{"id":8970,"date":"2025-09-11T09:30:35","date_gmt":"2025-09-11T09:30:35","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=8970"},"modified":"2025-09-11T09:21:37","modified_gmt":"2025-09-11T09:21:37","slug":"russie-banque-crypto-nationale","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/russie-banque-crypto-nationale\/","title":{"rendered":"La Russie r\u00e9fl\u00e9chit \u00e0 une banque crypto nationale"},"content":{"rendered":"<p>Moscou explore l\u2019id\u00e9e d\u2019une banque crypto nationale.<strong> L\u2019objectif est d\u2019ass\u00e9cher les circuits frauduleux<\/strong> et offrir une porte de sortie l\u00e9gale aux mineurs. La proposition, port\u00e9e par Evgeny Masharov au sein de la Chambre civique, renvoie \u00e0 un mod\u00e8le d\u00e9j\u00e0 test\u00e9 chez l\u2019alli\u00e9 bi\u00e9lorusse. Elle s\u2019inscrit surtout dans une reconfiguration de la politique crypto russe depuis 2022.<\/p>\n<h2><span id=\"crypto_un_guichet_unique_pour_sortir_de_lombre\">Crypto : un guichet unique pour sortir de l\u2019ombre<\/span><\/h2>\n<p>La mesure phare est <strong>un \u00e9tablissement r\u00e9gul\u00e9, adoss\u00e9 \u00e0 une grande banque publique<\/strong>, qui centralise les \u00e9changes et les retraits on-chain\/off-chain. Masharov d\u00e9fend une plateforme capable de faire rentrer les transactions \u201cde l\u2019ombre\u201d dans le champ l\u00e9gal, tout en alimentant le budget f\u00e9d\u00e9ral. L\u2019argument est politique autant que technique. Il favorise moins d\u2019echange de gr\u00e9 \u00e0 gr\u00e9, plus de tra\u00e7abilit\u00e9, donc moins de <a href=\"https:\/\/icobench.com\/fr\/news\/fondateur-crypto-se-fait-voler-996000\/\" rel=\"\">fraude<\/a>.<\/p>\n<p>L\u2019alignement avec <a href=\"https:\/\/belarusbank.by\/en\/about_bank\/10522\" target=\"_blank\" rel=\"noopener noreferrer\">Belarusbank<\/a> n\u2019est pas insignifiant. Minsk a permis des services d\u2019\u00e9change via un grand \u00e9tablissement, interfa\u00e7ant cartes Visa et d\u00e9p\u00f4ts en monnaie locale. Ce pr\u00e9c\u00e9dent illustre <strong>la voie d\u2019une int\u00e9gration bancaire plut\u00f4t qu\u2019une tol\u00e9rance informelle<\/strong>. La Russie pourrait s\u2019en inspirer, mais \u00e0 l\u2019\u00e9chelle d\u2019un march\u00e9 bien plus vaste et sous sanctions.<\/p>\n<p>Depuis juillet 2022, <strong>la Russie interdit l\u2019usage des cryptos comme moyen de paiement<\/strong> domestique. Or, elle a simultan\u00e9ment ouvert des br\u00e8ches cibl\u00e9es : instruments crypto pour investisseurs qualifi\u00e9s au printemps 2025, et <a href=\"https:\/\/icobench.com\/fr\/news\/crypto-russie-contourne-sanctions\/\" rel=\"\">usage en commerce ext\u00e9rieur<\/a> vot\u00e9 d\u00e8s 2024. La banque crypto marierait ces lignes.<\/p>\n<h2><span id=\"un_pont_pour_les_mineurs_crypto_sous_contraintes_energetiques\">Un pont pour les mineurs crypto, sous contraintes \u00e9nerg\u00e9tiques<\/span><\/h2>\n<p><a href=\"https:\/\/cointelegraph.com\/news\/russia-could-consider-crypto-bank-combat-fraud-help-miners\" target=\"_blank\" rel=\"noopener noreferrer\">La proposition<\/a> vise aussi les mineurs. Aujourd\u2019hui, beaucoup peinent \u00e0 mon\u00e9tiser leurs <a href=\"https:\/\/icobench.com\/fr\/news\/bitcoin-explose-a-114-000-fed-taux\/\" rel=\"\">bitcoins<\/a> dans un cadre s\u00fbr et pr\u00e9visible. Un guichet national offrirait KYC, reporting fiscal et liquidit\u00e9 locale, r\u00e9duisant l\u2019incitation \u00e0 passer par des r\u00e9seaux opaques ou offshore. Sur le papier, la cha\u00eene de conformit\u00e9 s\u2019en trouve renforc\u00e9e.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-8983 size-full\" src=\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/09\/Mineurs-Sous.jpg\" alt=\"Mineurs bitcoin\" width=\"1080\" height=\"720\" srcset=\"https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/09\/Mineurs-Sous.jpg 1080w, https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/09\/Mineurs-Sous-300x200.jpg 300w, https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/09\/Mineurs-Sous-1024x683.jpg 1024w, https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/09\/Mineurs-Sous-768x512.jpg 768w, https:\/\/icobench.com\/fr\/wp-content\/uploads\/sites\/5\/2025\/09\/Mineurs-Sous-600x400.jpg 600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\"><\/p>\n<p>Mais le terrain est accident\u00e9. <strong>Moscou a instaur\u00e9 des interdictions r\u00e9gionales de minage<\/strong> sur six ans dans dix entit\u00e9s, avec des restrictions saisonni\u00e8res en Sib\u00e9rie pour pr\u00e9server le r\u00e9seau \u00e9lectrique. Le cadre \u00e9volue donc par \u00e0-coups : l\u00e9galiser l\u2019activit\u00e9, mais l\u2019orienter g\u00e9ographiquement et \u00e9nerg\u00e9tiquement. Une banque crypto devra composer avec cette carte des permissions mouvante.<\/p>\n<p>Paradoxalement, l\u2019\u00e9cosyst\u00e8me continue de prosp\u00e9rer. Des acteurs locaux d\u00e9crivent un secteur plus structur\u00e9, des \u00e9v\u00e9nements professionnels plus fournis et une normalisation comptable progressive. Ce dynamisme montre qu\u2019<strong>il faut une solution locale pour entrer et sortir de la crypto<\/strong>, capable de g\u00e9rer de gros volumes tout en respectant les r\u00e8gles anti-blanchiment. L\u2019id\u00e9e n\u2019est pas d\u2019interdire, mais de mieux encadrer.<\/p>\n<h2 data-pm-slice=\"0 0 []\"><span id=\"sanctions_stablecoins_et_la_nouvelle_geopolitique_des_paiements\">Sanctions, stablecoins et la nouvelle g\u00e9opolitique des paiements<\/span><\/h2>\n<p>Le vrai contexte, c\u2019est l\u2019international. Depuis 2024, la loi autorise les entreprises \u00e0 r\u00e9gler des \u00e9changes ext\u00e9rieurs en crypto. En pratique, cela pousse les firmes \u00e0 chercher des rails alternatifs quand le dollar ou l\u2019euro se ferment. Une banque crypto pourrait alors certifier l\u2019origine des flux, agr\u00e9ger la liquidit\u00e9 et rassurer, ou au contraire <strong>attirer la vigilance des r\u00e9gulateurs \u00e9trangers.<\/strong><\/p>\n<p>Le dossier des stablecoins complique l\u2019\u00e9quation. Des officiels pr\u00f4nent des jetons domestiques pour r\u00e9duire la d\u00e9pendance \u00e0 l\u2019USDT. Dans l\u2019ombre, un stablecoin adoss\u00e9 au rouble et op\u00e9r\u00e9 depuis l\u2019\u00e9tranger a d\u00e9j\u00e0 suscit\u00e9 l\u2019attention de la presse financi\u00e8re et des autorit\u00e9s, nourrissant l\u2019id\u00e9e d\u2019un shadow banking crypto. <strong>Une institution publique viendrait couper l\u2019herbe sous le pied de ces circuits<\/strong>, mais elle s\u2019exposerait aussit\u00f4t au radar des sanctions.<\/p>\n<p>La pression est tangible avec des plateformes russes sanctionn\u00e9es, portefeuilles gel\u00e9s, exp\u00e9rimentations surveill\u00e9es. L\u2019argument de Masharov <em>: \u00ab\u00a0mieux vaut des rails que l\u2019on ma\u00eetrise que des tunnels\u00a0\u00bb<\/em>\u00a0gagne ainsi en port\u00e9e. Mais tout syst\u00e8me de r\u00e8glement crypto devra inclure des protections techniques et juridiques reconnues \u00e0 l\u2019international. Sinon, la plateforme risque de se transformer en point de blocage.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Moscou explore l\u2019id\u00e9e d\u2019une banque crypto nationale. L\u2019objectif est d\u2019ass\u00e9cher les circuits frauduleux et offrir une porte de sortie&#8230;<\/p>\n","protected":false},"author":241,"featured_media":8982,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[150,61,55],"class_list":["post-8970","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-banque","tag-crypto","tag-russie","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La Russie songe \u00e0 une banque crypto<\/title>\n<meta name=\"description\" content=\"La Russie veut cr\u00e9er une banque crypto nationale pour limiter la fraude et aider les mineurs \u00e0 encaisser l\u00e9galement leurs gains.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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