{"id":1137,"date":"2025-09-16T16:48:41","date_gmt":"2025-09-16T16:48:41","guid":{"rendered":"https:\/\/365crypto.org\/fr\/2025\/09\/16\/les-banques-suisses-realisent-le-premier-paiement-blockchain\/"},"modified":"2025-09-16T16:48:41","modified_gmt":"2025-09-16T16:48:41","slug":"les-banques-suisses-realisent-le-premier-paiement-blockchain","status":"publish","type":"post","link":"https:\/\/365crypto.org\/fr\/2025\/09\/16\/les-banques-suisses-realisent-le-premier-paiement-blockchain\/","title":{"rendered":"Les banques suisses r\u00e9alisent le premier paiement blockchain"},"content":{"rendered":"<p>UBS, Sygnum et PostFinance ont test\u00e9 la blockchain pour de vrais paiements bancaires.<br \/>\nL\u2019\u00e9tude, men\u00e9e sous l\u2019\u00e9gide de l\u2019Association suisse des banquiers, v\u00e9rifiait si les d\u00e9p\u00f4ts et transactions pouvaient fonctionner sur une blockchain publique.<\/p>\n<p>Comment \u00e7a marche<\/p>\n<p>Les banques ont cr\u00e9\u00e9 des \u00ab tokens de d\u00e9p\u00f4t \u00bb sur la blockchain. Un test a transf\u00e9r\u00e9 de l\u2019argent entre clients. Un autre a \u00e9chang\u00e9 des tokens contre des actifs r\u00e9els, comme un syst\u00e8me d\u2019escrow.<br \/>\nC\u2019est le premier paiement bancaire l\u00e9galement contraignant via blockchain publique.<\/p>\n<p>D\u00e9fis<\/p>\n<p>Les contrats intelligents garantissaient s\u00e9curit\u00e9 et conformit\u00e9. Mais l\u2019extension du syst\u00e8me n\u00e9cessite plus de coop\u00e9ration avec les banques et autorit\u00e9s.<\/p>\n<p>Perspectives<\/p>\n<p>Le test montre que la blockchain pourrait relier syst\u00e8mes traditionnels et DeFi. UBS confirme que l\u2019interop\u00e9rabilit\u00e9 est d\u00e9sormais possible, acc\u00e9l\u00e9rant l\u2019innovation des actifs tokenis\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>UBS, Sygnum et PostFinance ont test\u00e9 la blockchain pour de vrais paiements bancaires. L\u2019\u00e9tude, men\u00e9e sous l\u2019\u00e9gide de l\u2019Association suisse&#8230;&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1136,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[131,9,1097],"class_list":["post-1137","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nouvelles","tag-banques","tag-blockchain","tag-paiement"],"jetpack_featured_media_url":"https:\/\/365crypto.org\/fr\/wp-content\/uploads\/sites\/11\/2025\/09\/swissblockchain.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/posts\/1137","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/comments?post=1137"}],"version-history":[{"count":0,"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/posts\/1137\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/media\/1136"}],"wp:attachment":[{"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/media?parent=1137"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/categories?post=1137"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/tags?post=1137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}