Quatre grandes banques am\u00e9ricaines unissent leurs forces pour cr\u00e9er un dollar num\u00e9rique. JPMorgan, Bank of America, Citigroup et Wells Fargo veulent lancer un stablecoin commun pour concurrencer les plateformes crypto.<\/p>\n
Les anciens adoptent la blockchain
\nCes banques d\u00e9tiennent d\u00e9j\u00e0 des r\u00e9seaux comme Zelle et The Clearing House. Leur nouvelle cible\u202f: un stablecoin bas\u00e9 sur la blockchain.<\/p>\n
Objectif\u202f: acc\u00e9l\u00e9rer les paiements, r\u00e9duire les co\u00fbts, et rattraper les g\u00e9ants de la crypto.<\/p>\n
Le hic : les lois am\u00e9ricaines
\nLe projet d\u00e9pend d\u2019une loi appel\u00e9e GENIUS Act. Si elle passe au S\u00e9nat, elle autorisera les banques et les firmes crypto \u00e0 \u00e9mettre des stablecoins l\u00e9galement.<\/p>\n
GENIUS Act = loi pour encadrer l\u2019\u00e9mission de stablecoins aux \u00c9tats-Unis.<\/p>\n
O\u00f9 en sont-elles ?
\nJPMorgan utilise d\u00e9j\u00e0 le JPM Coin en interne. Wells Fargo a test\u00e9 une version pour les paiements internationaux. Bank of America est pr\u00eate, mais n\u2019a rien lanc\u00e9 pour l\u2019instant.<\/p>\n
La crypto contre-attaque
\nDes soci\u00e9t\u00e9s comme Circle ou Coinbase veulent aussi des licences bancaires. Certaines visent un statut complet, d\u2019autres se limitent aux stablecoins.<\/p>\n
USD1, un projet crypto li\u00e9 \u00e0 Trump, stocke ses fonds chez BitGo. BitGo veut aussi devenir une banque agr\u00e9\u00e9e.<\/p>\n
Aujourd\u2019hui, seule Anchorage Digital a obtenu une charte bancaire f\u00e9d\u00e9rale.<\/p>\n","protected":false},"excerpt":{"rendered":"
Quatre grandes banques am\u00e9ricaines unissent leurs forces pour cr\u00e9er un dollar num\u00e9rique. JPMorgan, Bank of America, Citigroup et Wells Fargo……<\/p>\n","protected":false},"author":1,"featured_media":661,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[131,298],"class_list":["post-662","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nouvelles","tag-banques","tag-stablecoin"],"jetpack_featured_media_url":"https:\/\/365crypto.org\/fr\/wp-content\/uploads\/sites\/11\/2025\/05\/banks-stablecoin.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/posts\/662","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=662"}],"version-history":[{"count":0,"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/posts\/662\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/media\/661"}],"wp:attachment":[{"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/media?parent=662"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/categories?post=662"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/365crypto.org\/fr\/wp-json\/wp\/v2\/tags?post=662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}