{"id":6820,"date":"2025-07-07T15:46:02","date_gmt":"2025-07-07T13:46:02","guid":{"rendered":"https:\/\/wigl.fr\/?post_type=academy&#038;p=6820"},"modified":"2025-07-07T16:22:30","modified_gmt":"2025-07-07T14:22:30","slug":"stablecoins","status":"publish","type":"academy","link":"https:\/\/wigl.fr\/en\/academy\/la-cryptomonnaie\/stablecoins\/","title":{"rendered":"Stablecoins : tout comprendre sur ces cryptomonnaies stables"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6820\" class=\"elementor elementor-6820\" data-elementor-post-type=\"academy\">\n\t\t\t\t<div class=\"elementor-element elementor-element-093205e e-flex e-con-boxed e-con e-parent\" data-id=\"093205e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb2341f elementor-widget elementor-widget-heading\" data-id=\"fb2341f\" 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 stablecoins sont des cryptomonnaies con\u00e7ues pour maintenir une valeur stable, souvent index\u00e9e sur une monnaie fiat comme le dollar ou l\u2019euro. A quoi servent-ils ? Comment fonctionnent-ils ? Ce dossier complet devrait vous aider \u00e0 y voir plus clair.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-048cdc2 e-flex e-con-boxed e-con e-parent\" data-id=\"048cdc2\" data-element_type=\"container\" data-e-type=\"container\" id=\"academy-article-content\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1216927 e-con-full e-flex e-con e-child\" data-id=\"1216927\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a03429 elementor-widget elementor-widget-heading\" data-id=\"3a03429\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce qu'un stablecoin ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ad18c4 elementor-widget elementor-widget-text-editor\" data-id=\"7ad18c4\" 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>Un stablecoin est <a href=\"https:\/\/wigl.fr\/en\/academy\/la-cryptomonnaie\/\">une cryptomonnaie<\/a> con\u00e7ue pour maintenir une valeur stable en \u00e9tant rattach\u00e9e \u00e0 un actif de r\u00e9f\u00e9rence, g\u00e9n\u00e9ralement une monnaie fiat comme le dollar am\u00e9ricain ou l&rsquo;euro.<\/p>\n<p>Contrairement aux cryptomonnaies traditionnelles comme Bitcoin qui connaissent une forte volatilit\u00e9, les stablecoins offrent la stabilit\u00e9 des monnaies traditionnelles tout en conservant les avantages de la <a href=\"https:\/\/wigl.fr\/en\/academy\/la-cryptomonnaie\/la-blockchain\/\">technologie blockchain.<\/a><\/p>\n<p>Les stablecoins repr\u00e9sentent aujourd&rsquo;hui un pilier fondamental de l&rsquo;\u00e9cosyst\u00e8me crypto avec une capitalisation totale de 253 milliards de dollars en juillet 2025, soit 7,38% du march\u00e9 total des cryptomonnaies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a52fcfa e-con-full e-flex e-con e-child\" data-id=\"a52fcfa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67fad52 elementor-widget elementor-widget-heading\" data-id=\"67fad52\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Les quatre grandes familles de stablecoins<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8705cd elementor-widget elementor-widget-heading\" data-id=\"f8705cd\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Fiat-collat\u00e9ralis\u00e9s<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29abdaa elementor-widget elementor-widget-text-editor\" data-id=\"29abdaa\" 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>Les stablecoins fiat-collat\u00e9ralis\u00e9s constituent la cat\u00e9gorie la plus populaire, repr\u00e9sentant 90% de l&rsquo;activit\u00e9 actuelle. Ils maintiennent leur parit\u00e9 en d\u00e9tenant des r\u00e9serves \u00e9quivalentes en monnaies fiat dans des comptes bancaires r\u00e9gul\u00e9s.<\/p>\n<p><strong>M\u00e9canisme de fonctionnement :<\/strong><\/p>\n<ul>\n<li>Pour chaque token \u00e9mis, l\u2019entreprise \u00e9mettrice d\u00e9tient 1 dollar (ou 1 euro) en r\u00e9serve<\/li>\n<li>Les utilisateurs peuvent \u00e9changer leurs tokens contre de la monnaie fiat \u00e0 tout moment<\/li>\n<li>Des audits r\u00e9guliers garantissent la transparence des r\u00e9serves<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p><strong>Exemples :<\/strong><\/p>\n<p><strong>USD Coin (USDC) :<\/strong> \u00c9mis par Circle en partenariat avec Coinbase, USDC a connu une croissance remarquable en 2024, atteignant aujourd\u2019hui une capitalisation de plus de 60 milliards de dollars. Reconnu pour sa conformit\u00e9 r\u00e9glementaire et ses audits mensuels, USDC est approuv\u00e9 par la r\u00e9glementation MiCA europ\u00e9enne (contrairement \u00e0 USDT).<\/p>\n<p><strong>Euro Coin (EURC) :<\/strong> Emis par Circle tout comme l\u2019USDC, l\u2019EURC est pour sa part adoss\u00e9 \u00e0 l\u2019euro plut\u00f4t qu\u2019au dollar. Avec une capitalisation actuelle de 205 millions de dollars, il s\u2019impose comme le stablecoin euro le plus important du march\u00e9.<\/p>\n<p><strong>Ripple USD (RLUSD) :<\/strong> Lanc\u00e9 en d\u00e9cembre 2024, ce nouveau stablecoin de Ripple fonctionne sur XRP Ledger et Ethereum, avec une capitalisation d\u00e9j\u00e0 sup\u00e9rieure \u00e0 450 millions de dollars.<\/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-94a48c0 elementor-widget elementor-widget-heading\" data-id=\"94a48c0\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Crypto-collat\u00e9ralis\u00e9s<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3558b7d elementor-widget elementor-widget-text-editor\" data-id=\"3558b7d\" 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>Les stablecoins crypto-collat\u00e9ralis\u00e9s utilisent d&rsquo;autres cryptomonnaies comme garantie, n\u00e9cessitant une sur-collat\u00e9ralisation pour compenser la volatilit\u00e9 des actifs sous-jacents.<\/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-eb3de5d elementor-widget elementor-widget-heading\" data-id=\"eb3de5d\" 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<h5 class=\"elementor-heading-title elementor-size-default\">DAI : L'exemple phare de la d\u00e9centralisation<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3841253 elementor-widget elementor-widget-text-editor\" data-id=\"3841253\" 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>DAI, \u00e9mis par le protocole de <a href=\"https:\/\/wigl.fr\/en\/academy\/la-cryptomonnaie\/la-defi\/\">finance d\u00e9centralis\u00e9e<\/a> Maker, repr\u00e9sente l&rsquo;innovation en mati\u00e8re de stablecoins d\u00e9centralis\u00e9s. Chaque DAI est soutenu par des cryptomonnaies (ETH, WBTC, USDC, USDT\u2026) verrouill\u00e9es dans des smart contracts appel\u00e9s \u00ab\u00a0Maker Vaults\u00a0\u00bb.<\/p>\n<p>Maker a r\u00e9cemment op\u00e9r\u00e9 un rebranding pour devenir <a href=\"https:\/\/sky.money\/\">Sky<\/a>. Le DAI a \u00e9galement \u00e9volu\u00e9 avec un nouveau stablecoin USDS, fonctionnant sensiblement de la m\u00eame fa\u00e7on.<\/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-8035e64 elementor-widget elementor-widget-heading\" data-id=\"8035e64\" 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<h5 class=\"elementor-heading-title elementor-size-default\">LUSD : Back\u00e9 par de l\u2019ETH<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a99c95a elementor-widget elementor-widget-text-editor\" data-id=\"a99c95a\" 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>D\u00e9velopp\u00e9 par <a href=\"https:\/\/www.liquity.org\/\">Liquity<\/a>, LUSD fonctionne avec un ratio de collat\u00e9ralisation minimum de 110% en ETH, offrant plus d&rsquo;efficacit\u00e9 capitale mais avec des risques de liquidation plus \u00e9lev\u00e9s.<\/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-4d1b9a1 elementor-widget elementor-widget-heading\" data-id=\"4d1b9a1\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Algorithmiques<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24d06c2 elementor-widget elementor-widget-text-editor\" data-id=\"24d06c2\" 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>Les stablecoins algorithmiques tentent de maintenir leur parit\u00e9 sans r\u00e9serves compl\u00e8tes, utilisant des algorithmes pour ajuster automatiquement l&rsquo;offre selon la demande.<\/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-0eca02b elementor-widget elementor-widget-heading\" data-id=\"0eca02b\" 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<h5 class=\"elementor-heading-title elementor-size-default\">FRAX : Le mod\u00e8le fractionnaire-algorithmique<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cebe38 elementor-widget elementor-widget-text-editor\" data-id=\"4cebe38\" 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>FRAX innove avec un m\u00e9canisme fractionnaire-algorithmique qui combine r\u00e9serves partielles et ajustements algorithmiques. Le ratio de collat\u00e9ralisation s&rsquo;adapte dynamiquement :<\/p>\n<ul>\n<li>Si FRAX &gt; 1$ : diminution du ratio de collat\u00e9ralisation<\/li>\n<li>Si FRAX &lt; 1$ : augmentation du ratio de collat\u00e9ralisation<\/li>\n<\/ul>\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-994ffd0 elementor-widget elementor-widget-heading\" data-id=\"994ffd0\" 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<h5 class=\"elementor-heading-title elementor-size-default\">L'effondrement de Terra UST\/Luna<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67f209d elementor-widget elementor-widget-text-editor\" data-id=\"67f209d\" 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>L&rsquo;effondrement de Mai 2022 de TerraUSD (UST) et Luna illustre parfaitement les risques des stablecoins algorithmiques. En quelques jours, plusieurs dizaines de milliards de dollars de capitalisation se sont \u00e9vapor\u00e9s, UST chutant \u00e0 quelques centimes et Luna perdant 99% de sa valeur. Tout cela \u00e0 cause du m\u00e9canisme de stabilit\u00e9 de l\u2019UST :<\/p>\n<ul>\n<li>Prix UST &lt; 1$ \u2192 Burn UST + Cr\u00e9ation LUNA<\/li>\n<li>Prix UST &gt; 1$ \u2192 Burn LUNA + Cr\u00e9ation UST<\/li>\n<li><strong>Spirale destructrice :<\/strong> Vente massive UST \u2192 Hyperinflation LUNA \u2192 Effondrement<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>Cette catastrophe a soulign\u00e9 les risques syst\u00e9miques des mod\u00e8les purement algorithmiques face aux chocs de march\u00e9 extr\u00eames. Depuis ce jour, les stablecoins algorithmiques ne sont plus beaucoup utilis\u00e9s.<\/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-a1672d0 elementor-widget elementor-widget-heading\" data-id=\"a1672d0\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Mati\u00e8res premi\u00e8res<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e03326 elementor-widget elementor-widget-text-editor\" data-id=\"9e03326\" 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>Les stablecoins adoss\u00e9s aux mati\u00e8res premi\u00e8res offrent une exposition num\u00e9rique aux actifs physiques, principalement l&rsquo;or.<\/p>\n<p><strong>Paxos Gold (PAXG) :<\/strong> Chaque token PAXG repr\u00e9sente une once troy d&rsquo;or physique stock\u00e9e dans des coffres LBMA certifi\u00e9s et g\u00e9r\u00e9s par Brink&rsquo;s. Les d\u00e9tenteurs peuvent :<\/p>\n<ul>\n<li>\u00c9changer PAXG contre de l&rsquo;or physique<\/li>\n<li>B\u00e9n\u00e9ficier d&rsquo;une couverture contre l&rsquo;inflation<\/li>\n<li>Transf\u00e9rer de l&rsquo;or num\u00e9riquement 24h\/24<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p><strong>Tether Gold (XAUT) :<\/strong> \u00c9galement adoss\u00e9 \u00e0 l\u2019or, XAUT combine avec PAXG plus de 1,7 milliard de dollars de capitalisation dans le secteur des stablecoins adoss\u00e9s aux mati\u00e8res premi\u00e8res.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02cc00b e-con-full e-flex e-con e-child\" data-id=\"02cc00b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbd61d2 elementor-widget elementor-widget-heading\" data-id=\"dbd61d2\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Comment est assur\u00e9e la stabilit\u00e9 d'un stablecoin ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed2a515 elementor-widget elementor-widget-heading\" data-id=\"ed2a515\" 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<h4 class=\"elementor-heading-title elementor-size-default\">R\u00e9serves et rachats (Fiat-collat\u00e9ralis\u00e9s)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdf7604 elementor-widget elementor-widget-text-editor\" data-id=\"fdf7604\" 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>Pour les stablecoins adoss\u00e9s \u00e0 des monnaies fiat comme l\u2019USDC ou l\u2019EURC, la stabilit\u00e9 est assur\u00e9e par un syst\u00e8me de r\u00e9serves et de rachats. Chaque token en circulation est cens\u00e9 \u00eatre garanti par un actif \u00e9quivalent (souvent en dollars ou en euros) d\u00e9tenu en r\u00e9serve par une entit\u00e9 centralis\u00e9e.<\/p>\n<p>Lorsque le prix du stablecoin descend sous 1 dollar, les arbitrageurs peuvent l\u2019acheter \u00e0 bas prix, puis le revendre contre 1 dollar aupr\u00e8s de l\u2019\u00e9metteur, r\u00e9alisant ainsi un profit. Ce m\u00e9canisme pousse naturellement le prix \u00e0 remonter vers l\u2019ancrage de 1 $. \u00c0 l\u2019inverse, si le stablecoin d\u00e9passe les 1 $, de nouveaux tokens peuvent \u00eatre \u00e9mis et vendus \u00e0 ce prix \u00e9lev\u00e9, ce qui exerce une pression \u00e0 la baisse et r\u00e9tablit l\u2019\u00e9quilibre.<\/p>\n<p><!-- \/wp:paragraph --><\/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-7dd4724 elementor-widget elementor-widget-heading\" data-id=\"7dd4724\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Liquidations automatiques (Crypto-collat\u00e9ralis\u00e9s)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce79c43 elementor-widget elementor-widget-text-editor\" data-id=\"ce79c43\" 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>Les stablecoins comme le DAI reposent sur des cryptoactifs volatils comme garantie, n\u00e9cessitant une surcollat\u00e9ralisation. Par exemple, pour \u00e9mettre 200 DAI, un utilisateur doit d\u00e9poser l\u2019\u00e9quivalent de 300 $ en ETH, soit un ratio de 150 %.<\/p>\n<p>Si la valeur du collat\u00e9ral chute (par exemple si l\u2019ETH passe de 300 $ \u00e0 250 $), une partie de la position est automatiquement liquid\u00e9e pour maintenir ce ratio de s\u00e9curit\u00e9. Ce m\u00e9canisme prot\u00e8ge la parit\u00e9 du DAI face au dollar et limite les risques de d\u00e9stabilisation.<\/p>\n<p><!-- \/wp:paragraph --><\/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-7f1f83e elementor-widget elementor-widget-heading\" data-id=\"7f1f83e\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Ajustements d'offre (Algorithmiques)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3609e72 elementor-widget elementor-widget-text-editor\" data-id=\"3609e72\" 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>Les stablecoins algorithmiques, comme FRAX, utilisent des syst\u00e8mes automatis\u00e9s pour ajuster l\u2019offre en fonction de la demande. Le protocole FRAX s\u2019appuie sur les Algorithmic Market Operations (AMO), qui surveillent en permanence le prix du stablecoin et interviennent automatiquement sur les pools de liquidit\u00e9.<\/p>\n<p>Ces op\u00e9rations peuvent inclure l\u2019injection ou le retrait de liquidit\u00e9s, l\u2019ajustement du taux de collat\u00e9ralisation ou des m\u00e9canismes algorithmiques sp\u00e9cifiques pour maintenir le prix au plus proche de la valeur cible (g\u00e9n\u00e9ralement 1 $). C\u2019est une approche plus d\u00e9centralis\u00e9e, mais souvent plus complexe et risqu\u00e9e que les mod\u00e8les pr\u00e9c\u00e9dents.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d6937f e-con-full e-flex e-con e-child\" data-id=\"5d6937f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40882a8 elementor-widget elementor-widget-heading\" data-id=\"40882a8\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Stablecoins vs euros<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70f22ad elementor-widget elementor-widget-text-editor\" data-id=\"70f22ad\" 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<table style=\"width: 100%; border-collapse: collapse; text-align: left;\">\n  <thead>\n    <tr>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">&nbsp;<\/th>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">Stablecoins<\/th>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">Compte bancaire<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Co\u00fbt de transfert<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">0,1\u20130,5%<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">3\u20135% international<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Vitesse<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Instantan\u00e9<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">1\u20133 jours ouvr\u00e9s<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Disponibilit\u00e9<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">24h\/24 7j\/7<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Heures bancaires<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Acc\u00e8s DeFi<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Oui<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Non<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">R\u00e9glementation<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">En d\u00e9veloppement<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">\u00c9tablie<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Assurance d\u00e9p\u00f4ts<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Non<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Oui (jusqu&rsquo;\u00e0 100k\u20ac)<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\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-da2f7b5 elementor-widget elementor-widget-heading\" data-id=\"da2f7b5\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Avantages des stablecoins<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc52474 elementor-widget elementor-widget-text-editor\" data-id=\"fc52474\" 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>Co\u00fbts r\u00e9duits :<\/strong> Les transferts internationaux co\u00fbtent en moyenne 0,1% \u00e0 0,3% avec les stablecoins contre 3% \u00e0 5% via les banques traditionnelles.<\/p>\n<p><strong>Rapidit\u00e9 :<\/strong> R\u00e8glement quasi-instantan\u00e9 contre 2-5 jours pour les virements SWIFT internationaux.<\/p>\n<p><strong>Accessibilit\u00e9 :<\/strong> 2 milliards de personnes non bancaris\u00e9es peuvent acc\u00e9der aux services financiers via un simple smartphone.<\/p>\n<p><!-- \/wp:paragraph --><\/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-5c407b4 elementor-widget elementor-widget-heading\" data-id=\"5c407b4\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Limites par rapport aux comptes bancaires<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9de4095 elementor-widget elementor-widget-text-editor\" data-id=\"9de4095\" 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>Assurance :<\/strong> Absence de garantie des d\u00e9p\u00f4ts contrairement aux 100 000\u20ac prot\u00e9g\u00e9s par le FGDR en France.<\/p>\n<p><strong>R\u00e9glementation :<\/strong> Environnement juridique encore en construction, notamment avec l&rsquo;arriv\u00e9e de MiCA en Europe depuis d\u00e9cembre 2024.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a68098c e-con-full e-flex e-con e-child\" data-id=\"a68098c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-830e661 elementor-widget elementor-widget-heading\" data-id=\"830e661\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Quels risques pour les utilisateurs ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57f0ace elementor-widget elementor-widget-text-editor\" data-id=\"57f0ace\" 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<table style=\"width: 100%; border-collapse: collapse; text-align: left;\">\n  <thead>\n    <tr>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">Type de risque<\/th>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">Description<\/th>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">Impact<\/th>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">Mitigation<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">D\u00e9-peg<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Perte du rattachement au dollar\/euro<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">\u00c9lev\u00e9<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Diversification, monitoring<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Contrepartie<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">D\u00e9faillance de l\u2019\u00e9metteur ou des r\u00e9serves<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Tr\u00e8s \u00e9lev\u00e9<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Choisir des \u00e9metteurs r\u00e9gul\u00e9s<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Smart contract<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Bugs ou exploits dans le code<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">\u00c9lev\u00e9<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Audits, protocoles \u00e9tablis<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">R\u00e9glementaire<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Changements l\u00e9gislatifs d\u00e9favorables<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Moyen \u00e0 \u00e9lev\u00e9<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Veille r\u00e9glementaire<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Liquidit\u00e9<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Difficult\u00e9s d\u2019\u00e9change ou de rachat<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Moyen<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Conna\u00eetre les plateformes d\u2019\u00e9changes listant le stablecoin<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\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-31a847c elementor-widget elementor-widget-heading\" data-id=\"31a847c\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Risques de d\u00e9-peg<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-130d74e elementor-widget elementor-widget-text-editor\" data-id=\"130d74e\" 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>Les \u00e9v\u00e9nements de d\u00e9-peg peuvent \u00eatre d\u00e9clench\u00e9s par plusieurs facteurs :<\/p>\n<ul>\n<li><strong>Volatilit\u00e9 de march\u00e9 :<\/strong> Stress liquidit\u00e9s lors de krachs<\/li>\n<li><strong>Perte de confiance :<\/strong> Doutes sur les r\u00e9serves ou la gestion<\/li>\n<li><strong>D\u00e9faillances techniques :<\/strong> Bugs dans les smart contracts<\/li>\n<li><strong>Changements r\u00e9glementaires :<\/strong> Restrictions gouvernementales<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>L&rsquo;exemple d&rsquo;USDC en mars 2023 illustre ces risques : le token a bri\u00e8vement perdu sa parit\u00e9 suite \u00e0 l&rsquo;exposition de Circle \u00e0 la Silicon Valley Bank, chutant temporairement sous 0,90$.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bd3be9 e-con-full e-flex e-con e-child\" data-id=\"1bd3be9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fdffcc2 elementor-widget elementor-widget-heading\" data-id=\"fdffcc2\" 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<h3 class=\"elementor-heading-title elementor-size-default\">G\u00e9n\u00e9rer du rendement sur Wigl gr\u00e2ce aux stablecoins<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0441c1c elementor-widget elementor-widget-text-editor\" data-id=\"0441c1c\" 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>Gr\u00e2ce \u00e0 l\u2019<a href=\"https:\/\/wigl.fr\/en\/get-the-app\/\">application Wigl<\/a>, vous pouvez mettre vos stablecoins \u00e0 profit et g\u00e9n\u00e9rer du rendement de fa\u00e7on simple et s\u00e9curis\u00e9e <a href=\"https:\/\/wigl.fr\/en\/les-coffres-wigl\/\">dans les coffres<\/a>. Contrairement \u00e0 l\u2019argent laiss\u00e9 sur un compte bancaire classique, souvent peu ou pas r\u00e9mun\u00e9r\u00e9, les stablecoins peuvent \u00eatre plac\u00e9s dans des strat\u00e9gies de rendement issues de la finance d\u00e9centralis\u00e9e \u2014 et c\u2019est pr\u00e9cis\u00e9ment ce que Wigl fait pour vous \u00e0 travers ses coffres.<br \/>Ces m\u00e9canismes permettent de percevoir un revenu passif tout en limitant l\u2019exposition \u00e0 la volatilit\u00e9, gr\u00e2ce \u00e0 la stabilit\u00e9 intrins\u00e8que des stablecoins.<\/p>\n<p>Bien entendu, ces opportunit\u00e9s comportent certains risques (li\u00e9s aux smart contracts, \u00e0 la liquidit\u00e9 ou \u00e0 la variation des taux), mais Wigl s\u00e9lectionne avec soin les protocoles partenaires afin de vous proposer des solutions \u00e0 la fois accessibles et s\u00e9curis\u00e9es. Une mani\u00e8re intelligente de faire travailler vos euros num\u00e9riques, tout en gardant le contr\u00f4le.<\/p>\n<p>L&rsquo;\u00e9volution r\u00e9glementaire avec MiCA en Europe et l&rsquo;innovation continue des protocoles DeFi ouvrent de nouvelles perspectives pour 2025. Les stablecoins deviennent un outil financier incontournable pour optimiser les transferts, se prot\u00e9ger de l&rsquo;inflation et g\u00e9n\u00e9rer des rendements.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"featured_media":6842,"parent":4035,"menu_order":0,"template":"","academy_category":[],"academy_tag":[34],"class_list":["post-6820","academy","type-academy","status-publish","has-post-thumbnail","hentry","academy_tag-cryptomonnaies"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Stablecoins : tout comprendre sur ces cryptomonnaies stables<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wigl.fr\/en\/academy\/la-cryptomonnaie\/stablecoins\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stablecoins : tout comprendre sur ces cryptomonnaies stables\" \/>\n<meta property=\"og:description\" content=\"Les stablecoins sont des cryptomonnaies con\u00e7ues pour maintenir une valeur stable, souvent index\u00e9e sur une monnaie fiat comme le dollar ou l\u2019euro. A quoi servent-ils ? Comment fonctionnent-ils ? Ce dossier complet devrait vous aider \u00e0 y voir plus clair. Qu&rsquo;est-ce qu&rsquo;un stablecoin ? Un stablecoin est une cryptomonnaie con\u00e7ue pour maintenir une valeur stable [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wigl.fr\/en\/academy\/la-cryptomonnaie\/stablecoins\/\" \/>\n<meta property=\"og:site_name\" content=\"Wigl\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/WiglApp\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-07T14:22:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wigl.fr\/wp-content\/uploads\/ChatGPT-Image-7-juil.-2025-21_45_27-1024x683.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@WiglApp\" \/>\n<meta name=\"twitter:label1\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" 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A quoi servent-ils ? Comment fonctionnent-ils ? Ce dossier complet devrait vous aider \u00e0 y voir plus clair. Qu&rsquo;est-ce qu&rsquo;un stablecoin ? Un stablecoin est une cryptomonnaie con\u00e7ue pour maintenir une valeur stable [&hellip;]","og_url":"https:\/\/wigl.fr\/en\/academy\/la-cryptomonnaie\/stablecoins\/","og_site_name":"Wigl","article_publisher":"https:\/\/www.facebook.com\/WiglApp","article_modified_time":"2025-07-07T14:22:30+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/wigl.fr\/wp-content\/uploads\/ChatGPT-Image-7-juil.-2025-21_45_27-1024x683.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_site":"@WiglApp","twitter_misc":{"Estimated reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/wigl.fr\/academy\/la-cryptomonnaie\/stablecoins\/","url":"https:\/\/wigl.fr\/academy\/la-cryptomonnaie\/stablecoins\/","name":"Stablecoins : tout comprendre sur ces cryptomonnaies stables","isPartOf":{"@id":"https:\/\/wigl.fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/wigl.fr\/academy\/la-cryptomonnaie\/stablecoins\/#primaryimage"},"image":{"@id":"https:\/\/wigl.fr\/academy\/la-cryptomonnaie\/stablecoins\/#primaryimage"},"thumbnailUrl":"https:\/\/wigl.fr\/wp-content\/uploads\/ChatGPT-Image-7-juil.-2025-21_45_27.png","datePublished":"2025-07-07T13:46:02+00:00","dateModified":"2025-07-07T14:22:30+00:00","breadcrumb":{"@id":"https:\/\/wigl.fr\/academy\/la-cryptomonnaie\/stablecoins\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/wigl.fr\/academy\/la-cryptomonnaie\/stablecoins\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/wigl.fr\/academy\/la-cryptomonnaie\/stablecoins\/#primaryimage","url":"https:\/\/wigl.fr\/wp-content\/uploads\/ChatGPT-Image-7-juil.-2025-21_45_27.png","contentUrl":"https:\/\/wigl.fr\/wp-content\/uploads\/ChatGPT-Image-7-juil.-2025-21_45_27.png","width":1536,"height":1024},{"@type":"BreadcrumbList","@id":"https:\/\/wigl.fr\/academy\/la-cryptomonnaie\/stablecoins\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Academy","item":"https:\/\/wigl.fr\/academy\/"},{"@type":"ListItem","position":2,"name":"Cryptomonnaie","item":"https:\/\/wigl.fr\/academy\/la-cryptomonnaie\/"},{"@type":"ListItem","position":3,"name":"Actif num\u00e9rique vs Cryptomonnaie"}]},{"@type":"WebSite","@id":"https:\/\/wigl.fr\/#website","url":"https:\/\/wigl.fr\/","name":"Wigl","description":"Mes paiements Euro et Crypto","publisher":{"@id":"https:\/\/wigl.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/wigl.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/wigl.fr\/#organization","name":"Wigl","url":"https:\/\/wigl.fr\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/wigl.fr\/#\/schema\/logo\/image\/","url":"https:\/\/wigl.fr\/wp-content\/uploads\/wigl-crypto.png","contentUrl":"https:\/\/wigl.fr\/wp-content\/uploads\/wigl-crypto.png","width":150,"height":150,"caption":"Wigl"},"image":{"@id":"https:\/\/wigl.fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/WiglApp","https:\/\/x.com\/WiglApp","https:\/\/discord.com\/invite\/wigl-official","https:\/\/www.linkedin.com\/company\/wiglapp\/","https:\/\/www.instagram.com\/wigl_fr\/"]}]}},"_links":{"self":[{"href":"https:\/\/wigl.fr\/en\/wp-json\/wp\/v2\/academy\/6820","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wigl.fr\/en\/wp-json\/wp\/v2\/academy"}],"about":[{"href":"https:\/\/wigl.fr\/en\/wp-json\/wp\/v2\/types\/academy"}],"version-history":[{"count":20,"href":"https:\/\/wigl.fr\/en\/wp-json\/wp\/v2\/academy\/6820\/revisions"}],"predecessor-version":[{"id":6841,"href":"https:\/\/wigl.fr\/en\/wp-json\/wp\/v2\/academy\/6820\/revisions\/6841"}],"up":[{"embeddable":true,"href":"https:\/\/wigl.fr\/en\/wp-json\/wp\/v2\/academy\/4035"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wigl.fr\/en\/wp-json\/wp\/v2\/media\/6842"}],"wp:attachment":[{"href":"https:\/\/wigl.fr\/en\/wp-json\/wp\/v2\/media?parent=6820"}],"wp:term":[{"taxonomy":"academy_category","embeddable":true,"href":"https:\/\/wigl.fr\/en\/wp-json\/wp\/v2\/academy_category?post=6820"},{"taxonomy":"academy_tag","embeddable":true,"href":"https:\/\/wigl.fr\/en\/wp-json\/wp\/v2\/academy_tag?post=6820"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}