{"id":37293,"date":"2026-05-29T10:08:00","date_gmt":"2026-05-29T10:08:00","guid":{"rendered":"https:\/\/volity.io\/non-classifiee\/what-is-a-fiat-ramp\/"},"modified":"2026-05-29T10:08:58","modified_gmt":"2026-05-29T10:08:58","slug":"what-is-a-fiat-ramp","status":"publish","type":"post","link":"https:\/\/volity.io\/fr\/glossaire\/what-is-a-fiat-ramp\/","title":{"rendered":"Qu&rsquo;est-ce qu&rsquo;un fiat ramp"},"content":{"rendered":"<h2>Comment \u00e7a fonctionne<\/h2>\n<p>L&rsquo;utilisateur alimente un compte sur une plateforme fiat-vers-crypto r\u00e9gul\u00e9e (un exchange centralis\u00e9, un broker ou un fournisseur d&rsquo;on-ramp d\u00e9di\u00e9) par virement ACH, SEPA, carte de d\u00e9bit ou virement bancaire. La plateforme d\u00e9tient le d\u00e9p\u00f4t, ex\u00e9cute la conversion au taux de march\u00e9 plus un spread ou des frais, et cr\u00e9dite le wallet de l&rsquo;utilisateur avec la crypto \u00e9quivalente. La v\u00e9rification KYC est requise sur virtuellement chaque ramp r\u00e9gul\u00e9.<\/p>\n<h2>Exemple<\/h2>\n<p>Vous virez 10 000 $ \u00e0 Coinbase. Deux jours ouvrables plus tard les fonds arrivent. Vous convertissez en USDC sans frais, ou en BTC \u00e0 un spread de 1,5 pour cent. Vous pouvez garder la crypto sur la plateforme ou la retirer vers votre propre wallet. Pour faire un off-ramp, vous revendez en USDC ou fiat sur la m\u00eame plateforme et demandez un retrait bancaire, g\u00e9n\u00e9ralement r\u00e9gl\u00e9 le jour m\u00eame ou le jour ouvrable suivant dans les juridictions support\u00e9es.<\/p>\n<h2>Pourquoi c&rsquo;est important<\/h2>\n<p>Les fiat ramps sont le goulot d&rsquo;\u00e9tranglement entre le syst\u00e8me financier traditionnel et la crypto. Ils d\u00e9terminent o\u00f9 les utilisateurs retail peuvent entrer sur le march\u00e9, quel KYC ils passent et quels frais ils paient. Un acc\u00e8s limit\u00e9 aux fiat ramps dans certains pays laisse les utilisateurs d\u00e9pendants des march\u00e9s peer-to-peer, des desks OTC ou de proxies stablecoin. L&rsquo;on-ramp est l&rsquo;endroit o\u00f9 la r\u00e9gulation est la plus susceptible de mordre en premier ; choisissez un fournisseur r\u00e9gul\u00e9 dans votre juridiction.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comment \u00e7a fonctionne L&rsquo;utilisateur alimente un compte sur une plateforme fiat-vers-crypto r\u00e9gul\u00e9e (un exchange centralis\u00e9, un broker ou un fournisseur d&rsquo;on-ramp d\u00e9di\u00e9) [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":37374,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"custom_schema":"","footnotes":""},"categories":[258],"tags":[],"class_list":["post-37293","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-glossaire"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Qu&#039;est-ce qu&#039;un fiat ramp<\/title>\n<meta name=\"description\" content=\"Un fiat ramp convertit la monnaie fiat en crypto via rails de paiement r\u00e9gul\u00e9s. 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