Le jeton d'or XAUt de Tether obtient une certification Shariah pour étendre l'accès à la finance islamique

cointelegraphPublished on 2026-07-27Last updated on 2026-07-27

Abstract

Le jeton XAUt adossé à l'or de Tether a obtenu une certification de conformité à la charia (finance islamique) de la part d'Amanah Advisors. Cette certification atteste que sa structure respecte les principes clés, notamment sa couverture intégrale par de l'or physique, l'absence d'intérêts (riba) et de levier, ainsi que la transparence de ses réserves. Chaque jeton XAUt représente une once troy d'or physique stockée en Suisse. Cette décision ouvre la voie à une commercialisation auprès des institutions et investisseurs islamiques recherchant des produits conformes à la charia, notamment dans les régions du Golfe, d'Asie du Sud et d'Afrique. XAUt, l'un des plus grands produits d'or tokenisés, était adossé à plus de 707 000 onces d'or (évaluées à plus de 3,3 milliards de dollars fin mars), et sa valeur sur la blockchain a significativement augmenté. Ce développement s'inscrit dans une tendance plus large de création de produits cryptographiques conformes à la charia, répondant aux débats sur la compatibilité des actifs numériques avec les principes islamiques. D'autres initiatives, comme le stablecoin PUSD ou les stratégies d'entreprises du Golfe, visent également le marché de la finance islamique, estimé à plus de 3 000 milliards de dollars. Parallèlement, Dubaï consolide sa position de plaque tournante régionale pour les actifs numériques avec un cadre réglementaire en expansion.

Le jeton adossé à l'or de Tether, XAUt, a obtenu une certification Shariah de la part d'Amanah Advisors, une décision qui pourrait élargir l'accès au jeton auprès des institutions financières islamiques et des investisseurs recherchant une exposition conforme à la charia à l'or physique.

La certification a conclu que la structure du XAUt respecte les principes clés de la finance islamique, notamment la couverture intégrale par de l'or physique, l'absence d'intérêt et d'effet de levier, ainsi que des réserves transparentes. Chaque jeton XAUt représente une once troy d'or physique stockée dans des coffres suisses, selon Tether.

Cette désignation offre à Tether une voie plus claire pour commercialiser le XAUt auprès des institutions financières islamiques et des investisseurs qui nécessitent des produits d'investissement conformes à la charia. Tether a déclaré s'attendre à ce que cette certification favorise l'adoption dans les marchés où la finance islamique est largement utilisée, notamment le Conseil de coopération du Golfe, l'Asie du Sud et certaines parties de l'Afrique.

Le XAUt est l'un des plus grands produits d'or tokenisés sur le marché des cryptomonnaies. Le dernier rapport sur les réserves de Tether a montré que le jeton était adossé à plus de 707 000 onces troy d'or physique, d'une valeur supérieure à 3,3 milliards de dollars au 31 mars.

Selon les données de RWA.xyz, la valeur d'actif onchain du jeton est passée d'environ 700 millions de dollars en juillet 2025 à environ 2,5 milliards de dollars.

L'or tokenisé de Tether. Source : RWA.xyz

Article connexe : Kraken se rapproche d'un lancement aux EAU après l'approbation réglementaire de Dubaï

Les produits cryptographiques conformes à la charia gagnent du terrain

Les cryptomonnaies ont longtemps divisé les érudits islamiques, les débats portant sur la question de savoir si les actifs numériques sont conformes aux principes de la charia qui interdisent l'incertitude excessive, la spéculation et l'intérêt. Alors que les entreprises cherchent à répondre à ces préoccupations, des actifs numériques conformes à la charia ont commencé à émerger.

Un premier exemple est survenu en 2025, lorsque le groupe de restaurants AlAbraaj, basé à Bahreïn, a adopté une stratégie de trésorerie en Bitcoin (BTC) et a déclaré prévoir de développer des instruments financiers conformes à la charia pour élargir l'accès au Bitcoin dans le monde islamique.

Plus récemment, en avril, Palm Azgar Finance a étendu son stablecoin conforme à la charia, le PUSD, à ADI Chain, ciblant le marché de la finance islamique de plus de 3 000 milliards de dollars. Le PUSD est devenu le deuxième stablecoin disponible sur le réseau, permettant aux institutions de régler des transactions en utilisant soit un actif lié au dollar, soit un jeton libellé en dirhams sur la même infrastructure.

Parallèlement, Dubaï est devenu un pôle cryptographique leader au Moyen-Orient, continuant d'étendre son marché d'actifs numériques réglementé. Plus tôt ce mois-ci, l'Autorité de régulation des actifs virtuels (VARA) de l'émirat a délivré son 50e licence de prestataire de services d'actifs virtuels, dépassant ainsi le nombre d'entreprises cryptographiques agréées à Hong Kong et à Singapour.

Magazine : Les espoirs pour CLARITY s'estompent, BitMEX ferme tandis qu'un procès approche : Hodler’s Digest, 26 juillet

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Related Questions

QQuel est le principal objectif de l'obtention de la certification Shariah pour le token XAUt de Tether ?

AL'obtention de la certification Shariah a pour objectif principal d'élargir l'accès au token XAUt parmi les institutions financières islamiques et les investisseurs recherchant une exposition au physique conforme à la loi islamique.

QSelon l'article, quelles caractéristiques clés de la structure du XAUt garantissent sa conformité aux principes de la finance islamique ?

ASa structure est conforme car elle repose sur un adossement intégral à de l'or physique, l'absence d'intérêt (riba) et d'effet de levier, ainsi que des réserves transparentes.

QQuelles régions ou marchés Tether espère-t-il toucher grâce à cette certification Shariah pour le XAUt ?

ATether s'attend à ce que la certification soutienne l'adoption dans les marchés où la finance islamique est largement utilisée, notamment le Conseil de coopération du Golfe, l'Asie du Sud et certaines parties de l'Afrique.

QD'après le dernier rapport de réserves de Tether cité, quelle était la valeur de l'or physique adossant le XAUt au 31 mars ?

ALe rapport indique que le token était adossé à plus de 707 000 onces troy d'or physique, d'une valeur de plus de 3,3 milliards de dollars au 31 mars.

QQuel autre exemple récent d'actif numérique conforme à la Shariah est mentionné dans l'article, en dehors du XAUt ?

AL'article mentionne que Palm Azgar Finance a étendu son stablecoin conforme à la Shariah, le PUSD, à ADI Chain en avril, ciblant le marché de la finance islamique de plus de 3 000 milliards de dollars.

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892 Total ViewsPublished 2025.01.14Updated 2025.01.14

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