{"id":1856,"date":"2021-07-05T21:03:20","date_gmt":"2021-07-05T19:03:20","guid":{"rendered":"https:\/\/simplecryptoguide.com\/?page_id=1856"},"modified":"2026-10-25T18:44:03","modified_gmt":"2026-10-25T17:44:03","slug":"what-is-a-stablecoin","status":"publish","type":"post","link":"https:\/\/simplecryptoguide.com\/fr\/what-is-a-stablecoin\/","title":{"rendered":"Stablecoins : parit\u00e9, r\u00e9serves et risques de transfert"},"content":{"rendered":"<div data-no-translation><p>[et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;40px||40px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; background_color=&#8221;#fff8d8&#8243;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;2_3,1_3&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; module_class=&#8221;scg-learning-hero&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;2_3&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; header_font_size=&#8221;42px&#8221; header_font_size_phone=&#8221;32px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; header_line_height=&#8221;1.16em&#8221;]<\/p>\n<div class=\"scg-learning-breadcrumb\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/div>\n<h1>Stablecoins : parit\u00e9, r\u00e9serves et risques de transfert<\/h1>\n<p>Un stablecoin vise une valeur de r\u00e9f\u00e9rence, souvent un dollar am\u00e9ricain. C\u2019est un objectif de conception, pas une garantie. Comprenez ce qui soutient la parit\u00e9, comment sortir et pourquoi le r\u00e9seau compte.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;1_3&#8243;][et_pb_image _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; src=&#8221;https:\/\/simplecryptoguide.com\/wp-content\/uploads\/2026\/10\/stablecoins-collateral-balance.png&#8221; alt=&#8221;Balance comparant des jetons stablecoins \u00e0 leurs r\u00e9serves de garantie&#8221; title_text=&#8221;Balance comparant des jetons stablecoins \u00e0 leurs r\u00e9serves de garantie&#8221; align=&#8221;center&#8221; max_width=&#8221;260px&#8221; max_width_phone=&#8221;200px&#8221; max_width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;0px|auto|0px|auto|true|true&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Commencer par le m\u00e9canisme de couverture<\/h2>\n<div class=\"scg-learning-grid\">\n<div class=\"scg-learning-card\"><span class=\"scg-learning-number\" aria-hidden=\"true\">1<\/span><\/p>\n<h3>Adoss\u00e9 \u00e0 des r\u00e9serves<\/h3>\n<p>Un \u00e9metteur d\u00e9tient des r\u00e9serves et propose un remboursement sous conditions. Examinez composition, date du rapport, d\u00e9positaires et votre propre \u00e9ligibilit\u00e9. Une attestation de r\u00e9serves porte sur un p\u00e9rim\u00e8tre et une date pr\u00e9cis ; elle ne garantit pas une protection contre tous les risques de l\u2019entreprise.<\/p>\n<\/div>\n<div class=\"scg-learning-card\"><span class=\"scg-learning-number\" aria-hidden=\"true\">2<\/span><\/p>\n<h3>Garanti par des cryptoactifs<\/h3>\n<p>Des contrats intelligents d\u00e9tiennent des cryptoactifs en garantie des jetons \u00e9mis. Flux de prix, ratios de garantie et r\u00e8gles de liquidation aident \u00e0 g\u00e9rer la position. Baisse des garanties, d\u00e9cisions de gouvernance et d\u00e9faillances logicielles peuvent n\u00e9anmoins menacer la parit\u00e9.<\/p>\n<\/div>\n<div class=\"scg-learning-card\"><span class=\"scg-learning-number\" aria-hidden=\"true\">3<\/span><\/p>\n<h3>Algorithmique ou hybride<\/h3>\n<p>Certains mod\u00e8les s\u2019appuient en partie sur des incitations, des couvertures ou un autre jeton pour maintenir leur prix. Demandez-vous qui absorbe les pertes en p\u00e9riode de tension. Un rendement \u00e9lev\u00e9 annonc\u00e9 ne d\u00e9montre ni couverture ni sortie fiables.<\/p>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;peg-example&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; module_class=&#8221;scg-learning-panel&#8221; background_color=&#8221;#fff8d8&#8243; custom_padding_phone=&#8221;22px|18px|22px|18px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|16px|16px|16px|16px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#e5d89e&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Exemple chiffr\u00e9 : la parit\u00e9 avec le dollar peut c\u00e9der<\/h2>\n<div class=\"scg-learning-table\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Prix hypoth\u00e9tique<\/th>\n<th scope=\"col\">Valeur de 1 000 jetons<\/th>\n<th scope=\"col\">\u00c9cart par rapport \u00e0 1 000 dollars<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1,00 dollar<\/td>\n<td>1 000 dollars<\/td>\n<td>0 dollar<\/td>\n<\/tr>\n<tr>\n<td>0,97 dollar<\/td>\n<td>970 dollars<\/td>\n<td>\u221230 dollars<\/td>\n<\/tr>\n<tr>\n<td>0,80 dollar<\/td>\n<td>800 dollars<\/td>\n<td>\u2212200 dollars<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Le nombre reste de 1 000 jetons tandis que leur valeur de march\u00e9 \u00e9volue. Vendre \u00e0 0,97 dollar rapporte 970 dollars avant frais si la liquidit\u00e9 suffit. Attendre une remont\u00e9e implique un risque ; le retour \u00e0 un dollar n\u2019est pas assur\u00e9. L\u2019ancrage au dollar laisse aussi un risque de change si vos d\u00e9penses sont dans une autre monnaie.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Remboursement et vente sont diff\u00e9rents<\/h2>\n<p>La vente passe par une plateforme ou un pool de liquidit\u00e9 au prix disponible. Le remboursement direct suit les r\u00e8gles de l\u2019\u00e9metteur concernant \u00e9ligibilit\u00e9, compte, juridiction et frais. Par exemple, les conditions de Circle hors EEE exigent un compte Circle Mint \u00e9ligible pour rembourser directement des USDC ; les d\u00e9tenteurs de l\u2019EEE disposent d\u2019une documentation distincte. Tous les particuliers n\u2019ont pas le m\u00eame acc\u00e8s.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; module_class=&#8221;scg-learning-panel&#8221; background_color=&#8221;#fff8d8&#8243; custom_padding_phone=&#8221;22px|18px|22px|18px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|16px|16px|16px|16px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#e5d89e&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Lire les documents actuels<\/h2>\n<div class=\"scg-learning-table\">\n<table>\n<thead>\n<tr>\n<th scope=\"col\">Question<\/th>\n<th scope=\"col\">Points \u00e0 v\u00e9rifier<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Puis-je obtenir un remboursement direct, et sous quelles conditions ?<\/td>\n<td>Identifiez \u00e9metteur, entit\u00e9 juridique de votre r\u00e9gion, crit\u00e8res et minimums. V\u00e9rifiez aussi si les transferts peuvent \u00eatre gel\u00e9s ou limit\u00e9s.<\/td>\n<\/tr>\n<tr>\n<td>Qu\u2019est-ce qui couvre r\u00e9ellement le jeton ?<\/td>\n<td>Lisez le dernier rapport de r\u00e9serves ou la documentation du protocole. Distinguez liquidit\u00e9s, titres, garanties crypto et autres expositions, puis v\u00e9rifiez la date.<\/td>\n<\/tr>\n<tr>\n<td>Comment sortir en p\u00e9riode de tension ?<\/td>\n<td>Examinez profondeur du carnet d\u2019ordres, disponibilit\u00e9 des retraits et destination accept\u00e9e. Le volume annonc\u00e9 ne promet pas l\u2019ex\u00e9cution.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Le symbole ne suffit pas<\/h2>\n<p>Un m\u00eame symbole peut exister sur plusieurs r\u00e9seaux ou sous des formes natives et transf\u00e9r\u00e9es par pont. V\u00e9rifiez actif et contrat exacts avec les documents de l\u2019\u00e9metteur et les instructions de d\u00e9p\u00f4t du destinataire. Un r\u00e9seau moins cher n\u2019est utile que si les deux c\u00f4t\u00e9s acceptent cette version pr\u00e9cise.<\/p>\n<p>Exercice de transfert : vous envoyez 100 jetons et le service pr\u00e9l\u00e8ve un jeton de frais. Le destinataire en re\u00e7oit 99. Si son d\u00e9p\u00f4t minimum est 100, le cr\u00e9dit pourrait ne pas \u00eatre automatique. R\u00e9seau, version de l\u2019actif, minimum et frais doivent tous correspondre \u00e0 votre plan.<\/p>\n<div class=\"scg-learning-actions\"><a href=\"https:\/\/simplecryptoguide.com\/fr\/portefeuilles-de-crypto-monnaies\/#withdrawal-network\" class=\"scg-learning-button\">Portefeuilles et retraits <span aria-hidden=\"true\">\u2192<\/span><\/a><\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; module_class=&#8221;scg-learning-panel&#8221; background_color=&#8221;#fff8d8&#8243; custom_padding_phone=&#8221;22px|18px|22px|18px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|16px|16px|16px|16px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#e5d89e&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Un stablecoin ne garantit pas l\u2019\u00e9pargne<\/h2>\n<p>D\u00e9tenir un jeton et le d\u00e9poser dans un produit de rendement cr\u00e9e des expositions diff\u00e9rentes. Le pr\u00eat ajoute le risque de l\u2019emprunteur ou de la plateforme ; fournir de la liquidit\u00e9 ajoute les risques du pool. Ne supposez pas que les stablecoins b\u00e9n\u00e9ficient de la garantie des d\u00e9p\u00f4ts bancaires. V\u00e9rifiez produit et juridiction.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; module_class=&#8221;scg-learning-panel&#8221; background_color=&#8221;#fff8d8&#8243; custom_padding_phone=&#8221;22px|18px|22px|18px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|16px|16px|16px|16px&#8221; border_width_all=&#8221;1px&#8221; border_color_all=&#8221;#e5d89e&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Mettre cette le\u00e7on en pratique<\/h2>\n<p>Exercice : choisissez un stablecoin et notez \u00e9metteur ou protocole, couverture, acc\u00e8s au remboursement, r\u00e9seau et march\u00e9 de sortie. Une r\u00e9ponse manquante est une lacune \u00e0 combler, pas une raison de supposer le meilleur sc\u00e9nario.<\/p>\n<div class=\"scg-learning-actions\"><a href=\"https:\/\/simplecryptoguide.com\/fr\/crypto-exchange-fee-calculator\/\" class=\"scg-learning-button\">Calculer les frais de n\u00e9gociation <span aria-hidden=\"true\">\u2192<\/span><\/a><a href=\"https:\/\/simplecryptoguide.com\/fr\/categorie\/comment-acheter\/buy-stablecoins\/\" class=\"scg-learning-button\">Explorer les guides sur les stablecoins <span aria-hidden=\"true\">\u2192<\/span><\/a><\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h3>V\u00e9rifier la plateforme avant l\u2019achat<\/h3>\n<p>V\u00e9rifiez l\u2019acc\u00e8s r\u00e9gional et les actifs pris en charge sur les \u00e9crans actuels de produit et de d\u00e9p\u00f4t. Comparez avis, frais et exigences de retrait avant de vous inscrire.<\/p>\n<p><a href=\"https:\/\/accounts.binance.com\/en\/register?ref=RP2JHHRW\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Binance<\/a><\/p>\n<p>Certains liens sont affili\u00e9s. Nous pouvons percevoir une commission si vous vous inscrivez ou effectuez une op\u00e9ration par leur interm\u00e9diaire.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;26px||26px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; text_font=&#8221;Inter||||||||&#8221; text_font_size=&#8221;17px&#8221; text_text_color=&#8221;#354554&#8243; text_line_height=&#8221;1.7em&#8221; header_font=&#8221;Inter|700|||||||&#8221; header_text_color=&#8221;#10202b&#8221; header_2_font=&#8221;Inter|700|||||||&#8221; header_2_text_color=&#8221;#10202b&#8221; header_2_font_size=&#8221;30px&#8221; header_2_font_size_phone=&#8221;25px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font=&#8221;Inter|700|||||||&#8221; header_3_text_color=&#8221;#10202b&#8221; custom_margin=&#8221;0px||0px||false|false&#8221;]<\/p>\n<h2>Sources et v\u00e9rification<\/h2>\n<p>V\u00e9rifi\u00e9 le 25 octobre 2026. Les exemples sont hypoth\u00e9tiques. Avant d\u2019agir, consultez les instructions, r\u00e9seaux pris en charge et conditions actuelles du prestataire.<\/p>\n<ul class=\"scg-learning-sources\">\n<li><a href=\"https:\/\/ethereum.org\/stablecoins\/\" target=\"_blank\" rel=\"noopener\">Ethereum.org<\/a><\/li>\n<li><a href=\"https:\/\/www.circle.com\/legal\/usdc-terms\" target=\"_blank\" rel=\"noopener\">Circle<\/a><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; fb_built=&#8221;1&#8243; module_class=&#8221;scg-handbook scg-learning-page&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; custom_padding_phone=&#8221;18px||18px||true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221;][et_pb_row _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; column_structure=&#8221;4_4&#8243; width=&#8221;92%&#8221; max_width=&#8221;1120px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221;][et_pb_column _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; type=&#8221;4_4&#8243;][et_pb_code _builder_version=&#8221;4.27.9&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;]<\/p>\n<style>.scg-learning-page h1{margin-bottom:22px!important}.scg-learning-page h2{line-height:1.25!important;margin-bottom:22px}.scg-learning-page h3{line-height:1.3!important;font-size:22px;margin-bottom:12px}.scg-learning-page p+p{margin-top:16px}.scg-learning-page .scg-learning-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.scg-learning-card{border:1px solid #cbd5dc;border-radius:14px;padding:24px;background:#fff;min-width:0}.scg-learning-number{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border:1px solid #10202b;border-radius:8px;background:#ffda26;font-weight:800;color:#10202b;margin-bottom:18px}.scg-learning-table table{width:100%!important;table-layout:fixed;border-collapse:collapse;font-variant-numeric:tabular-nums}.scg-learning-table th,.scg-learning-table td{padding:14px 10px!important;text-align:left!important;vertical-align:top;border-bottom:1px solid #d7dcd7;overflow-wrap:anywhere}.scg-learning-table th{background:#10202b;color:#fff!important}.scg-learning-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.scg-learning-page a.scg-learning-button,.scg-learning-page a.scg-learning-button:visited{display:inline-flex;align-items:center;justify-content:space-between;gap:16px;min-height:48px;padding:12px 18px;border:1px solid #c4a728;border-radius:8px;background:#ffda26;color:#10202b!important;font-weight:700;text-decoration:none!important;line-height:1.4;transform:none!important;transition:background-color .15s,color .15s,border-color .15s}.scg-learning-page a.scg-learning-button:hover,.scg-learning-page a.scg-learning-button:focus-visible{background:#10202b;color:#ffda26!important;border-color:#10202b;transform:none!important}.scg-learning-page a:focus-visible{outline:3px solid #356ca6;outline-offset:3px}.scg-learning-page .scg-learning-links{list-style:none!important;padding:0!important;margin:18px 0 0!important}.scg-learning-links li{margin:0!important}.scg-learning-links a{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:12px 0;border-bottom:1px solid #d6dce0;color:#10202b!important;font-weight:600;text-underline-offset:4px}.scg-learning-links a:after{content:'\u2192';flex:0 0 auto;color:#10202b}.scg-learning-breadcrumb{font-size:13px;margin-bottom:20px}.scg-learning-sources{font-size:14px}.scg-learning-hero{display:flex;align-items:center;gap:24px}.scg-learning-hero>.et_pb_column{margin-right:0!important}.scg-learning-hero>.et_pb_column:first-child{flex:1}.scg-learning-hero>.et_pb_column:last-child{width:30%!important;flex:0 0 30%}.scg-learning-page .scg-learning-paths{grid-template-columns:repeat(2,minmax(0,1fr))}.scg-learning-paths .scg-learning-card{border-top:4px solid #ffda26}.scg-learning-page ul li{padding-bottom:6px}@media(max-width:767px){.scg-learning-page .scg-learning-grid,.scg-learning-page .scg-learning-paths{grid-template-columns:1fr}.scg-learning-card{padding:22px}.scg-learning-hero{display:flex!important;flex-direction:column;gap:24px}.scg-learning-hero>.et_pb_column:first-child,.scg-learning-hero>.et_pb_column:last-child{width:100%!important;flex:auto;margin-bottom:0!important}.scg-learning-table th,.scg-learning-table td{padding:12px 6px!important;font-size:14px;line-height:1.5}.scg-learning-actions>a{width:100%}.scg-learning-page h1{font-size:32px!important}.scg-learning-page h2{font-size:26px!important}}<\/style>\n<p>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Un stablecoin vise une valeur de r\u00e9f\u00e9rence, souvent un dollar am\u00e9ricain. C\u2019est un objectif de conception, pas une garantie. Comprenez ce qui soutient la parit\u00e9, comment sortir et pourquoi le r\u00e9seau compte.<\/p>\n","protected":false},"author":1,"featured_media":3753,"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":[97],"tags":[237,801,802,800,803],"class_list":["post-1856","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beginner","tag-stablecoin","tag-tether","tag-usdc","tag-usdt","tag-ust"],"_links":{"self":[{"href":"https:\/\/simplecryptoguide.com\/fr\/wp-json\/wp\/v2\/posts\/1856","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/simplecryptoguide.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/simplecryptoguide.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/simplecryptoguide.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/simplecryptoguide.com\/fr\/wp-json\/wp\/v2\/comments?post=1856"}],"version-history":[{"count":1,"href":"https:\/\/simplecryptoguide.com\/fr\/wp-json\/wp\/v2\/posts\/1856\/revisions"}],"predecessor-version":[{"id":18744,"href":"https:\/\/simplecryptoguide.com\/fr\/wp-json\/wp\/v2\/posts\/1856\/revisions\/18744"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/simplecryptoguide.com\/fr\/wp-json\/wp\/v2\/media\/3753"}],"wp:attachment":[{"href":"https:\/\/simplecryptoguide.com\/fr\/wp-json\/wp\/v2\/media?parent=1856"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/simplecryptoguide.com\/fr\/wp-json\/wp\/v2\/categories?post=1856"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/simplecryptoguide.com\/fr\/wp-json\/wp\/v2\/tags?post=1856"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}