{"id":14065,"date":"2025-08-25T14:11:28","date_gmt":"2025-08-25T12:11:28","guid":{"rendered":"https:\/\/www.blog.bim.finance\/?p=14065"},"modified":"2025-08-25T14:11:30","modified_gmt":"2025-08-25T12:11:30","slug":"crypto-vs-western-union-remittances","status":"publish","type":"post","link":"https:\/\/www.blog.bim.finance\/en\/crypto-vs-western-union-remittances\/","title":{"rendered":"Crypto vs Western Union : qui paie le moins pour les remittances ?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"14065\" class=\"elementor elementor-14065\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-57b860d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57b860d\" 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-a41603c\" data-id=\"a41603c\" 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-35986c4 elementor-widget elementor-widget-text-editor\" data-id=\"35986c4\" 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 class=\"p1\">Les remittances alimentent des \u00e9conomies enti\u00e8res. Chaque ann\u00e9e, des centaines de milliards de dollars transitent des diasporas vers leurs pays d\u2019origine. Traditionnellement, ces flux passent par des services comme <b>Western Union<\/b>. Depuis quelques ann\u00e9es, les cryptomonnaies et les stablecoins promettent une alternative moins co\u00fbteuse et plus rapide. Mais qu\u2019en est-il dans les faits ?<\/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-fe89211 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe89211\" 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-d432de8\" data-id=\"d432de8\" 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-f976338 elementor-widget elementor-widget-heading\" data-id=\"f976338\" 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 les remittances comptent<\/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-4cfb42b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4cfb42b\" 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-a020702\" data-id=\"a020702\" 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-eab5411 elementor-widget elementor-widget-text-editor\" data-id=\"eab5411\" 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 class=\"p1\">Les transferts d\u2019argent servent \u00e0 payer la nourriture, la sant\u00e9 et l\u2019\u00e9ducation. Ainsi, chaque euro \u00e9conomis\u00e9 am\u00e9liore le pouvoir d\u2019achat d\u2019une famille. De plus, la rapidit\u00e9 importe lors d\u2019une urgence. Par cons\u00e9quent, r\u00e9duire les frais et acc\u00e9l\u00e9rer les paiements constituent des enjeux majeurs pour les pays \u00e9mergents.<\/p><p class=\"p1\">Western Union propose une couverture mondiale et des points de retrait physiques. En pratique, cela facilite l\u2019acc\u00e8s dans de nombreuses zones rurales. Cependant, ses frais restent significatifs. Pour un envoi typique de 200 USD, le co\u00fbt moyen tourne autour de 6 \u00e0 7 %. Ce pourcentage p\u00e8se fortement quand les montants sont faibles. Enfin, les d\u00e9lais varient selon les corridors, bien que la r\u00e9ception puisse parfois \u00eatre imm\u00e9diate.<\/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-c26d926 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c26d926\" 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-c2a10a8\" data-id=\"c2a10a8\" 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-16e812b elementor-widget elementor-widget-heading\" data-id=\"16e812b\" 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 promet la crypto : rapidit\u00e9 et frais r\u00e9duits<\/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-d0a57d0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d0a57d0\" 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-35aef7c\" data-id=\"35aef7c\" 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-117ebf4 elementor-widget elementor-widget-image\" data-id=\"117ebf4\" 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 data-recalc-dims=\"1\" height=\"450\" width=\"800\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/crypto-economy.com\/\/wp-content\/uploads\/2025\/07\/WesternUnionsStablecoins-1024x576.jpg?resize=800%2C450&#038;ssl=1\" title=\"\" alt=\"Remittances crypto vs Western Union\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Remittances crypto vs Western Union<\/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\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-347e2c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"347e2c2\" 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-563acc9\" data-id=\"563acc9\" 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-78caab3 elementor-widget elementor-widget-text-editor\" data-id=\"78caab3\" 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 class=\"p1\">Les solutions crypto s\u2019appuient souvent sur des <a href=\"https:\/\/www.blog.bim.finance\/en\/stablecoins-finance-traditionnelle-crypto\/\"><b>stablecoins<\/b><\/a> (par exemple USDC) pour limiter la volatilit\u00e9. Concr\u00e8tement, le sch\u00e9ma se d\u00e9roule en quatre \u00e9tapes : achat en fiat, conversion en stablecoin, transfert on-chain, cash-out local. Ce chemin permet d\u2019obtenir des r\u00e8glements en quelques minutes. De plus, les frais on-chain et les spreads peuvent \u00eatre beaucoup plus faibles que les commissions traditionnelles. Pourtant, ces \u00e9conomies ne sont pas automatiques : elles d\u00e9pendent fortement de la route choisie et de la liquidit\u00e9 locale.<\/p><p class=\"p1\">Plusieurs corridors donnent d\u00e9j\u00e0 des r\u00e9sultats probants. Par exemple, les flux entre les \u00c9tats-Unis et le Mexique montrent des gains r\u00e9els. Des acteurs comme <b>Bitso<\/b> ou des partenariats entre exchanges et prestataires locaux facilitent le cash-in et le cash-out. Par ailleurs, des exp\u00e9rimentations avec Stellar, Ripple ou des solutions ODL (On-Demand Liquidity) r\u00e9duisent le besoin de comptes pr\u00e9financ\u00e9s. Ainsi, lorsque l\u2019infrastructure locale existe, la crypto peut offrir des \u00e9conomies substantielles.<\/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-bd7d29e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd7d29e\" 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-5bc66a1\" data-id=\"5bc66a1\" 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-cf20d84 elementor-widget elementor-widget-heading\" data-id=\"cf20d84\" 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\">Les co\u00fbts cach\u00e9s \u00e0 prendre en compte<\/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-5eb52c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5eb52c4\" 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-d31ea08\" data-id=\"d31ea08\" 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-6946b2c elementor-widget elementor-widget-text-editor\" data-id=\"6946b2c\" 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 class=\"p1\">Sur le papier, la crypto semble moins ch\u00e8re. En r\u00e9alit\u00e9, il faut additionner plusieurs frais : ceux d\u2019achat du stablecoin, les frais on-chain, les spreads lors du cash-out et parfois des commissions de service. De plus, la profondeur des carnets d\u2019ordres locaux peut augmenter le prix final. En cons\u00e9quence, certains corridors peu liquides voient leur avantage s\u2019\u00e9roder. Enfin, la volatilit\u00e9 et le risque li\u00e9 \u00e0 l\u2019\u00e9metteur du stablecoin restent des facteurs \u00e0 surveiller.<\/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-ff47ee9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff47ee9\" 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-bb4a205\" data-id=\"bb4a205\" 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-fd16c83 elementor-widget elementor-widget-heading\" data-id=\"fd16c83\" 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\">Obstacles \u00e0 l\u2019adoption massive<\/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-f8e9beb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f8e9beb\" 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-e5d16fc\" data-id=\"e5d16fc\" 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-9c6784c elementor-widget elementor-widget-text-editor\" data-id=\"9c6784c\" 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 class=\"p1\">Plusieurs freins limitent l\u2019adoption de la crypto pour les remittances. D\u2019abord, l\u2019on-ramp\/off-ramp doit \u00eatre simple et peu co\u00fbteux. Ensuite, la r\u00e9glementation locale peut restreindre les rails non bancaires. De plus, la confiance des utilisateurs fait d\u00e9faut : beaucoup ne connaissent pas les wallets ou craignent les arnaques. Par ailleurs, l\u2019assistance locale et les partenaires pour cash-out sont essentiels. Sans eux, la technologie ne suffit pas.<\/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-f76cc4e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f76cc4e\" 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-a11e1d9\" data-id=\"a11e1d9\" 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-6b203a1 elementor-widget elementor-widget-heading\" data-id=\"6b203a1\" 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 quel horizon \u00e9volue le march\u00e9 ?<\/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-ca1af88 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ca1af88\" 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-908b7fd\" data-id=\"908b7fd\" 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-843c976 elementor-widget elementor-widget-text-editor\" data-id=\"843c976\" 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 class=\"p1\">L\u2019avenir passera probablement par des solutions hybrides. Les grands acteurs testent des mod\u00e8les qui combinent la s\u00e9curit\u00e9 des rails traditionnels et la vitesse de la blockchain. En parall\u00e8le, une r\u00e9gulation claire faciliterait l\u2019essor des offres crypto. Enfin, l\u2019am\u00e9lioration des on-ramps, l\u2019\u00e9ducation des utilisateurs et des partenariats locaux solides seront d\u00e9terminants pour transformer les gains potentiels en b\u00e9n\u00e9fices r\u00e9els et partag\u00e9s.<\/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-25eb822 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25eb822\" 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-df8967b\" data-id=\"df8967b\" 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-97f28f4 elementor-widget elementor-widget-heading\" data-id=\"97f28f4\" 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\">Conclusion : opportunit\u00e9 r\u00e9elle, mais adoption s\u00e9lective<\/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-1268f2d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1268f2d\" 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-ef5c44d\" data-id=\"ef5c44d\" 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-49d682a elementor-widget elementor-widget-text-editor\" data-id=\"49d682a\" 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 class=\"p1\">La crypto r\u00e9duit effectivement les co\u00fbts et acc\u00e9l\u00e8re les envois, mais seulement dans des conditions favorables. L\u00e0 o\u00f9 l\u2019infrastructure locale existe, l\u2019\u00e9conomie est tangible. En revanche, pour les corridors moins d\u00e9velopp\u00e9s, Western Union et ses pairs conservent des avantages. La vraie question n\u2019est plus uniquement <i>qui paie le moins ?<\/i> : elle devient <i>comment construire des rails fiables, r\u00e9glement\u00e9s et accessibles qui b\u00e9n\u00e9ficient \u00e0 tous ?<\/i><i><\/i><\/p><p class=\"p1\">La r\u00e9ponse n\u2019appartient pas qu\u2019aux entreprises crypto. Elle suppose une collaboration entre fintechs, banques, autorit\u00e9s et communaut\u00e9s locales. Si ce travail collectif se met en place, alors l\u2019\u00e9conomie des remittances pourrait changer durablement.<\/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-5bbf5af elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5bbf5af\" 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-09e24b0\" data-id=\"09e24b0\" 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-5fc210c elementor-widget elementor-widget-text-editor\" data-id=\"5fc210c\" 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:\/\/blog.bitso.com\/money-transfer-to-mexico-made-easy\/\">Bitso<\/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>Les remittances co\u00fbtent cher&#8230; La crypto permet-elle vraiment d&rsquo;\u00e9conomiser par rapport \u00e0 Western Union ? Analyse des co\u00fbts r\u00e9els, cas concrets et limites.<\/p>","protected":false},"author":18,"featured_media":14111,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7,63],"tags":[],"ppma_author":[145],"class_list":["post-14065","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blockchain","category-quotidien"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Crypto vs Western Union : qui paie le moins pour les remittances ? - BIM Blog<\/title>\n<meta name=\"description\" content=\"Comparez frais, rapidit\u00e9 et accessibilit\u00e9 des transferts : crypto (stablecoins) vs Western Union. 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