Comment les stablecoins et les MNBC peuvent rebattre les cartes dans les services financiers et les paiements

Blockchain technology makes possible a new economy, which is called a ?tokenized economy?, with digital assets of a new type. But the tokenized world still lacks maturity in its technological, legal, and regulatory aspects, as well as in its uses, and still has many challenges: cybersecurity, data sharing and protection, the technological issues of interoperability and scalability, the temptation of some public and private players to extensively recentralize, global systemic impacts (financial, environmental, and social), the need for education and to support the development of skills. While the field of application for blockchains is very broad, they have initially been used in financial services and payments, where decentralized technologies seem to have strong potential. Banks have a big role to play in shaping the foundations of this new economy. They are legitimate and can provide security, trust, and interoperability between new and traditional solutions for it. Despite the lack of regulatory clarity and technological maturity, they need to start experimenting and stepping up because for them, as for the other economic players, doing nothing is not an option. Classification JEL: E42, G21, O33.