{"id":105166,"date":"2026-02-18T00:00:00","date_gmt":"2026-02-17T21:00:00","guid":{"rendered":"https:\/\/www.capmad.com\/papss-ou-stablecoins-quel-avenir-pour-les-paiements-en-afrique\/"},"modified":"2026-02-18T15:01:31","modified_gmt":"2026-02-18T12:01:31","slug":"papss-ou-stablecoins-quel-avenir-pour-les-paiements-en-afrique","status":"publish","type":"post","link":"https:\/\/www.capmad.com\/fr\/finance-fr\/papss-ou-stablecoins-quel-avenir-pour-les-paiements-en-afrique\/","title":{"rendered":"PAPSS ou Stablecoins : Quel Avenir pour les Paiements en Afrique ?"},"content":{"rendered":"<p>Les paiements intra-africains \u00e9voluent aujourd\u2019hui entre deux grandes infrastructures\u202f: les stablecoins, issus de la blockchain, et le PAPSS, pilier institutionnel de la ZLECAf. L\u2019avenir ressemblera bien plus \u00e0 un mod\u00e8le hybride qu\u2019\u00e0 un face-\u00e0-face o\u00f9 l\u2019un \u00e9liminerait l\u2019autre.<\/p>\n<h2>Pourquoi les paiements intra-africains doivent changer ?<\/h2>\n<p>Les paiements transfrontaliers restent parmi les plus chers et les plus lents au monde, avec une forte fragmentation li\u00e9e \u00e0 42 monnaies nationales et des r\u00e9glementations h\u00e9t\u00e9rog\u00e8nes. La d\u00e9pendance aux correspondants bancaires en dollars ou en euros allonge les d\u00e9lais (2 \u00e0 5 jours) et rench\u00e9rit les co\u00fbts, ce qui p\u00e8se directement sur le commerce intra-africain et les PME.<\/p>\n<p>En parall\u00e8le, les transferts de migrants vers l\u2019Afrique (environ 54\u202fmilliards de dollars en 2023) restent grev\u00e9s de commissions pouvant d\u00e9passer 6\u202fdollars pour 100\u202fdollars envoy\u00e9s, alors que les solutions num\u00e9riques commencent \u00e0 faire chuter cette facture.<\/p>\n<h2>PAPSS\u202f: l\u2019ossature r\u00e9glement\u00e9e des paiements intra-africains<\/h2>\n<p>Le PAPSS (Pan-African Payment and Settlement System), d\u00e9velopp\u00e9 par l\u2019Afreximbank avec l\u2019Union africaine, est une infrastructure de r\u00e8glement brut en temps r\u00e9el qui permet \u00e0 des entreprises de r\u00e9gler des transactions intra-africaines en monnaies locales. Concr\u00e8tement, la banque de l\u2019exportateur envoie les instructions de paiement \u00e0 la banque centrale, qui les transmet \u00e0 PAPSS, lequel les achemine vers la banque centrale et la banque du b\u00e9n\u00e9ficiaire avant que ce dernier ne re\u00e7oive les fonds en monnaie locale.<\/p>\n<p>PAPSS connecte les syst\u00e8mes RTGS des banques centrales, nettant chaque jour les positions entre devises africaines avant r\u00e8glement des soldes r\u00e9siduels par les banques centrales, ce qui r\u00e9duit le besoin en devises fortes et les d\u00e9lais de compensation. L\u2019objectif est clair\u202f: soutenir la ZLECAf en fluidifiant les paiements intra-africains et en limitant la fuite de valeur hors du continent.<\/p>\n<h2>Les nouveaut\u00e9s PAPSS\u202f: March\u00e9 des devises africaines<\/h2>\n<p>En juin 2025, PAPSS a lanc\u00e9 l\u2019\u00ab\u202fAfrican Currency Marketplace\u202f\u00bb, une plateforme de change permettant des r\u00e8glements directs en devises africaines, sans passer par le dollar ou l\u2019euro. Cette place de march\u00e9 vise \u00e0 rendre accessibles des centaines de corridors aujourd\u2019hui quasi inexploitables, faute de paires de devises directes fonctionnelles.<\/p>\n<p>Ce march\u00e9 entend r\u00e9duire les d\u00e9lais et les co\u00fbts li\u00e9s aux conversions multiples, tout en donnant une profondeur de march\u00e9 aux monnaies africaines peu liquides. Il se positionne comme un maillon strat\u00e9gique pour le commerce r\u00e9gional, mais \u00e9galement comme un futur pont avec les actifs num\u00e9riques, notamment les stablecoins.<\/p>\n<h2>Stablecoins\u202f: la nouvelle colonne vert\u00e9brale crypto des flux africains<\/h2>\n<p>Les stablecoins sont des crypto-actifs index\u00e9s sur une monnaie fiduciaire (souvent le dollar) ou sur un panier d\u2019actifs, pens\u00e9s pour offrir une valeur relativement stable. Entre mi\u20112024 et mi\u20112025, l\u2019Afrique subsaharienne a ainsi enregistr\u00e9 plus de 200\u202fmilliards de dollars de valeur transf\u00e9r\u00e9e on-chain, dont 43\u202f% via des stablecoins, signe d\u2019une adoption massive.<\/p>\n<p>En 2024, les stablecoins repr\u00e9sentaient d\u00e9j\u00e0 plus de 40\u202f% de l\u2019activit\u00e9 crypto en Afrique, port\u00e9s par les usages de paiements, de r\u00e8glement de commerce international et de couverture contre la d\u00e9pr\u00e9ciation des monnaies locales. Cette dynamique est particuli\u00e8rement forte au Nigeria, en Afrique du Sud et au Kenya, o\u00f9 la volatilit\u00e9 mon\u00e9taire et l\u2019inflation poussent particuliers et entreprises \u00e0 se tourner vers ces actifs num\u00e9riques.<\/p>\n<h2>Cas d\u2019usage concrets des stablecoins en Afrique<\/h2>\n<p>Les principaux usages des stablecoins sur le continent se structurent autour de quelques cas d\u2019usage dominants.<\/p>\n<ul>\n<li><b>Remises migratoires et paiements internationaux<\/b>\u202f: les utilisateurs \u00e9conomisent jusqu\u2019\u00e0 85\u202f% sur les co\u00fbts par rapport aux canaux traditionnels, avec des r\u00e8glements quasi instantan\u00e9s.<\/li>\n<li><b>Couverture contre l\u2019inflation<\/b>\u202f: dans les pays connaissant une forte d\u00e9pr\u00e9ciation de leur monnaie, les stablecoins adoss\u00e9s au dollar servent de r\u00e9serve de valeur et de compte d\u2019attente entre deux op\u00e9rations.<\/li>\n<li><b>Commerce transfrontalier et e\u2011commerce<\/b>\u202f: des PME importatrices\/exportatrices utilisent des stablecoins pour payer des fournisseurs, lisser les risques de change et r\u00e9duire les d\u00e9lais de r\u00e8glement sur plusieurs continents.<\/li>\n<\/ul>\n<p>En supprimant plusieurs interm\u00e9diaires, ces actifs permettent des r\u00e8glements en quelques minutes au lieu de jours, am\u00e9liorant la tr\u00e9sorerie et la flexibilit\u00e9 des entreprises.<\/p>\n<h2>Vers des stablecoins africains int\u00e9gr\u00e9s \u00e0 PAPSS<\/h2>\n<p>La mont\u00e9e en puissance des stablecoins soul\u00e8ve l\u2019id\u00e9e d\u2019une plateforme africaine de stablecoins, \u00e9voqu\u00e9e par des responsables comme Vera Songwe, pour booster le commerce intra-africain et r\u00e9duire encore les co\u00fbts de transferts. Des projets comme le cNGN au Nigeria montrent la voie de stablecoins adoss\u00e9s \u00e0 des monnaies locales, susceptibles d\u2019\u00eatre interfac\u00e9es avec des syst\u00e8mes comme PAPSS.<\/p>\n<p>Si PAPSS int\u00e9grait nativement des stablecoins r\u00e9glement\u00e9s (qu\u2019ils soient index\u00e9s sur le dollar ou sur des monnaies africaines), les entreprises pourraient arbitrer en temps r\u00e9el entre r\u00e8glement crypto et r\u00e8glement bancaire, selon les besoins de compliance, de liquidit\u00e9 et de couverture de change. Cela exigerait toutefois un travail r\u00e9glementaire coordonn\u00e9 sur la lutte contre le blanchiment, la gestion des r\u00e9serves et la supervision des \u00e9metteurs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les paiements intra-africains \u00e9voluent aujourd\u2019hui entre deux grandes infrastructures\u202f: les stablecoins, issus de la blockchain, et le PAPSS, pilier institutionnel de la ZLECAf. L\u2019avenir ressemblera bien<span class=\"excerpt-hellip\">\u2026<\/span><\/p>\n","protected":false},"author":76,"featured_media":105168,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7945],"tags":[],"location":[7949],"class_list":["post-105166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-fr","location-afrique-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v25.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PAPSS ou Stablecoins : Quel Avenir pour les Paiements en Afrique ?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PAPSS ou Stablecoins : Quel Avenir pour les Paiements en Afrique ?\" \/>\n<meta property=\"og:description\" content=\"Les paiements intra-africains \u00e9voluent aujourd\u2019hui entre deux grandes infrastructures\u202f: les stablecoins, issus de la blockchain, et le PAPSS, pilier institutionnel de la ZLECAf. 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