{"id":175469,"date":"2025-11-26T14:00:00","date_gmt":"2025-11-26T14:00:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/?p=175469"},"modified":"2025-11-26T13:03:32","modified_gmt":"2025-11-26T13:03:32","slug":"afrique-du-sud-banque-centrale-crypto-stablecoins","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/afrique-du-sud-banque-centrale-crypto-stablecoins\/","title":{"rendered":"Afrique du Sud : la banque centrale alerte sur les cryptos et les stablecoins"},"content":{"rendered":"<p>La South African Reserve Bank (SARB) ne parle plus des cryptos en marge. Dans sa derni\u00e8re Financial Stability Review, la banque centrale classe pour la premi\u00e8re fois les crypto-actifs et les stablecoins parmi les risques \u00e9mergents pour la stabilit\u00e9 financi\u00e8re. L\u2019adoption a beaucoup progress\u00e9, les volumes aussi, alors que le cadre reste fragmentaire. Pour Pretoria, laisser cette zone grise s\u2019\u00e9largir reviendrait \u00e0 accepter un angle mort dans une \u00e9conomie d\u00e9j\u00e0 sous pression.<\/p><h2 class=\"wp-block-heading\"><strong>Crypto et stablecoins, nouveaux risques pour Pretoria<\/strong><\/h2><span class=\"replacer\"><\/span><p><a href=\"https:\/\/www.resbank.co.za\/en\/home\/publications\/publication-detail-pages\/reviews\/finstab-review\/2025\/second-edition\" target=\"_blank\" rel=\"noreferrer noopener\">Le rapport<\/a> consacre un passage entier \u00e0 l\u2019innovation financi\u00e8re. La SARB y cite explicitement les \u00ab crypto assets and stablecoins \u00bb comme <strong>facteur de vuln\u00e9rabilit\u00e9<\/strong>. Elle refuse ici de parler de \u00ab cryptocurrencies \u00bb pour ne pas les assimiler \u00e0 une monnaie. Jusqu\u2019ici, le sujet vivait surtout dans des annexes techniques. Il entre d\u00e9sormais dans la <strong>carte des risques suivis au plus haut niveau<\/strong>.<\/p><p>Les chiffres justifient ce changement de ton. D\u2019apr\u00e8s les principales plateformes locales, environ <strong>7,8 millions de Sud-Africains<\/strong> disposent aujourd\u2019hui d\u2019un compte crypto et pr\u00e8s de 1,5 milliard de dollars restent d\u00e9pos\u00e9s chez les exchanges.<\/p><p>En quelques ann\u00e9es, le pays s\u2019est hiss\u00e9 parmi les march\u00e9s les plus actifs du continent. Port\u00e9 par la faiblesse du rand, le besoin de diversification et l\u2019essor des paiements num\u00e9riques.<\/p><p>La banque centrale insiste aussi sur le <strong>r\u00f4le croissant des stablecoins<\/strong>. Sur les plateformes sud-africaines, les tokens adoss\u00e9s au dollar sont devenus la paire de r\u00e9f\u00e9rence devant le bitcoin. Ils servent de pivot entre le rand et le reste du march\u00e9, avec une volatilit\u00e9 plus supportable. Cette \u00e9volution change la nature du risque pour la SARB. Il ne s\u2019agit plus seulement de sp\u00e9culation. Mais de flux de dollars tokenis\u00e9s qui contournent les circuits bancaires classiques.<\/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\">LATEST: \ud83c\uddff\ud83c\udde6  South Africa&#39;s central bank named crypto assets and stablecoins a new financial risk in its latest stability report, noting that combined users on the country&#39;s three largest exchanges were 7.8 million as of July. <a href=\"https:\/\/t.co\/7fnwLVF8hS\">pic.twitter.com\/7fnwLVF8hS<\/a><\/p>&mdash; CoinMarketCap (@CoinMarketCap) <a href=\"https:\/\/twitter.com\/CoinMarketCap\/status\/1993487391839932775?ref_src=twsrc%5Etfw\">November 26, 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>Stablecoins et contr\u00f4le des capitaux<\/strong><\/h2><span class=\"replacer\"><\/span><p>Cette dimension transfrontali\u00e8re inqui\u00e8te particuli\u00e8rement Pretoria. Le rapport rappelle que, par leur nature num\u00e9rique, les crypto-actifs permettent de <strong>s\u2019affranchir<\/strong> des Exchange Control Regulations, qui <strong>encadrent les sorties de capitaux.<\/strong> Les <a href=\"https:\/\/cryptonews.com\/fr\/news\/baisse-taux-interets-stablecoins-bce-politique-monetaire\/\">stablecoins<\/a> facilitent l\u2019envoi de dollars synth\u00e9tiques hors du pays en quelques minutes, avec moins de frictions qu\u2019un virement international. Les textes, eux, datent d\u2019une \u00e9poque o\u00f9 ce type de flux n\u2019existait pas.<\/p><p>La banque centrale redoute donc une forme de dollarisation silencieuse via ces tokens index\u00e9s sur le dollar. Plus m\u00e9nages et entreprises stockent de la valeur dans des stablecoins, plus les autorit\u00e9s perdent de visibilit\u00e9 sur ces encaisses et sur la transmission de la politique mon\u00e9taire. Le risque tient  alors moins \u00e0 un krach brutal qu\u2019\u00e0 une <strong>\u00e9rosion progressive du contr\u00f4le<\/strong> sur les mouvements de capitaux.<\/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\udea8CRAZY!!!<br><br>The South African Reserve Bank just labeled crypto and stablecoins as new financial risks.<br><br>Meanwhile major banks are onboard, and big companies are already accepting crypto as payment.<br><br>Regulators are scrambling to understand what the market already adopted! <a href=\"https:\/\/t.co\/b5JaIb1riC\">pic.twitter.com\/b5JaIb1riC<\/a><\/p>&mdash; Kyle Chass\u00e9 \/ DD\ud83d\udc38 (@Kylechasse) <a href=\"https:\/\/twitter.com\/Kylechasse\/status\/1993469767102218686?ref_src=twsrc%5Etfw\">November 26, 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>Vers un cadre plus strict pour les plateformes<\/strong><\/h2><span class=\"replacer\"><\/span><p>La SARB ne demande pas l\u2019interdiction pure et simple des <a href=\"https:\/\/cryptonews.com\/fr\/news\/ghana-reglementation-plateformes-crypto-adoption-web3\/\">cryptos<\/a>. Elle plaide pour un <strong>durcissement graduel du cadre applicable aux prestataires<\/strong>. Le rapport mentionne des travaux avec le Tr\u00e9sor pour r\u00e9viser les Exchange Control Regulations de 1961 et y int\u00e9grer clairement les actifs num\u00e9riques. L\u2019objectif consiste \u00e0 mieux tracer les flux transfrontaliers et \u00e0 donner aux autorit\u00e9s les moyens de suivre les grandes positions en stablecoins.<\/p><p>Les exchanges locaux, d\u00e9j\u00e0 enregistr\u00e9s comme fournisseurs de services sur crypto-actifs, devront sans doute monter d\u2019un cran. Davantage de KYC, plus de reporting et des exigences de fonds propres renforc\u00e9es figurent parmi les options envisag\u00e9es. Une <strong>surveillance accrue des passerelles<\/strong> entre rand et stablecoins, notamment lorsque les fonds partent vers des portefeuilles externes, est aussi sur la table. Les banques, elles, sont invit\u00e9es \u00e0 suivre de plus pr\u00e8s leurs expositions indirectes au secteur.<\/p><p>Pour le grand public, les effets ne seraient pas spectaculaires, mais ils se feraient sentir. On peut imaginer des plafonds plus serr\u00e9s sur certains transferts, des v\u00e9rifications suppl\u00e9mentaires d\u00e8s qu\u2019il s\u2019agit de sortir en stablecoins et un coup d\u2019\u0153il plus appuy\u00e9 sur les retraits vers des wallets priv\u00e9s. L\u2019id\u00e9e, au fond, est de laisser vivre l\u2019innovation sans que ces jetons index\u00e9s sur le dollar viennent fragiliser un peu plus une \u00e9conomie d\u00e9j\u00e0 sous tension.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"><p>Source : <a href=\"https:\/\/www.resbank.co.za\/en\/home\/publications\/publication-detail-pages\/reviews\/finstab-review\/2025\/second-edition\" target=\"_blank\" rel=\"noreferrer noopener\">South African Reserve Bank<\/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\/stablecoins\/wuusd-nouveau-token-western-union-apres-annonce-usdpt\/\">WUUSD : le nouveau token de Western Union apr\u00e8s l\u2019annonce de USDPT ?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/ghana-reglementation-plateformes-crypto-adoption-web3\/\">Le Ghana annonce la r\u00e9glementation des plateformes cryptos : l\u2019adoption Web3 s\u2019acc\u00e9l\u00e8re<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/cryptonews.com\/fr\/news\/baisse-taux-interets-stablecoins-bce-politique-monetaire\/\">Baisse des taux d\u2019int\u00e9r\u00eats face aux stablecoins : la BCE pourrait revoir sa politique mon\u00e9taire<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>La South African Reserve Bank (SARB) ne parle plus des cryptos en marge. Dans sa derni\u00e8re Financial Stability Review, la banque centrale classe pour la premi\u00e8re fois les crypto-actifs et les stablecoins parmi les risques \u00e9mergents pour la stabilit\u00e9 financi\u00e8re. L\u2019adoption a beaucoup progress\u00e9, les volumes aussi, alors que le cadre reste fragmentaire. Pour Pretoria, [&hellip;]<\/p>\n","protected":false},"author":697,"featured_media":175474,"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-175469","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 v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Afrique du Sud : la banque centrale alerte sur les cryptos et les stablecoins<\/title>\n<meta name=\"description\" content=\"La South African Reserve Bank classe pour la premi\u00e8re fois les crypto et stablecoins comme risques \u00e9mergents pour la stabilit\u00e9 financi\u00e8re.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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