{"id":159636,"date":"2025-07-18T12:30:00","date_gmt":"2025-07-18T12:30:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/?p=159636"},"modified":"2025-07-18T12:30:00","modified_gmt":"2025-07-18T12:30:00","slug":"crypto-retraite-trump-9-000-milliards-bitcoin","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/crypto-retraite-trump-9-000-milliards-bitcoin\/","title":{"rendered":"Crypto &amp; retraite : Trump ouvre un march\u00e9 de 9 000 milliards de $ au Bitcoin"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Ce 18 juillet, Donald Trump a confirm\u00e9 son intention de signer un d\u00e9cret pr\u00e9sidentiel permettant aux Am\u00e9ricains d\u2019investir dans le Bitcoin, l\u2019Ethereum, l\u2019or et d\u2019autres actifs alternatifs via leur plan retraite (401k). Une d\u00e9cision historique qui ouvre un march\u00e9 de 9 000 milliards de dollars\u2026 mais qui soul\u00e8ve aussi de nombreuses questions.<\/p><h2 class=\"wp-block-heading\">Ce que pr\u00e9voit le d\u00e9cret crypto pour la retraite<\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">L\u2019\u00ab <strong>executive order \u00bb<\/strong> pr\u00e9par\u00e9 par <a href=\"https:\/\/cryptonews.com\/fr\/news\/actu-crypto-ath-xrp-etf-ethereum-bull-run\/\">l\u2019administration Trump<\/a> vise \u00e0 autoriser les particuliers \u00e0 inclure des cryptomonnaies, du private equity, de l\u2019immobilier ou encore des m\u00e9taux pr\u00e9cieux <strong>dans les portefeuilles de retraite<\/strong>.<\/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\">JUST IN: \ud83c\uddfa\ud83c\uddf8 Trump executive order to allow Americans to invest 401K retirement savings into Bitcoin and crypto. <br><br>AMERICANS HOLD $9 TRILLION IN 401K SAVINGS <a href=\"https:\/\/t.co\/2KbbBlglLo\">pic.twitter.com\/2KbbBlglLo<\/a><\/p>&mdash; Bitcoin Archive (@BTC_Archive) <a href=\"https:\/\/twitter.com\/BTC_Archive\/status\/1945955210490208737?ref_src=twsrc%5Etfw\">July 17, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><p class=\"wp-block-paragraph\">Trump semande aux agences f\u00e9d\u00e9rales, comme le minist\u00e8re du Travail ou la SEC, de <strong>supprimer les obstacles l\u00e9gaux<\/strong> qui emp\u00eachent aujourd\u2019hui ce type d\u2019investissement.<\/p><p class=\"wp-block-paragraph\">Autrement dit : une fois le d\u00e9cret sign\u00e9, les entreprises comme BlackRock, Vanguard ou Fidelity pourraient proposer <strong>aux travailleurs am\u00e9ricains<\/strong> de placer une partie de leur \u00e9pargne retraite en Bitcoin ou en or.<\/p><p class=\"wp-block-paragraph\">Ce cadre inclurait \u00e9galement :<\/p><ul class=\"wp-block-list\">\n<li>un <strong>bouclier juridique<\/strong> pour les gestionnaires,<\/li>\n\n\n\n<li>la <strong>simplification des d\u00e9marches<\/strong> pour int\u00e9grer ces actifs dans les 401k,<\/li>\n\n\n\n<li>et une <strong>incitation \u00e0 la diversification<\/strong> de l\u2019\u00e9pargne, dans un contexte d\u2019inflation persistante.<\/li>\n<\/ul><h2 class=\"wp-block-heading\">Une strat\u00e9gie crypto plus large pour Trump<\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Cette annonce ne sort pas de nulle part. Depuis le d\u00e9but de l\u2019ann\u00e9e, Trump a multipli\u00e9 les signaux favorables au secteur crypto. En mars, il a m\u00eame \u00e9voqu\u00e9 la cr\u00e9ation d\u2019une <strong><a href=\"https:\/\/cryptonews.com\/fr\/news\/reserve-strategique-crypto-trump-bitcoin\/\">r\u00e9serve strat\u00e9gique en Bitcoin<\/a><\/strong>, sur le mod\u00e8le du p\u00e9trole. Et ces derni\u00e8res semaines, deux lois majeures viennent renforcer cet \u00e9cosyst\u00e8me :<\/p><ul class=\"wp-block-list\">\n<li>Le <strong><a href=\"https:\/\/cryptonews.com\/fr\/news\/loi-genius-adoptee-xrp-et-eth-en-sortent-gagnants\/\">GENIUS Act<\/a><\/strong>, qui encadre enfin les stablecoins adoss\u00e9s au dollar,<\/li>\n\n\n\n<li>Et le <strong>CLARITY Act<\/strong>, qui d\u00e9finit clairement le statut juridique des actifs num\u00e9riques.<\/li>\n<\/ul><p class=\"wp-block-paragraph\">Trump cherche ainsi \u00e0 positionner les \u00c9tats-Unis comme le <strong>leader mondial de la finance d\u00e9centralis\u00e9e<\/strong>, tout en s\u00e9duisant un \u00e9lectorat jeune, technophile, et souvent m\u00e9fiant vis-\u00e0-vis des banques traditionnelles.<\/p><h2 class=\"wp-block-heading\">Les risques \u00e0 encadrer : \u00e9viter le casino pour la retraite<\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Mais cette nouvelle libert\u00e9 n\u2019est pas sans danger. Si aucune limite n\u2019est fix\u00e9e, certains \u00e9pargnants pourraient \u00eatre tent\u00e9s de <strong>miser leur retraite enti\u00e8re sur des cryptos \u00e0 haut risque<\/strong>, comme les memecoins (PEPE, DOGE, etc.). Des actifs ultra-volatils, souvent influenc\u00e9s par les tendances sociales plus que par des fondamentaux solides.<\/p><p class=\"wp-block-paragraph\">Sans garde-fous, les 401k pourraient devenir un terrain de jeu pour la sp\u00e9culation, <strong>au d\u00e9triment des citoyens<\/strong>. Plusieurs pistes sont \u00e9voqu\u00e9es :<\/p><ul class=\"wp-block-list\">\n<li>Limiter le pourcentage de cryptos dans les portefeuilles retraite,<\/li>\n\n\n\n<li>Exclure les tokens non r\u00e9gul\u00e9s ou \u00e0 faible capitalisation,<\/li>\n\n\n\n<li>Renforcer l\u2019\u00e9ducation financi\u00e8re des investisseurs,<\/li>\n\n\n\n<li>Classer les actifs par niveau de risque, comme pour les fonds classiques.<\/li>\n<\/ul><p class=\"wp-block-paragraph\">L\u2019administration Trump devra donc s\u2019assurer que cette r\u00e9forme <strong>ne transforme pas l\u2019\u00e9pargne retraite en casino d\u00e9centralis\u00e9<\/strong>.<\/p><h2 class=\"wp-block-heading\">Une r\u00e9forme \u00e0 surveiller de pr\u00e8s<\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Le d\u00e9cret devrait \u00eatre sign\u00e9 dans les prochains jours, sauf revirement de derni\u00e8re minute. S\u2019il entre en vigueur, il pourrait d\u00e9bloquer des <strong>flux massifs vers les cryptos<\/strong>, avec des implications majeures pour les march\u00e9s.<\/p><p class=\"wp-block-paragraph\">Mais il faudra attendre les <strong>r\u00e8glements d\u2019application<\/strong> pour savoir exactement quels actifs seront autoris\u00e9s, et sous quelles conditions.<\/p><p class=\"wp-block-paragraph\">Pour Trump, c\u2019est une carte forte \u00e0 jouer dans sa campagne : il se positionne comme le <strong>pr\u00e9sident pro-crypto<\/strong> face \u00e0 une administration Biden jug\u00e9e plus frileuse sur le sujet.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p class=\"wp-block-paragraph\">Source : <a href=\"https:\/\/www.ft.com\/content\/07906211-5ab8-4917-bcad-5397c0bc3170\" target=\"_blank\" rel=\"noreferrer noopener\">Financial Times<\/a><\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p class=\"wp-block-paragraph\">Sur le m\u00eame sujet :<\/p><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/actu-crypto-ath-xrp-etf-ethereum-bull-run\/\">LIVE \u2013 Actu crypto du 18 juillet : ATH XRP, ETF ethereum staking, Bull Run Bitcoin et altcoin,\u2026<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/loi-genius-adoptee-xrp-et-eth-en-sortent-gagnants\/\">Loi GENIUS adopt\u00e9e : pourquoi XRP et ETH en sortent gagnants<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/reserve-strategique-crypto-trump-bitcoin\/\">Trump signe enfin le d\u00e9cret annon\u00e7ant la cr\u00e9ation d\u2019une r\u00e9serve strat\u00e9gique bitcoin<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Ce 18 juillet, Donald Trump a confirm\u00e9 son intention de signer un d\u00e9cret pr\u00e9sidentiel permettant aux Am\u00e9ricains d\u2019investir dans le Bitcoin, l\u2019Ethereum, l\u2019or et d\u2019autres actifs alternatifs via leur plan retraite (401k). Une d\u00e9cision historique qui ouvre un march\u00e9 de 9 000 milliards de dollars\u2026 mais qui soul\u00e8ve aussi de nombreuses questions.Ce que pr\u00e9voit le [&hellip;]<\/p>\n","protected":false},"author":271,"featured_media":159640,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8,6,42,1],"tags":[],"editors":[2551],"sponsored_companies":[],"class_list":["post-159636","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-altcoin-news","category-bitcoin-news","category-finance-news","category-news","editors-julien-leroy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Crypto &amp; retraite : Un march\u00e9 de 9 000 milliards de $ au Bitcoin<\/title>\n<meta name=\"description\" content=\"Trump veut signer un d\u00e9cret permettant aux Am\u00e9ricains d\u2019investir dans le BTC, l\u2019ETH, l\u2019or et les actions via leur plan d&#039;\u00e9pargne retraite.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cryptonews.com\/fr\/news\/crypto-retraite-trump-9-000-milliards-bitcoin\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Crypto &amp; 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