{"id":232027,"date":"2022-04-05T14:19:05","date_gmt":"2022-04-05T13:19:05","guid":{"rendered":"https:\/\/www.realites.com.tn\/?p=232027"},"modified":"2022-04-05T14:19:05","modified_gmt":"2022-04-05T13:19:05","slug":"la-tunisie-et-les-cryptomonnaies-le-flou-total","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/la-tunisie-et-les-cryptomonnaies-le-flou-total\/","title":{"rendered":"La Tunisie et les cryptomonnaies : Le flou total"},"content":{"rendered":"<div id=\"attachment_159390\" style=\"width: 281px\" class=\"wp-caption alignright\"><img fetchpriority=\"high\" decoding=\"async\" aria-describedby=\"caption-attachment-159390\" class=\"wp-image-159390 size-medium\" src=\"https:\/\/www.realites.com.tn\/wp-content\/uploads\/2019\/11\/amine-ben-gamra-271x300.jpg\" alt=\"\" width=\"271\" height=\"300\" \/><p id=\"caption-attachment-159390\" class=\"wp-caption-text\"><em><strong>Par Amine Ben Gamra<\/strong><\/em><\/p><\/div>\n<p>La\u00a0guerre en Ukraine et la\u00a0hausse de l\u2019inflation \u00e9loignent les investisseurs du march\u00e9 boursier et attirent l\u2019attention sur d\u2019autres types d\u2019actifs, il s\u2019agit principalement de la cryptomonnaie.<br \/>\nLa cryptomonnaie est un syst\u00e8me de paiement num\u00e9rique qui ne d\u00e9pend pas des banques pour v\u00e9rifier les transactions. Il s\u2019agit d\u2019un syst\u00e8me peer-to-peer qui permet \u00e0 n\u2019importe qui, n\u2019importe o\u00f9, d\u2019envoyer et de recevoir des paiements. Au lieu d\u2019\u00eatre de l\u2019argent physique transport\u00e9 et \u00e9chang\u00e9 dans le monde r\u00e9el, les paiements en cryptomonnaie existent uniquement sous forme d\u2019entr\u00e9es num\u00e9riques dans une base de donn\u00e9es en ligne d\u00e9crivant des transactions sp\u00e9cifiques. Le concept de crypto est construit sur le principe de transparence et de tra\u00e7abilit\u00e9. Il constitue le meilleur syst\u00e8me pour le suivi des paiements. Il permet de r\u00e9duire les interm\u00e9diaires et donc de gagner en termes de d\u00e9lais et de frais.<br \/>\nAu niveau mondial, l\u2019adoption de la cryptomonnaie a augment\u00e9 de 190% entre 2018 et 2020, et a encore cr\u00fb \u00e0 280% de 2020 \u00e0 2021.<br \/>\nEn Tunisie, les cryptomonnaies font l\u2019objet d\u2019une r\u00e9pression alors qu\u2019il n\u2019existe pas de r\u00e9glementation concr\u00e8te et claire. Pire encore, certaines personnes ont \u00e9t\u00e9 emprisonn\u00e9es pour avoir utilis\u00e9 une monnaie num\u00e9rique. Ce qui met en \u00e9vidence l\u2019absence ou les insuffisances en mati\u00e8re de r\u00e9glementation des actifs num\u00e9riques dans notre pays qui milite pourtant pour les \u00e9volutions technologiques.<br \/>\nA plus d\u2019une occasion, le gouverneur de la Banque centrale, Marouane Abassi, a annonc\u00e9 sa volont\u00e9 d\u2019\u00e9tudier le lancement d\u2019une Cbdc tunisienne (Central Bank Digital Currency ou monnaie num\u00e9rique de la Banque centrale). Plus loin que cela, il a confirm\u00e9 que la BCT a fait son choix et se positionne en tant que facilitateur aupr\u00e8s de l\u2019\u00e9cosyst\u00e8me tunisien d\u2019innovation. En ce sens, la m\u00e8re des banques en Tunisie s\u2019est dot\u00e9e des m\u00e9canismes n\u00e9cessaires, \u00e0 l\u2019instar du Comit\u00e9 Fintech, la Sandbox r\u00e9glementaire, le BCT-Lab et le site Web BCT-Fintech\u2026<br \/>\nMais malheureusement, aujourd\u2019hui la Tunisie est dans le flou total concernant les cryptomonnaies et il est difficile de savoir si le pays est pr\u00eat \u00e0 se lancer dans ce mouvement r\u00e9volutionnaire.\u00a0Le gouvernement et les institutions financi\u00e8res ne savent pas sur quel pied danser. Nous sommes sur des concepts nouveaux, qui brusquent les concepts et les perceptions classiques. C\u2019est une technologie transformatrice qui peut r\u00e9volutionner le monde de la finance. Il y a beaucoup de mati\u00e8re \u00e0 innovation, mais c\u2019est une innovation qui est porteuse de beaucoup de risque, ce qui implique donc des sujets de r\u00e9gulation, et c\u2019est le r\u00f4le des banques centrales d\u2019intervenir en la mati\u00e8re, notamment dans des contextes qui sont les n\u00f4tres.<br \/>\nAvec la vitesse \u00e0 laquelle \u00e9volue le secteur dans le monde, il est peut-\u00eatre temps pour le gouvernement de changer la donne.<br \/>\nL\u2019adoption croissante de la cryptographie pourrait aider \u00e0 am\u00e9liorer le positionnement de la Tunisie\u00a0 dans le cadre de leur engagement plus large \u00e0 r\u00e9glementer les march\u00e9s financiers et les investissements transfrontaliers.<\/p>\n<p style=\"text-align: right\"><em>*Expert-comptable<\/em><br \/>\n<em>Commissaire aux comptes<\/em><br \/>\n<em>Membre de l\u2019Ordre des experts comptables de Tunisie<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La\u00a0guerre en Ukraine et la\u00a0hausse de l\u2019inflation \u00e9loignent les investisseurs du march\u00e9 boursier et attirent l\u2019attention sur d\u2019autres types d\u2019actifs, il s\u2019agit principalement de la cryptomonnaie. La cryptomonnaie est un&hellip;<\/p>\n","protected":false},"author":60,"featured_media":232029,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-232027","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La Tunisie et les cryptomonnaies : Le flou total - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"La\u00a0guerre en Ukraine et la\u00a0hausse de l\u2019inflation \u00e9loignent les investisseurs du march\u00e9 boursier et attirent l\u2019attention sur d\u2019autres types d\u2019actifs, il\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/realites.com.tn\/fr\/la-tunisie-et-les-cryptomonnaies-le-flou-total\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La Tunisie et les cryptomonnaies : Le flou total - 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