{"id":708,"date":"2018-02-11T13:33:05","date_gmt":"2018-02-11T12:33:05","guid":{"rendered":"https:\/\/blockchain-x.eu\/?p=708"},"modified":"2018-04-02T14:32:16","modified_gmt":"2018-04-02T12:32:16","slug":"r3-une-blockchain-au-service-dun-consortium-de-banques-2","status":"publish","type":"post","link":"https:\/\/theblockchainforgood.org\/index.php\/2018\/02\/11\/r3-une-blockchain-au-service-dun-consortium-de-banques-2\/","title":{"rendered":"Stellar : du transfert d&rsquo;argent multi-devise et transfrontalier \u00e0 tr\u00e8s faible co\u00fbt"},"content":{"rendered":"<div id=\"av-layout-grid-1\" class=\"av-layout-grid-container entry-content-wrapper alternate_color av-flex-cells avia-builder-el-0 el_before_av_section avia-builder-el-first av-cell-min-height av-cell-min-height-75 container_wrap fullsize\">\n<div class=\"flex_cell no_margin av_one_half avia-builder-el-4 el_after_av_cell_one_half avia-builder-el-last \">\n<div class=\"flex_cell_inner\">\n<div class=\"flex_column av_one_full flex_column_div av-zero-column-padding first avia-builder-el-5 avia-builder-el-no-sibling \">\n<section class=\"av_textblock_section\">\n<div class=\"avia_textblock av_inherit_color\">\n<div>\n<div>\n<p><span style=\"color: #0b5b9d;\"><strong>Stellar, <span style=\"color: #0b5b9d;\">quelle<\/span> application pratique ?<\/strong><\/span><br \/>\n<span style=\"color: #0b5b9d;\">Pour les personnes, Stellar permet de transf\u00e9rer de l&rsquo;argent (euros, dollars, yen&#8230;) \u00e0 une autre personne, dans n&rsquo;importe quelle devise (monnaie ou crypto-actif). L&rsquo;infrastructure de paiement fonctionne sur une blockchain et permet d&rsquo;effectuer une transaction en 2 \u00e0 5 secondes. Parce que les frais sont infimes, moins de un centime, il devient ainsi possible d&rsquo;effectuer des micro-paiements, transfrontaliers, avec des op\u00e9rateurs de paiement locaux, et \u00e0 moindre frais.<\/span><\/p>\n<p><strong><span class=\"dropcap dropcap2\">O<\/span>rganisation \u00e0 but non lucratif, Stellar.org\u00a0est une infrastructure de paiement distribu\u00e9e et open-source, reposant sur le \u00ab\u00a0Stellar Network\u00a0\u00bb, fond\u00e9e en 2014 par le sulfureux <a href=\"https:\/\/en.wikipedia.org\/wiki\/Jed_McCaleb\" target=\"_blank\" rel=\"noopener\">Jed McCaled<\/a>.\u00a0A l&rsquo;origine de Stellar.org, cette id\u00e9e \u00ab\u00a0<em>d&rsquo;offrir aux personnes qui n\u2019ont pas acc\u00e8s aux services bancaires, essentiellement des habitants de pays en d\u00e9veloppement, des moyens de payements depuis les t\u00e9l\u00e9phones portables ainsi que des solutions de transferts internationaux imm\u00e9diats moyennant une fraction de centime\u00a0\u00bb.<\/em><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<p class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"0\">Cette infrastructure de paiement a \u00e9t\u00e9 con\u00e7ue pour \u00e9changer n&rsquo;importe quel type de devise ou d&rsquo;actif (les <a href=\"https:\/\/www.wikiberal.org\/wiki\/Monnaie-fiat\" target=\"_blank\" rel=\"noopener\">monnaies fiat<\/a> comme le dollar ou l&rsquo;euro mais aussi les cryptoactifs comme le bitcoin ou autres altcoins). Le r\u00e9seau fait \u00e9galement office de bourse d\u00e9centralis\u00e9e pour op\u00e9rer le change entre les diff\u00e9rentes devises.<\/p>\n<p class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"0\">Prenons un exemple concret. Paul et C\u00e9line ont chacun un compte Stellar. Chaque compte\u00a0se voit attribuer un jeu de cl\u00e9s priv\u00e9es et publiques, \u00e0 l&rsquo;instar du bitcoin, qui servira \u00e0 la fois d&rsquo;identifiant sur le r\u00e9seau et de signature pour effectuer des transactions.<\/p>\n<p class=\"so-panel widget widget_sow-editor panel-first-child panel-last-child\" data-index=\"0\">Paul veut envoyer des dollars \u00e0 C\u00e9line, en utilisant son solde en euro.\u00a0Stellar soumet automatiquement une offre \u00e0 une bourse d&rsquo;\u00e9change distribu\u00e9e qui vend des USD pour des EUR. Le r\u00e9seau trouve ensuite le meilleur taux de change pour la transaction, qui peut ensuite s&rsquo;effectuer de trois mani\u00e8res :<\/p>\n<ul>\n<li data-index=\"0\"><strong>Conversion \u00e0 travers une offre<\/strong> : Stellar trouve une offre sur la bourse interne USD \/ EUR quelqu&rsquo;un qui veut acheter des EUR contre des USD et effectue automatiquement l&rsquo;\u00e9change entre Paul et C\u00e9line.<\/li>\n<li data-index=\"0\"><strong>Utilisation de Lumens comme monnaie interm\u00e9diaire :<\/strong> Stellar recherche des offres sur le r\u00e9seau demandant des EUR en \u00e9change de lumens (XLM,\u00a0le crypto-actif de Stellar). Il recherche simultan\u00e9ment une offre demandant des Lumens en \u00e9change d&rsquo;USD. Le r\u00e9seau effectue ces \u00e9changes et envoie \u00e0 C\u00e9line le cr\u00e9dit en dollars de Paul.<\/li>\n<li data-index=\"0\"><strong>Cha\u00eene de conversions :<\/strong> S&rsquo;il n&rsquo;y a pas de relation explicite entre les offres d&rsquo;achat et de vente, Stellar essaie de trouver des offres du r\u00e9seau qui m\u00e8neront une cha\u00eene de conversions de EUR \u00e0 USD. Par exemple, EUR \u00e0 AUD, AUD \u00e0 BTC, BTC \u00e0 XLM, XLM \u00e0 USD.<\/li>\n<\/ul>\n<p data-index=\"0\"><strong>Qu&rsquo;est-ce que\u00a0<\/strong><strong>le Lumen (XLM),\u00a0<\/strong><strong>le crypto-actif de Stellar ? <\/strong><\/p>\n<p data-index=\"0\">Le protocole qui fonctionne sur le r\u00e9seau Stellar (Stellar Network) ne n\u00e9cessite pas de minage pour cr\u00e9er des jetons, ce qui signifie que l\u2019ensemble des Lumens (XLM) existent d\u00e9j\u00e0 au d\u00e9marrage du r\u00e9seau. Un lumen est un crypto-actif, un jeton num\u00e9rique permettant d&rsquo;utiliser le r\u00e9seau Stellar (il faut au minimum 0,5 stellar pour que le compte reste actif, soit 15 centimes d&rsquo;euros au 8\/3\/2018), payer les frais de transaction (0,001 lumen par transaction (soit 0,00032 centimes d&rsquo;euros \u00e0 la m\u00eame date), et surtout, assurer l&rsquo;authenticit\u00e9 des comptes dans un registre distribu\u00e9 de type blockchain.<\/p>\n<p data-index=\"0\">Ces Lumens sont et seront distribu\u00e9s gratuitement :<\/p>\n<ul>\n<li data-index=\"0\">50 % aux personnes int\u00e9ress\u00e9es, sur simple demande<\/li>\n<li data-index=\"0\">25 % \u00e0 des organisations \u00e0 but non lucratif, en lien avec l&rsquo;inclusion des populations non bancaris\u00e9es (Partnership Grant Program)<\/li>\n<li data-index=\"0\">20 % aux possesseurs de Bitcoin<\/li>\n<li data-index=\"0\">5 % conserv\u00e9s par Stellar.org pour son fonctionnement<\/li>\n<\/ul>\n<p data-index=\"0\">En 2017, plus de\u00a0<span data-format-supply=\"\" data-format-value=\"18468394031.6\">18\u00a0468\u00a0394\u00a0032<\/span>\u00a0ont d\u00e9j\u00e0 \u00e9t\u00e9 distribu\u00e9s. Il en existe 103 milliards.<\/p>\n<p data-index=\"0\"><strong>Les avantages de Stellar seraient les suivants :<\/strong><\/p>\n<ul>\n<li data-index=\"0\">R\u00e8glement en temps r\u00e9el (2-5 secondes)<\/li>\n<li data-index=\"0\">Transactions s\u00e9curis\u00e9es sur une blockchain utilisant des proc\u00e9d\u00e9s cryptographiques.<\/li>\n<li data-index=\"0\">Conformit\u00e9 r\u00e9glementaire (en passant par des banques et les proc\u00e9dures de <a href=\"https:\/\/fr.wikipedia.org\/wiki\/Know_your_customer\" target=\"_blank\" rel=\"noopener\">KYC<\/a>.<\/li>\n<li data-index=\"0\">Des paiements qui s&rsquo;effectuent aussi facilement qu&rsquo;envoyer\u00a0un email<\/li>\n<li data-index=\"0\">Une port\u00e9e internationale avec un seul point d&rsquo;entr\u00e9e<\/li>\n<li data-index=\"0\">Id\u00e9al pour les micropaiements : des frais de 0,01 $ traitent environ 600 000 transactions<\/li>\n<li data-index=\"0\">Un \u00e9change de monnaie automatique<\/li>\n<\/ul>\n<p data-index=\"0\"><strong>Comment fonctionne le r\u00e9seau de paiement ?<\/strong><\/p>\n<p data-index=\"0\">Stellar est un r\u00e9seau de serveurs d\u00e9centralis\u00e9s qui tiennent \u00e0 jour un registre distribu\u00e9 (une blockchain). Tous les registres distribu\u00e9s contiennent l&rsquo;ensemble des transactions effectu\u00e9es sur le r\u00e9seau.<\/p>\n<\/div>\n<p data-index=\"0\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-large wp-image-944\" src=\"https:\/\/blockchain-x.eu\/wp-content\/uploads\/2018\/02\/stellar-network-1024x543.png\" alt=\"\" width=\"696\" height=\"369\" srcset=\"https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-network-1024x543.png 1024w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-network-300x159.png 300w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-network-768x407.png 768w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-network-696x369.png 696w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-network-1068x566.png 1068w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-network-792x420.png 792w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-network.png 1128w\" sizes=\"(max-width: 696px) 100vw, 696px\" \/><\/p>\n<p style=\"text-align: right;\" data-index=\"0\"><span style=\"font-size: 8pt;\"><a href=\"https:\/\/www.stellar.org\/how-it-works\/stellar-basics\/#how-it-works\" target=\"_blank\" rel=\"noopener\">Cr\u00e9dit dessin (Stellar.org)<\/a><\/span><\/p>\n<p data-index=\"0\">Tous les serveurs communiquent entre eux pour v\u00e9rifier les transactions et se synchroniser toutes les 3 \u00e0 5 secondes. Ce m\u00e9canisme s&rsquo;appelle un consensus. C&rsquo;est la mani\u00e8re dont les transactions sont valid\u00e9es et inscrites sur le registre distribu\u00e9. Ces r\u00e8gles de consensus suivent le <em>Stellar Consensus Protocol <\/em>(SCP), invent\u00e9 par David Mazi\u00e8res, dont <a href=\"https:\/\/medium.com\/a-stellar-journey\/on-worldwide-consensus-359e9eb3e949\" target=\"_blank\" rel=\"noopener\">le livre blanc est r\u00e9sum\u00e9 ici<\/a>.<\/p>\n<p data-index=\"0\"><img decoding=\"async\" class=\"alignnone size-large wp-image-953\" src=\"https:\/\/blockchain-x.eu\/wp-content\/uploads\/2018\/02\/stellar-networks-1024x564.png\" alt=\"\" width=\"696\" height=\"383\" srcset=\"https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-networks-1024x564.png 1024w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-networks-300x165.png 300w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-networks-768x423.png 768w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-networks-696x383.png 696w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-networks-1068x588.png 1068w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-networks-763x420.png 763w, https:\/\/theblockchainforgood.org\/wp-content\/uploads\/2018\/02\/stellar-networks.png 1910w\" sizes=\"(max-width: 696px) 100vw, 696px\" \/><\/p>\n<p style=\"text-align: right;\" data-index=\"0\"><span style=\"font-size: 8pt;\"><a href=\"https:\/\/www.stellar.org\/how-it-works\/stellar-basics\/#how-it-works\" target=\"_blank\" rel=\"noopener\">Cr\u00e9dit dessin (Stellar.org)<\/a><\/span><\/p>\n<p data-index=\"0\">Les Lumens (XLM), le crypto-actif de Stellar, n&rsquo;ont donc pas besoin d&rsquo;\u00eatre min\u00e9s, comme avec le protocole Bitcoin, qui repose lui sur un autre autre syst\u00e8me de validation et d&rsquo;inscription des transactions sur un registre distribu\u00e9 : <a href=\"https:\/\/blockchain-x.eu\/index.php\/2017\/12\/29\/comment-ca-marche\/\">le minage par la preuve de travail<\/a> (proof of work). Ils servent \u00e0 payer les frais de transactions sur le r\u00e9seau dont le d\u00e9tail <a href=\"https:\/\/www.stellar.org\/developers\/guides\/concepts\/fees.html\" target=\"_blank\" rel=\"noopener\">est publi\u00e9 ici<\/a>.<\/p>\n<p data-index=\"0\"><strong>Les banques ne sont pas court-circuit\u00e9es<\/strong><\/p>\n<p data-index=\"0\">Certains noeuds du r\u00e9seau Stellar sont appel\u00e9s des \u00ab\u00a0ancres\u00a0\u00bb. Les \u00ab\u00a0ancres\u00a0\u00bb agissent comme des entit\u00e9s de confiance entre une monnaie donn\u00e9e et le r\u00e9seau Stellar. Typiquement, les op\u00e9rateurs de paiement et les banques peuvent \u00eatre \u00ab\u00a0ancres\u00a0\u00bb sur le r\u00e9seau Stellar. Elles permettront aux utilisateurs de Stellar d&rsquo;utiliser des devises comme les dollars, les euros ou des francs CFA.<\/p>\n<div class=\"row\">\n<div class=\"col-md-8 social\">\n<article>\n<div class=\"desc\">\n<p>Comprenons bien que lorsque deux banques valident une transaction \u00e0 travers le r\u00e9seau Stellar, la transaction co\u00fbterait moins d&rsquo;un centime et prendraient 2 \u00e0 5 secondes. Avec cette infrastructure de paiement, les micro transactions transfrontali\u00e8res sont possibles puisque les frais y aff\u00e9rent sont d\u00e9risoires.<\/p>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"flex_cell_inner\">\n<p><strong>Quel est le mod\u00e8le \u00e9conomique de Stellar ?<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<p>Stellar.org est une organisation \u00e0 but non lucratif. \u00ab\u00a0<em>Notre mission est de connecter les gens \u00e0 des services financiers \u00e0 faible co\u00fbt pour lutter contre la pauvret\u00e9 et maximiser le potentiel individuel<\/em>. \u00c0 cette fin, nous ne facturons pas les personnes ou les institutions pour l&rsquo;utilisation du r\u00e9seau Stellar. Stellar.org couvre les co\u00fbts op\u00e9rationnels de plusieurs fa\u00e7ons : 5% des lumens (XLM) initiaux ont \u00e9t\u00e9 mis de c\u00f4t\u00e9 pour les co\u00fbts op\u00e9rationnels. Stellar.org accepte les dons d\u00e9ductibles du public. A ses d\u00e9buts, Stellar.org a re\u00e7u un financement\u00a0de d\u00e9marrage de la part de Stripe, ainsi que des dons de <a href=\"https:\/\/fr.wikipedia.org\/wiki\/BlackRock\" target=\"_blank\" rel=\"noopener\">BlackRock<\/a>, <a href=\"https:\/\/www.google.org\/\" target=\"_blank\" rel=\"noopener\">Google.org<\/a> et <a href=\"https:\/\/www.ffwd.org\/\" target=\"_blank\" rel=\"noopener\">FastForward<\/a>.<\/p>\n<div id=\"av_section_1\" class=\"avia-section main_color avia-section-default avia-no-shadow avia-bg-style-scroll avia-builder-el-9 el_after_av_layout_row avia-builder-el-last container_wrap fullsize\">\n<div class=\"container\">\n<div class=\"template-page content av-content-full alpha units\">\n<div class=\"post-entry post-entry-type-page post-entry-615\">\n<div class=\"entry-content-wrapper clearfix\">\n<div class=\"flex_column av_one_full flex_column_div av-zero-column-padding first avia-builder-el-10 avia-builder-el-no-sibling \">\n<div class=\"flex_cell_inner\">\n<div class=\"flex_column av_one_full flex_column_div av-zero-column-padding first avia-builder-el-5 avia-builder-el-no-sibling \">\n<p data-index=\"0\"><strong>Les concurrents<\/strong><\/p>\n<p>ABRA propose un service similaire : \u00ab\u00a0<em>Chez Abra,\u00a0nous rendons l&rsquo;argent mobile. Abra propose un portefeuille de monnaie num\u00e9rique sur smartphone bas\u00e9 sur le bitcoin. Acheter, vendre, stocker ou envoyer des devises fiat ou bitcoin. Notre vision est un syst\u00e8me financier mondial ouvert, facilement accessible \u00e0 tous<\/em>\u00a0\u00bb <a href=\"https:\/\/www.abra.com\/about-us\/\" target=\"_blank\" rel=\"noopener\">Source<\/a>.<\/p>\n<p>Ou encore la startup K\u00e9nyane <a href=\"https:\/\/www.bitpesa.co\/\" target=\"_blank\" rel=\"noopener\">BitPesa<\/a>\u00a0qui propose des services de transactions financi\u00e8res via Bitcoins depuis 2013. Les bitcoins, provenant g\u00e9n\u00e9ralement de l&rsquo;\u00e9tranger, sont convertis en monnaie locale et d\u00e9pos\u00e9s sur les comptes bancaires ou portefeuilles \u00e9lectroniques de l&rsquo;utilisateur. Le service a d&rsquo;abord \u00e9t\u00e9 pens\u00e9 pour faciliter le transfert d&rsquo;argent entre la diaspora kenyanne, entre ceux sur place et ceux \u00e0 l&rsquo;\u00e9tranger. Rapidement, des entreprises, principalement des PME l&rsquo;ont adopt\u00e9 comme moyen de paiement et Bitpesa a \u00e9largi son offre \u00e0 la Tanzanie, au Nig\u00e9ria ainsi qu&rsquo;en Ouganda.<\/p>\n<p><strong>Qui utilise Stellar ajourd&rsquo;hui ?\u00a0<\/strong><\/p>\n<p>Nous avons pos\u00e9 la question sur le forum Stellar de Reddit pour avoir quelques retours d&rsquo;exp\u00e9rience :\u00a0<a class=\"title may-blank loggedin \" tabindex=\"1\" href=\"https:\/\/www.reddit.com\/r\/Stellar\/comments\/82wipx\/who_use_stellar_not_to_speculate_but_withdraw\/\" rel=\"\" data-event-action=\"title\" data-href-url=\"\/r\/Stellar\/comments\/82wipx\/who_use_stellar_not_to_speculate_but_withdraw\/\" data-inbound-url=\"\/r\/Stellar\/comments\/82wipx\/who_use_stellar_not_to_speculate_but_withdraw\/?utm_content=title&amp;utm_medium=front&amp;utm_source=reddit&amp;utm_name=Stellar\">Who use Stellar (not to speculate but withdraw money) ?<\/a>\u00a0Pour comprendre le fonctionnement du r\u00e9seau Stellar, il faut comprendre qu&rsquo;un op\u00e9rateur de paiement local peut s&rsquo;interfacer avec le r\u00e9seau Stellar et ainsi utiliser leurs infrastructure de transfert d&rsquo;argent. C&rsquo;est le cas de l&rsquo;application <a href=\"http:\/\/clic.world\/\" target=\"_blank\" rel=\"noopener\">clic.world<\/a> utilis\u00e9e en Afrique ou <a href=\"https:\/\/coins.ph\/\" target=\"_blank\" rel=\"noopener\">coins.ph<\/a>\u00a0aux Philippines\u00a0:<\/p>\n<form id=\"form-t1_dvdjgeypmj\" class=\"usertext warn-on-unload\" action=\"https:\/\/www.reddit.com\/r\/Stellar\/comments\/82wipx\/who_use_stellar_not_to_speculate_but_withdraw\/#\">\n<div class=\"usertext-body may-blank-within md-container \">\n<div class=\"md\">\n<blockquote class=\"td_quote_box td_box_left\"><p><span style=\"font-size: 12pt;\">I travelled through the philipines using stellar a lot. Used the tempo.eu anchor to withdraw money through the coins.ph app and the security bank cardless atm. Saved me 100&rsquo;s of dollars in banking fee&rsquo;s. Even payed the load of my philiphine phone number with the coins.ph app.<\/span><\/p><\/blockquote>\n<\/div>\n<\/div>\n<\/form>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>Un<a href=\"https:\/\/www.reddit.com\/r\/Stellar\/comments\/7xxjl0\/since_my_flawless_experience_with_tempoeu_fiat\/\" target=\"_blank\" rel=\"noopener\"> autre t\u00e9moignage int\u00e9ressant<\/a>, \u00e9galement aux Philippines. En Colombie, la soci\u00e9t\u00e9 <a href=\"https:\/\/anclax.com\/\" target=\"_blank\" rel=\"noopener\">Anclax<\/a> permet de rejoindre le r\u00e9seau Stellar.<\/p>\n<p><strong>Et vous ? Que pensez-vous de Stellar ? L&rsquo;avez-vous d\u00e9j\u00e0 utilis\u00e9 ?<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Stellar, quelle application pratique ? Pour les personnes, Stellar permet de transf\u00e9rer de l&rsquo;argent (euros, dollars, yen&#8230;) \u00e0 une autre personne, dans n&rsquo;importe quelle devise (monnaie ou crypto-actif). L&rsquo;infrastructure de paiement fonctionne sur une blockchain et permet d&rsquo;effectuer une transaction en 2 \u00e0 5 secondes. Parce que les frais sont infimes, moins de un centime, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":709,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","itunes_episode_number":"","itunes_title":"","itunes_season_number":"","itunes_episode_type":"","footnotes":""},"categories":[42],"tags":[64,65,63,61,62,66],"class_list":["post-708","post","type-post","status-publish","format-standard","has-post-thumbnail","category-blockchain-transfert","tag-frais-de-transaction","tag-muti-devise","tag-paiement-transfrontalier","tag-stellar","tag-transfert-dactif","tag-transfert-dargent"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Stellar : du transfert d&#039;argent multi-devise et transfrontalier \u00e0 tr\u00e8s faible co\u00fbt - Blockchain for Good<\/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:\/\/theblockchainforgood.org\/index.php\/2018\/02\/11\/r3-une-blockchain-au-service-dun-consortium-de-banques-2\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stellar : du transfert d&#039;argent multi-devise et transfrontalier \u00e0 tr\u00e8s faible co\u00fbt - Blockchain for Good\" \/>\n<meta property=\"og:description\" content=\"Stellar, quelle application pratique ? Pour les personnes, Stellar permet de transf\u00e9rer de l&rsquo;argent (euros, dollars, yen&#8230;) \u00e0 une autre personne, dans n&rsquo;importe quelle devise (monnaie ou crypto-actif). L&rsquo;infrastructure de paiement fonctionne sur une blockchain et permet d&rsquo;effectuer une transaction en 2 \u00e0 5 secondes. 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