{"id":26804,"date":"2025-11-14T12:30:24","date_gmt":"2025-11-14T12:30:24","guid":{"rendered":"https:\/\/99bitcoins.com\/fr\/?p=26804"},"modified":"2025-11-14T12:24:47","modified_gmt":"2025-11-14T12:24:47","slug":"interdire-rendement-stablecoins-anti-americain-coinbase","status":"publish","type":"post","link":"https:\/\/99bitcoins.com\/fr\/actu\/interdire-rendement-stablecoins-anti-americain-coinbase\/","title":{"rendered":"Interdire le rendement des stablecoins est \u00ab\u00a0anti-am\u00e9ricain\u00a0\u00bb d&rsquo;apr\u00e8s Coinbase"},"content":{"rendered":"<p>Aux \u00c9tats-Unis, un bras de fer se dessine entre banques traditionnelles et acteurs crypto. Le point de discorde ? Les r\u00e9compenses vers\u00e9es aux clients utilisant des r\u00e9serves en stablecoins. La plateforme Coinbase va m\u00eame jusqu&rsquo;\u00e0 <strong>qualifier d\u2019\u00ab anti am\u00e9ricain \u00bb l\u2019effort pour interdire ces rendements<\/strong>.<\/p>\n<p>Avec l&rsquo;essor fulgurant des stablecoins en 2025, les banques traditionnelles sentent la pression monter. Le d\u00e9bat porte sur le futur du paiement num\u00e9rique, qui va capter les parts de march\u00e9, qui va en extraire la valeur. Les banques ont peut pour leur business, probablement \u00e0 raison.<\/p>\n<h2>Pourquoi les banques font front : fin du monopole ?<\/h2>\n<p>Les banques am\u00e9ricaines alertent sur les programmes de r\u00e9compense offerts aux clients lorsqu\u2019ils paient avec des stablecoins. Selon plusieurs sources, elles redoutent que cela n\u2019entra\u00eene une fuite des d\u00e9p\u00f4ts vers des plateformes crypto. <strong>Si ce sc\u00e9nario se r\u00e9alise, les banques peuvent y perdre gros<\/strong> et voir le mod\u00e8le bancaire traditionnel s&rsquo;effondrer.<\/p>\n<p>La l\u00e9gislation f\u00e9d\u00e9rale pass\u00e9e cet \u00e9t\u00e9 aux Etats-Unis, le GENIUS Act, interdit aux \u00e9metteurs de stablecoins de verser des int\u00e9r\u00eats aux d\u00e9tenteurs. <strong>Toutefois, un flou subsiste<\/strong> concernant les r\u00e9compenses offertes par des tiers. Le Coinbase Institute a publi\u00e9 une <a class=\"general-link\" href=\"https:\/\/ctf-images-01.coinbasecdn.net\/o10es7wu5gm1\/4ERbGVQ1erys2bEh5ndxCJ\/4c6bcb678fa1c18bda7a9e889cec1534\/CBI_GENIUS_Act_interest_rewards.pdf\" target=\"_blank\" rel=\"noopener nofollow\">note<\/a> sur le sujet.<\/p>\n<p>Pour les banques, accepter que des acteurs autres que des banques offrent du cashback ou des remises pour paiement en stablecoins <strong>constitue une forme d\u00e9guis\u00e9e d\u2019int\u00e9r\u00eat<\/strong>. Ce m\u00e9canisme pourrait d\u00e9tourner des comptes d\u00e9p\u00f4ts assur\u00e9s et r\u00e9duire la capacit\u00e9 des banques \u00e0 pr\u00eater en bout de ligne.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">The banking associations are arguing that merchant rewards tied to stablecoin payments are \u201cindirect interest\u201d should be banned. Two problems with this argument: (1) Congress was clear that the GENIUS Act only prohibits interest\/yield paid by the issuer, and nothing else; and (2)\u2026 <a href=\"https:\/\/t.co\/SqHawjm0Es\" rel=\"nofollow\" target=\"_blank\">pic.twitter.com\/SqHawjm0Es<\/a><\/p>\n<p>&mdash; Faryar Shirzad \ud83d\udee1\ufe0f (@faryarshirzad) <a href=\"https:\/\/twitter.com\/faryarshirzad\/status\/1989068495989141867?ref_src=twsrc%5Etfw\" rel=\"nofollow\" target=\"_blank\">November 13, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>En r\u00e9ponse, <strong>elles plaident pour que les r\u00e9gulateurs ferment vite cette porte de sortie<\/strong>. Elles avancent un risque syst\u00e9mique si des milliards de dollars ou d\u2019euros de d\u00e9p\u00f4ts se redirigent vers les stablecoins avec r\u00e9compenses.<\/p>\n<p>Le c\u0153ur du probl\u00e8me est donc double. D\u2019un c\u00f4t\u00e9 les frais de transaction que les banques per\u00e7oivent sur les paiements traditionnels qui est vou\u00e9 \u00e0 se tarir. Et de l\u2019autre, <strong>l\u2019apparition de programmes d\u2019incitation offerts par des acteurs tiers crypto, non soumis aux m\u00eames contraintes r\u00e9glementaires<\/strong>.<\/p>\n<h2>L&rsquo;industrie crypto devient un acteur de poids<\/h2>\n<p>De son c\u00f4t\u00e9, Coinbase et d\u2019autres plateformes de paiement crypto argumentent que le sujet doit \u00eatre mieux r\u00e9fl\u00e9chi. D&rsquo;apr\u00e8s la plateforme am\u00e9ricaine, bloquer les r\u00e9compenses de paiement en stablecoins <strong>revient \u00e0 freiner l\u2019innovation et \u00e0 restreindre le choix des consommateurs<\/strong>.<\/p>\n<p>Une forme de violation de la libert\u00e9 des citoyens, concept sacr\u00e9 aux Etats-Unis, et consacr\u00e9 par la Constitution elle-m\u00eame. Ils estiment que ces programmes augmentent l\u2019adoption des stablecoins comme mode de paiement. Or <strong>les stablecoins ont un r\u00f4le majeur \u00e0 jouer dans le soutien de la dette<\/strong> am\u00e9ricaine.<\/p>\n<p>A elle seule, l&rsquo;entreprise <strong>Tether (USDT) est la 17e plus grande d\u00e9tentrice de dette am\u00e9ricaine<\/strong>, comme l&rsquo;indiquait Paolo Ardoino sur twitter il y a quelques semaines.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">With 135 billion of U.S Treasuries, Tether is now the 17th largest holder of U.S debt, passing also South Korea. <br \/>Soon Brazil! <a href=\"https:\/\/t.co\/wUDyvGcSHE\" rel=\"nofollow\" target=\"_blank\">pic.twitter.com\/wUDyvGcSHE<\/a><\/p>\n<p>&mdash; Paolo Ardoino \ud83e\udd16 (@paoloardoino) <a href=\"https:\/\/twitter.com\/paoloardoino\/status\/1983455972636111011?ref_src=twsrc%5Etfw\" rel=\"nofollow\" target=\"_blank\">October 29, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<p>Pour les commer\u00e7ants, accepter un paiement en <strong>stablecoin avec incitation peut repr\u00e9senter un avantage comp\u00e9titif<\/strong>. Il profite d&rsquo;une r\u00e9duction des frais de paiement en carte. Et avec un peu de chance (et les bonnes lois), il pourrait \u00e0 terme obtenir un rendement pour simple d\u00e9tention de stablecoins dans un wallet.<\/p>\n<p>Il est donc dans leur int\u00e9r\u00eat que ces programmes restent autoris\u00e9s. La difficult\u00e9 r\u00e9side toutefois dans la r\u00e9gulation : <strong>o\u00f9 tracer la ligne entre \u00ab r\u00e9compense \u00bb l\u00e9gitime et \u00ab int\u00e9r\u00eat \u00bb interdit<\/strong> ? Le texte du Genius Act interdit l\u2019int\u00e9r\u00eat direct pay\u00e9 par l\u2019\u00e9metteur de stablecoins, mais il ne traite pas clairement des r\u00e9compenses offertes par des interm\u00e9diaires.<\/p>\n<p>C&rsquo;est la dessus que Coinbase fonde la base de son argumentaire. <strong>Ce flou alimente les tensions entre banques, commer\u00e7ants et acteurs crypto<\/strong>. La prochaine \u00e9tape est une clarification l\u00e9gislative ou r\u00e9glementaire, afin de d\u00e9finir explicitement le statut des programmes de cashback ou r\u00e9ductions li\u00e9s aux stablecoins.<\/p>\n<p>Si les Etats-Unis ouvrent officiellement la voie au rendement sur stablecoins, alors cela pourrait avoir un impact global. Tout d&rsquo;abord <strong>en attirant des capitaux vers les produits stablecoins am\u00e9ricains<\/strong>, puis en incitant d&rsquo;autres pays \u00e0 le faire.<\/p>\n<p>L\u2019approche r\u00e9glementaire am\u00e9ricaine pourrait devenir un mod\u00e8le pour d\u2019autres juridictions. Mais elle est aussi responsable d&rsquo;un d\u00e9chirement l\u00e9gislatif, notamment pour Circle, partag\u00e9 entre lois am\u00e9ricaines et europ\u00e9ennes.<\/p>\n<hr>\n<p><strong>Sur le m\u00eame sujet :<\/strong><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li><a class=\"general-link\" href=\"https:\/\/99bitcoins.com\/fr\/actu\/vitalik-buterin-trustless-manifesto\/\" rel=\"\">Vitalik Buterin sonne l\u2019alarme : \u201cla d\u00e9centralisation ne doit jamais \u00eatre sacrifi\u00e9e\u201d<\/a><\/li>\n<li>Ethereum d\u00e9voile son Privacy Cluster, la r\u00e9volution de la confidentialit\u00e9<\/li>\n<li><a href=\"https:\/\/99bitcoins.com\/fr\/actu\/2026-lannee-du-vrai-bullrun-crypto-dapres-bitwise\/\">2026, l\u2019ann\u00e9e du vrai bullrun crypto d\u2019apr\u00e8s Bitwise<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aux \u00c9tats-Unis, un bras de fer se dessine entre banques traditionnelles et acteurs crypto. Le point de discorde ? Les r\u00e9compenses vers\u00e9es aux clients utilisant des r\u00e9serves en stablecoins. La plateforme Coinbase va m\u00eame jusqu&rsquo;\u00e0 qualifier d\u2019\u00ab anti am\u00e9ricain \u00bb l\u2019effort pour interdire ces rendements. Avec l&rsquo;essor fulgurant des stablecoins en 2025, les banques traditionnelles..<\/p>\n","protected":false},"author":136117,"featured_media":26834,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[10,6],"tags":[11],"coin":[15],"class_list":["post-26804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-altcoins","category-actu","tag-altcoin"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Interdire le rendement des stablecoins est &quot;anti-am\u00e9ricain&quot; d&#039;apr\u00e8s Coinbase - 99bitcoins FR<\/title>\n<meta name=\"description\" content=\"Coinbase monte au cr\u00e9neau pour d\u00e9fendre la distribution de rendements issus des stablecoins \u00e0 leurs d\u00e9tenteurs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/99bitcoins.com\/fr\/actu\/interdire-rendement-stablecoins-anti-americain-coinbase\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Interdire le rendement des stablecoins est &quot;anti-am\u00e9ricain&quot; d&#039;apr\u00e8s Coinbase - 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J\u2019ai d\u00e9couvert le Bitcoin en 2016, mais c\u2019est en 2018, en pleine phase baissi\u00e8re, que j\u2019ai r\u00e9ellement plong\u00e9 dans l\u2019analyse des cycles, des projets et des opportunit\u00e9s que propose l\u2019\u00e9cosyst\u00e8me crypto. Aujourd\u2019hui, je consacre mon temps \u00e0 l\u2019\u00e9tude des tendances du march\u00e9, \u00e0 la recherche de projets innovants, et au partage de strat\u00e9gies accessibles aussi bien aux d\u00e9butants qu\u2019aux investisseurs aguerris. En parall\u00e8le, je suis \u00e9galement r\u00e9dacteur sp\u00e9cialis\u00e9 en crypto et finance d\u00e9centralis\u00e9e. Mon objectif : rendre l\u2019information claire, p\u00e9dagogique et fiable, dans un univers o\u00f9 la d\u00e9sinformation peut co\u00fbter cher. J\u2019interviens sur ce site pour proposer des analyses, d\u00e9crypter l\u2019actualit\u00e9, vulgariser des concepts complexes, et offrir des perspectives concr\u00e8tes sur les mouvements du march\u00e9. Que ce soit pour du swing trading, du scalping ou de l\u2019investissement long terme, je m\u2019efforce d\u2019apporter une vision structur\u00e9e et pragmatique. La crypto est plus qu\u2019un march\u00e9 : c\u2019est une r\u00e9volution en marche. 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J\u2019ai d\u00e9couvert le Bitcoin en 2016, mais c\u2019est en 2018, en pleine phase baissi\u00e8re, que j\u2019ai r\u00e9ellement plong\u00e9 dans l\u2019analyse des cycles, des projets et des opportunit\u00e9s que propose l\u2019\u00e9cosyst\u00e8me crypto. Aujourd\u2019hui, je consacre mon temps \u00e0 l\u2019\u00e9tude des tendances du march\u00e9, \u00e0 la recherche de projets innovants, et au partage de strat\u00e9gies accessibles aussi bien aux d\u00e9butants qu\u2019aux investisseurs aguerris. En parall\u00e8le, je suis \u00e9galement r\u00e9dacteur sp\u00e9cialis\u00e9 en crypto et finance d\u00e9centralis\u00e9e. Mon objectif : rendre l\u2019information claire, p\u00e9dagogique et fiable, dans un univers o\u00f9 la d\u00e9sinformation peut co\u00fbter cher. J\u2019interviens sur ce site pour proposer des analyses, d\u00e9crypter l\u2019actualit\u00e9, vulgariser des concepts complexes, et offrir des perspectives concr\u00e8tes sur les mouvements du march\u00e9. 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