{"id":905,"date":"2026-09-28T05:55:12","date_gmt":"2026-09-28T05:55:12","guid":{"rendered":"https:\/\/www.arxelo.com\/uncategorized\/what-europes-new-stablecoin-rules-could-mean-for-your-money\/"},"modified":"2026-09-28T05:55:12","modified_gmt":"2026-09-28T05:55:12","slug":"ce-que-les-nouvelles-regles-europeennes-sur-les-stablecoins-pourraient-signifier-pour-votre-argent","status":"publish","type":"post","link":"https:\/\/www.arxelo.com\/fr\/decentralized-finance-defi\/stablecoins\/what-europes-new-stablecoin-rules-could-mean-for-your-money\/","title":{"rendered":"Ce que les nouvelles r\u00e8gles europ\u00e9ennes sur les stablecoins pourraient signifier pour votre argent"},"content":{"rendered":"<figure class=\"wp-block-image size-large\">\n<img decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260925_100d8f.png\" alt=\"\" class=\"wp-image-904\" srcset=\"https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260925_100d8f.png 1200w, https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260925_100d8f-300x200.png 300w, https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260925_100d8f-1024x683.png 1024w, https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260925_100d8f-768x512.png 768w, https:\/\/www.arxelo.com\/wp-content\/uploads\/2026\/09\/arxelo_image_20260925_100d8f-18x12.png 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\n\n<\/figure>\n\n\n<style>body.single-post .cm-featured-image { display: none !important; }<\/style>\n\n<p dir=\"auto\" data-start=\"554\" data-end=\"669\" class=\"PDq2pG_selectionAnchorContainer\">Les r\u00e9gulateurs europ\u00e9ens sont confront\u00e9s \u00e0 une question pratique : o\u00f9 les \u00e9metteurs de stablecoins doivent-ils conserver les fonds qui adossent leurs jetons ? La directive MiCA impose actuellement aux \u00e9metteurs de conserver au moins 30 % de leurs r\u00e9serves sous forme de d\u00e9p\u00f4ts bancaires, ce pourcentage passant \u00e0 60 % pour les \u00e9metteurs class\u00e9s comme \u00ab significatifs \u00bb. Les banques centrales europ\u00e9ennes ont contest\u00e9 cette r\u00e8gle. Les d\u00e9p\u00f4ts importants en stablecoins apportent des fonds aux banques commerciales, mais les d\u00e9tenteurs peuvent retirer ces fonds rapidement en cas de rachats massifs.<\/p>\n<p dir=\"auto\" data-start=\"999\" data-end=\"1252\">La suppression de l'obligation de d\u00e9p\u00f4t \u00e0 terme modifie le lieu o\u00f9 les \u00e9metteurs d\u00e9tiennent leurs r\u00e9serves. Les titres d'\u00c9tat \u00e0 court terme et autres actifs liquides gagnent en importance si les r\u00e9gulateurs s'attachent davantage \u00e0 la rapidit\u00e9 avec laquelle les \u00e9metteurs peuvent honorer les rachats plut\u00f4t qu'\u00e0 la localisation des fonds. Ce choix a des r\u00e9percussions tant sur les d\u00e9tenteurs que sur les banques.<\/p>\n<h3 data-section-id=\"1yict1y\" dir=\"auto\" data-start=\"1300\" data-end=\"1379\">Un stablecoin utilis\u00e9 pour les paiements se comporte diff\u00e9remment d\u2019un stablecoin rapportant des int\u00e9r\u00eats<\/h3>\n<p dir=\"auto\" data-start=\"1381\" data-end=\"1551\">Un token utilis\u00e9 principalement pour les transferts est en concurrence avec les cartes, les virements bancaires et d'autres syst\u00e8mes de paiement. Un token g\u00e9n\u00e9rant un rendement est en concurrence avec les d\u00e9p\u00f4ts et les produits du march\u00e9 mon\u00e9taire.<\/p>\n<p dir=\"auto\" data-start=\"1553\" data-end=\"1769\">Les \u00e9metteurs de stablecoins per\u00e7oivent des int\u00e9r\u00eats sur leurs actifs de r\u00e9serve. Certaines plateformes reversent d\u00e9j\u00e0 une partie de ces revenus aux d\u00e9tenteurs de jetons. La hausse des taux directeurs rend ce mod\u00e8le plus attractif, car les r\u00e9serves \u00e0 court terme g\u00e9n\u00e8rent davantage de revenus.<\/p>\n<p dir=\"auto\" data-start=\"1771\" data-end=\"1939\">Les banques se livrent alors une concurrence pour attirer les liquidit\u00e9s sur deux fronts. D'une part, les clients transf\u00e8rent leurs d\u00e9p\u00f4ts vers des stablecoins ; d'autre part, les \u00e9metteurs de stablecoins d\u00e9cident quelle part de leurs r\u00e9serves ils souhaitent replacer aupr\u00e8s des banques. Les r\u00e9gulateurs influencent en partie l'issue de cette situation par le biais de r\u00e8gles relatives aux r\u00e9serves et de restrictions en mati\u00e8re de r\u00e9mun\u00e9ration.<\/p>\n<h3 data-section-id=\"nk8ao8\" dir=\"auto\" data-start=\"2037\" data-end=\"2081\">Les banques mettent en place leur propre solution alternative<\/h3><p dir=\"auto\" data-start=\"2083\" data-end=\"2218\">Les d\u00e9p\u00f4ts bancaires tokenis\u00e9s permettent de conserver les fonds au sein d'une relation bancaire r\u00e9glement\u00e9e tout en les rendant transf\u00e9rables via une infrastructure num\u00e9rique. Les entreprises disposent d\u00e9j\u00e0 de comptes bancaires, de lignes de cr\u00e9dit, de syst\u00e8mes de tr\u00e9sorerie et de dispositifs de conformit\u00e9. Les d\u00e9p\u00f4ts tokenis\u00e9s \u00e9largissent le champ de ces relations, sans obliger l'entreprise \u00e0 transf\u00e9rer ses liquidit\u00e9s vers une structure distincte de stablecoins.<\/p><p dir=\"auto\" data-start=\"2457\" data-end=\"2585\">Les stablecoins b\u00e9n\u00e9ficient d'un autre atout : leur diffusion. Ils circulent d\u00e9j\u00e0 entre les plateformes d'\u00e9change, les portefeuilles et les applications blockchain. La concurrence repose sur ce que chaque produit offre au client.<\/p>\n<p dir=\"auto\" data-start=\"2654\" data-end=\"2913\">A <a href=\"https:\/\/www.arxelo.com\/fr\/infrastructure-web3\/contrats-intelligents\/lia-sempare-de-la-blockchain-pour-demontrer-son-utilite\/\">stablecoin<\/a> Le fait d'offrir des taux proches de ceux du march\u00e9 mon\u00e9taire incite les d\u00e9tenteurs \u00e0 conserver leurs avoirs en dehors des d\u00e9p\u00f4ts classiques. Un d\u00e9p\u00f4t bancaire tokenis\u00e9, directement reli\u00e9 aux syst\u00e8mes de tr\u00e9sorerie des entreprises, incite ces derni\u00e8res \u00e0 conserver leurs fonds au sein du syst\u00e8me bancaire.<\/p>\n<p dir=\"auto\" data-start=\"2915\" data-end=\"3129\">Pour les investisseurs et les utilisateurs, trois chiffres m\u00e9ritent une attention particuli\u00e8re : <strong data-start=\"2973\" data-end=\"3129\">quel est le montant des r\u00e9serves de stablecoins d\u00e9tenues par les banques, quelle part des revenus revient aux d\u00e9tenteurs de jetons et quelle part des op\u00e9rations de paiement est transf\u00e9r\u00e9e vers des d\u00e9p\u00f4ts bancaires tokenis\u00e9s.<\/strong><\/p><br>","protected":false},"excerpt":{"rendered":"<p>La r\u00e9glementation europ\u00e9enne sur les stablecoins d\u00e9terminera o\u00f9 les \u00e9metteurs d\u00e9tiendront leurs r\u00e9serves, quelle part des rendements reviendra aux utilisateurs et dans quelle mesure les stablecoins entreront en concurrence directe avec les d\u00e9p\u00f4ts bancaires.<\/p>","protected":false},"author":2,"featured_media":904,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","footnotes":""},"categories":[17],"tags":[],"class_list":["post-905","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stablecoins"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Europe\u2019s New Stablecoin Rules Could Mean for Your Money<\/title>\n<meta name=\"description\" content=\"Europe\u2019s stablecoin rules will determine where issuers hold reserves, how much yield reaches users and how directly stablecoins compete with bank deposits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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