{"id":169429,"date":"2025-09-29T11:30:00","date_gmt":"2025-09-29T11:30:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/?p=169429"},"modified":"2025-09-29T11:30:00","modified_gmt":"2025-09-29T11:30:00","slug":"qnb-blockchain-jpmorgan","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/qnb-blockchain-jpmorgan\/","title":{"rendered":"Paiements bancaires : QNB adopte la blockchain de JPMorgan pour les USD"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Poids lourd du secteur bancaire r\u00e9gional, Qatar National Bank devient la premi\u00e8re \u00e0 s\u2019appuyer sur la blockchain de JPMorgan pour r\u00e9gler des transactions en dollars. Une avanc\u00e9e qui illustre comment les grandes banques int\u00e8grent peu \u00e0 peu cette technologie dans leurs circuits quotidiens.<\/p><h2 class=\"wp-block-heading\"><strong>QNB passe au \u00ab blockchain money rail \u00bb de JPMorgan pour les paiements en dollars<\/strong><\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">QNB a confirm\u00e9 avoir adopt\u00e9 <strong>Kinexys Digital Payments<\/strong>, l\u2019infrastructure blockchain d\u00e9velopp\u00e9e par JPMorgan, afin d\u2019offrir \u00e0 ses clients entreprises un traitement quasi instantan\u00e9 des r\u00e8glements en dollars am\u00e9ricains. L\u2019initiative promet de transformer une pratique longtemps marqu\u00e9e par la lourdeur des syst\u00e8mes bancaires traditionnels.<\/p><p class=\"wp-block-paragraph\">Selon Kamel Moris, responsable du transaction banking chez QNB, l\u2019objectif est clair : \u00ab Nous pouvons garantir des paiements aussi rapides que deux minutes \u00bb, a-t-il d\u00e9clar\u00e9 \u00e0 Bloomberg.<\/p><p class=\"wp-block-paragraph\">La plateforme Kinexys n\u2019est pas nouvelle. Lanc\u00e9e en 2019 par JPMorgan, elle a depuis gagn\u00e9 du terrain parmi les grands groupes financiers. Elle traite aujourd\u2019hui environ<strong> 3 milliards de dollars par jour<\/strong>. Avec l\u2019entr\u00e9e de QNB, <a href=\"https:\/\/www.jpmorgan.com\/kinexys\/digital-payments\" target=\"_blank\" rel=\"noreferrer noopener\">Kinexys<\/a> s\u2019\u00e9tend d\u00e9sormais au Moyen-Orient, une zone strat\u00e9gique pour les flux transfrontaliers en devises fortes.<\/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\">According to Bloomberg, Qatar National Bank (QNB Group) has adopted JPMorgan\u2019s blockchain platform to process US dollar corporate payments for its Qatar-based bank. With the integration of JPMorgan\u2019s Kinexys Digital Payments system, QNB can now handle USD payments for local\u2026<\/p>&mdash; Wu Blockchain (@WuBlockchain) <a href=\"https:\/\/twitter.com\/WuBlockchain\/status\/1972531083255386551?ref_src=twsrc%5Etfw\">September 29, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><h2 class=\"wp-block-heading\"><strong>Comment cela change le jeu pour les paiements bancaires en dollars<\/strong><\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Les paiements en dollars transitent habituellement par un r\u00e9seau de banques correspondantes. Ce m\u00e9canisme implique des d\u00e9lais de plusieurs jours et des frais multiples pour les clients. QNB et JPMorgan esp\u00e8rent r\u00e9duire ces frictions avec la blockchain.<\/p><p class=\"wp-block-paragraph\"><strong>L\u2019int\u00e9r\u00eat principal r\u00e9side dans la rapidit\u00e9<\/strong>. Des virements qui n\u00e9cessitaient parfois 48 heures pourraient d\u00e9sormais s\u2019ex\u00e9cuter en quelques minutes. Les entreprises clientes y gagnent une visibilit\u00e9 imm\u00e9diate sur leurs flux de tr\u00e9sorerie. La <strong>tra\u00e7abilit\u00e9<\/strong> est \u00e9galement renforc\u00e9e. Les paiements passent par une blockchain priv\u00e9e commune aux banques du r\u00e9seau. Cela assure \u00e0 la fois leur tra\u00e7abilit\u00e9 et leur contr\u00f4le imm\u00e9diat.<\/p><p class=\"wp-block-paragraph\">Mais cette innovation n\u2019est pas sans d\u00e9fi. L\u2019interop\u00e9rabilit\u00e9 entre syst\u00e8mes bancaires <strong>reste limit\u00e9e<\/strong>. Elle d\u00e9pend, forc\u00e9ment, de la participation d\u2019autres \u00e9tablissements. De plus, l\u2019usage d\u2019une blockchain priv\u00e9e comme Kinexys pose <strong>des questions de gouvernance et de d\u00e9pendance<\/strong> vis-\u00e0-vis d\u2019un acteur unique, en l\u2019occurrence JPMorgan. Les autorit\u00e9s de r\u00e9gulation suivront de pr\u00e8s l\u2019impact de ces rails num\u00e9riques sur la stabilit\u00e9 financi\u00e8re et la conformit\u00e9 aux r\u00e8gles anti-blanchiment.<\/p><h2 class=\"wp-block-heading\"><strong>Vers un nouveau standard au Moyen-Orient ?<\/strong><\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">L\u2019adoption de Kinexys par QNB montre <strong>une r\u00e9elle strat\u00e9gie d\u2019innovation<\/strong>. Dans cette r\u00e9gion, les paiements transfrontaliers en dollars jouent un r\u00f4le important. Le Qatar, fortement ins\u00e9r\u00e9 dans le commerce international d\u2019hydrocarbures, cherche \u00e0 fluidifier ses r\u00e8glements et \u00e0 offrir un avantage comp\u00e9titif \u00e0 ses grandes entreprises clientes.<\/p><p class=\"wp-block-paragraph\">\u00c0 plus large \u00e9chelle, cette d\u00e9cision pourrait inspirer d\u2019autres banques de la zone MENA. Si l\u2019exp\u00e9rience fonctionne, Kinexys pourrait devenir <strong>un standard r\u00e9gional pour les paiements en dollars<\/strong>. La blockchain pourrait alors concurrencer les syst\u00e8mes traditionnels. Cela accentue par la m\u00eame occasion la pression sur les r\u00e9seaux historiques comme <a href=\"https:\/\/cryptonews.com\/fr\/news\/swift-test-migration-linea\/\">SWIFT<\/a>, contraints d\u2019acc\u00e9l\u00e9rer leur propre modernisation.<\/p><p class=\"wp-block-paragraph\">La perspective est claire. Si d\u2019autres institutions rejoignent le mouvement, le march\u00e9 pourrait voir \u00e9merger une <strong>nouvelle infrastructure de paiement globale<\/strong>, o\u00f9 la blockchain se substitue peu \u00e0 peu aux circuits existants. Mais pour l\u2019heure, le succ\u00e8s d\u00e9pendra de la mont\u00e9e en charge op\u00e9rationnelle, de l\u2019adh\u00e9sion des r\u00e9gulateurs et de la capacit\u00e9 de JPMorgan \u00e0 convaincre d\u2019autres acteurs bancaires majeurs d\u2019int\u00e9grer son r\u00e9seau.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p class=\"wp-block-paragraph\">Pour aller plus loin sur le sujet :<\/p><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/strategy-perte-8-milliards-investisseurs-institutionnels\/\">Strategy perd 8 Milliards $ ce trimestre malgr\u00e9 l\u2019app\u00e9tit des institutions<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/jpmorgan-alerte-le-rejet-du-sp-500-par-strategy-menace-les-tresoreries-bitcoin\/\">JPMorgan alerte : le rejet du S&#038;P 500 par Strategy menace les tr\u00e9soreries Bitcoin<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/swift-test-migration-linea\/\">SWIFT teste la migration de son syst\u00e8me vers Linea : vers une r\u00e9volution interbancaire ?<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Poids lourd du secteur bancaire r\u00e9gional, Qatar National Bank devient la premi\u00e8re \u00e0 s\u2019appuyer sur la blockchain de JPMorgan pour r\u00e9gler des transactions en dollars. Une avanc\u00e9e qui illustre comment les grandes banques int\u00e8grent peu \u00e0 peu cette technologie dans leurs circuits quotidiens.QNB passe au \u00ab blockchain money rail \u00bb de JPMorgan pour les paiements [&hellip;]<\/p>\n","protected":false},"author":697,"featured_media":169430,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,1],"tags":[],"editors":[2551],"sponsored_companies":[],"class_list":["post-169429","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blockchain-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>QNB adopte la blockchain de JPMorgan pour les paiements USD<\/title>\n<meta name=\"description\" content=\"Qatar National Bank devient la premi\u00e8re \u00e0 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