{"id":1973,"date":"2023-12-07T00:02:54","date_gmt":"2023-12-06T23:02:54","guid":{"rendered":"https:\/\/www.ceres-advisory.io\/?p=1973"},"modified":"2024-01-09T10:16:36","modified_gmt":"2024-01-09T09:16:36","slug":"comment-mettre-en-oeuvre-un-smart-account","status":"publish","type":"post","link":"https:\/\/www.ceres-advisory.io\/index.php\/2023\/12\/07\/comment-mettre-en-oeuvre-un-smart-account\/","title":{"rendered":"Comment mettre en \u0153uvre un Smart Account"},"content":{"rendered":"

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Qu’est-ce qu’un Smart Account ?<\/strong><\/h3>\n

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Hassan\u00a0:<\/em><\/strong><\/p>\n

\u00ab Un smart account (dans le sens d\u2019un compte bancaire) est la repr\u00e9sentation sur une blockchain d\u2019un compte de d\u00e9p\u00f4t (ou d\u2019\u00e9pargne) d\u00e9centralis\u00e9. Ce smart account va donc b\u00e9n\u00e9ficier de la transparence de la blockchain, de la s\u00e9curit\u00e9 d\u2019un registre de donn\u00e9e distribu\u00e9, tout en restant sous le contr\u00f4le de son propri\u00e9taire. De plus l\u2019usage des smart contracts permet d\u2019automatiser son utilisation au quotidien tout en assurant \u00e0 ce dernier un contr\u00f4le pr\u00e9cis par son propri\u00e9taire. Par exemple, un utilisateur pourra d\u00e9cider que son d\u00e9p\u00f4t ne puisse \u00eatre engag\u00e9 que dans le d\u00e9veloppement d\u2019entreprises solidaires.<\/p>\n

On peut \u00e9largir ce concept \u00e0 l\u2019ensemble des produits traditionnels du secteur bancaire comme les d\u00e9p\u00f4ts \u00e0 terme, les cr\u00e9dits immobiliers et les cr\u00e9dits \u00e0 la consommation et financier, et tr\u00e8s rapidement se rapprocher des services offerts par la finance d\u00e9centralis\u00e9e, aussi appel\u00e9 DeFi. Enfin, la tokenisation permet de traduire aussi des actions et obligations en jetons num\u00e9riques, augmentant ainsi la transparence, la transf\u00e9rabilit\u00e9 et la s\u00e9curit\u00e9. \u00bb<\/p>\n

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Peux-tu nous dire plus sur la crise de confiance dans le secteur bancaire ?<\/strong><\/h3>\n

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Hassan\u00a0:<\/em><\/strong><\/p>\n

\u00ab Le secteur bancaire est de plus en plus soumis \u00e0 des crises de confiance, et bien qu\u2019il se soit toujours remit ce des derni\u00e8res les consommateurs sont en qu\u00eate de solutions qui leur permettrait de se passer de ces acteurs traditionnels. Loin de la vision antagoniste entre la d\u00e9centralisation et le banquier, il y a au contraire une histoire int\u00e9ressante \u00e0 \u00e9crire afin de rapprocher le banquier de ces technologies, et ce, afin de gagner en transparence, et en s\u00e9curit\u00e9, tout en permettant \u00e0 l\u2019utilisateur une meilleure autonomie et contr\u00f4le sur ses fonds et d\u00e9p\u00f4ts.<\/p>\n

Il faut noter qu\u2019\u00e0 date, le secteur bancaire a \u00e9t\u00e9 peu enclin \u00e0 adopter les technologies, et ce, pour diverses raisons.<\/p>\n

    \n
  1. \n
      \n
    1. Incertitude r\u00e9glementaire <\/strong>: la technologie blockchain et les crypto-monnaies \u00e9tant encore relativement nouvelles et non test\u00e9es \u00e0 grande \u00e9chelle, les r\u00e9gulateurs sont prudents quant \u00e0 leur impact sur le syst\u00e8me financier et se montre tr\u00e8s m\u00e9fiants et protecteurs. Le r\u00e8glement MiCA sign\u00e9 en 2023 en Europe pourrait changer la donne.<\/li>\n
    2. \u00c9ducation technologique : <\/strong>nous devons assurer une acculturation et une compr\u00e9hension plus larges de ces technologies, et ce au sein m\u00eames des professionnels de l’industrie, en partant sur une approche \u00ab par l\u2019usage \u00bb d\u00e9montrant les apports.<\/li>\n
    3. Besoin d’interop\u00e9rabilit\u00e9 <\/strong>: La r\u00e9alisation de l’interop\u00e9rabilit\u00e9 entre diff\u00e9rents r\u00e9seaux de blockchain peut s’av\u00e9rer difficile et n\u00e9cessiter d’importants efforts de coordination et de normalisation. Bien que des solutions soient d\u00e9sormais disponibles (par exemple le protocole de communication inter-blockchain de Cosmos), ces derni\u00e8res ne sont pas encore assez largement d\u00e9ploy\u00e9es.<\/li>\n
    4. D\u00e9fis techniques li\u00e9s \u00e0 l’\u00e9volutivit\u00e9, \u00e0 la protection de la vie priv\u00e9e et \u00e0 la s\u00e9curit\u00e9 <\/strong>: Les r\u00e9seaux blockchain actuels ont des limites en termes de nombre de transactions qu’ils peuvent traiter par seconde, et la nature publique de la blockchain peut soulever des inqui\u00e9tudes quant \u00e0 la protection de la vie priv\u00e9e et des donn\u00e9es sensibles. Bien qu’il existe des solutions (blockchain priv\u00e9es), celles-ci pr\u00e9sentent des limitations, comme une protection contre la censure et au piratage limit\u00e9s, li\u00e9 au faible niveau de d\u00e9centralisation de ces r\u00e9seaux de n\u0153uds. \u00bb<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n

      [\/et_pb_text][et_pb_divider show_divider=\u00a0\u00bboff\u00a0\u00bb _builder_version=\u00a0\u00bb4.21.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.21.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.21.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.21.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

      Pourquoi un Smart Account peut-il \u00eatre un catalyseur dans la relation bancaire ?<\/b><\/h3>\n

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      Hassan\u00a0: <\/em><\/strong><\/p>\n

      \u00ab Dans le monde de la banque de d\u00e9tail et de la banque commerciale, les comptes courants (\u00e9galement appel\u00e9s comptes de d\u00e9p\u00f4t) jouent un r\u00f4le essentiel dans le fonctionnement de la banque et de l’\u00e9conomie en g\u00e9n\u00e9ral. Ils constituent une source de fonds, g\u00e9n\u00e8rent des revenus r\u00e9currents, permettent d’\u00e9tablir des relations avec les clients, facilitent les transactions interbancaires et assurent aux banques une r\u00e9serve de liquidit\u00e9s non n\u00e9gligeable. Il semble donc que ces comptes courants doivent \u00eatre au centre des pr\u00e9occupations des banques afin de regagner la confiance de leurs clients.<\/p>\n

      Une r\u00e9cente \u00e9tude d\u00e9montre que les banques traditionnelles perdent des clients au profit des n\u00e9o-banques et des fintechs qui ont fait leur entr\u00e9e dans le domaine bancaire il y a d\u00e9sormais presque 10 ans. En 2022, c\u2019est ainsi plus de 68 millions de consommateurs am\u00e9ricains qui ont d\u00e9clar\u00e9 avoir un compte bancaire aupr\u00e8s de ces acteurs (par exemple, Chime, Sofy), 30 millions d’entre eux utilisant ces solutions en tant que banque principale. Il n’est pas surprenant de voir une telle bataille autour de ce produit, car il est au centre de la relation client et constitue un gigantesque r\u00e9servoir de donn\u00e9es clients qualifi\u00e9es (par exemple via les transactions de paiement par carte bancaires, les op\u00e9rations sur les comptes, mais aussi les pr\u00eats et cr\u00e9dits).<\/p>\n

      Quant aux clients, ils choisissent les n\u00e9o-banques et les fintechs pour obtenir un acc\u00e8s plus facile \u00e0 leurs comptes, des solutions de paiement instantan\u00e9es, pour acc\u00e9der \u00e0 des frais de gestion r\u00e9duit (et tr\u00e8s souvent m\u00eame nuls) et pour g\u00e9rer les donn\u00e9es de leurs comptes en temps r\u00e9el.<\/p>\n

      S’il y a une chose pour laquelle la blockchain est excellente, c’est pour s\u00e9curiser les op\u00e9rations, am\u00e9liorer l’exp\u00e9rience de paiement et permettre une gestion transparente des donn\u00e9es et des transactions. \u00bb<\/p>\n

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      Concr\u00e8tement comment mettre en \u0153uvre un Smart Account ?<\/b><\/h3>\n

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      Hassan\u00a0: <\/em><\/strong><\/p>\n

      \u00ab Cr\u00e9ation du compte intelligent <\/strong>: Ce processus est tr\u00e8s similaire \u00e0 l’ouverture d’un compte bancaire num\u00e9rique. Cependant, les donn\u00e9es seront stock\u00e9es et sauvegard\u00e9es sur un contrat intelligent qui g\u00e8rera de mani\u00e8re autonome toutes les conditions requises pour ouvrir le compte. Au cours du processus, un actif num\u00e9rique d\u00e9centralis\u00e9 (exemple un jeton non fongible dit \u00ab\u00a0NFT\u00a0\u00bb) ou tout autre actif num\u00e9rique pourrait \u00eatre utilis\u00e9 pour simplifier les exigences KYC au niveau des op\u00e9rations bancaires.<\/p>\n

      Dans le cadre du processus, le client s\u00e9lectionnera ses devises de d\u00e9p\u00f4ts et de transactions parmi les choix suivants : fiat (c’est-\u00e0-dire euro ou dollar), cryptocurrency (c’est-\u00e0-dire bitcoin ou ethereum), ou stablecoin (c’est-\u00e0-dire USDT, EUROC).<\/p>\n

      Gr\u00e2ce au contrat intelligent, le client est autonome dans la gestion de son compte, y compris sa fermeture. Le contrat intelligent est capable de g\u00e9rer les conditions de fermeture, y compris de la maintenir ouverture le temps que les paiements en suspens soient trait\u00e9es et reconcili\u00e9s.<\/p>\n

      Gestion des d\u00e9p\u00f4ts intelligents <\/strong>: Une fois l’inscription termin\u00e9e, le client peut g\u00e9rer ses fonds via son application bancaire. Le consommateur peut opter pour un d\u00e9p\u00f4t \u00e0 dur\u00e9e d\u00e9termin\u00e9e ou ind\u00e9termin\u00e9e sur son compte. La banque cr\u00e9e alors un contrat intelligent li\u00e9 au compte intelligent qui enregistre les conditions du d\u00e9p\u00f4t, telles que le taux d’int\u00e9r\u00eat, le montant du d\u00e9p\u00f4t, et sa date d’\u00e9ch\u00e9ance.<\/p>\n

      Le client pourrait aussi choisir la mani\u00e8re dont ces fonds pourront \u00eatre utilis\u00e9s par la banque dans le financement de l’\u00e9conomie r\u00e9elle (par secteur, industrie, niveau de risque,…).<\/p>\n

      Une fois l\u2019enregistrement du contrat intelligent finalis\u00e9 sur la blockchain ce dernier op\u00e8re de mani\u00e8re autonome pour les op\u00e9rations et le traitement des int\u00e9r\u00eats. Tant que les conditions de cl\u00f4ture du contrat ne sont pas remplies, ni la banque ni le client ne peuvent interrompre le processus. \u00c0 la date d’\u00e9ch\u00e9ance, le contrat intelligent d\u00e9bloque les fonds initiaux et les int\u00e9r\u00eats courus sont remis au propri\u00e9taire du compte.<\/p>\n

      Extension des services <\/strong>: Le compte intelligent \u00e9tant li\u00e9 \u00e0 une blockchain, la banque pourrait facilement \u00e9tendre le domaine des services fournis, y compris \u00e0 des produits de la finance d\u00e9centralis\u00e9e. Bien que ce ne soit pas l’objet du pr\u00e9sent document, le banquier pourrait fournir aux consommateurs des services \u00e0 valeur ajout\u00e9es (exemple staking), et in-fine repr\u00e9senter pour la banque des sources de revenus compl\u00e9mentaires. Il existe des centaines de solutions d\u00e9j\u00e0 en place qui peuvent \u00eatre facilement connect\u00e9es \u00e0 un compte intelligent bas\u00e9 sur la blockchain. \u00bb<\/p>\n

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      Un projet ? Une probl\u00e9matique ?<\/p>\n

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      Hassan El Bakkali, Directeur Associ\u00e9 chez Ceres Advisory<\/em><\/p>\n

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      Qu’est-ce qu’un Smart Account ?Hassan\u00a0: \u00ab Un smart account (dans le sens d\u2019un compte bancaire) est la repr\u00e9sentation sur une blockchain d\u2019un compte de d\u00e9p\u00f4t (ou d\u2019\u00e9pargne) d\u00e9centralis\u00e9. Ce smart account va donc b\u00e9n\u00e9ficier de la transparence de la blockchain, de la s\u00e9curit\u00e9 d\u2019un registre de donn\u00e9e distribu\u00e9, tout en restant sous le contr\u00f4le de […]<\/p>\n","protected":false},"author":4,"featured_media":1989,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[7],"tags":[],"class_list":["post-1973","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article"],"yoast_head":"\nComment Mettre en \u0153uvre un Smart Account \u2013 Ceres Advisory<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez dans ce podcast comment mettre en \u0153uvre un Smart Account en diff\u00e9rentes \u00e9tapes \u2013 Ceres Advisory \u2013 Cabinet de Conseil en Blockchain & Web3\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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