{"id":28085,"date":"2025-11-26T10:00:58","date_gmt":"2025-11-26T10:00:58","guid":{"rendered":"https:\/\/99bitcoins.com\/fr\/?p=28085"},"modified":"2025-11-26T09:11:57","modified_gmt":"2025-11-26T09:11:57","slug":"afrique-sud-risque-crypto-2025","status":"publish","type":"post","link":"https:\/\/99bitcoins.com\/fr\/actu\/afrique-sud-risque-crypto-2025\/","title":{"rendered":"Afrique du Sud : 7,8 millions d\u2019utilisateurs crypto, les autorit\u00e9s s\u2019inqui\u00e8tent"},"content":{"rendered":"<p>Les <strong>stablecoins<\/strong> ont pris le contr\u00f4le sans que personne ne s&rsquo;en rende compte. Pour la banque centrale sud africaine, le signal d&rsquo;alarme ne vient plus seulement de Bitcoin ou d&rsquo;Ether. Le dernier <strong>rapport de stabilit\u00e9 financi\u00e8re<\/strong> insiste sur autre chose : en l&rsquo;espace de deux ans, les stablecoins adoss\u00e9s au dollar sont devenus le point de passage oblig\u00e9 de la plupart des \u00e9changes crypto locaux.<\/p>\n<h2>Les stablecoins ont pris le contr\u00f4le sans que personne ne s&rsquo;en rende compte<\/h2>\n<p>L\u00e0 o\u00f9 les traders utilisaient surtout BTC ou d&rsquo;autres <strong>actifs volatils<\/strong> comme paire principale jusqu&rsquo;en 2022, les plateformes sud africaines voient d\u00e9sormais l&rsquo;essentiel de leurs volumes se faire contre des stablecoins index\u00e9s sur l&rsquo;USD. Moins de volatilit\u00e9, plus de confort pour les utilisateurs, mais un <strong>effet collat\u00e9ral \u00e9vident<\/strong> pour la South African Reserve Bank : ces jetons num\u00e9riques fonctionnent comme des comptes en dollars accessibles via une simple appli, en dehors des circuits bancaires classiques.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">\ud83d\udea8CRAZY!!!<\/p>\n<p>The South African Reserve Bank just labeled crypto and stablecoins as new financial risks.<\/p>\n<p>Meanwhile major banks are onboard, and big companies are already accepting crypto as payment.<\/p>\n<p>Regulators are scrambling to understand what the market already adopted! <a href=\"https:\/\/t.co\/b5JaIb1riC\" rel=\"nofollow\" target=\"_blank\">pic.twitter.com\/b5JaIb1riC<\/a><\/p>\n<p>&mdash; Kyle Chass\u00e9 \/ DD\ud83d\udc38 (@Kylechasse) <a href=\"https:\/\/twitter.com\/Kylechasse\/status\/1993469767102218686?ref_src=twsrc%5Etfw\" rel=\"nofollow\" target=\"_blank\">November 26, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<h2>Une \u00ab\u00a0nouvelle vuln\u00e9rabilit\u00e9\u00a0\u00bb pour la stabilit\u00e9 financi\u00e8re<\/h2>\n<p>C&rsquo;est dans ce contexte que la SARB, dans son rapport de <strong>stabilit\u00e9 financi\u00e8re 2025<\/strong>, classe pour la premi\u00e8re fois \u00ab crypto actifs et stablecoins \u00bb parmi les risques li\u00e9s \u00e0 l&rsquo;innovation financi\u00e8re. Le ton n&rsquo;est pas alarmiste, mais il est clair : tant que le cadre reste incomplet, ces instruments peuvent devenir un <strong>point faible du syst\u00e8me<\/strong>.<\/p>\n<p>Le document rappelle que la nature enti\u00e8rement num\u00e9rique et donc transfrontali\u00e8re des <strong>crypto actifs<\/strong> permet de contourner les r\u00e8gles de contr\u00f4le des changes qui encadrent les entr\u00e9es et sorties de capitaux du pays. Pour un \u00c9tat qui surveille de pr\u00e8s ces flux, voir une part croissante de la valeur migrer sur des rails difficilement contr\u00f4lables devient un <a href=\"https:\/\/99bitcoins.com\/fr\/actu\/si-prochaine-crise-venait-des-stablecoins-banques-centrales-inquietent\/\">sujet de stabilit\u00e9 macro<\/a>, pas seulement un d\u00e9bat technologique.<\/p>\n<h2>Un cadre r\u00e9glementaire en retard sur l&rsquo;usage r\u00e9el<\/h2>\n<p>Le probl\u00e8me, pour la banque centrale, n&rsquo;est pas seulement la <strong>popularit\u00e9 des cryptos<\/strong>. C&rsquo;est le d\u00e9calage entre cette adoption et l&rsquo;\u00e9tat du droit. L&rsquo;Afrique du Sud ne dispose d&rsquo;aucun cadre d\u00e9di\u00e9 aux <strong>stablecoins dits \u00ab\u00a0globaux\u00a0\u00bb<\/strong> et seulement de r\u00e8gles partielles pour les crypto actifs en g\u00e9n\u00e9ral.<\/p>\n<p>La SARB reprend ce constat et pr\u00e9vient qu&rsquo;en l&rsquo;absence de v\u00e9ritable <strong>architecture r\u00e9glementaire<\/strong>, des risques peuvent s&rsquo;accumuler sans \u00eatre vus, puis appara\u00eetre brutalement. Ce n&rsquo;est pas la premi\u00e8re fois que l&rsquo;institution se montre prudente : d\u00e8s 2017, un vice gouverneur estimait d\u00e9j\u00e0 qu&rsquo;une monnaie num\u00e9rique \u00e9mise par la banque centrale serait trop risqu\u00e9e. La diff\u00e9rence, aujourd&rsquo;hui, c&rsquo;est l&rsquo;\u00e9chelle d&rsquo;utilisation.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">LATEST: \ud83c\uddff\ud83c\udde6  South Africa&#39;s central bank named crypto assets and stablecoins a new financial risk in its latest stability report, noting that combined users on the country&#39;s three largest exchanges were 7.8 million as of July. <a href=\"https:\/\/t.co\/7fnwLVF8hS\" rel=\"nofollow\" target=\"_blank\">pic.twitter.com\/7fnwLVF8hS<\/a><\/p>\n<p>&mdash; CoinMarketCap (@CoinMarketCap) <a href=\"https:\/\/twitter.com\/CoinMarketCap\/status\/1993487391839932775?ref_src=twsrc%5Etfw\" rel=\"nofollow\" target=\"_blank\">November 26, 2025<\/a><\/p><\/blockquote>\n<p><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\n<h2>Le gouvernement, lui, a d\u00e9j\u00e0 ouvert la porte aux acteurs crypto<\/h2>\n<p>Pendant que la banque centrale appuie sur le frein, d&rsquo;autres autorit\u00e9s ont d\u00e9j\u00e0 mis un pied sur l&rsquo;acc\u00e9l\u00e9rateur. En 2022, la <strong>Financial Sector Conduct Authority<\/strong> a class\u00e9 les cryptomonnaies comme \u00ab\u00a0produits financiers\u00a0\u00bb, ce qui a permis d&rsquo;accorder des licences \u00e0 des entreprises du secteur et de les faire rentrer dans le p\u00e9rim\u00e8tre des r\u00e8gles classiques de protection des investisseurs et de conformit\u00e9.<\/p>\n<p>R\u00e9sultat : le pays se retrouve avec un paysage \u00e0 deux niveaux. D&rsquo;un c\u00f4t\u00e9, les <strong>plateformes enregistr\u00e9es<\/strong> qui tentent de jouer le jeu et de se conformer aux exigences. De l&rsquo;autre, une banque centrale qui rappelle que, vue du sommet du syst\u00e8me financier, l&rsquo;effet combin\u00e9 d&rsquo;une <a href=\"https:\/\/99bitcoins.com\/fr\/actu\/crypto-afrique-economies\/\">adoption de masse<\/a> et d&rsquo;un encadrement encore parcellaire reste une source de fragilit\u00e9 potentielle.<\/p>\n<h2>Des millions d&rsquo;utilisateurs, plus d&rsquo;un milliard en garde, et un d\u00e9bat qui commence \u00e0 peine<\/h2>\n<p>Derri\u00e8re ces discussions techniques, la r\u00e9alit\u00e9 chiffr\u00e9e est d\u00e9j\u00e0 l\u00e0. Selon le <a href=\"https:\/\/www.resbank.co.za\/content\/dam\/sarb\/publications\/reviews\/finstab-review\/2025\/second-edition\/Second%20Edition%202025%20Financial%20Stability%20Review.pdf\" target=\"_blank\" rel=\"noopener nofollow\">rapport de la SARB<\/a>, les trois plus grandes plateformes crypto du pays cumulaient <strong>7,8 millions de comptes<\/strong> enregistr\u00e9s en juillet. \u00c0 la fin de 2024, environ <strong>1,5 milliard de dollars<\/strong> y \u00e9taient conserv\u00e9s sous forme de crypto actifs.<\/p>\n<p>Officiellement, la banque centrale ne parle donc pas d&rsquo;un risque syst\u00e9mique imm\u00e9diat. Elle d\u00e9crit plut\u00f4t une trajectoire potentiellement probl\u00e9matique sans structure. Adoption massive, mont\u00e9e des stablecoins index\u00e9s sur le dollar, <strong>contr\u00f4le des changes<\/strong> plus faciles \u00e0 contourner, cadre encore incomplet : tous ces \u00e9l\u00e9ments finissent par se croiser.<\/p>\n<p>Comme ailleurs, la question n&rsquo;est plus de savoir si les Sud Africains utilisent les cryptos, mais si l&rsquo;\u00c9tat sera capable de les int\u00e9grer \u00e0 son <strong>architecture financi\u00e8re<\/strong> sans \u00e9touffer l&rsquo;innovation ni laisser un risque invisible grossir en marge du syst\u00e8me.<\/p>\n<hr>\n<p><strong>Sur le m\u00eame sujet :<\/strong><\/p>\n<ul>\n<li>Genius Act : Quelles cons\u00e9quences pour vos investissements ?<\/li>\n<li>Stablecoins : le S\u00e9nat valide le GENIUS Act, une \u00e9tape majeure vers la r\u00e9gulation<\/li>\n<li><a href=\"https:\/\/99bitcoins.com\/fr\/actu\/stablecoins-bce-inquiete-risques-bank-run\/\">Stablecoins : la BCE inqui\u00e8te face aux risques de bank run<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Les stablecoins ont pris le contr\u00f4le sans que personne ne s&rsquo;en rende compte. Pour la banque centrale sud africaine, le signal d&rsquo;alarme ne vient plus seulement de Bitcoin ou d&rsquo;Ether. Le dernier rapport de stabilit\u00e9 financi\u00e8re insiste sur autre chose : en l&rsquo;espace de deux ans, les stablecoins adoss\u00e9s au dollar sont devenus le point..<\/p>\n","protected":false},"author":135978,"featured_media":28090,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[8,6],"tags":[13],"coin":[15],"class_list":["post-28085","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bitcoin","category-actu","tag-bitcoin"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Afrique du Sud : 7,8 millions d\u2019utilisateurs crypto, les autorit\u00e9s s\u2019inqui\u00e8tent<\/title>\n<meta name=\"description\" content=\"La banque centrale d\u2019Afrique du Sud classe la crypto et les stablecoins comme 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