{"id":163941,"date":"2025-08-22T16:00:00","date_gmt":"2025-08-22T16:00:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/?p=163941"},"modified":"2025-08-22T16:00:00","modified_gmt":"2025-08-22T16:00:00","slug":"congres-bloque-fed-cbdc","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/congres-bloque-fed-cbdc\/","title":{"rendered":"Congr\u00e8s am\u00e9ricain : la Fed priv\u00e9e de CBDC, victoire pour les stablecoins"},"content":{"rendered":"<p>L\u2019avenir d\u2019une <strong>monnaie num\u00e9rique de banque centrale (CBDC)<\/strong> aux \u00c9tats-Unis vient de conna\u00eetre un coup d\u2019arr\u00eat d\u00e9cisif. En effet, la Chambre des repr\u00e9sentants a choisi d\u2019inscrire une clause anti-CBDC dans la loi de financement de la d\u00e9fense (NDAA). Ce choix emp\u00eache directement la R\u00e9serve f\u00e9d\u00e9rale (Fed) de d\u00e9velopper une monnaie num\u00e9rique destin\u00e9e aux particuliers et confirme une orientation politique en faveur des stablecoins priv\u00e9s.<\/p><h2 class=\"wp-block-heading\">Une interdiction int\u00e9gr\u00e9e dans un texte militaire strat\u00e9gique<\/h2><span class=\"replacer\"><\/span><p>Le Congr\u00e8s n\u2019a pas proc\u00e9d\u00e9 au hasard. Les \u00e9lus ont gliss\u00e9 la disposition dans un texte massif de pr\u00e8s de 1 300 pages, indispensable pour financer l\u2019arm\u00e9e am\u00e9ricaine. En proc\u00e9dant ainsi, ils rendent la suppression de la mesure pratiquement impossible, car refuser la <a href=\"https:\/\/www.congress.gov\/bill\/118th-congress\/house-bill\/2670\/text\" target=\"_blank\" rel=\"noreferrer noopener\">NDAA<\/a> reviendrait \u00e0 bloquer le budget militaire.<\/p><p>La Fed perd donc la possibilit\u00e9 de <strong>tester, d\u00e9velopper ou lancer une CBDC<\/strong> pour le grand public. Elle peut encore travailler sur d\u2019autres instruments financiers, mais uniquement dans le cadre du secteur priv\u00e9. Autrement dit, l\u2019innovation mon\u00e9taire reste possible, mais elle devra passer par des projets comme les <strong>stablecoins r\u00e9gul\u00e9s<\/strong> ou des initiatives open-source ouvertes \u00e0 tous.<\/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\">Attaching our Anti-CBDC Surveillance State Act to the NDAA will ensure unelected bureaucrats are NEVER allowed to trade Americans\u2019 financial privacy for a CCP-style surveillance tool. <a href=\"https:\/\/twitter.com\/POTUS?ref_src=twsrc%5Etfw\">@POTUS<\/a> has made it clear: our legislation is a key piece of our America First agenda, and we\u2026<\/p>&mdash; Tom Emmer (@GOPMajorityWhip) <a href=\"https:\/\/twitter.com\/GOPMajorityWhip\/status\/1945677323040354398?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><h2 class=\"wp-block-heading\">Une opposition politique organis\u00e9e et tenace<\/h2><span class=\"replacer\"><\/span><p>Derri\u00e8re cette d\u00e9cision se cache un combat politique de longue haleine. Les <strong>R\u00e9publicains conservateurs<\/strong>, tr\u00e8s actifs sur le sujet, d\u00e9noncent depuis des mois les risques li\u00e9s \u00e0 une monnaie num\u00e9rique publique. Selon eux, une CBDC donnerait au gouvernement une capacit\u00e9 in\u00e9dite de <strong>surveillance des transactions financi\u00e8res<\/strong> et fragiliserait la vie priv\u00e9e des citoyens.<\/p><p>En juillet 2025, la Chambre avait d\u00e9j\u00e0 adopt\u00e9 de justesse le projet \u201c<strong>Anti-CBDC Surveillance State Act<\/strong>\u201d (219 voix contre 210). Le texte devait ensuite passer au S\u00e9nat, mais son sort semblait incertain. Pour \u00e9viter l\u2019enlisement, les opposants \u00e0 la CBDC ont organis\u00e9 un long d\u00e9bat de neuf heures. \u00c0 l\u2019issue de ces \u00e9changes, ils ont conditionn\u00e9 leur soutien \u00e0 d\u2019autres r\u00e9formes cryptos \u00e0 l\u2019ajout d\u2019une interdiction claire de la CBDC dans la NDAA. Cette strat\u00e9gie leur a permis d\u2019obtenir gain de cause.<\/p><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/08\/22111353\/ChatGPT-Image-Aug-22-2025-01_13_24-PM-1024x683.jpg\" alt=\"\" class=\"wp-image-163970\" srcset=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/08\/22111353\/ChatGPT-Image-Aug-22-2025-01_13_24-PM-1024x683.jpg 1024w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/08\/22111353\/ChatGPT-Image-Aug-22-2025-01_13_24-PM-300x200.jpg 300w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/08\/22111353\/ChatGPT-Image-Aug-22-2025-01_13_24-PM-768x512.jpg 768w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/08\/22111353\/ChatGPT-Image-Aug-22-2025-01_13_24-PM-450x300.jpg 450w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/3\/2025\/08\/22111353\/ChatGPT-Image-Aug-22-2025-01_13_24-PM.jpg 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"><\/figure><h2 class=\"wp-block-heading\">Un soutien croissant aux stablecoins priv\u00e9s<\/h2><span class=\"replacer\"><\/span><p>En parall\u00e8le, le Congr\u00e8s a choisi une autre voie. Plut\u00f4t que d\u2019opter pour une monnaie num\u00e9rique publique, les \u00e9lus soutiennent <strong>les stablecoins priv\u00e9s r\u00e9gul\u00e9s<\/strong>. <a href=\"https:\/\/cryptonews.com\/fr\/news\/genius-act-consultation-stablecoins\/\">Cette approche s\u2019incarne dans le GENIUS Act<\/a>, adopt\u00e9 plus t\u00f4t en 2025, qui encadre la cr\u00e9ation et la gestion des stablecoins tout en prot\u00e9geant les consommateurs.<\/p><p>Ainsi, les \u00c9tats-Unis privil\u00e9gient un mod\u00e8le o\u00f9 l\u2019innovation vient du secteur priv\u00e9. Les entreprises et les communaut\u00e9s blockchain peuvent proposer leurs solutions, \u00e0 condition de respecter un cadre l\u00e9gal strict. Cette vision contraste fortement avec celle de pays comme la Chine, qui d\u00e9ploient d\u00e9j\u00e0 leur propre CBDC \u2014 en l\u2019occurrence le <strong>yuan num\u00e9rique<\/strong>, test\u00e9 \u00e0 grande \u00e9chelle dans plusieurs villes.<\/p><h2 class=\"wp-block-heading\">Une orientation lourde de cons\u00e9quences<\/h2><span class=\"replacer\"><\/span><p>Cette interdiction d\u00e9passe le cadre technique. Elle traduit une strat\u00e9gie politique claire : pr\u00e9server la <strong>libert\u00e9 \u00e9conomique<\/strong> et limiter le pouvoir de l\u2019\u00c9tat sur les finances personnelles. En bloquant la CBDC, le Congr\u00e8s envoie un signal fort : il refuse de sacrifier la vie priv\u00e9e sur l\u2019autel de la centralisation mon\u00e9taire.<\/p><p>Cependant, le parcours l\u00e9gislatif n\u2019est pas termin\u00e9. Le S\u00e9nat doit encore valider la mesure. Toutefois, comme elle figure dans un texte de financement militaire essentiel, ses chances d\u2019\u00eatre adopt\u00e9e restent \u00e9lev\u00e9es.<\/p><p>Si cette orientation se confirme, les \u00c9tats-Unis deviendront l\u2019une des premi\u00e8res grandes puissances \u00e0 rejeter officiellement une CBDC. Ce choix les place en opposition frontale avec la tendance mondiale et met en avant une alternative : miser sur l\u2019innovation priv\u00e9e, plut\u00f4t que sur une monnaie num\u00e9rique d\u2019\u00c9tat.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p>Source : <a href=\"https:\/\/x.com\/GOPMajorityWhip\/status\/1945677323040354398?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1945677323040354398%7Ctwgr%5E13b29bc86de4c55fa14c1a4ea9304f49df31879f%7Ctwcon%5Es1_c10&#038;ref_url=https%3A%2F%2Fcryptonews.com%2Ffr%2Fwp-admin%2Fpost.php%3Fpost%3D163941action%3Dedit\" target=\"_blank\" rel=\"noreferrer noopener\">Tom Emmer<\/a><\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p>Pour aller plus loin :<\/p><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/euro-numerique-ethereum-solana\/\">L\u2019UE envisage s\u00e9rieusement Ethereum et Solana pour l\u2019Euro num\u00e9rique<\/a><\/li>\n\n\n\n<li><a href=\"#\">Le march\u00e9 crypto montre un signal baissier g\u00e9n\u00e9ral en ao\u00fbt 2025<\/a><\/li>\n\n\n\n<li><a href=\"#\">Anthony Scaramucci veut tokeniser 300M$ sur Avalanche<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>L\u2019avenir d\u2019une monnaie num\u00e9rique de banque centrale (CBDC) aux \u00c9tats-Unis vient de conna\u00eetre un coup d\u2019arr\u00eat d\u00e9cisif. En effet, la Chambre des repr\u00e9sentants a choisi d\u2019inscrire une clause anti-CBDC dans la loi de financement de la d\u00e9fense (NDAA). Ce choix emp\u00eache directement la R\u00e9serve f\u00e9d\u00e9rale (Fed) de d\u00e9velopper une monnaie num\u00e9rique destin\u00e9e aux particuliers et [&hellip;]<\/p>\n","protected":false},"author":691,"featured_media":163972,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8,42,1],"tags":[],"editors":[2554],"sponsored_companies":[],"class_list":["post-163941","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-altcoin-news","category-finance-news","category-news","editors-ronan-gaillard"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Congr\u00e8s am\u00e9ricain : la Fed priv\u00e9e de CBDC, victoire pour les stablecoins<\/title>\n<meta name=\"description\" content=\"Les \u00c9tats-Unis bloquent la Fed sur la CBDC pour prot\u00e9ger 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