{"id":6014,"date":"2025-07-07T11:58:29","date_gmt":"2025-07-07T11:58:29","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=6014"},"modified":"2025-07-07T12:02:14","modified_gmt":"2025-07-07T12:02:14","slug":"brics-cross-border-payment-initiative-2025-2","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/brics-cross-border-payment-initiative-2025-2\/","title":{"rendered":"BRICS acc\u00e9l\u00e8re le plan de paiement transfrontalier"},"content":{"rendered":"<div data-page-id=\"Q7Kwd2n4soXNWKxFfFblsrfZgmh\" data-lark-html-role=\"root\" data-docx-has-block-data=\"true\">\n<div class=\"ace-line ace-line old-record-id-K6KMd01nto5v6LxG7YglQapogIf\">\n<p data-start=\"498\" data-end=\"799\">Alors que les tensions g\u00e9opolitiques s\u2019intensifient et que les infrastructures financi\u00e8res mondiales deviennent plus fragment\u00e9es, les pays BRICS \u2013 Br\u00e9sil, Russie, Inde, Chine et Afrique du Sud \u2013 franchissent une \u00e9tape d\u00e9cisive vers un syst\u00e8me de paiement et de r\u00e8glement transfrontalier ind\u00e9pendant.<\/p>\n<p data-start=\"801\" data-end=\"1112\">Le 7 juillet, lors de la r\u00e9union de coop\u00e9ration BRICS \u00e0 Rio de Janeiro, le ministre russe des Affaires \u00e9trang\u00e8res, Sergue\u00ef Lavrov, a confirm\u00e9 que les \u00c9tats membres collaborent \u00e0 une initiative strat\u00e9gique visant \u00e0 <strong data-start=\"1015\" data-end=\"1062\">r\u00e9duire leur d\u00e9pendance au dollar am\u00e9ricain<\/strong> et aux infrastructures domin\u00e9es par l\u2019Occident.<\/p>\n<blockquote data-start=\"1114\" data-end=\"1366\">\n<p data-start=\"1116\" data-end=\"1366\">\u00ab Nous d\u00e9veloppons une infrastructure ind\u00e9pendante de compensation et de d\u00e9p\u00f4t, y compris une nouvelle plateforme de r\u00e8glement \u00bb, a d\u00e9clar\u00e9 Lavrov. \u00ab Notre dispositif de r\u00e9serve de contingence est \u00e9galement renforc\u00e9 avec des alternatives au dollar. \u00bb<\/p>\n<\/blockquote>\n<\/div>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6011 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar2-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar2-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar2-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar2-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar2-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar2-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar2-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar2-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar2.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h2>\n<h3 data-start=\"1368\" data-end=\"1414\">\ud83d\udd04 Vers un r\u00e9seau de paiement multipolaire<\/h3>\n<p data-start=\"1416\" data-end=\"1635\">Cette initiative d\u00e9coule des r\u00e9solutions adopt\u00e9es lors du <strong data-start=\"1474\" data-end=\"1498\">sommet de Kazan 2024<\/strong>, et refl\u00e8te la volont\u00e9 croissante des \u00e9conomies \u00e9mergentes de renforcer leur autonomie financi\u00e8re. Parmi les \u00e9l\u00e9ments cl\u00e9s du projet :<\/p>\n<ul data-start=\"1637\" data-end=\"2120\">\n<li data-start=\"1637\" data-end=\"1765\">\n<p data-start=\"1639\" data-end=\"1765\"><strong data-start=\"1639\" data-end=\"1654\">BRICS Clear<\/strong> : une plateforme de r\u00e8glement ind\u00e9pendante facilitant les transactions transfrontali\u00e8res en monnaies locales<\/p>\n<\/li>\n<li data-start=\"1766\" data-end=\"1871\">\n<p data-start=\"1768\" data-end=\"1871\"><strong data-start=\"1768\" data-end=\"1798\">Syst\u00e8me de paiement unifi\u00e9<\/strong> : une alternative partielle \u00e0 SWIFT pour des paiements plus efficients<\/p>\n<\/li>\n<li data-start=\"1872\" data-end=\"1981\">\n<p data-start=\"1874\" data-end=\"1981\"><strong data-start=\"1874\" data-end=\"1913\">Capacit\u00e9s de r\u00e9assurance r\u00e9gionales<\/strong> : pour renforcer la r\u00e9silience financi\u00e8re face aux chocs externes<\/p>\n<\/li>\n<li data-start=\"1982\" data-end=\"2120\">\n<p data-start=\"1984\" data-end=\"2120\"><strong data-start=\"1984\" data-end=\"2024\">R\u00e9forme de la R\u00e9serve de Contingence<\/strong> : int\u00e9gration de r\u00e9serves non libell\u00e9es en dollars et de m\u00e9canismes de soutien \u00e0 la liquidit\u00e9<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2122\" data-end=\"2349\">Pour les prestataires de services de paiement internationaux (PSP) et les fintechs, ces \u00e9volutions exigent une <strong data-start=\"2233\" data-end=\"2310\">refonte des approches en mati\u00e8re de change, de liquidit\u00e9 et de conformit\u00e9<\/strong>, dans un monde d\u00e9sormais multipolaire.<\/p>\n<h3 data-start=\"686\" data-end=\"705\"><a href=\"https:\/\/buvei.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4750 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-832x249.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1248x374.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2.png 1442w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/h3>\n<h3 data-start=\"2351\" data-end=\"2396\">\ud83d\udcca Les chiffres qui soutiennent ce virage<\/h3>\n<p data-start=\"2398\" data-end=\"2459\">Lavrov a soulign\u00e9 le poids \u00e9conomique croissant des BRICS :<\/p>\n<ul data-start=\"2461\" data-end=\"2783\">\n<li data-start=\"2461\" data-end=\"2558\">\n<p data-start=\"2463\" data-end=\"2558\">Les \u00e9conomies BRICS repr\u00e9sentent <strong data-start=\"2496\" data-end=\"2556\">plus de 40 % du PIB mondial en parit\u00e9 de pouvoir d\u2019achat<\/strong><\/p>\n<\/li>\n<li data-start=\"2559\" data-end=\"2651\">\n<p data-start=\"2561\" data-end=\"2651\">Avec les pays partenaires, ce chiffre atteint 45 %, soit <strong data-start=\"2618\" data-end=\"2649\">93 000 milliards de dollars<\/strong><\/p>\n<\/li>\n<li data-start=\"2652\" data-end=\"2783\">\n<p data-start=\"2654\" data-end=\"2783\">Ensemble, les BRICS assurent <strong data-start=\"2683\" data-end=\"2719\">plus de 20 % du commerce mondial<\/strong> et regroupent <strong data-start=\"2734\" data-end=\"2781\">pr\u00e8s de la moiti\u00e9 de la population mondiale<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2785\" data-end=\"2994\">Ce poids \u00e9conomique conf\u00e8re aux BRICS une l\u00e9gitimit\u00e9 croissante pour <strong data-start=\"2854\" data-end=\"2897\">r\u00e9former le syst\u00e8me de paiement mondial<\/strong> et acc\u00e9l\u00e9rer l\u2019adoption des transactions en monnaies locales, en particulier dans le Sud global.<\/p>\n<h3 data-start=\"2996\" data-end=\"3046\"><\/h3>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6009 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar-1024x768.png\" alt=\"\" width=\"1024\" height=\"768\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar-1024x768.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar-300x225.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar-768x576.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar-400x300.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar-800x600.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar-832x624.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar-1248x936.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar.png 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h2>\n<h3 data-start=\"2996\" data-end=\"3046\">\ud83e\udded Quel impact pour le secteur des paiements ?<\/h3>\n<p data-start=\"3048\" data-end=\"3260\">Pour les PSP, les r\u00e9seaux de cartes et les \u00e9metteurs de cartes virtuelles comme <a class=\"\" href=\"https:\/\/www.buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"3128\" data-end=\"3162\"><strong data-start=\"3129\" data-end=\"3138\">Buvei<\/strong><\/a>, le projet BRICS repr\u00e9sente \u00e0 la fois <strong data-start=\"3201\" data-end=\"3256\">un d\u00e9fi d\u2019adaptation et une opportunit\u00e9 strat\u00e9gique<\/strong> :<\/p>\n<ul data-start=\"3262\" data-end=\"3722\">\n<li data-start=\"3262\" data-end=\"3434\">\n<p data-start=\"3264\" data-end=\"3434\"><strong data-start=\"3264\" data-end=\"3313\">La localisation mon\u00e9taire devient un standard<\/strong> : les solutions doivent prendre en charge un large \u00e9ventail de devises locales, et s\u2019int\u00e9grer aux futures normes BRICS<\/p>\n<\/li>\n<li data-start=\"3435\" data-end=\"3552\">\n<p data-start=\"3437\" data-end=\"3552\"><strong data-start=\"3437\" data-end=\"3476\">Les cadres de conformit\u00e9 \u00e9volueront<\/strong> : avec des r\u00e9glementations<a href=\"https:\/\/buvei.com\/blog\/kyc-vs-kyb-identity-business-verification\/\"> AML\/KYC<\/a> propres \u00e0 chaque juridiction \u00e9mergente<\/p>\n<\/li>\n<li data-start=\"3553\" data-end=\"3722\">\n<p data-start=\"3555\" data-end=\"3722\"><strong data-start=\"3555\" data-end=\"3604\">L\u2019interop\u00e9rabilit\u00e9 technique sera primordiale<\/strong> : les infrastructures devront fonctionner \u00e0 la fois avec SWIFT et avec les nouveaux syst\u00e8mes de r\u00e8glement r\u00e9gionaux<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3724\" data-end=\"3987\">Buvei se positionne d\u00e9j\u00e0 en acteur pr\u00e9curseur. Gr\u00e2ce \u00e0 <strong data-start=\"3779\" data-end=\"3883\">une architecture compatible multi-devises, une int\u00e9gration agile et des outils de conformit\u00e9 avanc\u00e9s<\/strong>, la plateforme permet \u00e0 ses clients internationaux de traverser cette transformation en toute s\u00e9curit\u00e9.<\/p>\n<\/div>\n<div>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6012 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar3-1024x579.png\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar3-1024x579.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar3-300x170.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar3-768x434.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar3-400x226.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar3-800x452.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar3-832x470.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar3-1248x705.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/BRICS-Advances-Cross-Border-Payment-Plan-to-Ditch-Dollar3.png 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h2>\n<\/div>\n<div data-page-id=\"Q7Kwd2n4soXNWKxFfFblsrfZgmh\" data-lark-html-role=\"root\" data-docx-has-block-data=\"true\">\n<h3 data-start=\"3989\" data-end=\"4058\">\ud83d\udd2e Perspectives : \u00e0 quoi s\u2019attendre lors du prochain sommet BRICS<\/h3>\n<p data-start=\"4060\" data-end=\"4185\">Le <strong data-start=\"4063\" data-end=\"4087\">17\u1d49 sommet des BRICS<\/strong>, pr\u00e9vu au Br\u00e9sil, mettra l\u2019accent sur plusieurs axes strat\u00e9giques au-del\u00e0 des paiements, dont :<\/p>\n<ul data-start=\"4187\" data-end=\"4461\">\n<li data-start=\"4187\" data-end=\"4265\">\n<p data-start=\"4189\" data-end=\"4265\">La r\u00e9silience des cha\u00eenes d\u2019approvisionnement m\u00e9dicales et pharmaceutiques<\/p>\n<\/li>\n<li data-start=\"4266\" data-end=\"4322\">\n<p data-start=\"4268\" data-end=\"4322\">La digitalisation du commerce et des infrastructures<\/p>\n<\/li>\n<li data-start=\"4323\" data-end=\"4403\">\n<p data-start=\"4325\" data-end=\"4403\">La gouvernance de l\u2019intelligence artificielle et la souverainet\u00e9 des donn\u00e9es<\/p>\n<\/li>\n<li data-start=\"4404\" data-end=\"4461\">\n<p data-start=\"4406\" data-end=\"4461\">Le financement climatique et l\u2019investissement durable<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4463\" data-end=\"4707\">Une chose est claire : <strong data-start=\"4486\" data-end=\"4544\">le centre de gravit\u00e9 des paiements mondiaux se d\u00e9place<\/strong>. Comme l\u2019a rappel\u00e9 Lavrov, \u00ab le Sud global et l\u2019Est deviennent les nouveaux moteurs de la croissance mondiale. Les BRICS sont au c\u0153ur de cette transformation. \u00bb<\/p>\n<p data-start=\"4709\" data-end=\"4958\"><a href=\"https:\/\/buvei.com\/\">Pour les fintechs comme Buvei<\/a>, c\u2019est l\u2019opportunit\u00e9 historique de <strong data-start=\"4774\" data-end=\"4842\">piloter l\u2019innovation dans un nouvel ordre financier multipolaire<\/strong>, en accompagnant leurs clients avec des solutions de paiement num\u00e9riques robustes et adapt\u00e9es \u00e0 cette nouvelle \u00e8re.<\/p>\n<div>\n<h3 data-start=\"686\" data-end=\"705\"><a href=\"https:\/\/buvei.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4750 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1024x307.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-832x249.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2-1248x374.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-2.png 1442w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/h3>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"Alors que les tensions g\u00e9opolitiques s\u2019intensifient et que les infrastructures financi\u00e8res mondiales deviennent plus fragment\u00e9es, les pays BRICS&hellip;","protected":false},"author":2,"featured_media":6019,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[329],"tags":[96,2613,334,623],"class_list":{"0":"post-6014","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news-fr","8":"tag-buvei-fr","9":"tag-cross-border-fr","10":"tag-payments-fr","11":"tag-virtual-cards-fr","12":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/6014","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/comments?post=6014"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/6014\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/6019"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=6014"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=6014"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=6014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}