{"id":148426,"date":"2024-09-27T13:54:00","date_gmt":"2024-09-27T13:54:00","guid":{"rendered":"https:\/\/fr.cryptonews.com\/?p=148426"},"modified":"2024-11-12T12:25:45","modified_gmt":"2024-11-12T12:25:45","slug":"apres-paypal-stablecoin-au-tour-revolut-robinhood","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/apres-paypal-stablecoin-au-tour-revolut-robinhood\/","title":{"rendered":"Apr\u00e8s Paypal avec son stablecoin, au tour de Revolut et Robinhood ?"},"content":{"rendered":"<p>Longtemps domin\u00e9 par Tether (USDt), le secteur des stablecoins pourrait bient\u00f4t voir <strong>d\u00e9barquer de nouveaux acteurs<\/strong> de la fintech, tels que Revolut et Robinhood.<\/p><p>Apr\u00e8s le lancement \u00e0 succ\u00e8s du stablecoin de PayPal, il semble que ces deux g\u00e9ants se tiennent en embuscade, pr\u00eats \u00e0 entrer dans l\u2019ar\u00e8ne. <\/p><p>Pourtant, m\u00eame ces plans pourraient se confronter \u00e0 des d\u00e9fis \u00e0 l\u2019heure o\u00f9 les <strong>r\u00e9gulations europ\u00e9ennes se durcissen<\/strong>t avec l\u2019arriv\u00e9e de la loi MiCA (Markets in Crypto-Assets).<br><\/p><h2 class=\"wp-block-heading\" id=\"h-l-interet-croissant-des-fintechs-pour-les-stablecoins-dans-un-cadre-reglementaire-changeant\">L&#8217;int\u00e9r\u00eat croissant des fintechs pour les stablecoins dans un cadre r\u00e9glementaire changeant<br><\/h2><span class=\"replacer\"><\/span><p>D\u2019apr\u00e8s les indiscr\u00e9tions de Bloomberg, Robinhood et Revolut se pr\u00e9parent \u00e0 plonger dans l\u2019univers des stablecoins.<\/p><figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">Is there a stablecoin renaissance memo going around&#8230;?<br><br>Ethena with Blackrock announcement<br>Visa stablecoin announcement <br><br>Robinhood doesn&#39;t want to be left out the party, and neither does Revolut &#8211; two massive multi-billion dollar FinTechs entering the chat<br><br>Who&#39;s next? <a href=\"https:\/\/t.co\/QKrZTKrTBN\">https:\/\/t.co\/QKrZTKrTBN<\/a><\/p>&mdash; Boz \ud83d\udee1\ufe0f (@boz_menzalji) <a href=\"https:\/\/twitter.com\/boz_menzalji\/status\/1839353151482363962?ref_src=twsrc%5Etfw\">September 26, 2024<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><p>Un march\u00e9 juteux, d\u00e9j\u00e0 test\u00e9 par PayPal, o\u00f9 les deux fintechs esp\u00e8rent <strong>bousculer le statu quo.<\/strong><\/p><p>Mais voil\u00e0 : malgr\u00e9 l&#8217;effervescence provoqu\u00e9e par la nouvelle, le fait est qu\u2019aucun des deux mastodontes n\u2019a encore os\u00e9 passer \u00e0 l\u2019action. <\/p><p>Certes, il y a eu des d\u00e9clarations vagues, des projets \u00ab en r\u00e9flexion \u00bb, mais <strong>toujours rien de concret.<\/strong> C&#8217;est comme si les entreprises se tenaient pr\u00eates sur la ligne de d\u00e9part\u2026 sans toutefois franchir le pas.<\/p><p>Pour certains analystes, le frein se situe du c\u00f4t\u00e9 de MiCA. Ce cadre r\u00e9glementaire europ\u00e9en, mis en place pour dompter les <a href=\"https:\/\/cryptonews.com\/fr\/guides\/qu-est-ce-que-la-cryptomonnaie\/\">crypto-monnaies,<\/a> impose des conditions strictes.<\/p><p>Si Revolut et Robinhood veulent conqu\u00e9rir l\u2019Europe, il va falloir respecter ces nouvelles r\u00e8gles du jeu : des r\u00e9serves obligatoires, des plafonds de transactions, et une transparence \u00e0 toute \u00e9preuve. <\/p><p>MiCA ne laisse pas de place \u00e0 l&#8217;improvisation : toute entreprise qui ambitionne de lancer un stablecoin en Europe devra <strong>se plier aux nouvelles normes.<\/strong><br><\/p><h2 class=\"wp-block-heading\" id=\"h-la-domination-de-tether-et-l-effet-mica-sur-la-concurrence\">La domination de Tether et l\u2019effet MiCA sur la concurrence<br><\/h2><span class=\"replacer\"><\/span><p>Avec pr\u00e8s de 120 milliards de dollars en circulation, <strong>Tether continue de r\u00e9gner en ma\u00eetre absolu <\/strong>sur le march\u00e9 des stablecoins.<\/p><p>Son mod\u00e8le hyper rentable attire l&#8217;attention et fait saliver des concurrents comme Revolut et Robinhood. Tether a enregistr\u00e9 des <strong>b\u00e9n\u00e9fices record de 5,2 milliards de dollars <\/strong>au premier semestre 2024.<\/p><p>Un monopole qui ne laisse que des miettes aux autres joueurs\u2026 du moins pour l\u2019instant.<\/p><p>Car MiCA pourrait bien renverser la donne. En exigeant que les stablecoins d\u00e9tiennent 60 % de leurs r\u00e9serves en liquidit\u00e9s, l\u2019Europe vient de lancer un s\u00e9rieux pav\u00e9 dans la mare. <\/p><p>Tether, d\u00e9j\u00e0 contest\u00e9 pour son opacit\u00e9 dans la gestion de ses ressources, pourrait se retrouver dans une zone grise, voire se faire \u00e9jecter de certaines plateformes europ\u00e9ennes. <\/p><p>Par cons\u00e9quent, cette faille r\u00e9glementaire est <strong>une chance inesp\u00e9r\u00e9e<\/strong> pour des acteurs comme Revolut et Robinhood, qui pourraient surfer sur cette vague de changements pour grignoter des parts de march\u00e9.<br><\/p><h2 class=\"wp-block-heading\" id=\"h-l-opportunite-en-or-des-stablecoins-en-pleine-mutation\">L\u2019opportunit\u00e9 en or des stablecoins en pleine mutation<br><\/h2><span class=\"replacer\"><\/span><p>Les stablecoins ne sont <strong>plus de simples curiosit\u00e9s technologiques<\/strong> ; ils sont devenus un outil financier central, notamment dans les \u00e9conomies \u00e9mergentes et pour les paiements quotidiens.<\/p><p>PayPal, flairant la bonne affaire, a \u00e9t\u00e9 l\u2019un des premiers \u00e0 lancer son propre <a href=\"https:\/\/cryptonews.com\/fr\/cryptomonnaie\/meilleurs-stablecoins\/\">stablecoin.<\/a> Revolut et Robinhood, eux, tra\u00eenent encore, bien qu\u2019ils soient parfaitement conscients du potentiel lucratif de cette opportunit\u00e9.<\/p><p>N\u00e9anmoins, la concurrence est rude : outre Tether, <strong>des nouveaux acteurs <\/strong>comme Ethena Labs commencent \u00e0 \u00e9merger avec des produits adoss\u00e9s \u00e0 des mastodontes comme BlackRock.<\/p><p>Pour que Revolut et Robinhood saisissent leur chance, il faudra faire vite. MiCA arrive \u00e0 grands pas, et les r\u00e9gulations \u00e0 venir vont fa\u00e7onner ce march\u00e9 naissant. <\/p><p>Les entreprises devront jongler entre innovation et conformit\u00e9, et surtout \u00e9viter de se faire damer le pion par des concurrents plus r\u00e9actifs. <\/p><p>Finalement, une chose est s\u00fbre : celui qui respectera les r\u00e8gles tout en innovant pourra pr\u00e9tendre \u00e0 une part du g\u00e2teau, mais le temps presse.<\/p><hr><p>Sur le m\u00eame sujet :<\/p><ul>\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/strategie-millionnaire-top-20-devenir-riche-bull-run\/\">Strat\u00e9gie d\u2019un millionnaire et top 20 pour devenir riche en bull run<\/a><\/li>\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/quelles-cryptos-pour-le-bull-run-notre-top-5\/\">Quelles cryptos pour le bull run ? Notre top 5<\/a><\/li>\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/ce-millionnaire-predit-un-record-pour-le-prix-du-bitcoin-en-octobre\/\">Ce millionnaire pr\u00e9dit un record pour le prix du Bitcoin en octobre<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Longtemps domin\u00e9 par Tether (USDt), le secteur des stablecoins pourrait bient\u00f4t voir d\u00e9barquer de nouveaux acteurs de la fintech, tels que Revolut et Robinhood.Apr\u00e8s le lancement \u00e0 succ\u00e8s du stablecoin de PayPal, il semble que ces deux g\u00e9ants se tiennent en embuscade, pr\u00eats \u00e0 entrer dans l\u2019ar\u00e8ne. Pourtant, m\u00eame ces plans pourraient se confronter \u00e0 [&hellip;]<\/p>\n","protected":false},"author":272,"featured_media":139107,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"editors":[2550],"sponsored_companies":[],"class_list":["post-148426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","editors-jurgen-hoffman"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Apr\u00e8s Paypal et son stablecoin, au tour de Revolut et Robinhood ?<\/title>\n<meta name=\"description\" content=\"Apr\u00e8s Paypal avec son stablecoin, au tour de Revolut et Robinhood ? 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