{"id":179971,"date":"2026-04-24T18:35:00","date_gmt":"2026-04-24T18:35:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/news\/onramp-lance-sa-nouvelle-plateforme-financiere-bitcoin-pour-des-services-natifs-du-btc\/"},"modified":"2026-04-22T14:49:56","modified_gmt":"2026-04-22T14:49:56","slug":"onramp-lance-nouvelle-plateforme-financiere-bitcoin","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/onramp-lance-nouvelle-plateforme-financiere-bitcoin\/","title":{"rendered":"Onramp lance sa nouvelle plateforme financi\u00e8re Bitcoin pour des services natifs du BTC"},"content":{"rendered":"<p>Onramp, la soci\u00e9t\u00e9 de garde et de conseil en bitcoin bas\u00e9e \u00e0 Austin, a <a href=\"https:\/\/www.congress.gov\/crs-product\/R44918\" target=\"_blank\" rel=\"noreferrer noopener\">lanc\u00e9<\/a> Onramp Finance le 21 avril 2026, une plateforme unifi\u00e9e combinant gestion de tr\u00e9sorerie, courtage de bitcoins dans les 50 \u00c9tats, comptes de retraite (IRA) en bitcoin, d\u00e9tention directe d&#8217;or et carte de paiement au sein d&#8217;une interface unique.<\/p><p>La question centrale soulev\u00e9e par ce lancement : alors que la <a href=\"https:\/\/cryptonews.com\/news\/spot-bitcoin-etfs-1-billion-weekly-inflows\/\" target=\"_blank\" rel=\"noreferrer noopener\">demande institutionnelle pour le Bitcoin continue de s&#8217;acc\u00e9l\u00e9rer<\/a>, la v\u00e9ritable lacune infrastructurelle ne r\u00e9side-t-elle pas dans la garde ou l&#8217;exposition au prix, mais dans l&#8217;\u00e9clatement des circuits financiers entourant les d\u00e9tenteurs de BTC \u00e0 long terme ?<\/p><div style=\"border: 1px solid #e0d5e5; background: #faefff; padding: 20px 24px; border-radius: 6px; margin: 24px 0;\"><strong>Points cl\u00e9s \u00e0 retenir :<\/strong>\n<ul>\n<li><strong>Lancement de la plateforme :<\/strong> Onramp Finance a \u00e9t\u00e9 d\u00e9ploy\u00e9e le 21 avril 2026, consolidant les services bancaires, le courtage, la garde et la retraite dans une seule interface.<\/li>\n<li><strong>Rendement et r\u00e9compenses :<\/strong> Les comptes de tr\u00e9sorerie offrent jusqu&#8217;\u00e0 5 % de r\u00e9compenses financ\u00e9es par Onramp ; la carte de paiement permet d&#8217;obtenir jusqu&#8217;\u00e0 1,5 % de cashback.<\/li>\n<li><strong>Infrastructure de garde :<\/strong> Un mod\u00e8le multi-fournisseurs s&#8217;appuyant sur BitGo, Coinbase, Coincover et Tetra, avec une assurance via Lloyd\u2019s of London.<\/li>\n<li><strong>Programme Genesis :<\/strong> Limit\u00e9 \u00e0 210 participants ; n\u00e9cessite un d\u00e9p\u00f4t minimum de 2 BTC et une transaction \u00e9ligible d&#8217;au moins 100 USD sous 30 jours.<\/li>\n<li><strong>March\u00e9 cible :<\/strong> Les investisseurs ax\u00e9s sur la cr\u00e9ation de patrimoine \u00e0 long terme et les particuliers fortun\u00e9s traitant le bitcoin comme un actif \u00e0 conserver sur plusieurs d\u00e9cennies, et non comme un instrument sp\u00e9culatif.<\/li>\n<\/ul>\n<\/div><h2 class=\"wp-block-heading\">Comment Onramp Finance fonctionne r\u00e9ellement \u2013 et ce que cette architecture signale<\/h2><span class=\"replacer\"><\/span><p>La plateforme organise ses services autour de trois fonctions : gagner, accumuler et d\u00e9penser.<\/p><p>Les utilisateurs d\u00e9posent des liquidit\u00e9s sur des comptes rapportant jusqu&#8217;\u00e0 5 % de r\u00e9compenses financ\u00e9es par Onramp (discr\u00e9tionnaires et non des int\u00e9r\u00eats garantis), puis orientent les fonds vers le bitcoin ou l&#8217;or, les r\u00e9compenses en cashback de la carte de paiement pouvant \u00eatre r\u00e9inject\u00e9es dans ces m\u00eames cat\u00e9gories d&#8217;actifs.<\/p><p>La garde repose sur un mod\u00e8le multi-institutionnel impliquant BitGo, Coinbase, Coincover et Tetra, avec une couverture d&#8217;assurance fournie par Lloyd\u2019s of London.<\/p><p>Cette architecture \u00e9limine le risque de point de d\u00e9faillance unique (single point of failure) qui a historiquement affect\u00e9 la garde sur les plateformes d&#8217;\u00e9change, une r\u00e9ponse structurelle directe aux effondrements qui ont marqu\u00e9 l&#8217;ann\u00e9e 2022.<\/p><p><\/p><blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">Two launches today.<br><br>One lets you trade 24\/7 perpetual futures on anything.<br><br>One helps you earn on your cash, own bitcoin on the strongest custody architecture ever built, and preserve wealth across decades.<br><br>The contrast is deafening.<br><br>Speculation or savings. Pick your platform. <a href=\"https:\/\/t.co\/3VgY0o12d0\">https:\/\/t.co\/3VgY0o12d0<\/a> <a href=\"https:\/\/t.co\/4FxOyOWyTP\">pic.twitter.com\/4FxOyOWyTP<\/a><\/p>&mdash; Michael Tanguma (@MTanguma) <a href=\"https:\/\/twitter.com\/MTanguma\/status\/2046689644121559240?ref_src=twsrc%5Etfw\">April 21, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><p>Le programme Genesis ajoute des incitations pour les premiers adoptants : coffre-fort de garde sans frais pendant un an, acc\u00e8s anticip\u00e9 aux produits et contact direct avec les dirigeants de l&#8217;entreprise, le tout pour un d\u00e9p\u00f4t minimum de 2 BTC et une transaction \u00e9ligible de 100 USD sous 30 jours.<\/p><p>Les places sont attribu\u00e9es selon l&#8217;ordre d&#8217;ex\u00e9cution des transactions, avec une limite fix\u00e9e \u00e0 210 participants.<\/p><p>Le PDG Michael Tanguma a pr\u00e9sent\u00e9 ce lancement autour de principes patrimoniaux de long terme plut\u00f4t que sur le timing du march\u00e9.<\/p><p>Sa position est sans ambigu\u00eft\u00e9 : <em>\u00ab Une planification financi\u00e8re solide a toujours repos\u00e9 sur quelques id\u00e9es simples. Vivez avec moins que ce que vous gagnez. Placez le reste dans des actifs qui conservent leur valeur. Transmettez-les intelligemment. \u00bb<\/em><\/p><p>Cette formulation est importante : elle signale qu&#8217;Onramp ne cherche explicitement pas \u00e0 concurrencer le segment des traders actifs.<\/p><p><\/p>","protected":false},"excerpt":{"rendered":"<p>Onramp lance une plateforme financi\u00e8re Bitcoin pour les services BTC<\/p>\n","protected":false},"author":605,"featured_media":179968,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"editors":[2551],"sponsored_companies":[],"class_list":["post-179971","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","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>Onramp lance sa nouvelle plateforme financi\u00e8re Bitcoin<\/title>\n<meta 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