{"id":7511,"date":"2023-02-14T05:50:00","date_gmt":"2023-02-14T04:50:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/monnaies-electroniques-souplesse-dans-la-verification-didentite-des-clients\/"},"modified":"2023-02-14T05:50:00","modified_gmt":"2023-02-14T04:50:00","slug":"monnaies-electroniques-souplesse-dans-la-verification-didentite-des-clients","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/monnaies-electroniques-souplesse-dans-la-verification-didentite-des-clients\/","title":{"rendered":"Monnaies \u00e9lectroniques : souplesse dans la v\u00e9rification d\u2019identit\u00e9 des clients"},"content":{"rendered":"<p >Afin de lutter contre le blanchiment d\u2019argent et le financement du terrorisme, la France a mis en place un dispositif visant \u00e0 encadrer plus efficacement les mouvements de fonds li\u00e9s \u00e0 certains produits financiers. Un dispositif qui, selon les cas, admet quelques souplesses\u2026<\/p>\n<div>\n<h2>Plus de souplesse pour les transactions \u00e0 faible risque<\/h2>\n<p>Par principe, et afin de lutter contre le blanchiment d\u2019argent et le financement du terrorisme, tous les professionnels qui proposent des services de monnaies \u00e9lectroniques doivent v\u00e9rifier l\u2019identit\u00e9 de leurs potentiels clients, avant m\u00eame d\u2019entrer en relation d\u2019affaire.<\/p>\n<p>Cependant des assouplissements sont possibles. Les professionnels pourront diff\u00e9rer la v\u00e9rification d\u2019identit\u00e9 de leurs clients jusqu\u2019\u00e0 12 mois apr\u00e8s le d\u00e9but de la relation commerciale si <a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/article_jo\/JORFARTI000047090753\" target=\"_blank\" rel=\"noopener\">plusieurs conditions<\/a> sont r\u00e9unies permettant de pr\u00e9sumer que les risques de blanchiment ou de financement du terrorisme sont minimes.<\/p>\n<p>La v\u00e9rification devra n\u00e9anmoins \u00eatre faite imm\u00e9diatement si :<\/p>\n<ul>\n<li>la valeur mon\u00e9taire charg\u00e9e sur l\u2019instrument ou les paiements r\u00e9alis\u00e9s exc\u00e8dent 150 \u20ac en 30 jours ;<\/li>\n<li>le montant cumul\u00e9 des chargements exc\u00e8de 1 000 \u20ac ;<\/li>\n<li>l\u2019instrument de monnaie \u00e9lectronique est utilis\u00e9 pour un achat \u00e0 distance de bien ou de service d\u2019une valeur sup\u00e9rieure \u00e0 50 \u20ac ;<\/li>\n<li>des transferts de fonds sont faits sur des comptes situ\u00e9s dans un pays membre de l\u2019Union europ\u00e9enne ou de l\u2019Espace \u00e9conomique europ\u00e9en exc\u00e9dant 50 \u20ac par op\u00e9ration ou 150 \u20ac au total.<\/li>\n<\/ul>\n<p>En outre, les sommes remises \u00e0 des prestataires de services pour le compte du b\u00e9n\u00e9ficiaire final du paiement sont consid\u00e9r\u00e9es comme pr\u00e9sentant un faible risque de blanchiment ou de financement du terrorisme, tant qu\u2019elles n\u2019exc\u00e8dent pas mensuellement :<\/p>\n<ul>\n<li>600 \u20ac pour les loyers de logement social ;<\/li>\n<li>200 \u20ac pour les factures d\u2019eau ;<\/li>\n<li>150 \u20ac pour les factures de gaz ;<\/li>\n<li>50 \u20ac pour les factures de t\u00e9l\u00e9phonies ;<\/li>\n<li>300 \u20ac cumul\u00e9s pour les cotisations d\u2019assurances de compl\u00e9mentaire sant\u00e9, habitation et automobile ;<\/li>\n<li>50 \u20ac pour les frais de p\u00e9ages et transports en commun.<\/li>\n<\/ul>\n<p>Source : D\u00e9cret n\u00b0 2023-63 du 3 f\u00e9vrier 2023 relatif \u00e0 la v\u00e9rification de l&#8217;identit\u00e9 de la client\u00e8le pour certains produits et services \u00e0 faible risque de blanchiment de capitaux et de financement du terrorisme<\/p>\n<p><a title=\"WebLex - Monnaies \u00e9lectroniques : souplesse dans la v\u00e9rification d\u2019identit\u00e9 des clients\" href=\"https:\/\/www.weblex.fr\/weblex-actualite\/monnaies-electroniques-souplesse-dans-la-verification-didentite-des-clients\" rel=\"nofollow noopener\" target=\"_blank\">Monnaies \u00e9lectroniques : souplesse dans la v\u00e9rification d\u2019identit\u00e9 des clients<\/a> \u00a9 Copyright WebLex &#8211; 2023<\/p>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/kyc2.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Afin de lutter contre le blanchiment d\u2019argent et le financement du terrorisme, la France a mis en place un dispositif visant \u00e0 encadrer plus efficacement les mouvements de fonds li\u00e9s \u00e0 certains produits financiers. Un dispositif qui, selon les cas, admet quelques souplesses\u2026<\/p>\n","protected":false},"author":0,"featured_media":7512,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-7511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-juridique","category-actualites"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Monnaies \u00e9lectroniques : souplesse dans la v\u00e9rification d\u2019identit\u00e9 des clients - Cabinet Magar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cabinet-magar.fr\/actualites\/monnaies-electroniques-souplesse-dans-la-verification-didentite-des-clients\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Monnaies \u00e9lectroniques : souplesse dans la v\u00e9rification d\u2019identit\u00e9 des clients - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Afin de lutter contre le blanchiment d\u2019argent et le financement du terrorisme, la France a mis en place un dispositif visant \u00e0 encadrer plus efficacement les mouvements de fonds li\u00e9s \u00e0 certains produits financiers. 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