Qu'est-ce qui fait qu'il est préférable pour un expéditeur de transférer de l'argent par crypto-monnaie que par l'intermédiaire de banques?

Tony Chan

Tony Chan, Investisseur de crypto-monnaies. Apprenez de Quorans tous les jours.

Répondu il y a 64w · L'auteur dispose de réponses 403 et de vues de réponses 256.4k

Time and cost.

Not necessarily in your case from France to Singapore. Most people are “banked” in France and Singapore. They can transfer $ with their banks. Time and cost depends. It could be very low (hours + $50) for high networth or frequent bank clients. It could be higher for “regular” clients (few days + few %).

The impact will come from the “unbanked” people in developing world. From the Don Tapscott’s book Blockchain Revolutioin , he writes about Filipino foreign workers sending $ home via Western Union. It takes more than a week and cost up to 20–30%. He also has examples from Kenya and Nicaragua. There are billions of “unbanked” people in this world with smartphone + internet but no access to banks and financial market.

Blockchain can transfer within minutes to hours with a fraction of the transfer amount. What would the world become if they have access to financial market without banks and credit!!! Big potential!!!

Faisal Khan

Faisal Khan, Interagissez quotidiennement avec les banquiers et les banques.

Répondu il y a 64w · L'auteur dispose de réponses 5.4k et de vues de réponses 16.5m

Speed essentially.

With crypto-currency, you would be able to send à travers the value, within minutes. The question however is of the last mile. How much time does it takes to take fiat money in France and buy crypto to send to Singapore, where the crypto must be converted back to fiat and then deposited.

In today environment the example you cite is not so easily doable. Whilst crypto can be sent easily across, obtention crypto to send and conversion crypto to fiat on the receiving end takes time and often costs more. More than what you ask? More than the cost of doing a traditional money transfer. I want to stress the fact that in some remittance corridors, it costs about the same or slightly less (where the traditional cost of sending money is much higher than say 4.0%), but otherwise, traditional transfers and crypto transfers are quite comparable.

Weldon Dunlap

Weldon Dunlap, Statistiques Bsas, ​​Swts

Répondu il y a 63w · L'auteur dispose de réponses 4k et de vues de réponses 1.2m

Speed of transactions, currency exchange rate vulnerability and variability is reduced, fraud and counterfeiting are difficult.

See ripple

7 Incredible Benefits Of Cryptocurrency


5 Benefits of Cryptocurrency: A New Economy For The Future

Joseph Wang

Joseph Wang, http://www.bitquant.com.hk/

Répondu il y a 63w · L'auteur dispose de réponses 15.7k et de vues de réponses 43.1m

Speed and traceability.

Going through the traditional financial system is what I call “pay and pray”. If you send your money through the banks, you have no idea where your money is, and if something goes wrong, you have no way of tracing what happened.

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If you want to transfer between your account in France and your account in Singapore, then you don’t have much advantage. However, if you transfer between your account in France and someone else’s account in Singapore, then bitcoin shines. Suppose you send off a bank wire, and they claim they never got it. It turns out that they could be totally lying, but it is *very* *very* difficult to establish that. With bitcoin, it turns out that you can tell instantly where they money is.

Also, you can save money by automation. OK, now you’ve sent the money, and you need to do your books. It turns out that you are now looking at lots of paper documents, where it’s pretty trivial to hire a coder to write a script that dumps the payments into Excel.

Elza Hovh

Elza Hovh, SMM indépendant

Répondu il y a 13w · L'auteur dispose de réponses 193 et de vues de réponses 83.9k

To simplify the answer to the question, we will narrow the field to one side of this new technology (which is also the one most used by critics), namely the ability to make currency transactions in a more efficient way.

Today, using fiat currencies, that is, our regular Euros, Dollars, Yuan, we have deux façons to move money from one part of the world to another:

– credit cards (and apps for mobile phones that, despite being seemingly new, are all still based on this system)

– banking transactions

Therefore, to compare these systems with cryptocurrencies, we need to consider the following parameters:

– Transaction volumes

– Transaction speed

– Costs

– Anonymity

– Un-breachability

Transaction volumes

Bitcoin is able to process three transactions per second, while ethereum processes five transactions per second.

By way of comparison, Uber processes 12 trips per second and Visa handles 5000 transactions per second (but has the capacity to reach 50,000).

To be remotely competitive, digital blockchain-based currencies would have to increase their capacity by at least a thousand times.

Currently, the only way to solve the issue (as is the case with Stellar and similar systems) is to only move formal encodings of a transfer, without an actual transfer within a blockchain (intuitively speaking, we can imagine it as the difference between a credit card payment – i.e. a simple formal credit – and a wire transfer – i.e. an actual transfer of currency).

This solution would unfortunately deprive the sums transferred of the anonymity and un-breachability they enjoy as long as they remain recorded within the blockchain, therefore cancelling the main advantages of their being cryptocurrencies ( in fact, they would become digital currency, similar to fiat currency).

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Vitesse de transaction

For fiat currencies, a distinction must be made between the actual transfer of currency (by wire transfer) and paiements numériques, which consist of a crediting of currency from one account to another without a proper transfer.

A transférer abroad takes about 3-5 days.

A payment made by carte de crédit instead allows the immediate crediting of the amount spent.

Cryptocurrency transfers take place somewhere between the two cases above, ranging from a few minutes to several hours, depending on the transaction volume, or a few days in extreme cases.

It must also be pointed out that the issue with volumes mentioned previously is also a limit for speed, since faced with a number of users higher than usual, the transaction capacity would simply be zero, so it would no longer make sense to talk about speed.


A carte de crédit costs an average of 100 Euros per year (depending on the type of card, the cost may be higher or lower than this figure) and involves additional costs for each cash withdrawal and currency exchange, in the event that you make payments abroad in countries with currencies other than the one in which the card is designated.

In online transfers (the least expensive, when it comes to fiat currency), the costs often only apply to transfers abroad.

For example, a million dollars transferred abroad costs about USD 70 and may involve a potential loss due to the exchange rate of between 1% and 3% of the amount transferred (the same loss, of course, must also be calculated for payments made by credit card).

So, in the example of our million dollars, the exchange rate could cost between USD 10,000 and 30,000.

Compared to digital wire transfers, bitcoin is more competitive, given that it allows the same transaction (i.e. a transaction of similar value) with infinitely lower costs.

However, the usual concerns remain that the capacity to process high volumes and so on is extremely limited.


Here, of course, the comparison with fiat currencies is clearly in favour of cryptocurrencies.

No fiat currency, especially in digital form, ensures the anonymity in terms of transactions and availability.

It must be said, however, that as long as we are forced to check out at the shop counter our to pay a mortgage with fiat currency, the need to change our cryptocurrencies into fiat currency will disrupt the magic circle of anonymity and force us to expose some of our savings.

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Currently, a type of cryptocurrency generically called “stablecoin” are being studied, that would ensure a fixed exchange rate with a fiat currency (generally, the U.S. dollar) and that could one day be used in place of the digital fiat currency.

Their effective use will imply the development not only of stablecoin and the tools needed to manage them, but also of an système économiqueparallel to the current one.

We therefore speak of a deeper change than just a simple technological innovation.


The point here is very similar to the one just made.

No fiat currency is unbreachable. So our Euros, Dollars, Yuan etc. can be seized and we can be prevented from using or accessing them in many ways. Not to mention the fact that any employee of our banks can transmit all information about our money to third parties.

Also in this case, however, the un-breachability guaranteed by cryptocurrencies is lost when we are forced to pay our lawyer or grocer in fiat currency.

And, as mentioned above, the promised innovation of stablecoin (or any other alternative solution) will never imply only technical issues, but also and above all sociological, economic and anthropological ones.

In other words, it will not be enough to have produced the technical tools to use stablecoin: it will also be necessary for a large number of people to be willing and able to use them in their everyday lives!

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Qu'est-ce qui fait qu'il est préférable pour un expéditeur de transférer de l'argent par crypto-monnaie que par l'intermédiaire de banques?

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