Crypto-monnaies : dites adieu à votre banquier !

Crypto-monnaies : dites adieu à votre banquier !

Ces derniers mois, le cours des crypto-monnaies les plus connues (Bitcoin, Bitcoin Cash, Ethereum, Litecoin,…) ont connu un essor sans précédent depuis leur création. Avec plus de 500 milliards de Dollards de capitalisation boursière, je vous vois déjà installé sur votre canapé, rajustant vos lunettes de vue: « Hé Brigitte t’as vu ? On va investir dans le Bitcoin, paraît que ça rapporte ! » Et oui… c’est risqué, lucratif, moderne. Bref, tout ce qu’il faut pour être sexy et attrayant, n’en déplaise à votre banquier.

Bien évidemment, lorsque vous avez voulu sauter le pas et investir dans Coinbase, l’une des plateformes internet permettant de jouer les mini-trader, et l’une des applications les plus téléchargées dans l’App Store, il a bien fallu rassurer votre entourage, qui s’est empressé de vous demander « Qu’est-ce que c’est encore que cette connerie ? ». Vous avez bien essayé de leur expliquer le mode de production du bitcoin. Vous aviez bien bossé votre sujet et vous n’avez rien laissé au hasard mais malheureusement, le chapitre sur le « cloud mining » reste encore assez abstrait pour vous. Pas grave, inutile de rattraper vos connaissances techniques puisque vous en êtes convaincu, le bitcoin c’est super. Il a déjà pris 20 dollards rien qu’en lisant ces lignes … Non vraiment, la meilleure invention de l’année.

Bref, tout ça pour dire que, le Bitcoin, personne ne sait vraiment comment ça marche, comment c’est régulé, on sait simplement que cette monnaie est liée à l’émergence du darknet et que ça fait jaser pas mal de monde, jusqu’aux JT de 20h.

Le bitcoin, bien pratique puisqu’intraçable, il servait notamment à se procurer des marchandises ou des services plus ou moins légaux. Cette monnaie est devenue célèbre en 2014, mais ce n’est que récemment, vers la fin de l’année 2017 qu’elle est réellement devenue connue du grand public. De 750$/BTC en décembre 2016, le cours est monté à 19 891$ en décembre 2017, et vous ne cessez depuis de vous flageller, en ruminant inlassablement toutes les paires de chaussures que vous auriez pu acheter si vous aviez investi à temps. Oui, c’est rageant. Mais est-il trop tard ?

Oui et Non, car les crypto-monnaient révolutionnent profondément les bases de notre société en créant une économie indépendante de l’état, donc non taxée (pour le moment), ce qui n’a de cesse de créer de l’engouement. C’est aussi une monnaie extrêmement volatile, qui a d’ailleurs fortement chuté en ce début d’année. Comprenez qu’il vous faut être prudent dans vos investissements. Attendez-donc un peu avant d’hypothéquer votre maison.

Il n’en reste pas moins que l’atout majeur est la totale absence des banques dans les  transactions. Vous pouvez ainsi capitaliser une monnaie sans qu’elle n’apparaisse sur votre compte. L’individu court-circuite le grand capital, du jamais vu. Mais une telle manœuvre est-elle souhaitable, quelles en sont les conséquences ? Un tel bouleversement engendrerait inévitablement une déstabilisation économique qui n’est pas sans risque mais chacun aura son avis sur la question.
L’impopularité du système bancaire actuel avec son lot de magouilles sous-jacentes sert aujourd’hui de terreau fertile au développement d’une révolution financière numérique, qui espérons-le, aura encore de beaux jours devant elle.

 

Par Karla Bernat.

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