{"id":26495,"date":"2025-11-12T16:00:28","date_gmt":"2025-11-12T16:00:28","guid":{"rendered":"https:\/\/99bitcoins.com\/fr\/?p=26495"},"modified":"2025-11-12T15:08:27","modified_gmt":"2025-11-12T15:08:27","slug":"confidentialite-finance-onchain","status":"publish","type":"post","link":"https:\/\/99bitcoins.com\/fr\/actu\/confidentialite-finance-onchain\/","title":{"rendered":"La confidentialit\u00e9, futur pilier de la finance onchain"},"content":{"rendered":"<p>On peut passer des mois \u00e0 regarder des courbes, puis r\u00e9aliser que le vrai point de bascule n&rsquo;est pas le prix, mais l&rsquo;<strong>infrastructure<\/strong>. Depuis quelques semaines, un angle revient avec insistance dans les salles de march\u00e9 comme chez les builders : la confidentialit\u00e9 n&rsquo;est plus un suppl\u00e9ment geek.<\/p>\n<p>C&rsquo;est la condition pour faire entrer des <strong>flux institutionnels<\/strong> sur des rails publics, sans transformer chaque op\u00e9ration en communiqu\u00e9 involontaire.<\/p>\n<p>Dans l&rsquo;imaginaire crypto, \u00ab\u00a0privacy\u00a0\u00bb rime souvent avec cypherpunks et adresses masqu\u00e9es. C\u00f4t\u00e9 entreprises, c&rsquo;est plus prosa\u00efque : des contrats, des obligations de confidentialit\u00e9, des desks tr\u00e9sorerie qui refusent d&rsquo;exposer leurs contreparties au premier explorateur venu. Entre ces deux mondes, la <strong>technique<\/strong> a enfin rattrap\u00e9 le besoin.<\/p>\n<h2>Pourquoi la confidentialit\u00e9 devient un pr\u00e9requis<\/h2>\n<p>Les cycles pr\u00e9c\u00e9dents ont mis en avant des usages grand public tr\u00e8s sp\u00e9culatifs. Les <strong>institutions<\/strong>, elles, n&rsquo;ont pas chang\u00e9 d&rsquo;ADN : elles op\u00e8rent si elles gardent la visibilit\u00e9 totale en interne et si l&rsquo;ext\u00e9rieur ne voit que ce qui est n\u00e9cessaire. Ce n&rsquo;est pas une posture id\u00e9ologique, c&rsquo;est un <strong>imp\u00e9ratif op\u00e9rationnel<\/strong>.<\/p>\n<p>Essayer de r\u00e9gler des paiements sur un ledger transparent met \u00e0 nu des r\u00e9seaux de fournisseurs, des tailles d&rsquo;ordres, des fen\u00eatres de liquidit\u00e9. Personne n&rsquo;accepte \u00e7a \u00e0 l&rsquo;\u00e9chelle.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Next step in improving ethereum&#39;s privacy (in addition to ongoing improvements to <a href=\"https:\/\/t.co\/f8JT3wFmD4\" rel=\"nofollow\" target=\"_blank\">https:\/\/t.co\/f8JT3wFmD4<\/a> and the like): some clean easy-to-use stealth-address-like scheme to send coins to an ENS name without publishing to the world that they got coins.<\/p>\n<p>&mdash; vitalik.eth (@VitalikButerin) <a href=\"https:\/\/twitter.com\/VitalikButerin\/status\/1245149156043350016?ref_src=twsrc%5Etfw\" rel=\"nofollow\" target=\"_blank\">April 1, 2020<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>La nuance importante, c&rsquo;est qu&rsquo;on ne parle pas d&rsquo;obscurcir une adresse au hasard. On parle d&rsquo;un syst\u00e8me o\u00f9 l&rsquo;entit\u00e9 voit tout ce qui la concerne, et prouve au r\u00e9seau que les r\u00e8gles sont respect\u00e9es, sans montrer la donn\u00e9e elle-m\u00eame. Tant que cette garantie d\u00e9pend d&rsquo;un accord contractuel plut\u00f4t que d&rsquo;une <strong>preuve<\/strong>, la confidentialit\u00e9 reste fragile.<\/p>\n<p>Vous appr\u00e9ciez les altcoins dynamiques ? Alors vous adorerez <a class=\"general-link\" href=\"https:\/\/99bitcoins.com\/fr\/visit\/maxidoge\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Maxi Doge<\/a>, sa version st\u00e9ro\u00efd\u00e9e.<\/p>\n<div style=\"text-align: center\">\n<a href=\"http:\/\/99bitcoins.com\/fr\/visit\/maxidoge\" class=\"sc-button sc-button-green sc-button-medium\" target=\"_blank\"  rel=\"nofollow sponsored\"><span>D\u00e9couvrir Maxi Doge<\/span><\/a>\n<div style=\"font-size: 12px;color: #b1b1b1;margin-top: 2px\">Les crypto-actifs repr\u00e9sentent un investissement risqu\u00e9.<\/div>\n<\/div>\n<h2>De la confidentialit\u00e9 cypherpunk \u00e0 la confidentialit\u00e9 syst\u00e8me<\/h2>\n<p>C\u00f4t\u00e9 retail, cacher son solde ou mixer un transfert r\u00e9pond \u00e0 une logique individuelle. C\u00f4t\u00e9 banques et corporates, la \u00ab\u00a0<strong>confidentialit\u00e9 syst\u00e8me<\/strong>\u00a0\u00bb ressemble davantage \u00e0 une salle des machines ferm\u00e9e, connect\u00e9e \u00e0 une place publique.<\/p>\n<p>\u00c0 l&rsquo;int\u00e9rieur, la firme voit chaque mouvement, trace la responsabilit\u00e9, applique ses contr\u00f4les. Vers l&rsquo;ext\u00e9rieur, elle expose uniquement ce que le r\u00e8glement ou la liquidit\u00e9 exigent, avec des <strong>preuves v\u00e9rifiables<\/strong>.<\/p>\n<p>Les tentatives d&rsquo;hier se sont coinc\u00e9es sur ce paradoxe. Les cha\u00eenes priv\u00e9es ont isol\u00e9 les donn\u00e9es, mais aussi la liquidit\u00e9. Les blockchains publiques ont offert le r\u00e9seau, mais sans cloisonnement cr\u00e9dible des informations sensibles. La bascule actuelle tient \u00e0 une combinaison simple \u00e0 \u00e9noncer et difficile \u00e0 bien impl\u00e9menter : <strong>ex\u00e9cuter en priv\u00e9<\/strong>, prouver en public.<\/p>\n<h2>Un nouveau mod\u00e8le : ex\u00e9cuter en priv\u00e9, prouver en public<\/h2>\n<p>Concr\u00e8tement, des environnements d&rsquo;ex\u00e9cution locaux traitent les transactions et agr\u00e8gent des preuves \u00e0 divulgation nulle de connaissance. La cha\u00eene publique ne voit ni le montant ni la contrepartie, mais elle sait que les r\u00e8gles ont \u00e9t\u00e9 suivies.<\/p>\n<p>C&rsquo;est l\u00e0 que les <a href=\"https:\/\/docs.zksync.io\/zk-stack\/concepts\/zk-chains.html\" target=\"_blank\" rel=\"noopener nofollow\">ZK-proofs<\/a> cessent d&rsquo;\u00eatre un gimmick pour devenir un composant d&rsquo;infrastructure. On passe d&rsquo;une confiance contractuelle \u00e0 une garantie <strong>cryptographique<\/strong>, incorruptible tant que la donn\u00e9e ne quitte pas les dispositifs contr\u00f4l\u00e9s par l&rsquo;institution.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">Congratulations to our partner, <a href=\"https:\/\/twitter.com\/Memento_Bc?ref_src=twsrc%5Etfw\" rel=\"nofollow\" target=\"_blank\">@Memento_Bc<\/a>, for tokenizing their third, and biggest, RWA Fund on their ZK Chain.<\/p>\n<p>Traditional Finance \u27a1\ufe0fIncorruptible Finance <a href=\"https:\/\/t.co\/A5uXWPuny6\" rel=\"nofollow\" target=\"_blank\">https:\/\/t.co\/A5uXWPuny6<\/a><\/p>\n<p>&mdash; ZKsync (@zksync) <a href=\"https:\/\/twitter.com\/zksync\/status\/1986229442738593840?ref_src=twsrc%5Etfw\" rel=\"nofollow\" target=\"_blank\">November 6, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Ce mod\u00e8le r\u00e9sout l&rsquo;ancien trade-off. Une banque peut participer \u00e0 un carnet partag\u00e9, se brancher \u00e0 la liquidit\u00e9, mais garder ses flux invisibles hors de son p\u00e9rim\u00e8tre. Un asset manager peut r\u00e9gler un swap onchain sans r\u00e9v\u00e9ler sa patte de march\u00e9. Et les contreparties obtiennent la seule certitude qui int\u00e9resse un <strong>r\u00e9gulateur<\/strong> ou un risk manager : les invariants tiennent, la comptabilit\u00e9 ne triche pas.<\/p>\n<h2>Ce que cela change pour les L2 et pour les banques<\/h2>\n<p>Sur les <a href=\"https:\/\/99bitcoins.com\/fr\/actu\/clash-ethereum-le-cofondateur-de-polygon-perd-confiance-en-eth\/\">L2<\/a>, un r\u00e9seau de rollups capables de partager la liquidit\u00e9 tout en offrant des zones priv\u00e9es ma\u00eetris\u00e9es coche les cases des desks institutionnels : <strong>conformit\u00e9<\/strong>, s\u00e9gr\u00e9gation, et auditabilit\u00e9.<\/p>\n<p>C\u00f4t\u00e9 banques, l&rsquo;effet est plus discret mais profond. Les premi\u00e8res impl\u00e9mentations pilotes montrent qu&rsquo;il devient possible de rapprocher des processus de <strong>r\u00e8glement<\/strong> autrefois \u00e9parpill\u00e9s, tout en gardant la r\u00e9conciliation en temps r\u00e9el. Les obligations de confidentialit\u00e9 cessent d&rsquo;\u00eatre un obstacle technique. Elles deviennent un param\u00e8tre de d\u00e9ploiement.<\/p>\n<p>La cons\u00e9quence attendue, si cette couche s&rsquo;impose, n&rsquo;est pas une explosion de volumes du jour au lendemain. C&rsquo;est une <strong>normalisation progressive<\/strong> des usages : moins de proof-of-concepts isol\u00e9s, plus de routines branch\u00e9es aux syst\u00e8mes existants, davantage de contreparties pr\u00eates \u00e0 s&rsquo;aligner sur un standard commun.<\/p>\n<p>On peut rester focalis\u00e9 sur le prix qui lat\u00e9ralise et les commentaires acides qui accompagnent chaque m\u00e8che. Pourtant le signal est l\u00e0 : la confidentialit\u00e9, au niveau du syst\u00e8me, n&rsquo;est plus cantonn\u00e9e aux d\u00e9bats d&rsquo;id\u00e9es.<\/p>\n<p>Elle devient une <strong>exigence<\/strong> de production. Quand elle est cryptographiquement prouv\u00e9e plut\u00f4t que contractuellement tol\u00e9r\u00e9e, les portes s&rsquo;ouvrent. Et dans ce secteur, c&rsquo;est souvent en silence que les vraies adoptions commencent.<\/p>\n<hr>\n<p><strong>Sur le m\u00eame sujet :<\/strong><\/p>\n<ul>\n<li>Ethereum d\u00e9voile son Privacy Cluster, la r\u00e9volution de la confidentialit\u00e9<\/li>\n<li>Zcash et Monero s&rsquo;enflamment : le grand retour des privacy coins<\/li>\n<li>Anonymat interdit d\u00e8s 2027, l&rsquo;Europe d\u00e9fie la confidentialit\u00e9 crypto<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>On peut passer des mois \u00e0 regarder des courbes, puis r\u00e9aliser que le vrai point de bascule n&rsquo;est pas le prix, mais l&rsquo;infrastructure. Depuis quelques semaines, un angle revient avec insistance dans les salles de march\u00e9 comme chez les builders : la confidentialit\u00e9 n&rsquo;est plus un suppl\u00e9ment geek. C&rsquo;est la condition pour faire entrer des..<\/p>\n","protected":false},"author":135978,"featured_media":26498,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[113,6],"tags":[12],"coin":[15],"class_list":["post-26495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-pr","category-actu","tag-prevente"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La confidentialit\u00e9, futur pilier de la finance onchain<\/title>\n<meta name=\"description\" content=\"Alors que la DeFi m\u00fbrit, la confidentialit\u00e9 devient essentielle pour garantir s\u00e9curit\u00e9, souverainet\u00e9 et adoption \u00e0 grande \u00e9chelle.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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