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Yestransfer révolutionne le transfert d’argent dans les pays francophones

Yestransfer révolutionne le transfert d’argent dans les pays francophones

Paypite, la startup parisienne, a lancé la plateforme Yestransfer, un dispositif qui s’articule autour d’une toute nouvelle monnaie virtuelle, le Yes. Ce dispositif, qui s’appuie sur une blockchain, devrait faciliter le transfert d’argent vers les pays peu bancarisés et les PME. Ces services sont disponibles à Madagascar, au Sénégal, en France et en Côte d’Ivoire.

 

 

La stabilité des monnaies traditionnelles et les avantages des cryptomonnaies

Cette nouvelle monnaie virtuelle, le Yes, diffère du Bitcoin. Alors que ce dernier est hautement volatile, le Yes est considéré comme des « stable coins ». Ainsi, ces monnaies offrent la même stabilité que la monnaie traditionnelle à laquelle elles sont adossées, soit l’euro dans ce cas précis. De plus, elles conservent les avantages des cryptomonnaies, c’est-à-dire des transferts rapides, sécurisés, confidentiels et surtout à moindre frais, quel que soit l’endroit.

 

Yestransfer, une plateforme pour les diasporas des pays peu bancarisés

Déjà proposés à Madagascar, au Sénégal ou encore en Côte d’Ivoire, la plateforme Yestransfer propose une commission de 2 % sur la somme versée. C’est bien en dessous des frais habituellement pratiqués. Elle s’adresse aux PME ainsi qu’aux diasporas des pays peu bancarisés. Selon le Directeur General, Vincent Jacques, « une entreprise française, même si elle transfère des sommes importantes pour payer ses fournisseurs africains – jusqu’à 15 000 euros par mois -, n’a pas assez de poids pour obtenir des frais intéressants auprès des banques. »

 

Les points de retrait des opérateurs téléphoniques locaux

Des agences de « mobile money » seront à disposition des récepteurs pour faciliter le retrait d’argent. Ces points de retraits sont mis en place par les opérateurs téléphoniques dans le pays peu bancarisés. Madagascar en compte déjà 6000 tandis qu’il y en a 10 000 rien qu’en Côte d’Ivoire. Alors que Yestransfer est déjà implanté en France, à Madagascar, au Sénégal et en Côte d’Ivoire, l’entreprise vise désormais une expansion. En effet, selon le responsable, « dans les douze prochains mois, nous pensons étendre le dispositif au Cameroun, en République du Congo et à Haïti. »

 

Le monde francophone est leur premier marché

Il y a un peu plus d’un an, la startup avait lancé une cryptomonnaie dédiée au monde francophone, la Paypite. Toutefois, même si le monde francophone est leur premier marché, ils ont l’intention de se développer en Amérique latine et dans le monde anglophone. Pour cela, ils comptent créer d’autres monnaies qui seraient adossées au dollar ou encore à la livre sterling. Par ailleurs, l’entreprise souhaite se lancer sur le marché du microcrédit. Un projet pilote a déjà été lancé à cet effet en Côte d’Ivoire. Il s’agit d’aider 10 entrepreneurs à lancer leur business avec un crédit de 500 euros.

 

Plus d’infos sur le Yes

Un Yes équivaut à un euro. Ainsi, pour envoyer 100 euros à Madagascar, un utilisateur à Paris va opérer un virement de 100 euros à Paypite via l’appli mobile. Son compte sera crédité de 100 Yes, qu’il va ensuite envoyer sur le compte Yestransfer du récepteur. Pour les recevoir, ce dernier va se rendre, via l’appli, sur une mini-bourse. Cette dernière permet de mettre en relation ceux qui ont reçu des Yes – et souhaitent les convertir – et ceux qui en ont besoin. Il pourra ainsi rencontrer un particulier ou une entreprise qui les lui achètera en monnaie locale, soit l’Ariary malgache. Le cours du Yes, adossé à l’euro, n’aura pas connu de volatilité pendant le transfert. Tout comme l’euro, il varie uniquement en fonction du cours de la monnaie locale, soit de 1 à 2%.

Crédit photo : usine-digitale.fr

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