=\"5163\" data-end=\"5190\">ouvre de nouveaux rails<\/strong> pour l\u2019<strong data-start=\"5198\" data-end=\"5212\">e-commerce<\/strong>, les <strong data-start=\"5218\" data-end=\"5232\">super-apps<\/strong> et <strong data-start=\"5236\" data-end=\"5258\">les micropaiements<\/strong>. Les fintechs qui s\u2019alignent sur ces rails <strong data-start=\"5302\" data-end=\"5325\">gagneront en port\u00e9e<\/strong>. Celles qui ignorent ce mouvement <strong data-start=\"5360\" data-end=\"5382\">perdront des parts<\/strong>.<\/p>\n<p data-start=\"5385\" data-end=\"5654\">Enfin, <strong data-start=\"5392\" data-end=\"5413\">les investisseurs<\/strong> scrutent le calendrier. Les d\u00e9cisions de banques centrales <strong data-start=\"5473\" data-end=\"5499\">cr\u00e9ent des catalyseurs<\/strong>. Chaque pilote r\u00e9ussi <strong data-start=\"5522\" data-end=\"5546\">r\u00e9duit l\u2019incertitude<\/strong>. Chaque r\u00e8gle claire <strong data-start=\"5568\" data-end=\"5589\">\u00e9largit le march\u00e9<\/strong>. Pour l\u2019\u00e9cosyst\u00e8me, <strong data-start=\"5610\" data-end=\"5630\">la normalisation<\/strong> est une bonne nouvelle.<\/p>\n<p data-start=\"5656\" data-end=\"5887\">Pour aller plus loin, consulter <a href=\"https:\/\/www.bis.org\/publ\/bppdf\/bispap159.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">le rapport complet de la BRI<\/a> et ses chiffres cl\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les banques centrales acc\u00e9l\u00e8rent sur les monnaies num\u00e9riques. Selon la Banque des R\u00e8glements Internationaux, une \u00e9crasante majorit\u00e9 a d\u00e9j\u00e0&#8230;<\/p>\n","protected":false},"author":245,"featured_media":7446,"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-7444","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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>91% des banques centrales ont explor\u00e9 les CBDC<\/title>\n<meta name=\"description\" content=\"Le dernier rapport de la BRI r\u00e9v\u00e8le que 91 % des banques centrales travaillent sur des CBDC. Enjeux, pilotes et perspectives.\" \/>\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\/91-banques-centrales-explorent-cbdc\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"91% des banques centrales ont explor\u00e9 les CBDC\" \/>\n<meta property=\"og:description\" content=\"Le dernier rapport de la BRI r\u00e9v\u00e8le que 91 % des banques centrales travaillent sur des CBDC. Enjeux, pilotes et perspectives.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/\" \/>\n<meta property=\"og:site_name\" content=\"FR\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-25T13:30:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jean Rammau\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jean Rammau\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/\"},\"author\":{\"name\":\"Jean Rammau\",\"@id\":\"https:\/\/icobench.com\/fr\/#\/schema\/person\/f0e4d1b954fd4fcc30f0710e85e1c615\"},\"headline\":\"91% des banques centrales ont explor\u00e9 les CBDC\",\"datePublished\":\"2025-08-25T13:30:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/\"},\"wordCount\":850,\"publisher\":{\"@id\":\"https:\/\/icobench.com\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1.png\",\"articleSection\":[\"News\"],\"inLanguage\":\"fr-FR\",\"copyrightYear\":\"2025\",\"copyrightHolder\":{\"@id\":\"https:\/\/icobench.com\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/\",\"url\":\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/\",\"name\":\"91% des banques centrales ont explor\u00e9 les CBDC\",\"isPartOf\":{\"@id\":\"https:\/\/icobench.com\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1.png\",\"datePublished\":\"2025-08-25T13:30:38+00:00\",\"description\":\"Le dernier rapport de la BRI r\u00e9v\u00e8le que 91 % des banques centrales travaillent sur des CBDC. Enjeux, pilotes et perspectives.\",\"breadcrumb\":{\"@id\":\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#primaryimage\",\"url\":\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1.png\",\"contentUrl\":\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1.png\",\"width\":1200,\"height\":800,\"caption\":\"91% des banques centrales ont explor\u00e9 les CBDC\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/icobench.com\/fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"91% des banques centrales ont explor\u00e9 les CBDC\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/icobench.com\/fr\/#website\",\"url\":\"https:\/\/icobench.com\/fr\/\",\"name\":\"ICOBench FR\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/icobench.com\/fr\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/icobench.com\/fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/icobench.com\/fr\/#organization\",\"name\":\"ICOBench FR\",\"url\":\"https:\/\/icobench.com\/fr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/icobench.com\/fr\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2024\/09\/icobench_1.png\",\"contentUrl\":\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2024\/09\/icobench_1.png\",\"width\":3295,\"height\":969,\"caption\":\"ICOBench FR\"},\"image\":{\"@id\":\"https:\/\/icobench.com\/fr\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/icobench.com\/fr\/#\/schema\/person\/f0e4d1b954fd4fcc30f0710e85e1c615\",\"name\":\"Jean Rammau\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/icobench.com\/fr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/07\/avatar_user_245_1753099888-96x96.jpg\",\"contentUrl\":\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/07\/avatar_user_245_1753099888-96x96.jpg\",\"caption\":\"Jean Rammau\"},\"description\":\"Jean Rammau est passionn\u00e9 par les crypto-actifs depuis 2020, avec un int\u00e9r\u00eat plus large pour la finance, les innovations technologiques et leur impact sur la soci\u00e9t\u00e9. 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":"91% des banques centrales ont explor\u00e9 les CBDC","description":"Le dernier rapport de la BRI r\u00e9v\u00e8le que 91 % des banques centrales travaillent sur des CBDC. Enjeux, pilotes et perspectives.","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\/91-banques-centrales-explorent-cbdc\/","og_locale":"fr_FR","og_type":"article","og_title":"91% des banques centrales ont explor\u00e9 les CBDC","og_description":"Le dernier rapport de la BRI r\u00e9v\u00e8le que 91 % des banques centrales travaillent sur des CBDC. Enjeux, pilotes et perspectives.","og_url":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/","og_site_name":"FR","article_published_time":"2025-08-25T13:30:38+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1.png","type":"image\/png"}],"author":"Jean Rammau","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Jean Rammau","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#article","isPartOf":{"@id":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/"},"author":{"name":"Jean Rammau","@id":"https:\/\/icobench.com\/fr\/#\/schema\/person\/f0e4d1b954fd4fcc30f0710e85e1c615"},"headline":"91% des banques centrales ont explor\u00e9 les CBDC","datePublished":"2025-08-25T13:30:38+00:00","mainEntityOfPage":{"@id":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/"},"wordCount":850,"publisher":{"@id":"https:\/\/icobench.com\/fr\/#organization"},"image":{"@id":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#primaryimage"},"thumbnailUrl":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1.png","articleSection":["News"],"inLanguage":"fr-FR","copyrightYear":"2025","copyrightHolder":{"@id":"https:\/\/icobench.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/","url":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/","name":"91% des banques centrales ont explor\u00e9 les CBDC","isPartOf":{"@id":"https:\/\/icobench.com\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#primaryimage"},"image":{"@id":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#primaryimage"},"thumbnailUrl":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1.png","datePublished":"2025-08-25T13:30:38+00:00","description":"Le dernier rapport de la BRI r\u00e9v\u00e8le que 91 % des banques centrales travaillent sur des CBDC. Enjeux, pilotes et perspectives.","breadcrumb":{"@id":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#primaryimage","url":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1.png","contentUrl":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1.png","width":1200,"height":800,"caption":"91% des banques centrales ont explor\u00e9 les CBDC"},{"@type":"BreadcrumbList","@id":"https:\/\/icobench.com\/fr\/news\/91-banques-centrales-explorent-cbdc\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/icobench.com\/fr\/"},{"@type":"ListItem","position":2,"name":"91% des banques centrales ont explor\u00e9 les CBDC"}]},{"@type":"WebSite","@id":"https:\/\/icobench.com\/fr\/#website","url":"https:\/\/icobench.com\/fr\/","name":"ICOBench FR","description":"","publisher":{"@id":"https:\/\/icobench.com\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/icobench.com\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/icobench.com\/fr\/#organization","name":"ICOBench FR","url":"https:\/\/icobench.com\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/icobench.com\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2024\/09\/icobench_1.png","contentUrl":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2024\/09\/icobench_1.png","width":3295,"height":969,"caption":"ICOBench FR"},"image":{"@id":"https:\/\/icobench.com\/fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/icobench.com\/fr\/#\/schema\/person\/f0e4d1b954fd4fcc30f0710e85e1c615","name":"Jean Rammau","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/icobench.com\/fr\/#\/schema\/person\/image\/","url":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/07\/avatar_user_245_1753099888-96x96.jpg","contentUrl":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/07\/avatar_user_245_1753099888-96x96.jpg","caption":"Jean Rammau"},"description":"Jean Rammau est passionn\u00e9 par les crypto-actifs depuis 2020, avec un int\u00e9r\u00eat plus large pour la finance, les innovations technologiques et leur impact sur la soci\u00e9t\u00e9. 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\/"}]}},"featured_image_src":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1-600x400.png","featured_image_src_square":"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/08\/Wallet-31-1-600x600.png","author_info":{"display_name":"Jean Rammau","author_link":"https:\/\/icobench.com\/fr\/author\/nicola\/"},"_links":{"self":[{"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/posts\/7444","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/users\/245"}],"replies":[{"embeddable":true,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/comments?post=7444"}],"version-history":[{"count":1,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/posts\/7444\/revisions"}],"predecessor-version":[{"id":7448,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/posts\/7444\/revisions\/7448"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/media\/7446"}],"wp:attachment":[{"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/media?parent=7444"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/categories?post=7444"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/icobench.com\/fr\/wp-json\/wp\/v2\/tags?post=7444"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}