{"id":173656,"date":"2025-11-09T16:00:00","date_gmt":"2025-11-09T16:00:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/?p=173656"},"modified":"2025-11-09T14:02:29","modified_gmt":"2025-11-09T14:02:29","slug":"banques-italiennes-euro-numerique","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/banques-italiennes-euro-numerique\/","title":{"rendered":"Euro num\u00e9rique : l\u2019Italie veut une mise en place progressive"},"content":{"rendered":"<p>L&#8217;Italie soutient l&#8217;euro num\u00e9rique, mais pas \u00e0 n&#8217;importe quel rythme. Les banques de la p\u00e9ninsule valident <strong>l&#8217;id\u00e9e d&#8217;une monnaie digitale<\/strong> de banque centrale au nom de la souverainet\u00e9 europ\u00e9enne, tout en demandant d&#8217;\u00e9taler les co\u00fbts d&#8217;impl\u00e9mentation sur plusieurs ann\u00e9es. <\/p><h2 class=\"wp-block-heading\">Rome soutient, mais exige un phasage<\/h2><span class=\"replacer\"><\/span><p>Le message est clair du c\u00f4t\u00e9 de l&#8217;Association bancaire italienne : oui \u00e0 l&#8217;euro num\u00e9rique, \u00e0 condition d&#8217;\u00e9viter <strong>un choc d&#8217;investissements<\/strong> concentr\u00e9 sur une courte p\u00e9riode. Les \u00e9tablissements doivent d\u00e9j\u00e0 absorber des d\u00e9penses lourdes en capital et en informatique, de B\u00e2le \u00e0 la cybers\u00e9curit\u00e9. <\/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\">\ud83d\udea8JUST IN: \ud83c\uddee\ud83c\uddf9Italy\u2019s banks back digital euro but urge ECB to spread out costs.<br><br>They say the CBDC rollout should be gradual to avoid heavy upfront expenses for banks. <a href=\"https:\/\/t.co\/SKzSrrFAF0\">pic.twitter.com\/SKzSrrFAF0<\/a><\/p>&mdash; Coin Bureau (@coinbureau) <a href=\"https:\/\/twitter.com\/coinbureau\/status\/1987490356284608593?ref_src=twsrc%5Etfw\">November 9, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><p>Derri\u00e8re la demande de phasage, l&#8217;Italie d\u00e9fend <strong>une logique de cohabitation<\/strong>. Le futur euro num\u00e9rique peut avancer de pair avec des solutions priv\u00e9es europ\u00e9ennes, afin d&#8217;\u00e9viter que la monnaie publique digitale ne siphonne sans n\u00e9cessit\u00e9 l&#8217;interm\u00e9diation des banques commerciales. L&#8217;objectif est d&#8217;orchestrer une transition, pas un big bang.<\/p><h2 class=\"wp-block-heading\">Un calendrier europ\u00e9en d\u00e9j\u00e0 balis\u00e9<\/h2><span class=\"replacer\"><\/span><p>C\u00f4t\u00e9 BCE, le jalon politique est pos\u00e9. Apr\u00e8s deux ans de travaux pr\u00e9paratoires, <strong>l&#8217;Eurosyst\u00e8me s&#8217;oriente<\/strong> vers une phase pilote \u00e0 partir de 2027, avec une cible de d\u00e9ploiement en 2029, sous r\u00e9serve d&#8217;un cadre l\u00e9gislatif europ\u00e9en attendu en 2026. <\/p><p>Ce s\u00e9quen\u00e7age donne de la visibilit\u00e9 aux acteurs, mais il implique des investissements d\u00e8s maintenant, en architecture, en conformit\u00e9 et en exp\u00e9rience utilisateur. Les banques italiennes veulent ancrer ces d\u00e9penses dans un multi-annuel cr\u00e9dible, synchronis\u00e9 avec l&#8217;avanc\u00e9e des textes et des sp\u00e9cifications techniques.<\/p><p>Le Parlement europ\u00e9en d\u00e9bat d\u00e9j\u00e0 d&#8217;une version plus resserr\u00e9e du projet, afin de prot\u00e9ger <strong>les syst\u00e8mes de paiement priv\u00e9s<\/strong> et d&#8217;\u00e9viter les effets d&#8217;\u00e9viction. <\/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 digital euro is not just about creating a new form of money, says Chief Economist Philip R. Lane.<br><br>It is about ensuring that Europe retains control over its monetary and financial destiny in the digital age against a backdrop of increasing geopolitical fragmentation.<\/p>&mdash; European Central Bank (@ecb) <a href=\"https:\/\/twitter.com\/ecb\/status\/1902693227242942603?ref_src=twsrc%5Etfw\">March 20, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><h2 class=\"wp-block-heading\">Tech, conformit\u00e9 et partage des co\u00fbts<\/h2><span class=\"replacer\"><\/span><p>Sur le terrain, le chantier est donc vaste. La BCE a engag\u00e9 <strong>des partenaires technologiques<\/strong> pour la fraude, la s\u00e9curit\u00e9 des donn\u00e9es, les \u00e9changes d&#8217;information et les briques logicielles. Des fonctionnalit\u00e9s structurantes sont en effet pr\u00e9vues, comme l&#8217;alias lookup pour payer sans conna\u00eetre l&#8217;IBAN du prestataire, et des capacit\u00e9s offline pour r\u00e9silience et inclusion. <\/p><p>C\u00f4t\u00e9 banques, cela se traduit par des refontes d&#8217;API, des passerelles temps r\u00e9el, des modules d&#8217;identit\u00e9 num\u00e9rique, et des parcours clients qui int\u00e8grent la monnaie publique digitale sans friction.<\/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\">Like cash, the digital euro will allow everyone to pay throughout the euro area at all times and safeguard inclusion for all Europeans.<br><br>Read Executive Board member Piero Cipollone\u2019s full speech at the <a href=\"https:\/\/twitter.com\/Europarl_EN?ref_src=twsrc%5Etfw\">@Europarl_EN<\/a> <a href=\"https:\/\/t.co\/GR7wj5krsl\">https:\/\/t.co\/GR7wj5krsl<\/a> <a href=\"https:\/\/t.co\/mkWXzroexU\">pic.twitter.com\/mkWXzroexU<\/a><\/p>&mdash; European Central Bank (@ecb) <a href=\"https:\/\/twitter.com\/ecb\/status\/1963550103630680089?ref_src=twsrc%5Etfw\">September 4, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><p>C&#8217;est donc pr\u00e9cis\u00e9ment ici que l&#8217;Italie r\u00e9clame <strong>un partage \u00e9quitable des co\u00fbts<\/strong>. \u00c9taler les d\u00e9penses sur plusieurs exercices, articuler fonds publics, budgets de l&#8217;Eurosyst\u00e8me et investissements priv\u00e9s, et conditionner certaines phases \u00e0 des crit\u00e8res de succ\u00e8s. <\/p><p>L&#8217;id\u00e9e est donc d&#8217;\u00e9viter que la premi\u00e8re vague de conformit\u00e9 et d&#8217;infrastructure p\u00e8se disproportionnellement sur des bilans encore sollicit\u00e9s par d&#8217;autres r\u00e9formes. La cr\u00e9dibilit\u00e9 du projet d\u00e9pendra en effet d&#8217;un m\u00e9canisme de financement lisible pour les banques comme pour les contribuables.<\/p><h2 class=\"wp-block-heading\">Une Europe \u00e0 deux jambes<\/h2><span class=\"replacer\"><\/span><p>Au fond, la position italienne s&#8217;inscrit dans <strong>une vision europ\u00e9enne<\/strong> \u00e0 deux jambes : un euro num\u00e9rique garant de la souverainet\u00e9 mon\u00e9taire et de l&#8217;interop\u00e9rabilit\u00e9 paneurop\u00e9enne, et des solutions de paiements et de d\u00e9p\u00f4ts tokenis\u00e9s port\u00e9es par les banques, comp\u00e9titives face aux g\u00e9ants priv\u00e9s. <\/p><p>Si l&#8217;Union veut \u00e9viter de courir apr\u00e8s <strong>les standards venus d&#8217;ailleurs<\/strong>, elle devra avancer vite, mais sans br\u00fbler les \u00e9tapes. L&#8217;appel italien \u00e0 une mise en place progressive n&#8217;est pas un frein, c&#8217;est une m\u00e9thode. <\/p><p>Une fa\u00e7on de transformer une ambition politique en infrastructure qui fonctionne au quotidien, pour les citoyens, les commer\u00e7ants et les banques, sans rupture inutile ni co\u00fbt cach\u00e9. La <a href=\"https:\/\/www.ecb.europa.eu\/paym\/digital_euro\/html\/index.en.html\" target=\"_blank\">Banque centrale europ\u00e9enne<\/a> devra donc trouver le bon \u00e9quilibre entre ambition et pragmatisme pour r\u00e9ussir ce <a href=\"https:\/\/cryptonews.com\/fr\/news\/mnbc-cbdc-point-revolution-silencieuse-euro-bce\/\">d\u00e9ploiement historique<\/a>.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p>Pour aller plus loin sur le sujet :<\/p><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/lunion-europeenne-va-restreindre-votre-portefeuille-euro-digital\/\">Euro Digital : l&#8217;Union Europ\u00e9enne va limiter vos avoirs<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/euro-numerique-cbdc-stablecoin-dollar\/\">Guerre entre l&#8217;euro num\u00e9rique et les stablecoins : qui gagnera ?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/exclusives\/banquiers-prives-europeens-peu-favorables-adoption-euro-numerique\/\">Les banquiers priv\u00e9s en Europe peu favorables \u00e0 l&#8217;adoption de l&#8217;euro num\u00e9rique<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>L&#8217;Italie soutient l&#8217;euro num\u00e9rique, mais pas \u00e0 n&#8217;importe quel rythme. Les banques de la p\u00e9ninsule valident l&#8217;id\u00e9e d&#8217;une monnaie digitale de banque centrale au nom de la souverainet\u00e9 europ\u00e9enne, tout en demandant d&#8217;\u00e9taler les co\u00fbts d&#8217;impl\u00e9mentation sur plusieurs ann\u00e9es. Rome soutient, mais exige un phasageLe message est clair du c\u00f4t\u00e9 de l&#8217;Association bancaire italienne : [&hellip;]<\/p>\n","protected":false},"author":708,"featured_media":173661,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8,1],"tags":[],"editors":[2551],"sponsored_companies":[],"class_list":["post-173656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-altcoin-news","category-news","editors-julien-leroy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Euro num\u00e9rique : l\u2019Italie veut une mise en place progressive<\/title>\n<meta name=\"description\" content=\"L\u2019Italie appuie l\u2019euro num\u00e9rique, tout en r\u00e9clamant \u00e0 la BCE une mise en \u0153uvre plus progressive pour limiter les 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