{"id":7485,"date":"2022-04-05T09:23:10","date_gmt":"2022-04-05T07:23:10","guid":{"rendered":"https:\/\/www.devlhon-consulting.com\/?p=7485"},"modified":"2022-04-05T09:23:10","modified_gmt":"2022-04-05T07:23:10","slug":"que-proposent-les-etablissements-financiers-en-matiere-de-crypto-devises","status":"publish","type":"post","link":"https:\/\/www.devlhon-consulting.com\/en\/que-proposent-les-etablissements-financiers-en-matiere-de-crypto-devises\/","title":{"rendered":"(Fran\u00e7ais) Que proposent les \u00e9tablissements financiers en mati\u00e8re de crypto-devises ?"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<span style=\"font-family: helvetica; font-size: 14pt;\">La vague des cryptos parait devoir durer. Selon la r\u00e9cente\u00a0<a href=\"https:\/\/adan.eu\/wp-content\/uploads\/La-crypto-en-France-structuration-du-secteur-et-adoption-par-le-grand-public.2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u00e9tude Adan\/KPMG<\/strong><\/a>, 8% des Fran\u00e7ais adultes ont investi dans des crypto-actifs et 30% envisagent de le faire.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Par comparaison, rappelons que 6,7% des Fran\u00e7ais seulement d\u00e9tiennent des actions en propre. Les cryptos s\u00e9duisent surtout les jeunes (12% des 18-35 ans ont investi dans des crypto-actifs) et, avec leurs perspectives d\u2019enrichissement rapide, de nombreuses personnes aux revenus moyens\u00a0: 37% des Fran\u00e7ais investis dans des crypto-actifs gagneraient moins de 18\u00a0000 \u20ac par an.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Dans ces conditions, beaucoup de banques sont tent\u00e9es de se positionner sur un march\u00e9 qui a un fort besoin d\u2019interm\u00e9diaires, tant la principale barri\u00e8re pour le public sont moins les risques que la complexit\u00e9 des cryptos.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Selon le\u00a0<a href=\"https:\/\/www.ey.com\/fr_ch\/banking-capital-markets\/banking-barometer-2022-optimism\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Barom\u00e8tre EY 2022<\/strong><\/a>, 55% des banques suisses, par exemple, pr\u00e9voient de proposer prochainement des placements en cryptos.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">En France, les initiatives restent plus timides. Voici donc un petit tour d\u2019horizon de ce que les \u00e9tablissements financiers peuvent proposer. En 10 exemples\u00a0:<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">1 \u2013 El\u00e9mentaire (mais encore peu fr\u00e9quent) : achat\/vente, conservation. Ex :\u00a0<a href=\"https:\/\/www.unifyfcu.com\/Cryptocurrency\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Unify Financial Credit Union<\/strong><\/a>.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">2 \u2013 Indispensable : crypto-as-a-service, pour que les entreprises puissent proposer des offres en cryptos. Ex\u00a0:\u00a0<a href=\"https:\/\/coverager.com\/purchase-a-policy-using-cryptocurrency-insured-nomads-teams-up-with-cover-compared\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>l\u2019assurance voyage<\/strong><\/a>.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">3 \u2013 Utile\u00a0: un wallet accueillant les crypto-devises. Ex\u00a0:\u00a0<a href=\"https:\/\/www.bbva.com\/en\/bbva-switzerland-launches-new-gen-the-digital-account-that-enables-investments-in-sectors-with-the-greatest-impact-on-the-future\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>BBVA Suisse<\/strong><\/a><\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">4 \u2013 Hasardeux\u00a0?\u00a0: des conseils en placements. Ex\u00a0:\u00a0<a href=\"https:\/\/point-banque.fr\/2021\/12\/09\/visa-lance-ses-services-de-conseil-en-crypto\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Visa Consulting &amp; Analytics<\/strong><\/a><\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">5 \u2013 Incontournable\u00a0: un ETF. Ex\u00a0: la\u00a0<a href=\"https:\/\/point-banque.fr\/2022\/01\/10\/sberbank-annonce-le-lancement-dun-etf-blockchain\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Sberbank<\/strong><\/a>.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">6 \u2013 In\u00e9vitable\u00a0: des pr\u00eats avec des cryptos en garantie. Ex\u00a0:\u00a0<a href=\"https:\/\/www.ledgerinsights.com\/ings-p2p-lending-defi-project-set-for-regulatory-sandbox\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>ING<\/strong>\u00a0<\/a>(en projet pour des pr\u00eats Defi en P2P).<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">7 \u2013 Judicieux\u00a0: accepter les paiements en cryptos pour son propre compte. Ex\u00a0:\u00a0<a href=\"https:\/\/www.agefi.fr\/banque-assurance\/actualites\/quotidien\/20220104\/l-assurance-prend-vague-cryptomonnaies-334586\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>2 courtiers d\u2019assurance strasbourgeois<\/strong><\/a>.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">8 \u2013 Evident (mais encore peu fr\u00e9quent)\u00a0: assurer la gestion des paiements des firmes sp\u00e9cialis\u00e9es dans les cryptos. Ex\u00a0:\u00a0<a href=\"https:\/\/www.customersbank.com\/small-business-banking\/instant-payment\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Customers Bank<\/strong><\/a>.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">9 \u2013 Malin\u00a0: assurer la tr\u00e9sorerie des firmes sp\u00e9cialis\u00e9es dans les cryptos, qui n\u2019utilisent g\u00e9n\u00e9ralement pas ces derni\u00e8res pour payer leurs employ\u00e9s\u00a0et fournisseurs\u00a0! Ex\u00a0:\u00a0<a href=\"https:\/\/bankprov.com\/cryptocurrency-banking\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>BankProv<\/strong><\/a>.<\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11174\" src=\"http:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/banprov-1024x414.jpg\" sizes=\"auto, (max-width: 817px) 100vw, 817px\" srcset=\"https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/banprov-1024x414.jpg 1024w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/banprov-300x121.jpg 300w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/banprov-768x311.jpg 768w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/banprov-600x243.jpg 600w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/banprov-1536x622.jpg 1536w, https:\/\/score-advisor.com\/wp-content\/uploads\/2022\/02\/banprov.jpg 1893w\" alt=\"\" width=\"817\" height=\"330\" \/><\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">10 \u2013 Audacieux\u00a0: faire le trading d\u2019une crypto-devise. Ex\u00a0:\u00a0<a href=\"https:\/\/dailycoin.com\/leading-digital-asset-bank-selects-tezos-for-financial-services-products\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Arab Bank Switzerland\/Tezos<\/strong><\/a><\/span><\/p>\n<p><span style=\"font-family: helvetica; font-size: 14pt;\">Score Advisor<\/span>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]La vague des cryptos parait devoir durer. Selon la r\u00e9cente\u00a0\u00e9tude Adan\/KPMG, 8% des Fran\u00e7ais adultes ont investi dans des crypto-actifs et 30% envisagent de le faire. Par comparaison, rappelons que 6,7% des Fran\u00e7ais seulement d\u00e9tiennent des actions en propre. Les cryptos s\u00e9duisent surtout les jeunes (12% des 18-35 ans ont investi dans des crypto-actifs) et, [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":7486,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"seo_booster_metabox":"","footnotes":""},"categories":[45,138,137,44,46],"tags":[533,150,76],"class_list":["post-7485","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-activites-transverses","category-analyse","category-article","category-banque-de-detail","category-banque-de-financement-et-dinvestissement","tag-blockchains","tag-cryptomonnaies","tag-devlhon-consulting"],"amp_validity":null,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7485","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/comments?post=7485"}],"version-history":[{"count":2,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7485\/revisions"}],"predecessor-version":[{"id":7488,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/posts\/7485\/revisions\/7488"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/media\/7486"}],"wp:attachment":[{"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/media?parent=7485"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/categories?post=7485"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.devlhon-consulting.com\/en\/wp-json\/wp\/v2\/tags?post=7485"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}