{"id":107408,"date":"2023-08-11T18:21:00","date_gmt":"2023-08-11T18:21:00","guid":{"rendered":"https:\/\/fr.cryptonews.com\/?p=122247"},"modified":"2023-08-11T18:24:11","modified_gmt":"2023-08-11T18:24:11","slug":"visa-explore-paiements-frais-gas-crypto-carte","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/visa-explore-paiements-frais-gas-crypto-carte\/","title":{"rendered":"Visa explore les paiements de frais de gas crypto par carte"},"content":{"rendered":"<figure class=\"image\"><img decoding=\"async\" src=\"https:\/\/cimg.co\/news\/122247\/323458\/capture-decran-2023-08-11.jpg\" alt=\"\" srcset=\"https:\/\/cimg.co\/news\/122247\/323458\/responsive-images\/capture-decran-2023-08-11___media_library_original_1000_503.jpg 1000w, https:\/\/cimg.co\/news\/122247\/323458\/responsive-images\/capture-decran-2023-08-11___media_library_original_900_453.jpg 900w, https:\/\/cimg.co\/news\/122247\/323458\/responsive-images\/capture-decran-2023-08-11___media_library_original_720_362.jpg 720w, https:\/\/cimg.co\/news\/122247\/323458\/responsive-images\/capture-decran-2023-08-11___media_library_original_600_302.jpg 600w, https:\/\/cimg.co\/news\/122247\/323458\/responsive-images\/capture-decran-2023-08-11___media_library_original_300_151.jpg 300w\" sizes=\"100vw\" width=\"1000\" class=\"content-img\"><\/figure><p>Le g&eacute;ant des paiements <a href=\"https:\/\/cryptonews.com\/fr\/exclusives\/visa-ne-compte-pas-ralentir-ses-investissements-dans-la-blockchain-et-les-crypto-monnaies\/\"><strong><u>Visa<\/u><\/strong><\/a> effectue actuellement des <strong>tests pour le d&eacute;veloppement d&rsquo;une solution qui faciliterait consid&eacute;rablement le paiement des frais de gas sur Ethereum<\/strong>. Cette solution permettrait en effet le r&egrave;glement de ces frais par l&rsquo;interm&eacute;diaire d&rsquo;une carte de cr&eacute;dit. Celle-ci constituerait une <strong>innovation qui aurait le potentiel de r&eacute;duire les frictions pour les utilisateurs<\/strong>.<\/p><h2><strong>Le probl&egrave;me<\/strong><\/h2><span class=\"replacer\"><\/span><p>Le parcours de Visa en mati&egrave;re de paiements lui a permis de disposer de l&rsquo;infrastructure n&eacute;cessaire pour faciliter les transactions impliquant diff&eacute;rentes devises. Gr&acirc;ce &agrave; une carte Visa, un utilisateur peut effectuer des achats &agrave; la fois dans son pays natal et &agrave; l&#8217;&eacute;tranger. Visa a not&eacute; que <strong>ce niveau de simplicit&eacute; et de commodit&eacute; n&#8217;existe pas dans le monde de la crypto<\/strong>. Les consommateurs qui effectuent des transactions sur Ethereum doivent <strong>g&eacute;rer leur solde ETH de mani&egrave;re constante pour couvrir les frais de gaz<\/strong>. La solution con&ccedil;ue par le g&eacute;ant des paiements apporterait une simplicit&eacute; et une commodit&eacute; qui rendrait l&rsquo;exp&eacute;rience utilisateur plus fluide et moins fastidieuse.<\/p><p>En effet, sur n&rsquo;importe quelle blockchain, chaque op&eacute;ration entra&icirc;ne le paiement d&rsquo;un co&ucirc;t appel&eacute; frais de &laquo;&nbsp;gaz&nbsp;&raquo;. <strong>Ce paiement requiert des processus et m&eacute;thodes complexes<\/strong> : certains utilisateurs s&#8217;appuient sur des services fiat on-ramp pour convertir les monnaies fiduciaires en jetons natifs comme ETH. D&#8217;autres ach&egrave;tent des ETH sur un exchange crypto centralis&eacute; avant de les transf&eacute;rer dans leur portefeuille. Ces m&eacute;thodes peuvent exposer les utilisateurs &agrave; un <strong>risque de volatilit&eacute; &eacute;lev&eacute;<\/strong> : sur Ethereum, ils doivent acheter syst&eacute;matiquement des ETH m&ecirc;me lorsqu&#8217;une autre cryptomonnaie ou un stablecoin est utilis&eacute; pour la transaction correspondante.<\/p><div class=\"raw-html-embed\"><blockquote class=\"twitter-tweet\"><p lang=\"en\" dir=\"ltr\">&#128680; JUST IN: <a href=\"https:\/\/twitter.com\/hashtag\/Visa?src=hash&amp;ref_src=twsrc%5Etfw\">#Visa<\/a> is testing gas fee payments on <a href=\"https:\/\/twitter.com\/hashtag\/Ethereum?src=hash&amp;ref_src=twsrc%5Etfw\">#Ethereum<\/a> with Visa Card.<\/p>&mdash; Satoshi Club (@esatoshiclub) <a href=\"https:\/\/twitter.com\/esatoshiclub\/status\/1689962142554890240?ref_src=twsrc%5Etfw\">August 11, 2023<\/a><\/blockquote> <script async=\"\" src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><\/div><h2><strong>Les caract&eacute;ristiques de la solution<\/strong><\/h2><span class=\"replacer\"><\/span><p>La solution d&eacute;velopp&eacute;e par Visa a &eacute;t&eacute; con&ccedil;ue au cours d&rsquo;un hackaton interne centr&eacute; autour de la <strong>conception d&rsquo;un compte de contrat intelligent<\/strong> <strong>baptis&eacute; &laquo;&nbsp;<\/strong><i><strong>Paymasters<\/strong><\/i><strong>&nbsp;&raquo;<\/strong>. Cette solution utilise la <strong>norme ERC-4337<\/strong> d&#8217;Ethereum et un <strong>contrat de paiement<\/strong>. Ce paiement peut &ecirc;tre <strong>effectu&eacute; par l&#8217;utilisateur hors cha&icirc;ne &agrave; partir d&#8217;une carte Visa<\/strong>. En parall&egrave;le, la <strong>couverture du montant &eacute;quivalent sera r&eacute;alis&eacute;e sur la cha&icirc;ne, au nom de l&rsquo;utilisateur<\/strong>.<\/p><p>La configuration mise en place pour activer le paiement hors cha&icirc;ne repose sur un <i>Checking Paymaster<\/i>. Il s&rsquo;agit d&rsquo;un contrat intelligent qui <strong>d&eacute;l&egrave;gue toutes les v&eacute;rifications n&eacute;cessaires et la recherche d&#8217;informations &agrave; un composant hors cha&icirc;ne<\/strong>. Le contrat intelligent sur la cha&icirc;ne peut ensuite utiliser les donn&eacute;es et l&#8217;approbation fournies par le composant offchain pour autoriser le paiement. <strong>Pour transf&eacute;rer de mani&egrave;re fiable ces informations, le service utilisera la cryptographie<\/strong>&nbsp;: une cl&eacute; secr&egrave;te produira une signature num&eacute;rique &agrave; envoyer avec les informations valides. Le contrat intelligent paymaster peut &agrave; son tour utiliser la cl&eacute; publique correspondante pour valider la signature et l&#8217;authenticit&eacute; de l&#8217;information.<\/p><figure class=\"image\"><img decoding=\"async\" src=\"https:\/\/cimg.co\/p\/no_image.svg\" alt=\"\" sizes=\"100vw\" width=\"921\" class=\"content-img lazyload\" data-src=\"https:\/\/cimg.co\/news\/122247\/323459\/capture-decran-2023-08-11.jpg\" data-srcset=\"https:\/\/cimg.co\/news\/122247\/323459\/responsive-images\/capture-decran-2023-08-11___media_library_original_921_490.jpg 921w, https:\/\/cimg.co\/news\/122247\/323459\/responsive-images\/capture-decran-2023-08-11___media_library_original_900_479.jpg 900w, https:\/\/cimg.co\/news\/122247\/323459\/responsive-images\/capture-decran-2023-08-11___media_library_original_720_383.jpg 720w, https:\/\/cimg.co\/news\/122247\/323459\/responsive-images\/capture-decran-2023-08-11___media_library_original_600_319.jpg 600w, https:\/\/cimg.co\/news\/122247\/323459\/responsive-images\/capture-decran-2023-08-11___media_library_original_300_160.jpg 300w\"><figcaption>Source : Visa<\/figcaption><\/figure><p>Le d&eacute;veloppement de cette solution fait suite &agrave; une <a href=\"https:\/\/cryptonews.com\/fr\/news\/visa-veut-travailler-avec-ethereum-pour-faire-des-paiements-automatises-sans-tiers-centralises\/\"><u>proposition<\/u><\/a> publi&eacute;e en d&eacute;cembre 2022 par Visa. Celle-ci avait pour objectif de permettre aux utilisateurs d&#8217;Ethereum d&#8217;effectuer des paiements programmables automatis&eacute;s sans l&#8217;intervention d&#8217;un tiers. Visa semble privil&eacute;gier <a href=\"https:\/\/cryptonews.com\/fr\/news\/flux-illicites-ethereum-atteint-plus-haut-niveau-annuel-semaine-derniere\/\" rel=\"nofollow\">Ethereum<\/a> pour son incursion dans le secteur crypto. Un peu plus t&ocirc;t cette ann&eacute;e, la soci&eacute;t&eacute; de paiements a &eacute;tudi&eacute; la possibilit&eacute; d&rsquo;effectuer des r&egrave;glements de grande valeur en USDC sur la deuxi&egrave;me blockchain du march&eacute;.&nbsp;<\/p><p><i>Source : <\/i><a href=\"https:\/\/usa.visa.com\/solutions\/crypto\/paying-blockchain-gas-fees-with-card.html\"><i><u>Visa<\/u><\/i><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Le g&eacute;ant des paiements Visa effectue actuellement des tests pour le d&eacute;veloppement d&rsquo;une solution qui faciliterait consid&eacute;rablement le paiement des frais de gas sur Ethereum. Cette solution permettrait en effet le r&egrave;glement de ces frais par l&rsquo;interm&eacute;diaire d&rsquo;une carte de cr&eacute;dit. Celle-ci constituerait une innovation qui aurait le potentiel de r&eacute;duire les frictions pour les [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,1],"tags":[51,209],"editors":[1620],"sponsored_companies":[],"class_list":["post-107408","post","type-post","status-publish","format-standard","hentry","category-blockchain-news","category-news","tag-ethereum","tag-visa","editors-corinne-r"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Visa : bient\u00f4t des paiements de frais de gas crypto par carte ?<\/title>\n<meta name=\"description\" content=\"Cette nouvelle solution d\u00e9velopp\u00e9e par Visa pourrait avoir un impact significatif sur Ethereum.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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