In France you can borrow now without giving your bitcoins

France is Europe. And Europe is a temple of regulation. France does not want to play snipers in this cash control tower. No question of kissing bitcoins before 27th? Sometimes, however, flashes with the worst. Last piruette? Legal clarification of Lombard loan supported by cryptus. It’s not a revolution. But a step, even masked, remains a step.

Crypto as a warranty: yes, but with a yellow vest

The Credit Lombard Crypto was born yesterday. We have already talked about it in muted banking circles. This loan, guaranteed crypto wallet offers promise: liquidity without liquidation. You block your crypts. You will receive the euro. In case of defect with collateral rotation.

But where France finally moves, it’s up to Legal framework. DDADUE 5 law, valid since April 30, allows ” The Constitution of the promise of a statement signed by the owner of the cryptus ». One more formality. And and if it blur.

This change is part of the logic of the mica, the large European Charter of the Crypto Market. ” Lombard Crypto Credit is a great tool for structured Hadlers “Comments Arnaud Touati. But beware: we can structure, but we are still democratizing.

Dan Arroche Tempers:

No revolution, just a legal clarification.

And again, it’s just on paper. The Earth remains undermined. French banks remain skeptical. The risk is too volatile. Too fragile solvency conditions. In short, real use remains marginal.

Snída, taxation: Progress Balls

The regulatory procedure does not always rhyme with practical progress. Because in detail, French tax system is a real labyrinth. And in this labyrinth, Crédit Lombard Crypto can fall well into the trap.

Dan Arroche Warning:

The question is whether the placement of cryptos as a guarantee = transfer of real estate = taxable event?.

In other words, using your bitcoins as guarantees could activate … tax. And there is no one.

We have to distinguish two cases:

• Without slipping : You keep your crypts, no transfer, no tax;
• Dispossession : If your assets are converted without individualized monitoring -UP, retraining as a possible transfer.

In other words, and Tax lawyer becomes mandatory. Prevent innovation from changing to administrative disaster.

Here are the data you need to remember ::

• Entry date: April 30, 2025;
• Statutory law: DDADUE 5;
• Tools concerned: Cryptos as collateral;
• Risks for Banks: Impact on solvency ratios;
• Current Application Case: almost non -existent to date.

A psychological factor is added to this legal equation: Fear of banks. Their unwillingness slows down adoption. ” Obtaining a crypto loan Lombard under acceptable conditions is almost impossible », Blee concludes.

We pretend to legalize, but no one plays the game.

Between Heritage and Golden Mirage

Who is this new credit for? For Lambda Saver? No. Maybe for private banking customers. Certainly for a large crypt of wallets. This loan remains An inheritance optimization toolnot entrance door to a regulated deficit.

In fact, very few actors are prepared. Few institutions accept this type of promise. The crypto market remains considered too unstable. And yet some consider it an opportunity.

This credit can become a ALTERNATIVE FOR SALEto maintain a market exposure. Therefore, it seduces those who want ” Hodler when buying a house ». But provided you are firmly recommended and firmly capitalized.

And while some progress, others condemn. On X, Ironized User:

Historically, all war loans were fraud. Luxembourg Life Insurance, Self -Austomous Crypto, The Threat is serious.

Lombard Crypto Credit would be Trojan horse to repatriate crypts On centralized platforms?

Mica wants to reassure. But for now, it attracts more than convinced. As long as the bank infrastructure is created, the promise remains a dead letter.

French slowness on the crypts is no longer surprising. Even Michael Saylor attached this inertia on his American pedestal. And invites the Earth’s actors to accept bitcoins more than to regulate it in an old way. For now, the hexagon regulates. It moves forward, but in small steps. Too small? The future will say.

Renunciation

The words and opinions expressed in this article are involved only by their author and should not be considered investment counseling. Do your own research before any investment decision.