{"id":33847,"date":"2026-06-01T09:47:14","date_gmt":"2026-06-01T09:47:14","guid":{"rendered":"https:\/\/99bitcoins.com\/fr\/?p=33847"},"modified":"2026-06-01T08:17:04","modified_gmt":"2026-06-01T08:17:04","slug":"sofi-lance-sofiusd-le-premier-stablecoin-de-banque-nationale","status":"publish","type":"post","link":"https:\/\/99bitcoins.com\/fr\/actu\/sofi-lance-sofiusd-le-premier-stablecoin-de-banque-nationale\/","title":{"rendered":"SoFi lance SOFIUSD : le premier stablecoin de banque nationale"},"content":{"rendered":"<p>Dans l&rsquo;actualit\u00e9 r\u00e9cente de Solana, <strong>SOFIUSD<\/strong>, un stablecoin index\u00e9 sur le dollar, a \u00e9t\u00e9 lanc\u00e9 par <strong>SoFi<\/strong> au d\u00e9but de l&rsquo;ann\u00e9e 2026. Cette fintech cot\u00e9e en bourse et d\u00e9tentrice d&rsquo;une charte bancaire, qui compte 15,4 millions de membres, a d\u00e9ploy\u00e9 son jeton simultan\u00e9ment sur les r\u00e9seaux <strong>Ethereum<\/strong> et <strong>Solana<\/strong>.<\/p>\r\n<p>Chaque jeton est garanti \u00e0 1:1 par un portefeuille de r\u00e9serve compos\u00e9 \u00e0 85 % de bons du Tr\u00e9sor am\u00e9ricain \u00e0 court terme et \u00e0 15 % de liquidit\u00e9s d\u00e9pos\u00e9es dans des institutions assur\u00e9es par la FDIC. Ces r\u00e9serves sont v\u00e9rifi\u00e9es mensuellement par <strong>Deloitte<\/strong> et conserv\u00e9es sur des comptes s\u00e9par\u00e9s \u00e0 la <strong>Federal Reserve Bank de San Francisco<\/strong>.<\/p>\r\n<p>L&rsquo;enjeu central de cette annonce r\u00e9side dans le terme \u00ab r\u00e9glement\u00e9 \u00bb. Si ce label est souvent appos\u00e9 sur de nombreux produits financiers, il est crucial pour les investisseurs particuliers de comprendre ce qu&rsquo;il signifie concr\u00e8tement pour le SOFIUSD : quelles protections offre-t-il r\u00e9ellement, quelles sont ses limites, et comment se compare-t-il aux options existantes comme l&rsquo;<strong>USDC<\/strong> ou l&rsquo;<strong>USDT<\/strong> ?<\/p>\r\n<p><blockquote class=\"twitter-tweet\" data-width=\"500\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">Say \u201chi\u201d to SoFiUSD (SoFiD) \ud83d\udc4b <br><br>The first stablecoin issued by a U.S. national bank and redeemable 1:1 for cash or cash equivalents. Rolling out now, it\u2019s built for how money moves today: fast, flexible, 24\/7. <a href=\"https:\/\/t.co\/I0eHIxDR50\" rel=\"nofollow\" target=\"_blank\">pic.twitter.com\/I0eHIxDR50<\/a><\/p>&mdash; SoFi (@SoFi) <a href=\"https:\/\/x.com\/SoFi\/status\/2059609420544516348?ref_src=twsrc%5Etfw\" rel=\"nofollow\" target=\"_blank\">May 27, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.x.com\/widgets.js\" charset=\"utf-8\"><\/script><\/p>\r\n<h2>Actualit\u00e9s Solana : Qu&rsquo;est-ce que le SOFIUSD ? Explications simples<\/h2>\r\n<p>Consid\u00e9rez le SOFIUSD comme un ticket de r\u00e9clamation num\u00e9rique pour un dollar r\u00e9el stock\u00e9 dans un coffre-fort sous surveillance gouvernementale. Lorsque vous d\u00e9tenez un jeton SOFIUSD, la loi oblige SoFi \u00e0 d\u00e9tenir des actifs garantis par le Tr\u00e9sor am\u00e9ricain d&rsquo;une valeur \u00e9quivalente \u00e0 un dollar en votre nom.<\/p>\r\n<p>Le jeton lui-m\u00eame circule sur une blockchain, Ethereum ou Solana, mais la valeur qui le soutient ne quitte jamais l&rsquo;infrastructure financi\u00e8re r\u00e9glement\u00e9e.<\/p>\r\n<p>L&rsquo;ancrage 1:1 signifie qu&rsquo;un SOFIUSD doit toujours \u00eatre \u00e9changeable contre un dollar am\u00e9ricain. De plus, la loi <em>Stablecoin Transparency and Accountability Act<\/em>, sign\u00e9e fin 2025, impose l\u00e9galement \u00e0 SoFi d&rsquo;honorer ce rachat dans un d\u00e9lai de deux jours ouvrables.<\/p>\r\n<figure id=\"attachment_347893\" class=\"wp-caption alignnone\" style=\"width: 1024px\">\r\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/99bitcoins.com\/fr\/wp-content\/uploads\/sites\/4\/2026\/06\/content-img-1-2.jpg\" alt=\"\" \/><\/figure>\r\n\r\n<figcaption class=\"wp-caption-text\">Source : <a class=\"general-link\" href=\"https:\/\/www.sofi.com\/crypto\/sofiusd\/\" target=\"_blank\" rel=\"noopener nofollow\">SoFi Bank<\/a><\/figcaption>\r\n<\/figure>\r\n<p>Ce mod\u00e8le diff\u00e8re radicalement d&rsquo;un stablecoin algorithmique, qui tente de maintenir sa parit\u00e9 via du code et des incitations de march\u00e9 plut\u00f4t que par des r\u00e9serves r\u00e9elles en dollars \u2014 un syst\u00e8me qui s&rsquo;est effondr\u00e9 de mani\u00e8re catastrophique avec le <strong>TerraUSD<\/strong> en 2022.<\/p>\r\n<p>La structure de r\u00e9serve adoss\u00e9e au Tr\u00e9sor am\u00e9ricain distingue \u00e9galement le SOFIUSD des anciens stablecoins dont la garantie restait opaque. <strong>Tether<\/strong>, l&rsquo;\u00e9metteur de l&rsquo;USDT, a longtemps \u00e9t\u00e9 interrog\u00e9 sur la r\u00e9alit\u00e9 et la liquidit\u00e9 de ses r\u00e9serves. \u00c0 l&rsquo;inverse, SoFi publie quotidiennement la composition de ses r\u00e9serves sur son site web, instaurant un standard bien diff\u00e9rent de celui des autres banques.<\/p>\r\n<p>Sur le plan technique, le SOFIUSD est \u00e9mis sous forme de jeton <strong>ERC-20<\/strong> sur Ethereum pour un usage institutionnel, et sous forme de jeton <strong>SPL<\/strong> sur Solana pour des transactions de d\u00e9tail rapides et \u00e0 faible co\u00fbt. Les <a class=\"general-link\" href=\"https:\/\/99bitcoins.com\/news\/altcoins\/solana-q1-2026-report-network-data-investors\/\" target=\"_blank\" rel=\"noopener\">donn\u00e9es r\u00e9seau de Solana pour le premier trimestre 2026<\/a> d\u00e9montrent d&rsquo;ailleurs pourquoi cette cha\u00eene est devenue incontournable pour les cas d&rsquo;usage de paiement par stablecoin.<\/p>\r\n<h2>Que signifie r\u00e9ellement le statut \u00ab r\u00e9glement\u00e9 \u00bb pour l&rsquo;investisseur ?<\/h2>\r\n<p>Le terme \u00ab r\u00e9glement\u00e9 \u00bb apporte une r\u00e9elle valeur ajout\u00e9e, \u00e0 condition d&rsquo;en comprendre la port\u00e9e. SoFi est supervis\u00e9e par l&rsquo;<strong>Office of the Comptroller of the Currency (OCC)<\/strong> en tant que banque nationale \u00e0 charte. Elle appartient donc \u00e0 la m\u00eame cat\u00e9gorie r\u00e9glementaire que les banques traditionnelles, ce qui implique le respect d&rsquo;exigences de capital et de normes de protection des consommateurs que la plupart des \u00e9metteurs de stablecoins natifs de la crypto tentent de reproduire depuis des ann\u00e9es via des licences de transmetteurs de fonds \u00e9tat par \u00e9tat.<\/p>\r\n<p>Concr\u00e8tement, cette structure de stablecoin r\u00e9glement\u00e9 offre trois protections majeures qu&rsquo;un \u00e9metteur non r\u00e9glement\u00e9 ou offshore ne peut garantir :<\/p>\r\n<p><strong>Transparence des r\u00e9serves :<\/strong> Des attestations mensuelles SOC 2 Type II r\u00e9alis\u00e9es par Deloitte confirment que les r\u00e9serves garantissant chaque jeton SOFIUSD existent r\u00e9ellement et sont compos\u00e9es comme annonc\u00e9. L&rsquo;investisseur ne se fie pas \u00e0 un simple communiqu\u00e9 de presse, mais \u00e0 un rapport audit\u00e9 par un cabinet comptable agr\u00e9\u00e9.<\/p>\r\n<p><strong>Garantie de rachat :<\/strong> La loi exige un rachat complet sous deux jours ouvrables. SoFi traite ces op\u00e9rations via les syst\u00e8mes <strong>ACH<\/strong> et de virement qu&rsquo;elle utilise d\u00e9j\u00e0 pour ses retraits classiques, s&rsquo;appuyant sur une infrastructure existante et \u00e9prouv\u00e9e.<\/p>\r\n<figure id=\"attachment_347894\" class=\"wp-caption alignnone\" style=\"width: 1024px\">\r\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/99bitcoins.com\/fr\/wp-content\/uploads\/sites\/4\/2026\/06\/content-img-2-2.jpg\" alt=\"\" \/><\/figure>\r\n\r\n<figcaption class=\"wp-caption-text\">Source : <a class=\"general-link\" href=\"https:\/\/www.sofi.com\/crypto\/sofiusd\/\" target=\"_blank\" rel=\"noopener nofollow\">Sofi Bank Announcement<\/a><\/figcaption>\r\n<\/figure>\r\n<p><strong>S\u00e9gr\u00e9gation des r\u00e9serves :<\/strong> Les actifs garantissant le SOFIUSD sont conserv\u00e9s sur des comptes s\u00e9gr\u00e9gu\u00e9s, ce qui signifie qu&rsquo;ils sont juridiquement s\u00e9par\u00e9s du capital op\u00e9rationnel de SoFi. En cas de difficult\u00e9s financi\u00e8res de l&rsquo;entreprise, ces r\u00e9serves ne seraient pas accessibles aux cr\u00e9anciers ; elles servent exclusivement \u00e0 garantir les jetons.<\/p>\r\n<p>Il est tout aussi important de pr\u00e9ciser ce que le statut r\u00e9glement\u00e9 ne garantit PAS. Le SOFIUSD n&rsquo;est pas assur\u00e9 par la <strong>FDIC<\/strong>, comme le stipulent explicitement les divulgations de SoFi. Il ne supprime pas le risque li\u00e9 aux <strong>smart contracts<\/strong>, o\u00f9 une faille dans le code du jeton pourrait th\u00e9oriquement \u00eatre exploit\u00e9e.<\/p>\r\n<p>De plus, il ne prot\u00e8ge pas contre les interruptions de r\u00e9seau sur Ethereum ou Solana. Enfin, le rendement promotionnel de 4,2 % APY offert au lancement est financ\u00e9 par les revenus des r\u00e9serves du Tr\u00e9sor, ce qui signifie qu&rsquo;il peut \u00e9voluer selon les conditions de taux d&rsquo;int\u00e9r\u00eat. La r\u00e9glementation s\u00e9curise les bases, mais elle n&rsquo;\u00e9limine pas tous les risques.<\/p>\r\n<p>Pour mieux comprendre l&rsquo;importance de ce cadre l\u00e9gal dans le paysage crypto global, les explications sur le <a class=\"general-link\" href=\"https:\/\/99bitcoins.com\/news\/bitcoin-btc\/bitcoin-news-today-arma-bill-strategic-bitcoin-reserve-explained\/\" target=\"_blank\" rel=\"noopener\">projet de loi ARMA<\/a> d\u00e9taillent comment les r\u00e9glementations am\u00e9ricaines red\u00e9finissent la classification des actifs num\u00e9riques. Ce contexte est essentiel pour saisir pourquoi une charte bancaire modifie radicalement le profil de risque d&rsquo;un \u00e9metteur de stablecoin.<\/p>","protected":false},"excerpt":{"rendered":"<p>SoFi lance SOFIUSD sur Solana et Ethereum. D\u00e9couvrez ce stablecoin r\u00e9glement\u00e9, adoss\u00e9 \u00e0 100% par des bons du Tr\u00e9sor US et audit\u00e9 par Deloitte.<\/p>\n","protected":false},"author":135978,"featured_media":33838,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[6],"tags":[],"coin":[15],"class_list":["post-33847","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SoFi lance SOFIUSD : le premier stablecoin de banque nationale<\/title>\n<meta name=\"description\" content=\"Dans l&#039;actualit\u00e9 r\u00e9cente de Solana, SOFIUSD, un stablecoin index\u00e9 sur le dollar, a \u00e9t\u00e9 lanc\u00e9 par SoFi au d\u00e9but de l&#039;ann\u00e9e 2026.\" \/>\n<meta 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