{"id":2608,"date":"2025-01-06T11:59:51","date_gmt":"2025-01-06T10:59:51","guid":{"rendered":"https:\/\/www.ceres-advisory.io\/?p=2608"},"modified":"2026-01-20T14:43:51","modified_gmt":"2026-01-20T13:43:51","slug":"une-reglementation-determinante-pour-lavenir-des-operations-crypto-en-europe-des-2025","status":"publish","type":"post","link":"https:\/\/www.ceres-advisory.io\/index.php\/2025\/01\/06\/une-reglementation-determinante-pour-lavenir-des-operations-crypto-en-europe-des-2025\/","title":{"rendered":"Une r\u00e9glementation d\u00e9terminante pour l’avenir des op\u00e9rations crypto en Europe d\u00e8s 2025"},"content":{"rendered":"

[et_pb_section fb_built=\u00a0\u00bb1″ theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][et_pb_column _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb type=\u00a0\u00bb4_4″ theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb hover_enabled=\u00a0\u00bb0″ sticky_enabled=\u00a0\u00bb0″]<\/p>\n

Introduction<\/strong><\/h3>\n

Ces derniers mois, la r\u00e9glementation MiCA a attir\u00e9 toute l’attention, mais elle n’est pas la seule \u00e0 entrer en vigueur ce d\u00e9but d\u2019ann\u00e9e 2025. Le cadre r\u00e9glementaire Transfer of Funds Regulation (TFR), plus discret mais tout aussi d\u00e9terminant, joue \u00e9galement un r\u00f4le crucial dans la structuration des op\u00e9rations des acteurs crypto op\u00e9rant en Europe.<\/p>\n

A l\u2019instar de la Travel Rule<\/em> pour les virements \u00e9lectroniques effectu\u00e9s par les prestataires de service de paiement, le r\u00e8glement (UE) 2023\/1113 aussi connu sous le nom de TFR, a pour objectif de lutter contre le blanchiment d\u2019argent et le financement d\u2019activit\u00e9s illicites li\u00e9s aux transferts de crypto-actifs. Chaque transfert de crypto-actifs devra \u00eatre accompagn\u00e9 d’informations d\u00e9taill\u00e9es sur l’exp\u00e9diteur et le b\u00e9n\u00e9ficiaire, garantissant ainsi un suivi efficace des transactions. Les transferts de pair \u00e0 pair effectu\u00e9s sans l\u2019interm\u00e9diation de CASP ne sont pas soumis aux exigences de la TFR.<\/p>\n

Les prestataires de services de crypto-actifs (CASP) auront l\u2019obligation de recueillir, conserver et de rendre accessibles certaines donn\u00e9es sur le donneur d\u2019ordre et le b\u00e9n\u00e9ficiaire de transferts de crypto actifs.<\/p>\n

 <\/p>\n

Les informations demand\u00e9es lors d\u2019un transfert seront les suivantes\u00a0:<\/strong><\/h5>\n
    \n
  1. Le nom de l\u2019initiateur<\/li>\n
  2. L\u2019adresse de registre distribu\u00e9 de l\u2019initiateur ou le num\u00e9ro de compte de crypto-actifs de l\u2019initiateur<\/li>\n
  3. L\u2019adresse, y compris le nom du pays, le num\u00e9ro du document d\u2019identit\u00e9 officiel et le num\u00e9ro d\u2019identification de client de l\u2019initiateur, ou encore sa date et son lieu de naissance<\/li>\n
  4. L\u2019IEJ de l\u2019initiateur s\u2019il existe<\/li>\n
  5. Le nom du b\u00e9n\u00e9ficiaire de crypto-actifs<\/li>\n
  6. L\u2019adresse de registre distribu\u00e9 du b\u00e9n\u00e9ficiaire ou le num\u00e9ro de compte de crypto-actifs du b\u00e9n\u00e9ficiaire<\/li>\n<\/ol>\n

     <\/p>\n

    Pour les transferts d\u2019un montant sup\u00e9rieur \u00e0 1 000 EUR vers une adresse auto-h\u00e9berg\u00e9e (wallet self-custody), le CASP de l\u2019initiateur doit prendre les mesures appropri\u00e9es pour d\u00e9terminer si cette adresse appartient \u00e0 l\u2019initiateur ou est contr\u00f4l\u00e9e par celui-ci. Cette disposition exige des acteurs qu’ils mettent en place des processus d\u00e9di\u00e9s pour v\u00e9rifier l\u2019appartenance d\u2019un wallet \u00e0 leur utilisateur. Quelles approches privil\u00e9gieront-ils pour cette v\u00e9rification ? Une simple signature cryptographique suffira-t-elle ? Opteront-ils pour une transaction publique inscrite sur la blockchain ? Ou encore, choisiront-ils l\u2019envoi d\u2019un token sp\u00e9cifique servant de preuve de propri\u00e9t\u00e9 (proof of ownership) ?<\/p>\n

    Ces exigences impliquent que les plateformes d\u2019\u00e9changes peuvent restreindre les transferts vers des wallets dont l\u2019identit\u00e9 du propri\u00e9taire n\u2019est pas v\u00e9rifi\u00e9e. La TFR remet en question le principe fondamental de pseudonymat sur la Blockchain, qui prot\u00e8ge la vie priv\u00e9e consid\u00e9r\u00e9e comme un droit fondamental. Les autorit\u00e9s de contr\u00f4le et certains grosses plateformes d\u2019\u00e9change auront la capacit\u00e9 d\u2019identifier les utilisateurs sur la Blockchain en reliant les wallets pseudonymes aux informations off-chain qu\u2019ils auront et se partageront entre eux.<\/p>\n

    Contrairement au syst\u00e8me bancaire traditionnel, o\u00f9 les informations sont prot\u00e9g\u00e9es par des contr\u00f4les stricts, les wallets blockchain sont accessibles publiquement via des explorateurs. Cela signifie qu\u2019une fuite de donn\u00e9es sur l\u2019identit\u00e9 d\u2019un wallet pourrait exposer de mani\u00e8re ouverte l\u2019historique complet des transactions on-chain de l\u2019utilisateur, compromettant ainsi sa confidentialit\u00e9 et sa vie priv\u00e9e.<\/p>\n

    Malgr\u00e9 un cadre strict et prescriptif, la r\u00e9glementation TFR offre des opportunit\u00e9s aux acteurs du secteur pour renforcer la confiance des utilisateurs en montrant que l\u2019industrie crypto respectent des standards \u00e9lev\u00e9s de transparence et de s\u00e9curit\u00e9. \u00c9galement, la r\u00e9gulation fixe des cadres clairs et des r\u00e8gles uniformes pour tous les participants. Cela permet aux acteurs de mieux planifier leurs activit\u00e9s, leurs investissements et leurs strat\u00e9gies \u00e0 long terme.<\/p>\n

    Mais alors comment les CASP vont s\u2019\u00e9changer les informations\u00a0? Contrairement aux acteurs financiers traditionnels qui disposent d’infrastructures standardis\u00e9es pour \u00e9changer des donn\u00e9es via des messages SWIFT (MT103) ou le format SEPA dans la zone euro, les CASP ne b\u00e9n\u00e9ficient pas encore de ce type d\u2019infrastructure et de format commun.<\/p>\n

    Dans les guidelines de l\u2019EBA, les pr\u00e9cisions sont concises indiquant seulement que pour la transmission et la r\u00e9ception des informations, les PSP, les CAPS et les interm\u00e9diaires de prestataires de services de crypto-actifs devraient utiliser des infrastructures et des services techniquement capables de transmettre et de recevoir int\u00e9gralement les informations de mani\u00e8re s\u00e9curis\u00e9e, sans lacunes ni erreurs dans la pr\u00e9sentation de celles-ci.<\/p>\n

    La complexit\u00e9 est multiple, dans l\u2019id\u00e9al il faudrait une infrastructure et un standard d\u2019\u00e9change qui fasse consensus entre tous les acteurs ayant des activit\u00e9s crypto diverses. Est-ce que cette infrastructure doit \u00eatre un r\u00e9seau virtuel priv\u00e9 centralis\u00e9 ou un protocole open source\u00a0? Qu\u2019importe la solution qui s\u2019imposera, elle devra \u00eatre RGPD compliant mais \u00e9galement respecter la r\u00e9glementation DORA demandant une r\u00e9silience op\u00e9rationnelle face aux risques informatiques et cyber. Toutefois, \u00e0 l\u2019approche de l\u2019\u00e9ch\u00e9ance de mise en application, des standards \u00e9mergents comme TRISA (Travel Rule Information Sharing Alliance) et OpenVASP.<\/p>\n

     <\/p>\n

    Conclusion<\/strong><\/h3>\n

    En conclusion, la r\u00e9glementation TFR (Transfer of Funds Regulation) vise l\u00e9gitimement \u00e0 pr\u00e9venir l\u2019utilisation des transferts de fonds \u00e0 des fins ill\u00e9gales, toutefois sa mise en \u0153uvre soul\u00e8ve des pr\u00e9occupations en mati\u00e8re de respect de la vie priv\u00e9e. En imposant des exigences \u00e9lev\u00e9es, TFR risque \u00e9galement de freiner l\u2019innovation dans l\u2019industrie Blockchain en Europe pour des acteurs \u00e9mergents n\u2019ayant pas atteint une certaine taille critique. A contrario, les acteurs majeurs ont \u00e0 pr\u00e9sent un cadre clair et structur\u00e9 leur permettant de se d\u00e9velopper en r\u00e9duisant les incertitudes r\u00e9glementaires.<\/p>\n

     <\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.20.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.20.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][et_pb_divider show_divider=\u00a0\u00bboff\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][\/et_pb_divider][et_pb_image src=\u00a0\u00bbhttps:\/\/www.ceres-advisory.io\/wp-content\/uploads\/2024\/04\/Louis-Potterie-ceres-advisory-podcast-account-abstraction-nb.jpg-150×150.png\u00a0\u00bb alt=\u00a0\u00bbCabinet-Conseil-CabinetConseil-blockchain-cryptomonnaie-crypto-web-nft-bitcoin-transformation-paiement-monnaie-web3.0-nouvelle technologie-transaction-tech-numerique-digitalisation-digital-strategie-tech-syst\u00e8me d’information-SI-innovation\u00a0\u00bb title_text=\u00a0\u00bbLouis-Potterie-ceres-advisory-podcast-account-abstraction-nb.jpg\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.linkedin.com\/in\/louis-potterie\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb src_last_edited=\u00a0\u00bboff|desktop\u00a0\u00bb admin_label=\u00a0\u00bbImage\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb15%\u00a0\u00bb hover_enabled=\u00a0\u00bb0″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb src__hover_enabled=\u00a0\u00bboff|desktop\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″][\/et_pb_image][et_pb_text _builder_version=\u00a0\u00bb4.24.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb]<\/p>\n

    Louis Potterie, Consultant Confirm\u00e9 & Chef de projet Blockchain chez Ceres Advisory<\/em><\/p>\n

    [\/et_pb_text][et_pb_divider show_divider=\u00a0\u00bboff\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbrow\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.0″ background_color=\u00a0\u00bb#ededed\u00a0\u00bb background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][et_pb_divider show_divider=\u00a0\u00bboff\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb4px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][\/et_pb_divider][et_pb_text _builder_version=\u00a0\u00bb4.20.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb]<\/p>\n

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

    [\/et_pb_text][et_pb_button button_url=\u00a0\u00bbhttps:\/\/www.ceres-advisory.io\/#contact\u00a0\u00bb url_new_window=\u00a0\u00bbon\u00a0\u00bb button_text=\u00a0\u00bbContactez-nous\u00a0\u00bb button_alignment=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.1″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][\/et_pb_button][et_pb_divider show_divider=\u00a0\u00bboff\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb4px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb theme_builder_area=\u00a0\u00bbpost_content\u00a0\u00bb][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

    Une r\u00e9glementation d\u00e9terminante pour l’avenir des op\u00e9rations crypto en Europe d\u00e8s 2025. <\/p>\n","protected":false},"author":4,"featured_media":2629,"comment_status":"closed","ping_status":"closed","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-2608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article"],"yoast_head":"\nUne r\u00e9glementation d\u00e9terminante pour l'avenir des op\u00e9rations crypto en Europe d\u00e8s 2025 - Ceres Advisory<\/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:\/\/www.ceres-advisory.io\/index.php\/2025\/01\/06\/une-reglementation-determinante-pour-lavenir-des-operations-crypto-en-europe-des-2025\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Une r\u00e9glementation d\u00e9terminante pour l'avenir des op\u00e9rations crypto en Europe d\u00e8s 2025 - 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