{"id":30875,"date":"2026-09-24T18:51:42","date_gmt":"2026-09-24T16:51:42","guid":{"rendered":"https:\/\/swissfintechalliance.ch\/?p=30875"},"modified":"2026-09-24T19:48:26","modified_gmt":"2026-09-24T17:48:26","slug":"sfa-position-amendments-anti-money-laundering-act","status":"publish","type":"post","link":"https:\/\/swissfintechalliance.ch\/fr\/amendements-a-la-position-de-sfa-et-loi-contre-le-blanchiment-dargent\/","title":{"rendered":"Position de l\u2019SFA sur les modifications propos\u00e9es \u00e0 la loi sur la lutte contre le blanchiment d\u2019argent"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Le <strong>amendements propos\u00e9s \u00e0 la loi suisse sur la lutte contre le blanchiment d\u2019argent<\/strong> Ces r\u00e8gles r\u00e9giront les obligations relatives aux r\u00e8gles de voyage, \u00e0 la diligence due et au gel des avoirs. Elles s\u2019appliquent aux actifs tant traditionnels que virtuels. Le Secr\u00e9tariat d\u2019\u00c9tat \u00e0 la Finance internationale (SIF) a invit\u00e9 l\u2019Alliance fintech suisse (SFA) \u00e0 formuler ses commentaires d\u00e8s le d\u00e9but.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans sa proposition du 16 septembre 2026, la SFA soutient un cadre AML\/CFT suisse plus solide avec des r\u00e8gles technologiques neutres et proportionn\u00e9es. En m\u00eame temps, la SFA demande \u00e0 la SIF de tester chaque nouvelle r\u00e8gle deux fois. R\u00e9duit-elle le risque de blanchiment d\u2019argent et de financement du terrorisme (AML\/CFT) ? Et maintient-elle la Suisse attrayante pour les entreprises fintech r\u00e9glement\u00e9es ?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un seuil r\u00e9aliste pour les r\u00e8gles de voyage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La SFA consid\u00e8re que le seuil propos\u00e9 de 500 CHF pour l\u2019identification dans le cadre de la r\u00e8gle de voyage est trop faible. La Recommandation 16 du FATF permet jusqu\u2019\u00e0 1 000 USD\/EUR, et l\u2019UE applique 1 000 EUR. Un tel seuil faible impose principalement des charges suppl\u00e9mentaires aux transferts ordinaires \u00e0 faible valeur. De plus, il incite les utilisateurs \u00e0 recourir \u00e0 des canaux peer-to-peer non h\u00e9berg\u00e9s que aucun r\u00e9gulateur ne peut surveiller.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La SFA propose donc un seuil mat\u00e9riellement plus \u00e9lev\u00e9, comme 5 000 CHF ou 10 000 CHF. Les entreprises utiliseraient effectivement une telle exemption en pratique.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Large marge de man\u0153uvre pour les ordres de paiement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selon la SFA, la r\u00e8gle relative aux voyages devrait couvrir les v\u00e9ritables commandes de paiement adress\u00e9es \u00e0 un tiers externe identifiable. Les commandes pass\u00e9es par les clients \u00e0 leur propre compte devraient \u00eatre exclues de sa port\u00e9e. Cela inclut les commandes d\u2019achat, d\u2019\u00e9change et d\u2019investissement, \u00e9galement via des portefeuilles h\u00e9berg\u00e9s par soi-m\u00eame et des services DeFi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les portefeuilles auto-g\u00e9r\u00e9s par des tiers, les institutions devraient obtenir des informations sur la contrepartie et \u00e9tablir un contr\u00f4le sur le portefeuille. Elles ne devraient pas \u00eatre oblig\u00e9es d\u2019identifier un inconnu comme un client. Pour le DeFi, la SFA met en garde contre une obligation d\u2019identification g\u00e9n\u00e9rale que personne ne peut remplir en pratique.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Due Diligence client dans la loi sur le blanchiment d'argent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019SFA souligne \u00e9galement l\u2019absence de diligence raisonnable \u00e0 l\u2019\u00e9gard des actifs virtuels. Il s\u2019agit de relations commerciales existantes, telles que les comptes de portefeuille. L\u2019SFA propose un mod\u00e8le \u00e0 trois niveaux qui suit la logique des instruments de paiement en esp\u00e8ces. Jusqu\u2019\u00e0 CHF 1 000, aucune diligence raisonnable n\u2019est requise. Entre CHF 1 000 et CHF 5 000, les clients fournissent des informations non v\u00e9rifi\u00e9es. Au-del\u00e0 de CHF 5 000, une identification compl\u00e8te est requise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Liste noire des stablecoins<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019SFA consid\u00e8re positivement l\u2019approche propos\u00e9e consistant \u00e0 \u00e9tablir une liste noire pour les \u00e9metteurs de stablecoins. Les \u00e9metteurs n\u2019ont plus besoin de s\u2019identifier \u00e0 l\u2019avance \u00e0 tous les d\u00e9tenteurs de jetons. Cependant, ils conservent la possibilit\u00e9 d\u2019agir contre les acteurs malveillants connus. Toutefois, l\u2019SFA demande plus de clart\u00e9 sur plusieurs points. Ces derniers comprennent les crit\u00e8res d\u2019inscription, les proc\u00e9dures de contr\u00f4le, les pools et les portefeuilles omnibus ainsi que la gouvernance des fonctionnalit\u00e9s de gel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Loi contre le blanchiment d\u2019argent : m\u00eames r\u00e8gles de gel des avoirs que pour les monnaies fiduciaires<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un point central concerne les gel\u00e9es et la d\u00e9claration. Les transactions en actifs virtuels et en stablecoins devraient suivre la m\u00eame architecture que les transactions en monnaie fiduciaire en vertu des articles 9a, 9b et 10 du GwG. Premi\u00e8rement, aucune gel\u00e9e continue ne devrait s\u2019appliquer tant que MROS analyse le rapport. Deuxi\u00e8mement, l\u2019\u00e9metteur peut lever la mesure apr\u00e8s 40 jours ouvrables de silence de MROS. Troisi\u00e8mement, un gel de maximum cinq jours s\u2019applique une fois que MROS a transmis une affaire aux procureurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, un gel de 90 jours serait bien plus dur que le r\u00e9gime applicable aux institutions fiduciaires. Rien dans la nature des actifs ne justifie cette diff\u00e9rence. Les gel\u00e9s imm\u00e9diats devraient rester une exception pour les d\u00e9signations et les listes de sanctions \u00e9manant des autorit\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion : Une loi proportionnelle contre le blanchiment d\u2019argent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans l\u2019ensemble, l\u2019SFA appelle \u00e0 l\u2019adoption de r\u00e8gles AML fond\u00e9es sur les risques et proportionn\u00e9es, conformes aux normes internationales. Dans les cas o\u00f9 ces r\u00e8gles d\u00e9passent les exigences de la FATF et de l\u2019UE, l\u2019SIF devrait les justifier selon ses propres crit\u00e8res. Sinon, les activit\u00e9s s\u2019\u00e9loigneront des institutions suisses r\u00e9glement\u00e9es que les autorit\u00e9s de surveillance peuvent r\u00e9ellement superviser.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>T\u00e9l\u00e9chargez la version compl\u00e8te de la pr\u00e9sentation :<\/strong><br><a href=\"https:\/\/swissfintechalliance.ch\/wp-content\/uploads\/2026\/09\/SFA-Feedback-AML-Act-SIF-16.09.2026.pdf\" target=\"_blank\" rel=\"noopener\">Rapport de la SFA sur les amendements propos\u00e9s \u00e0 la loi contre le blanchiment d\u2019argent<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Liens connexes :<\/strong><br><a href=\"https:\/\/www.sif.admin.ch\/\" target=\"_blank\" rel=\"noopener\">Secr\u00e9tariat d'\u00c9tat aux Finances internationales<\/a><br><a href=\"https:\/\/www.fedpol.admin.ch\/fedpol\/en\/home\/kriminalitaet\/geldwaescherei.html\" target=\"_blank\" rel=\"noopener\">MROS \u2013 Bureau de notification du blanchiment d\u2019argent Suisse<\/a><br><a href=\"https:\/\/www.finma.ch\/\" target=\"_blank\" rel=\"noopener\">FINMA<\/a><br><a href=\"https:\/\/swissfintechalliance.ch\/fr\/\" target=\"_blank\" rel=\"noopener\">Swiss Fintech Alliance<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>La SFA appelle \u00e0 une limite plus \u00e9lev\u00e9e pour les r\u00e8gles relatives aux transactions en ligne et aux m\u00eames r\u00e8gles de gel et de d\u00e9claration pour les actifs virtuels et les stablecoins que pour les monnaies fiduciaires.<\/p>","protected":false},"author":1,"featured_media":30876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-30875","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - 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