YouTube se tourne vers la crypto : l'option de paiement en stablecoin PYUSD désormais disponible pour les créateurs américains

bitcoinistPublished on 2025-12-12Last updated on 2025-12-12

Abstract

YouTube a discrètement introduit une nouvelle option de paiement permettant aux créateurs américains de recevoir leurs revenus en PYUSD, le stablecoin adossé au dollar de PayPal. Le système fonctionne via l'infrastructure de paiement existante de PayPal : YouTube calcule les gains en dollars, puis PayPal effectue la conversion en stablecoin. Pour l'instant, cette option est réservée aux créateurs éligibles basés aux États-Unis. Elle s'applique aux revenus publicitaires et aux abonnements payants. Les créateurs peuvent conserver ces actifs numériques, les dépenser via les plateformes acceptant PayPal ou les reconvertir en devise fiduciaire. Bien que cette flexibilité soit avantageuse, elle implique des considérations fiscales et de sécurisation différentes des virements bancaires traditionnels. Le PYUSD, lancé en 2023, représente désormais près de 4 milliards de dollars en circulation, montrant son adoption croissante.

YouTube a discrètement ajouté une nouvelle option de paiement permettant aux créateurs basés aux États-Unis de recevoir leurs revenus en PYUSD, le jeton indexé sur le dollar de PayPal. Selon plusieurs rapports, ce changement semble désormais actif et est proposé via l'infrastructure de paiement de PayPal, et non par le biais d'une quelconque détention directe de crypto-monnaies par YouTube.

Fonctionnement de l'option

La responsable des crypto-monnaies de PayPal, May Zabaneh, a confirmé la configuration à Fortune et a déclaré que l'entreprise utilise son réseau de paiement existant pour livrer le PYUSD aux bénéficiaires qui optent pour ce mode de règlement.

Cela signifie que YouTube calculera et enverra toujours les revenus des créateurs en dollars vers le système de PayPal, et PayPal sera alors responsable de la conversion en stablecoin et de la distribution aux créateurs. Cette initiative s'inscrit dans le cadre de la stratégie plus large de PayPal visant à proposer des outils de stablecoin aux entreprises et aux utilisateurs individuels.

PYUSD a été introduit par PayPal en 2023 et a depuis été intégré à des services tels que Venmo et les outils marchands de PayPal. Les rapports ont clairement indiqué que YouTube lui-même ne détient ni ne déplace de crypto-monnaies pour le compte des créateurs ; c'est PayPal qui gère le côté jeton.

Portée et disponibilité

Pour le moment, l'option n'est disponible que pour les créateurs basés aux États-Unis. Un porte-parole de Google a confirmé le déploiement mais a refusé de communiquer un calendrier pour une éventuelle extension au-delà des utilisateurs américains.

Les créateurs éligibles aux programmes de monétisation de YouTube pourront peut-être opter pour cette nouvelle méthode de paiement pour leurs revenus mensuels, tels que les revenus publicitaires et les abonnements payants.

Capitalisation boursière totale du marché des crypto-monnaies actuellement à 3,1 billions de dollars. Graphique : TradingView

Certains créateurs apprécieront ce choix supplémentaire. Recevoir du PYUSD pourrait permettre à un créateur de détenir un jeton indexé sur le dollar onchain, de le dépenser là où les outils PayPal l'acceptent, ou de le reconvertir en monnaie fiduciaire via PayPal.

Il y a des compromis : détenir un stablecoin implique des considérations de garde et de fiscalité différentes d'un virement bancaire direct. Les systèmes de déclaration et les règles bancaires peuvent varier selon la manière dont le créateur finalement encaisse ses fonds.

À quoi les créateurs doivent-ils s'attendre

L'étape d'inscription devrait être familière à toute personne utilisant déjà les paiements PayPal sur YouTube ; elle apparaîtra probablement comme une méthode de paiement alternative dans les paramètres du créateur.

Une fois choisie, les paiements transiteront par le système de paiement établi de PayPal et apparaîtront sous forme de PYUSD dans le portefeuille compatible du bénéficiaire ou dans son solde PayPal, selon les descriptions circulant dans la presse spécialisée.

PYUSD en chiffres

La présence onchain du PYUSD a rapidement augmenté. Les trackers de marché répertorient le stablecoin avec une valeur circulante proche de 4 milliards de dollars et environ 3,8 milliards de jetons en circulation actuellement, des chiffres qui soulignent l'expansion considérable du jeton depuis son lancement.

Image vedette de Unsplash, graphique de TradingView

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Related Questions

QQuelle est la nouvelle option de paiement offerte par YouTube aux créateurs américains ?

AYouTube permet désormais aux créateurs américains de recevoir leurs revenus en PYUSD, le stablecoin adossé au dollar de PayPal.

QQuelle entreprise gère la conversion et la distribution du PYUSD pour YouTube ?

APayPal est responsable de la conversion des dollars en stablecoin PYUSD et de sa distribution aux créateurs, via son réseau de paiement existant.

QLe PYUSD est-il disponible pour tous les créateurs YouTube dans le monde ?

ANon, cette option n'est actuellement disponible que pour les créateurs basés aux États-Unis. Aucun calendrier d'expansion n'a été communiqué.

QQuels sont les avantages pour un créateur de recevoir ses paiements en PYUSD ?

ALes créateurs peuvent détenir un stablecoin adossé au dollar sur la blockchain, le dépenser là où les outils PayPal sont acceptés, ou le reconvertir en monnaie fiduciaire via PayPal.

QQuelle est la capitalisation actuelle du PYUSD selon l'article ?

ALe PYUSD a une valeur circulante proche de 4 milliards de dollars, avec environ 3,8 milliards de tokens en circulation.

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