{"id":170429,"date":"2025-10-09T14:00:00","date_gmt":"2025-10-09T14:00:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/?p=170429"},"modified":"2025-10-09T14:00:00","modified_gmt":"2025-10-09T14:00:00","slug":"roughrider-coin-stablecoin-dakota","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/roughrider-coin-stablecoin-dakota\/","title":{"rendered":"Roughrider Coin : le Dakota du Nord innove avec un stablecoin d\u2019\u00c9tat"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Le Dakota du Nord officialise Roughrider Coin, un stablecoin adoss\u00e9 au dollar et port\u00e9 par la Bank of North Dakota avec Fiserv. L\u2019objectif : acc\u00e9l\u00e9rer les r\u00e8glements entre banques et credit unions de l\u2019\u00c9tat, puis ouvrir de nouveaux cas d\u2019usage locaux. Le pilote est annonc\u00e9 pour 2026.<\/p><h2 class=\"wp-block-heading\"><strong>Dakota du Nord : un stablecoin adoss\u00e9 USD pour les institutions locales<\/strong><\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\"><a href=\"https:\/\/investors.fiserv.com\/newsroom\/detail\/2868\/bank-of-north-dakota-and-fiserv-partner-to-launch-roughrider-coin-north-dakotas-first-stablecoin\" target=\"_blank\" rel=\"noreferrer noopener\">Fiserv<\/a> et la Bank of North Dakota pr\u00e9sentent Roughrider Coin comme <strong>le premier stablecoin d\u2019\u00c9tat<\/strong> lanc\u00e9 sur la plateforme \u00ab digital asset \u00bb de Fiserv. Le jeton sera <strong>pleinement couvert en dollars<\/strong>, avec un m\u00e9canisme de rachat au pair confi\u00e9 \u00e0 l\u2019infrastructure financi\u00e8re de l\u2019\u00e9diteur.<\/p><p class=\"wp-block-paragraph\">Le projet cible d\u2019abord les transactions interbancaires et les rails de paiement locaux, avant d\u2019envisager un \u00e9largissement. L\u2019Etat mentionne une <strong>trajectoire graduelle<\/strong> et la validation par <strong>l\u2019Industrial Commission<\/strong>.<\/p><p class=\"wp-block-paragraph\">La communication politique accompagne le lancement. Le gouverneur <strong>Kelly Armstrong<\/strong> salue une approche \u00ab de fronti\u00e8re \u00bb qui doit moderniser les transferts de fonds au b\u00e9n\u00e9fice des citoyens comme des institutions.<\/p><p class=\"wp-block-paragraph\">C\u00f4t\u00e9 op\u00e9rationnel, le pr\u00e9sident de la Bank of North Dakota, Don Morgan, insiste sur un cadre prudent, avec des tests et une mont\u00e9e en charge en plusieurs \u00e9tapes. Le d\u00e9ploiement est pr\u00e9vu en 2026 pour les banques et credit unions du Dakota du Nord. <\/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\">The Bank of North Dakota has always been an innovator, and today we announced a partnership with Fiserv to develop ND\u2019s own stablecoin, the Roughrider coin. This digital asset, backed by the U.S. dollar, will improve efficiency and quality control in the banking sector, a direct\u2026 <a href=\"https:\/\/t.co\/1yIB9A3Zr9\">pic.twitter.com\/1yIB9A3Zr9<\/a><\/p>&mdash; Governor Kelly Armstrong (@GovArmstrong) <a href=\"https:\/\/twitter.com\/GovArmstrong\/status\/1975965566390370469?ref_src=twsrc%5Etfw\">October 8, 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>Apr\u00e8s le FRNT du Wyoming, la course des \u00c9tats s\u2019acc\u00e9l\u00e8re<\/strong><\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Le Dakota du Nord s\u2019inscrit dans une dynamique d\u00e9j\u00e0 visible ailleurs. Le Wyoming a ouvert la voie cet \u00e9t\u00e9 avec FRNT (Frontier Stable Token), <a href=\"https:\/\/cryptonews.com\/fr\/news\/stablecoins-46milliards-90jours-record\/\">premier stablecoin<\/a> \u00e9mis par une entit\u00e9 publique aux \u00c9tats-Unis, pleinement r\u00e9serv\u00e9 en dollars et bons du Tr\u00e9sor.<\/p><p class=\"wp-block-paragraph\">Le <a href=\"https:\/\/stabletoken.wyo.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\">programme FRNT<\/a> a franchi l\u2019\u00e9tape du lancement mainnet en ao\u00fbt, avec une gouvernance d\u00e9di\u00e9e et des r\u00e9serves tenues en trust pour les porteurs. L\u2019initiative du Dakota du Nord appara\u00eet donc comme un <strong>second mouvement \u00e9tatique<\/strong> dans un pays qui balise peu \u00e0 peu le terrain r\u00e9glementaire.<\/p><p class=\"wp-block-paragraph\">L\u2019existence d\u2019un pr\u00e9c\u00e9dent <strong>facilite les discussions techniques et juridiques<\/strong>. Les retours d\u2019exp\u00e9rience du Wyoming portent sur la r\u00e9serve int\u00e9grale, la transparence, et l\u2019interop\u00e9rabilit\u00e9 multi-cha\u00eenes test\u00e9e d\u00e8s le printemps. Les \u00c9tats peuvent donc acc\u00e9l\u00e9rer sur des usages concrets, paiements marchands, r\u00e8glements fournisseurs, voire versements de subventions, et garder un contr\u00f4le public sur la stabilit\u00e9 du collat\u00e9ral.<\/p><h2 class=\"wp-block-heading\"><strong>Feuille de route et questions cl\u00e9s : gouvernance, r\u00e9serves, interop\u00e9rabilit\u00e9<\/strong><\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Le calendrier reste lisible. Roughrider Coin vise un pilote en 2026 sur un premier cercle d\u2019institutions du Dakota du Nord.<\/p><p class=\"wp-block-paragraph\">La Bank of North Dakota et Fiserv cadrent un <strong>mod\u00e8le<\/strong> <strong>full-reserve en USD<\/strong>, avec rachat au pair et publication de jalons au fil des tests. La blockchain, de son c\u00f4t\u00e9, n\u2019a pas encore \u00e9t\u00e9 pr\u00e9cis\u00e9e. <\/p><p class=\"wp-block-paragraph\">Sur la <strong>gouvernance<\/strong>, l\u2019Industrial Commission, qui supervise la BND, appuie publiquement l\u2019initiative et rappelle l\u2019objectif : moderniser l\u2019infrastructure de paiement de l\u2019\u00c9tat. Sur la <strong>transparence<\/strong>, les documents disponibles \u00e9voquent un adossement int\u00e9gral au dollar. Mais la fr\u00e9quence des attestations et la granularit\u00e9 des rapports restent \u00e0 pr\u00e9ciser.<\/p><p class=\"wp-block-paragraph\">L\u2019<strong>interop\u00e9rabilit\u00e9<\/strong>, elle passera par la <strong>plateforme digital asset de Fiserv<\/strong>. L\u2019\u00e9diteur met ensuite en avant un socle commun pour \u00e9mettre, racheter et connecter des coins sectoriels. Le succ\u00e8s d\u00e9pendra autant de la connectivit\u00e9 bancaire que du code.<\/p><p class=\"wp-block-paragraph\">Trois points sont \u00e0 surveiller. D\u2019abord, le risque op\u00e9rationnel au moment du mint et du rachat. Ensuite, le risque de r\u00e8glement si un participant manque de liquidit\u00e9. Enfin, la conformit\u00e9 f\u00e9d\u00e9rale, car le Congr\u00e8s et les r\u00e9gulateurs ajustent encore le <a href=\"https:\/\/cryptonews.com\/fr\/news\/stablecoins-cftc-nouvelle-initiative\/\">cadre des stablecoins<\/a>.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p class=\"wp-block-paragraph\">Source : <a href=\"https:\/\/bnd.nd.gov\/industrial-commission-applauds-roughrider-stablecoin-announcement\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bank of North Dakota<\/a>, <a href=\"https:\/\/investors.fiserv.com\/newsroom\/detail\/2868\/bank-of-north-dakota-and-fiserv-partner-to-launch-roughrider-coin-north-dakotas-first-stablecoin\" target=\"_blank\" rel=\"noreferrer noopener\">Fiserv<\/a><\/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\/stablecoins-300-milliards-record-crypto\/\">Stablecoins au sommet : plus de 300 milliards $ en circulation avec le rebond crypto<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/stablecoin-russe-a7a5-token2049\/\">Un stablecoin russe sanctionn\u00e9 s\u2019invite \u00e0 TOKEN2049, la crypto sous tension<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/usd1-stablecoin-attestations-incompletes\/\">USD1 : le stablecoin li\u00e9 \u00e0 Trump \u00e9pingl\u00e9 pour ses attestations incompl\u00e8tes<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Le Dakota du Nord officialise Roughrider Coin, un stablecoin adoss\u00e9 au dollar et port\u00e9 par la Bank of North Dakota avec Fiserv. L\u2019objectif : acc\u00e9l\u00e9rer les r\u00e8glements entre banques et credit unions de l\u2019\u00c9tat, puis ouvrir de nouveaux cas d\u2019usage locaux. Le pilote est annonc\u00e9 pour 2026.Dakota du Nord : un stablecoin adoss\u00e9 USD pour [&hellip;]<\/p>\n","protected":false},"author":697,"featured_media":170434,"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-170429","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>Roughrider Coin : le Dakota du Nord innove avec un stablecoin d\u2019\u00c9tat<\/title>\n<meta name=\"description\" content=\"Le Dakota du Nord officialise Roughrider Coin, un stablecoin adoss\u00e9 au dollar et port\u00e9 par la Bank of North Dakota avec Fiserv.\" \/>\n<meta name=\"robots\" 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