Finance

La route vers l’adoption des cryptos : des paiements directs aux cartes de crédit crypto

L’adoption des cryptos progresse lentement mais sûrement. De plus en plus dedétaillants en ligne commence à accepter les monnaies numériques commemoyen de paiement et les startups émettent même des cartes de débit crypto.L’adoption à plus grande échelle reste cependant encore loin.

Que ce soit avec les guichets automatiques crypto, les cartes de crédit crypto, lestéléphone crypto : l’industrie bancaire cherche à favoriser la prolifération ducrypto et permettre aux utilisateurs d’intégrer le plus facilement possible lesmonnaies numériques dans leur vie quotidienne.

De plus en plus de détaillants en ligne proposent des paiements par les cryptos

Digitech Galaxus, le plus grand détaillant en ligne de Suisse, a annoncé la semaine dernière son intention de permettre aux clients qui dépensent au moins200 CHF de payer en Bitcoin, Bitcoin Cash, Ether, Ripple, Binance Coin, Litecoin,Tron NEO ou OmiseGO. Pour se faire, les paiements seront traités par le service tiers  Coinify. La startup danoise convertit chaque paiement crypto en fiat, et tout cela en temps réel.

L’inconvénient? L’utilisation du service entraîne des frais de 1,5% à chaquebtransaction. On peut donc se demander si les clients trouvent un réel avantage àpayer en cryptos.

Comme alternative à ses frais supplémentaires, Revolut, société britannique de la Fintech offrent des paiements sans frais dans les délais, en cohérence avec le besoin des clients qui privilégient avant tout la praticité et le coût.

Les crypto-monnaies restent toutefois rarement acceptées pour faire ses courses,que ce soient dans les centres commerciaux ou les cinémas.

Les cartes de paiement crypto pourraient pousser l’adoption du crypto dans les magasins «ordinaires»

La société 2gether, une plateforme bancaire de nouvelle génération établie en Espagne, a lancé une carte de débit Visa prépayée permettant aux consommateurs de dépenser les crypto-monnaies aussi facilement que des euros. Les utilisateurs n’ont qu’à glisser leur carte et celle-ci convertit instantanément les crypto-monnaies détenues dans un portefeuille numérique en euros pour effectuer le paiement. L’application peut notamment convertir lesETH, BTC, XPR, BCH, EOS, XLM et LTC en euros.

Les utilisateurs peuvent effectuer des paiements sans frais, et les prix de change ne seront pas majorés. Les citoyens de l’UE peuvent d’ores et déjà télécharger cette application, terminer le processus de KYC et commencer à utiliser le service.

Contrairement à la carte de débit Visa de Wirex, qui peut être utilisée dans les 33 États membres de l’Espace économique européen, 2gether n’est disponible pour le moment que dans 19 pays de la zone euro.

Autre différence, les titulaires de cartes Wirex peuvent dépenser des euros, des dollars américains et des livres sterling tandis que les utilisateurs de 2gether ne peuvent dépenser que des euros. Cependant, 2gether permet la conversion de sept crypto-monnaies, tandis que les utilisateurs de Wirex ne peuvent convertir que des BTC, ETH, XRP, LTC et Waves.

Des projets similaires ont également été lancés aux États-Unis, notamment Bitpay, qui a traité plus de 1 milliard USD de paiements en 2018.

Bitpay donne la possibilité aux utilisateurs américains de convertir BTC et BCH en dollars américains et en devises locales en dehors des États-Unis. De même,Shift propose également aux consommateurs américains une carte Visa leur permettant de se connecter à leurs comptes Coinbase. La carte Visa ne comporte aucun frais de maintenance, mais une commission de 3% est prélevée pour les transactions internationales.

Ainsi, les outils et l’infrastructure permettant d’utiliser les devises numériques dans le monde réel existent déjà.

Cependant, malgré toutes ces nouvelles solutions, il est toujours nécessaire de convertir les cryptos en fiat avant de pouvoir procéder à un achat. Seul un petit cercle de passionnés de technologie qui travaillent dans des startups crypto pourrait être intéressé par l’utilisation d’une monnaie numérique aujourd’hui. A terme, serait-il possible que le consommateur lambda puisse penser à cette solution?

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