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

Michael Saylor Rejects Protocol Yield In Bitcoin Digital Asset Stack

Michael Saylor reinforces his stance that Bitcoin should remain a pure digital capital asset without built-in protocol yields, as outlined in his "Digital Asset Stack" framework. He argues Bitcoin's value stems from its scarcity and neutrality, and that introducing staking or native yield would undermine its core purpose. Instead, yield should be generated through financial products and capital market structures built on top of Bitcoin, such as bitcoin-backed credit or corporate vehicles like his company, MicroStrategy (now Strategy). This view defends Bitcoin's role as a base-layer reserve asset while creating space for yield-generating instruments in layers above it. The ongoing debate centers on whether investors will prefer Bitcoin's simplicity or be drawn to other crypto assets offering protocol-level income, with implications for valuation and capital flows as institutional products evolve.

bitcoinist6m ago

Michael Saylor Rejects Protocol Yield In Bitcoin Digital Asset Stack

bitcoinist6m ago

Behind HYPE's Repeated Record Highs, the 'Minions' in the Ecosystem Can't Keep Up

While HYPE, the native token of the Hyperliquid ecosystem, surges to new all-time highs above $76 and attracts significant institutional ETF inflows, a starkly different reality unfolds within its HyperEVM application layer. Multiple core DeFi protocols across lending, NFTs, stablecoins, and DEXs have announced shutdowns between May and June. The article argues HYPE functions more like an "application stock" than a traditional ecosystem token. Its value is anchored to the trading fees from Hyperliquid's core perpetual contracts platform (HyperCore), which boasts a diversified revenue stream from crypto, commodities, and indices. Approximately 97% of protocol fees fund buybacks and burns of HYPE. This means HYPE's price is largely decoupled from the health of projects built on HyperEVM. The closures of significant projects like lending protocol HypurrFi (peak TVL >$300M) and NFT marketplace Drip.Trade highlight a structural tension. Hyperliquid's minimalist philosophy offers infrastructure without official grants, liquidity support, or marketing coordination for HyperEVM projects. This forces protocols into a fiercely competitive environment from day one. Furthermore, the success of HyperCore creates a liquidity vacuum, and mechanisms like HIP-3 (allowing direct perpetual market deployment) divert user attention and capital away from application-layer projects. The stronger the core perpetual trading business becomes, the more difficult it is for peripheral "DeFi lego" projects to survive and capture value, despite the flagship token's rising price.

Foresight News43m ago

Behind HYPE's Repeated Record Highs, the 'Minions' in the Ecosystem Can't Keep Up

Foresight News43m ago

Conversation with Arthur Hayes: AI Has Drained Market Liquidity, BTC Will Be Below 100k by Year-End

In this June 2026 podcast interview, BitMEX co-founder Arthur Hayes explains his decision to sell his major crypto holdings (HYPE, NEAR, Worldcoin, Zcash). His rationale is based on a macro view linking oil prices, the Iran conflict, US politics, and an impending AI bubble burst. Hayes argues that high oil prices, driven by the ongoing war, will pressure domestic US inflation. To salvage the Republican Party's chances in the midterm elections, he believes Donald Trump may pivot to a populist, anti-AI stance—advocating for taxes and regulation—which would deflate the AI investment narrative. He sees the AI sector, particularly massive capital expenditure on data centers, as having absorbed nearly all excess market liquidity (around $1.5 trillion in debt issuance since 2025), starving other assets like Bitcoin. He highlights the upcoming SpaceX IPO at a ~$1.8 trillion valuation and 100x price-to-sales ratio as a potential tipping point. If these hyped IPOs underperform, it could shatter market confidence in AI. In such a scenario, all risk assets, including crypto, would fall together as correlations converge to 1 during a broad correction. Hayes has moved his portfolio into Treasuries and energy stocks (like ExxonMobil), predicting Bitcoin will be below $100k by year-end. He sees a potential crypto bull market only after the AI frenzy cools, liquidity stops flowing exclusively into AI, and possibly after a significant market downturn prompts new monetary stimulus.

marsbit54m ago

Conversation with Arthur Hayes: AI Has Drained Market Liquidity, BTC Will Be Below 100k by Year-End

marsbit54m ago

Bitcoin Decouples From Global M2 Liquidity As Money Supply Hits Record High

Bitcoin is diverging from a record-high global M2 money supply (over $135 trillion), challenging the historical assumption that rising liquidity directly lifts BTC prices. While a bullish view suggests Bitcoin is merely lagging and will eventually catch up as capital rotates into riskier assets, a more cautious "regime-change" argument posits that factors like spot ETFs, institutional flows, and a stronger dollar may have weakened the direct correlation. For traders, this divergence presents a clear macro question to monitor: whether Bitcoin's price will confirm a delayed rally or signal a lasting change in its relationship with global liquidity. The outcome will shape how future liquidity data is interpreted.

bitcoinist1h ago

Bitcoin Decouples From Global M2 Liquidity As Money Supply Hits Record High

bitcoinist1h ago

Fed's Internal Doves Flock to Hawkish Stance, Warsh's Debut "Between a Rock and a Hard Place"

U.S. Federal Reserve officials who previously advocated for rate cuts, including Governor Christopher Waller, have recently shifted their stance, with many now not ruling out the possibility of future rate hikes. This sets a challenging stage for new Fed Chair Kevin Warsh's first policy meeting. Appointed by President Trump based on his dovish views, Warsh now faces a committee where the debate has pivoted from "when to cut" to "whether to hike," driven by persistent inflation above 3%, a strong labor market, and supply-side pressures from AI infrastructure demands and geopolitical tensions. Key figures illustrate the shift. Governor Waller, once concerned about employment, now says data has pushed him toward considering rate increases. Even moderate voices like Governor Lisa Cook, while expecting inflation to ease, have indicated readiness to hike if it fails to do so. Long-time hawks such as regional Fed presidents Beth Hammack, Lorie Logan, and Neel Kashkari have grown more vocal, arguing that the real policy rate is effectively falling and that action may soon be needed. The upcoming Fed meeting is expected to keep rates steady but will likely remove the "easing bias" from its statement, signaling a neutral stance between cuts and hikes. The quarterly "dot plot" is anticipated to show most officials projecting no cuts this year, with some potentially indicating hikes. Chair Warsh, a critic of the Fed's reliance on forward guidance like the dot plot, must navigate communicating this pivot using tools he has questioned, all while steering policy in a direction counter to the preferences of the president who appointed him. The consensus suggests the Fed's next move could well be a rate increase.

marsbit1h ago

Fed's Internal Doves Flock to Hawkish Stance, Warsh's Debut "Between a Rock and a Hard Place"

marsbit1h ago

Trading

Spot

Futures

Hot Articles

What Are the Differences Between Bitcoin ETFs and Trusts? Why Has the US SEC Been Hesitant to Approve Spot Bitcoin ETFs?

1.9k Total ViewsPublished 2023.07.28Updated 2024.01.10

How to Buy US

Welcome to HTX.com! We've made purchasing Talus Network (US) simple and convenient. Follow our step-by-step guide to embark on your crypto journey.Step 1: Create Your HTX AccountUse your email or phone number to sign up for a free account on HTX. Experience a hassle-free registration journey and unlock all features.Get My AccountStep 2: Go to Buy Crypto and Choose Your Payment MethodCredit/Debit Card: Use your Visa or Mastercard to buy Talus Network (US) instantly.Balance: Use funds from your HTX account balance to trade seamlessly.Third Parties: We've added popular payment methods such as Google Pay and Apple Pay to enhance convenience.P2P: Trade directly with other users on HTX.Over-the-Counter (OTC): We offer tailor-made services and competitive exchange rates for traders.Step 3: Store Your Talus Network (US)After purchasing your Talus Network (US), store it in your HTX account. Alternatively, you can send it elsewhere via blockchain transfer or use it to trade other cryptocurrencies.Step 4: Trade Talus Network (US)Easily trade Talus Network (US) on HTX's spot market. Simply access your account, select your trading pair, execute your trades, and monitor in real-time. We offer a user-friendly experience for both beginners and seasoned traders.

4.9k Total ViewsPublished 2025.12.11Updated 2026.06.02

HTX Learn: Complete a Tutorial on US to Share 5,000 USDT in US

To help you grasp the essence of US, HTX Learn has launched this Learn & Earn campaign.

36.9k Total ViewsPublished 2026.03.18Updated 2026.03.19

HTX Learn: Complete a Tutorial on US to Share 5,000 USDT in US

Discussions

Welcome to the HTX Community. Here, you can stay informed about the latest platform developments and gain access to professional market insights. Users' opinions on the price of US (US) are presented below.