{"id":182117,"date":"2026-07-28T11:11:00","date_gmt":"2026-07-28T11:11:00","guid":{"rendered":"https:\/\/cryptonews.com\/fr\/news\/ripple-infrastructure-actifs-numeriques-institutions-financieres-rlusd\/"},"modified":"2026-07-28T09:16:45","modified_gmt":"2026-07-28T09:16:45","slug":"ripple-infrastructure-actifs-numeriques-institutions-financieres-rlusd","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/fr\/news\/ripple-infrastructure-actifs-numeriques-institutions-financieres-rlusd\/","title":{"rendered":"Ripple : l&rsquo;infrastructure pour les institutions financi\u00e8res"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Jack McDonald, vice-pr\u00e9sident senior chez Ripple, a confi\u00e9 \u00e0 Grayscale Research que l&rsquo;entreprise a largement d\u00e9pass\u00e9 son r\u00f4le initial de simple fournisseur de paiements transfrontaliers. <\/p><p class=\"wp-block-paragraph\">Elle op\u00e8re d\u00e9sormais comme une plateforme compl\u00e8te d&rsquo;infrastructure d&rsquo;actifs num\u00e9riques pour les institutions. Ses services incluent la garde (custody), les stablecoins, la gestion de tr\u00e9sorerie et le trading institutionnel. Ripple soutient que les institutions peuvent simplifier leurs op\u00e9rations en utilisant un prestataire unique plut\u00f4t que de multiplier les partenaires.<\/p><p class=\"wp-block-paragraph\">S&rsquo;entretenant avec Charlie Perkins de Grayscale Research, McDonald a expliqu\u00e9 que Ripple s&rsquo;est d\u00e9velopp\u00e9e via le d\u00e9veloppement de produits internes et des acquisitions strat\u00e9giques. Sa plateforme int\u00e8gre d\u00e9sormais la garde d&rsquo;actifs num\u00e9riques, le stablecoin RLUSD adoss\u00e9 au dollar am\u00e9ricain, ainsi qu&rsquo;une infrastructure de trading institutionnel. Ripple a \u00e9galement renforc\u00e9 ses capacit\u00e9s gr\u00e2ce \u00e0 Standard Custody &#038; Trust Company et Hidden Road.<\/p><figure class=\"wp-block-embed is-type-rich is-provider-x wp-block-embed-x\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">In 2013, <a href=\"https:\/\/x.com\/Ripple?ref_src=twsrc%5Etfw\">@Ripple<\/a> was just a payments company. Today it spans custody, payments, native stablecoins, treasury management, and prime brokerage, all under one roof.<a href=\"https:\/\/x.com\/_JackMcDonald_?ref_src=twsrc%5Etfw\">@_JackMcDonald_<\/a>, SVP at Ripple, joins Grayscale to discuss how the company is building full-stack financial\u2026 <a href=\"https:\/\/t.co\/JJgAgPWV4K\">pic.twitter.com\/JJgAgPWV4K<\/a><\/p>&mdash; Grayscale (@Grayscale) <a href=\"https:\/\/x.com\/Grayscale\/status\/2081424455491056035?ref_src=twsrc%5Etfw\">July 26, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.x.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><p class=\"wp-block-paragraph\">McDonald a pr\u00e9cis\u00e9 que Ripple cible prioritairement les banques, les fintechs, les soci\u00e9t\u00e9s de paiement et les gestionnaires d&rsquo;actifs. Ces organisations exigent une infrastructure de qualit\u00e9 entreprise et strictement r\u00e9gul\u00e9e. Cette orientation institutionnelle dicte chaque lancement de produit et chaque acquisition majeure, Ripple privil\u00e9giant les grands acteurs financiers plut\u00f4t que les utilisateurs particuliers.<\/p><p class=\"wp-block-paragraph\">Cette strat\u00e9gie s&rsquo;attaque \u00e0 un obstacle majeur de l&rsquo;adoption crypto par les institutions. De nombreuses entreprises d\u00e9pendent encore de prestataires distincts pour la conservation, la liquidit\u00e9, l&rsquo;\u00e9mission de stablecoins et l&rsquo;ex\u00e9cution des ordres. Ripple est convaincu que l&rsquo;int\u00e9gration de ces services peut r\u00e9duire la complexit\u00e9 op\u00e9rationnelle et acc\u00e9l\u00e9rer l&rsquo;adoption d&rsquo;une finance bas\u00e9e sur la blockchain.<\/p><p class=\"wp-block-paragraph\">Concernant le RLUSD, McDonald le d\u00e9crit comme un outil d&rsquo;infrastructure plut\u00f4t que comme une simple course \u00e0 la part de march\u00e9. Ripple souhaite que ce stablecoin soutienne les flux de paiement et de tr\u00e9sorerie des entreprises. La soci\u00e9t\u00e9 donne la priorit\u00e9 aux cas d&rsquo;utilisation concrets plut\u00f4t qu&rsquo;\u00e0 une croissance rapide de l&rsquo;offre circulant, une approche coh\u00e9rente avec sa vision institutionnelle globale.<\/p><p class=\"wp-block-paragraph\">L&rsquo;int\u00e9gration de Hidden Road renforce les capacit\u00e9s de trading de Ripple. Parall\u00e8lement, l&rsquo;entreprise continue de d\u00e9ployer le support du RLUSD sur plusieurs r\u00e9seaux blockchain et multiplie les partenariats avec des institutions financi\u00e8res. Chaque collaboration accompagne une \u00e9tape diff\u00e9rente de l&rsquo;adoption des actifs num\u00e9riques par les professionnels.<\/p><h2 class=\"wp-block-heading\">La r\u00e9gulation comme levier de croissance pour Ripple<\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Ripple affirme d\u00e9tenir plus de 60 licences, enregistrements et approbations r\u00e9glementaires \u00e0 travers le monde. Cette empreinte pourrait devenir un atout majeur \u00e0 mesure que les r\u00e8gles encadrant les actifs num\u00e9riques s&rsquo;affinent. Les banques et firmes r\u00e9gul\u00e9es privil\u00e9gient g\u00e9n\u00e9ralement les cadres de conformit\u00e9 \u00e9tablis, et Ripple estime que cette base solide facilite l&rsquo;int\u00e9gration des nouveaux clients institutionnels.<\/p><p class=\"wp-block-paragraph\">L&rsquo;entreprise investit \u00e9galement dans l&rsquo;avenir via son programme University Blockchain Research Initiative, qui regroupe plus de 60 partenaires acad\u00e9miques mondiaux. Les chercheurs y \u00e9tudient la tokenisation, l&rsquo;intelligence artificielle et la cryptographie post-quantique. Ripple consid\u00e8re ces investissements comme un d\u00e9veloppement d&rsquo;infrastructure \u00e0 long terme.<\/p><p class=\"wp-block-paragraph\">Si la strat\u00e9gie de McDonald est claire, l&rsquo;ex\u00e9cution reste le d\u00e9fi principal. Fusionner Standard Custody et Hidden Road en une plateforme unique et fluide demandera du temps. Les institutions jugeront Ripple sur ses r\u00e9sultats op\u00e9rationnels plut\u00f4t que sur son marketing. La r\u00e9ussite de cette int\u00e9gration est donc critique pour sa strat\u00e9gie de long terme.<\/p><p class=\"wp-block-paragraph\">La demande institutionnelle pour les services financiers sur blockchain continue de cro\u00eetre, cr\u00e9ant des opportunit\u00e9s pour Ripple tout en intensifiant la concurrence. Les investisseurs devront surveiller l&rsquo;adoption du RLUSD, l&rsquo;int\u00e9gration des acquisitions et la croissance des produits entreprises. Ces indicateurs r\u00e9v\u00e9leront si Ripple parvient \u00e0 obtenir une traction institutionnelle significative.<\/p>","protected":false},"excerpt":{"rendered":"<p>Ripple d\u00e9laisse les paiements transfrontaliers pour devenir une plateforme d&rsquo;infrastructure crypto compl\u00e8te pour les banques et gestionnaires d&rsquo;actifs.<\/p>\n","protected":false},"author":605,"featured_media":182116,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"editors":[2551],"sponsored_companies":[],"class_list":["post-182117","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 v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ripple : l&#039;infrastructure pour les institutions financi\u00e8res<\/title>\n<meta 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