{"id":12672,"date":"2025-06-17T09:00:00","date_gmt":"2025-06-17T07:00:00","guid":{"rendered":"https:\/\/www.blog.bim.finance\/?p=12672"},"modified":"2025-06-16T19:46:48","modified_gmt":"2025-06-16T17:46:48","slug":"cbdc-vs-crypto-differences-avenir","status":"publish","type":"post","link":"https:\/\/www.blog.bim.finance\/en\/cbdc-vs-crypto-differences-avenir\/","title":{"rendered":"CBDC vs Crypto : quelles diff\u00e9rences et quel avenir pour votre argent ?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"12672\" class=\"elementor elementor-12672\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-acafa0e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"acafa0e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e02eed7\" data-id=\"e02eed7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9511d01 elementor-widget elementor-widget-heading\" data-id=\"9511d01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CBDC et crypto : des racines communes, des philosophies oppos\u00e9es<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dea1006 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dea1006\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-070b269\" data-id=\"070b269\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37983c2 elementor-widget elementor-widget-text-editor\" data-id=\"37983c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Sur le plan technique, CBDC et crypto utilisent des technologies similaires : <strong>infrastructure num\u00e9rique<\/strong>, <strong>transactions instantan\u00e9es<\/strong>, voire <strong>smart contracts<\/strong>. Mais la ressemblance s\u2019arr\u00eate l\u00e0.<\/p><p data-pm-slice=\"1 1 []\">Les cryptomonnaies comme Bitcoin ou Ethereum ont \u00e9t\u00e9 con\u00e7ues pour <strong>\u00e9chapper au contr\u00f4le des \u00c9tats<\/strong>. Elles sont d\u00e9centralis\u00e9es (point \u00e0 d\u00e9battre pour certaines), transparentes, limit\u00e9es en quantit\u00e9 (dans le cas du BTC) et cens\u00e9es redonner le pouvoir aux utilisateurs.<\/p><p data-pm-slice=\"1 1 []\">Les CBDC, elles, sont <strong>des prolongements num\u00e9riques des monnaies traditionnelles<\/strong>. \u00c9mises et contr\u00f4l\u00e9es par les banques centrales, elles s\u2019inscrivent dans un cadre strictement r\u00e9gul\u00e9. Elles visent \u00e0 renforcer l&rsquo;efficacit\u00e9 du syst\u00e8me mon\u00e9taire existant, pas \u00e0 le remplacer.<\/p><p data-pm-slice=\"1 1 []\">Autrement dit : m\u00eame technologie de base, <strong>deux visions du monde radicalement diff\u00e9rentes<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-647860e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"647860e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1506f34\" data-id=\"1506f34\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c0f7cf elementor-widget elementor-widget-heading\" data-id=\"6c0f7cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ce que les CBDC promettent\u2026 et ce qu\u2019elles impliquent<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa65a38 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aa65a38\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c7273c0\" data-id=\"c7273c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1800f3a elementor-widget elementor-widget-text-editor\" data-id=\"1800f3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"0 0 []\">Les partisans des CBDC avancent plusieurs arguments :<\/p><ul><li data-pm-slice=\"0 0 []\">R\u00e9duction des co\u00fbts d&rsquo;interm\u00e9diation<\/li><li data-pm-slice=\"0 0 []\">Inclusion financi\u00e8re<\/li><li data-pm-slice=\"0 0 []\">Lutte contre le blanchiment et la fraude<\/li><li data-pm-slice=\"0 0 []\">Meilleure tra\u00e7abilit\u00e9 des flux d&rsquo;argent<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-683dc8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"683dc8f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b671b78\" data-id=\"b671b78\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a976e59 elementor-widget elementor-widget-text-editor\" data-id=\"a976e59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mais cette approche centr\u00e9e sur la technologie cache une<strong> concentration du pouvoir sans pr\u00e9c\u00e9dent<\/strong>. Une CBDC programmable peut :<\/p><ul><li>Expirer au bout d&rsquo;un certain temps pour inciter \u00e0 la d\u00e9pense<\/li><li>\u00catre bloqu\u00e9e sur une d\u00e9cision administrative ou politique<\/li><li>\u00catre assign\u00e9e \u00e0 certains types d&rsquo;achats (et refus\u00e9e pour d&rsquo;autres)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-096d99f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"096d99f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8459878\" data-id=\"8459878\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0fedbf5 elementor-widget elementor-widget-text-editor\" data-id=\"0fedbf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En d&rsquo;autres termes, <strong>le cash num\u00e9rique pourrait perdre ce qui faisait la force du cash physique<\/strong> (l&rsquo;anonymat, la neutralit\u00e9 et une certaine libert\u00e9).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-893e974 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"893e974\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f6ccf8e\" data-id=\"f6ccf8e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-666b8be elementor-widget elementor-widget-heading\" data-id=\"666b8be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi ce \"choix\" est peut-\u00eatre illusoire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2819645 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2819645\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e5fb935\" data-id=\"e5fb935\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9222c55 elementor-widget elementor-widget-text-editor\" data-id=\"9222c55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>On pourrait croire qu&rsquo;on aura bient\u00f4t le choix entre utiliser une crypto ind\u00e9pendante ou une CBDC.<\/p><p>Mais ce choix pourrait <strong>\u00eatre neutralis\u00e9 par la r\u00e9gulation, la fiscalit\u00e9 ou la pression sociale<\/strong>.<\/p><p>Voyons des exemples concrets :<\/p><ul><li>Si un commer\u00e7ant n&rsquo;est autoris\u00e9 \u00e0 accepter que la CBDC locale, l&rsquo;usage des cryptomonnaies devient marginalis\u00e9.<\/li><li>Si les revenus en cryptomonnaies sont syst\u00e9matiquement surtax\u00e9s ou soumis \u00e0 des contraintes KYC (Know Your Customer) lourdes, elles deviennent dissuasives.<\/li><li>Si l&rsquo;acc\u00e8s \u00e0 certains services publics (transports, logement; aides) est conditionn\u00e9 \u00e0 un wallet CBDC, alors le choix n&rsquo;en est plus un.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-35e7a4f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35e7a4f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d23d97\" data-id=\"1d23d97\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ea50ad elementor-widget elementor-widget-text-editor\" data-id=\"1ea50ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En fa\u00e7ade, on conserverait une \u00ab\u00a0libert\u00e9 mon\u00e9taire\u00a0\u00bb. En pratique, <strong>l&rsquo;infrastructure de base pousserait inexorablement vers la solution centralis\u00e9e<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2142f8a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2142f8a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f29324\" data-id=\"1f29324\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-325498c elementor-widget elementor-widget-heading\" data-id=\"325498c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Vers un monde \u00e0 deux vitesses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b30f9f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b30f9f9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0da2391\" data-id=\"0da2391\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8b286d6 elementor-widget elementor-widget-image\" data-id=\"8b286d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pmecdn.protonweb.com\/image-transformation\/?s=c&#038;image=images%2Ff_auto%2Cq_auto%2Fv1741722196%2Fwp-pme%2Fbitcoin_vs_cbdcs%2Fbitcoin_vs_cbdcs.png%3F_i%3DAA&#038;width=3360&#038;height=1680\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Crypto vs CBDC<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad9b3d2 elementor-widget elementor-widget-text-editor\" data-id=\"ad9b3d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le sc\u00e9nario le plus probable n&rsquo;est peut-\u00eatre pas \u00ab\u00a0CBDC contre crypto\u00a0\u00bb, mais plut\u00f4t une <strong>cohabitation hi\u00e9rarchis\u00e9e<\/strong>.<\/p><p>L&rsquo;utilisation des <strong>CBDC pour une majorit\u00e9\u00a0<\/strong>car pratique, int\u00e9gr\u00e9e aux institutions, obligatoires pour les imp\u00f4ts, les salaires publics ou les subventions.<\/p><p>Et de l&rsquo;autre c\u00f4t\u00e9, <strong>les cryptomonnaies pour les plus t\u00e9m\u00e9raires<\/strong> qui sont seront soucieux de leur souverainet\u00e9 ou vivant sous r\u00e9gimes autoritaires.<\/p><p>On assisterait alors \u00e0 une\u00a0<strong>monnaie \u00e0 deux vitesses<\/strong> : une contr\u00f4l\u00e9e pour le quotidien, une autre pour ceux qui veulent \u00e9chapper au syst\u00e8me&#8230; mais avec les risques, la complexit\u00e9 et les contraintes que cela implique.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-16d76ea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"16d76ea\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-db5428b\" data-id=\"db5428b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b420d58 elementor-widget elementor-widget-heading\" data-id=\"b420d58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi cette r\u00e9flexion est cruciale aujourd'hui<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ea68afe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea68afe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f3af6f5\" data-id=\"f3af6f5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac70225 elementor-widget elementor-widget-text-editor\" data-id=\"ac70225\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le sujet des CDBC est souvent pr\u00e9sent\u00e9 comme purement technique, voire inoffensif. Mias c&rsquo;est un <strong>d\u00e9bat de soci\u00e9t\u00e9<\/strong>.<\/p><p>Sommes-nous pr\u00eats \u00e0 sacrifier la confidentialit\u00e9 et la neutralit\u00e9 de la monnaie pour plus d&rsquo;efficacit\u00e9 et de contr\u00f4le ?<\/p><p>Souhaitons-nous un monde o\u00f9 la monnaie est programmable par des institutions&#8230; ou un monde o\u00f9 elle reste un outil neutre, au service des individus ?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f5b3ea5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f5b3ea5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ec7d876\" data-id=\"ec7d876\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b6fda7 elementor-widget elementor-widget-text-editor\" data-id=\"6b6fda7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La v\u00e9ritable question n&rsquo;est donc pas \u00ab\u00a0CBDC vs crypto\u00a0\u00bb mais plut\u00f4t : <strong>quelle part de pouvoir mon\u00e9taires sommes-nous pr\u00eats \u00e0 d\u00e9l\u00e9guer<\/strong>\u00a0?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df49b0a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"df49b0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/exchange.bim.finance\/en\/#tab-buyCrypto\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9couvrez BIM Exchange<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-740dcd6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"740dcd6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-603af28\" data-id=\"603af28\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22c3eaa elementor-widget elementor-widget-text-editor\" data-id=\"22c3eaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Sources<\/strong> :<\/p><ul><li><a href=\"https:\/\/www.edps.europa.eu\/press-publications\/publications\/techsonar\/central-bank-digital-currency_en\">European Data Protection Supervisor<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Bitcoin promettait un monde sans banques centrales. Aujourd&rsquo;hui, ces m\u00eames banques centrales pr\u00e9parent leur riposte avec les CBDC, ou monnaies num\u00e9riques de banque centrale.<br \/>\n\u00c0 premi\u00e8re vue, on pourrait croire que l&rsquo;on aura bient\u00f4t le choix : crypto ou monnaie \u00e9tatique ? Mais en y regardant de plus pr\u00e8s, ce duel est peut-\u00eatre biais\u00e9 d\u00e8s le d\u00e9part&#8230;<\/p>","protected":false},"author":18,"featured_media":12714,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[15],"tags":[],"ppma_author":[145],"class_list":["post-12672","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CBDC vs Crypto : quelles diff\u00e9rences et quel avenir pour votre argent ? - BIM Blog<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment les CBDC et les cryptos red\u00e9finissent la monnaie, et pourquoi ce choix apparent pourrait \u00eatre bien plus complexe qu\u2019il n\u2019y para\u00eet.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.blog.bim.finance\/en\/cbdc-vs-crypto-differences-avenir\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CBDC vs Crypto : quelles diff\u00e9rences et quel avenir pour votre argent ? 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