{"id":9841,"date":"2025-09-22T12:30:31","date_gmt":"2025-09-22T12:30:31","guid":{"rendered":"https:\/\/icobench.com\/fr\/?p=9841"},"modified":"2025-09-22T11:52:38","modified_gmt":"2025-09-22T11:52:38","slug":"euro-numerique-feuille-de-route-ue","status":"publish","type":"post","link":"https:\/\/icobench.com\/fr\/news\/euro-numerique-feuille-de-route-ue\/","title":{"rendered":"Euro num\u00e9rique : Les dirigeants de l&rsquo;UE \u00e9tablissent une feuille de route"},"content":{"rendered":"<p>Les ministres des Finances de l\u2019Union europ\u00e9enne ont valid\u00e9 une <strong>feuille de route<\/strong> pour l\u2019euro num\u00e9rique. Le texte pr\u00e9cise la gouvernance avant toute d\u00e9cision d\u2019\u00e9mission et encadre le futur <strong>plafond de d\u00e9tention<\/strong>. Le projet avance donc politiquement, m\u00eame si sa mise en circulation exigera encore plusieurs ann\u00e9es de travail technique et l\u00e9gislatif.<\/p>\n<h2><span id=\"ce_que_contient_laccord_politique\">Ce que contient l\u2019accord politique<\/span><\/h2>\n<p>Le compromis introduit un <strong>droit de regard formel<\/strong> des \u00c9tats. Paschal Donohoe l\u2019a r\u00e9sum\u00e9 ainsi : \u00ab avant que la BCE ne prenne une d\u00e9cision finale concernant l\u2019\u00e9mission\u2026 il y aurait une possibilit\u00e9 de discussion au sein du Conseil des ministres \u00bb. Cette \u00e9tape vise \u00e0 s\u00e9curiser l\u2019adh\u00e9sion des capitales et \u00e0 \u00e9viter un lancement per\u00e7u comme technocratique. De plus, les ministres ont act\u00e9 une proc\u00e9dure pour <strong>fixer la limite de d\u00e9tention<\/strong>, qui reste \u00e0 pr\u00e9ciser publiquement.<\/p>\n<p>Parall\u00e8lement, l\u2019<strong>objectif strat\u00e9gique<\/strong> est r\u00e9affirm\u00e9. Il s\u2019agit de r\u00e9duire la d\u00e9pendance europ\u00e9enne aux grands r\u00e9seaux priv\u00e9s \u00e9trangers. Valdis Dombrovskis a insist\u00e9 : \u00ab Il est important de renforcer l\u2019autonomie strat\u00e9gique de l\u2019Europe \u00bb. Dans le m\u00eame esprit, Christine Lagarde a d\u00e9clar\u00e9 : \u00ab L\u2019Europe num\u00e9rique n\u2019est pas seulement un moyen de paiement, c\u2019est aussi une d\u00e9claration politique concernant la souverainet\u00e9 de l\u2019Europe \u00bb. <a href=\"https:\/\/www.ecb.europa.eu\/euro\/digital_euro\/html\/index.fr.html\" target=\"_blank\" rel=\"noopener noreferrer\">L\u2019euro num\u00e9rique<\/a> doit donc compl\u00e9ter les esp\u00e8ces et soutenir des paiements <strong>pan-europ\u00e9ens<\/strong> robustes.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"fr\" dir=\"ltr\">\ud83c\uddea\ud83c\uddfa Les ministres des Finances de l\u2019Unuon Europ\u00e9enne sont parvenus \u00e0 un accord avec la BCE sur les prochaines \u00e9tapes du lancement de l\u2019euro num\u00e9rique.<\/p>\n<p>Ils se seraient mis d'accord sur une feuille de route pour un euro num\u00e9rique et sur des proc\u00e9dures qui permettraient aux\u2026 <a href=\"https:\/\/t.co\/SUXHBaugcV\" target=\"_blank\" rel=\"noopener noreferrer\">pic.twitter.com\/SUXHBaugcV<\/a><\/p>\n<p>\u2014 Goku \ud83d\uddde (@Crypto__Goku) <a href=\"https:\/\/twitter.com\/Crypto__Goku\/status\/1970003642938748976?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"noopener noreferrer\">September 22, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<h2><span id=\"quel_plafond_de_detention_pour_eviter_les_risques_bancaires\">Quel plafond de d\u00e9tention pour \u00e9viter les risques bancaires ?<\/span><\/h2>\n<p>\u00c0 ce stade, aucun montant officiel n\u2019a \u00e9t\u00e9 arr\u00eat\u00e9. L\u2019accord consacre surtout la m\u00e9thode : la BCE proposera un plafond et les ministres trancheront. L\u2019enjeu est clair : pr\u00e9venir les d\u00e9parts massifs de d\u00e9p\u00f4ts vers un instrument per\u00e7u comme totalement s\u00fbr. Par cons\u00e9quent, <strong>la future limite doit prot\u00e9ger la stabilit\u00e9 financi\u00e8re<\/strong>, sans nuire \u00e0 l\u2019utilit\u00e9 du service pour le public.<\/p>\n<p>Cependant, des ordres de grandeur existent dans les travaux exploratoires. Depuis plusieurs ann\u00e9es, des sc\u00e9narios autour de 3 000 \u20ac par personne ont \u00e9t\u00e9 \u00e9tudi\u00e9s pour un usage du quotidien. D\u2019autres analyses \u00e9voquent des fourchettes entre 3 000 et 4 000 \u20ac, voire plus basses dans certains cas. Ce ne sont pas des d\u00e9cisions, mais des points de rep\u00e8re utiles. Enfin, <strong>l\u2019euro num\u00e9rique ne serait pas r\u00e9mun\u00e9r\u00e9<\/strong>. Ainsi, il resterait avant tout un moyen de paiement, et <a href=\"https:\/\/icobench.com\/fr\/news\/euro-numerique-ne-remplacera-pas-argent-liquide\/\" rel=\"\">non un substitut d\u2019\u00e9pargne<\/a>.<\/p>\n<h2><span id=\"calendrier_et_repartition_des_roles\">Calendrier et r\u00e9partition des r\u00f4les<\/span><\/h2>\n<p>La priorit\u00e9 reste l\u00e9gislative. Les institutions visent un <strong>accord de fond d\u2019ici 2026<\/strong>. Ensuite, la mise en \u0153uvre demanderait deux ans et demi \u00e0 trois ans. Le rythme d\u00e9pendra des n\u00e9gociations au Parlement et au Conseil, puis des normes techniques \u00e0 finaliser. En pratique, une circulation \u00e0 grande \u00e9chelle interviendrait plus tard que l\u2019accord politique initial.<\/p>\n<p>La r\u00e9partition des r\u00f4les est clarifi\u00e9e. <strong>La BCE fournira l\u2019infrastructure de base<\/strong> et garantira la s\u00e9curit\u00e9 du syst\u00e8me. Les interm\u00e9diaires (banques et prestataires de paiement) garderont la relation client et b\u00e2tiront les parcours. Ce sch\u00e9ma favorise l\u2019interop\u00e9rabilit\u00e9 : un m\u00eame portefeuille devra fonctionner partout dans l\u2019UE, au magasin comme en ligne, y compris pour des paiements hors ligne dans certains cas d\u2019usage. Cette derni\u00e8re capacit\u00e9 renforce la r\u00e9silience en cas d\u2019incident r\u00e9seau.<\/p>\n<h2><span id=\"vie_privee_inclusion_et_autonomie_des_paiements\">Vie priv\u00e9e, inclusion et autonomie des paiements<\/span><\/h2>\n<p>La protection des donn\u00e9es reste un point de vigilance. Le dispositif devra permettre des paiements courants sans collecte excessive, tout en restant <strong>tra\u00e7able en cas d\u2019enqu\u00eate<\/strong>. Le cadre juridique pr\u00e9cisera ces garanties, avec une minimisation des donn\u00e9es trait\u00e9es. Par ailleurs, l\u2019euro num\u00e9rique doit \u00eatre simple, gratuit pour l\u2019usage de base et universellement accept\u00e9. L\u2019objectif est double : <strong>inclusion pour les citoyens et efficacit\u00e9 pour les entreprises<\/strong>.<\/p>\n<p>Au-del\u00e0 de l\u2019exp\u00e9rience utilisateur, l\u2019enjeu est g\u00e9opolitique. L\u2019UE veut disposer d\u2019une infrastructure publique de paiement, disponible en toutes circonstances. Ainsi, les autorit\u00e9s entendent r\u00e9duire les d\u00e9pendances, s\u00e9curiser les paiements transfrontaliers au sein du march\u00e9 unique et soutenir l\u2019innovation du secteur priv\u00e9 sur un socle europ\u00e9en commun. La feuille de route pose aujourd\u2019hui ce cap, les prochains mois en pr\u00e9ciseront les param\u00e8tres concrets.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les ministres des Finances de l\u2019Union europ\u00e9enne ont valid\u00e9 une feuille de route pour l\u2019euro num\u00e9rique. Le texte pr\u00e9cise&#8230;<\/p>\n","protected":false},"author":245,"featured_media":9852,"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-9841","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>Euro num\u00e9rique : Les dirigeants de l&#039;UE \u00e9tablissent une feuille de route<\/title>\n<meta name=\"description\" content=\"Les dirigeants de l\u2019UE valident une feuille de route pour l\u2019euro num\u00e9rique, avec calendrier, gouvernance et objectifs pour les paiements.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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