Ngân hàng Trung ương Hàn Quốc công bố kết quả thử nghiệm tiền gửi token hóa

cryptonews.ruPublished on 2026-07-31Last updated on 2026-07-31

Abstract

Ngân hàng Trung ương Hàn Quốc (BOK) đã công bố kết quả thử nghiệm dự án tiền gửi được mã hóa (tokenized deposits) với sự tham gia của 28 ngân hàng trung ương và tổ chức tài chính quốc tế. Các ngân hàng Hàn Quốc tham gia gồm KB Kookmin Bank, NH NongHyup Bank, Shinhan Bank, Woori Bank và Hana Bank. Toàn bộ quy trình, từ lệnh thanh toán đến quyết toán cuối cùng, chỉ mất trung bình 1 phút 20 giây. Trong đợt thử nghiệm, 30 giao dịch đã được thực hiện theo 17 kịch bản khác nhau, bao gồm chuyển tiền doanh nghiệp và liên ngân hàng, với 6 loại tiền tệ như won Hàn Quốc, USD và euro. Tổng giá trị giao dịch đạt khoảng 995.000 USD. Nền tảng hoạt động ổn định, cho phép thanh toán nhanh chóng, minh bạch ngay cả trong môi trường kết nối một phần với cơ sở hạ tầng ngân hàng hiện có. BOK cũng đã thử nghiệm chuyển khoản nội bộ 20 triệu won (13.890 USD) giữa NH NongHyup Bank và Shinhan Bank thông qua nền tảng Project Agora, có kết nối thử với nền tảng CBDC của BOK. Ngoài ra, KB Kookmin Bank và MUFG Bank của Nhật Bản đã hoàn tất thử nghiệm thanh toán bằng token tiền gửi. Đây là các chứng chỉ số do ngân hàng phát hành trong dự án thí điểm, không phải do ngân hàng trung ương phát hành trực tiếp. BOK dự định tiếp tục thử nghiệm loại hình thanh toán này. Năm ngoái, chính quyền Hàn Quốc cam kết siết chặt quy định đối với stablecoin dựa trên won, yêu cầu phải có sự cho phép của BOK và Ủy ban Dịch vụ Tài chính (FSC).

Ngân hàng trung ương Hàn Quốc thông báo rằng các giao dịch đã được thực hiện trong thời gian thực. Dự án thí điểm có sự tham gia của 28 ngân hàng trung ương và các tổ chức tài chính quốc tế. Các tổ chức Hàn Quốc tham gia bao gồm KB Kookmin Bank, NH NongHyup Bank, Shinhan Bank, Woori Bank và Hana Bank.

Toàn bộ quy trình, từ lệnh thanh toán đến quyết toán cuối cùng, mất trung bình một phút 20 giây. Quyết toán cuối cùng mất trung bình 80 giây. Trong quá trình thử nghiệm, những người tham gia đã thực hiện 30 giao dịch trong 17 kịch bản khác nhau, bao gồm chuyển tiền doanh nghiệp và liên ngân hàng. Việc quyết toán được thực hiện bằng sáu loại tiền tệ, bao gồm won Hàn Quốc, đô la Mỹ và euro. Tổng giá trị giao dịch đạt khoảng 800.000 franc Thụy Sĩ (995.000 đô la).

Ngân hàng trung ương cho biết nền tảng này hoạt động ổn định trong suốt thời gian thử nghiệm, bất chấp việc hoạt động trong môi trường chỉ kết nối một phần với cơ sở hạ tầng ngân hàng hiện hành. Ngân hàng trung ương đảm bảo rằng ngay cả trong điều kiện tương thích hạn chế với mạng lưới thanh toán và hệ thống máy tính ngân hàng, việc quyết toán bằng tiền gửi token hóa vẫn diễn ra trơn tru, nhanh chóng và minh bạch.

Ngân hàng trung ương cũng đã thực hiện một giao dịch chuyển khoản nội bộ trị giá 20 triệu won (13.890 đô la) giữa hai ngân hàng địa phương là NH NongHyup Bank và Shinhan Bank. Toàn bộ quá trình: gửi lệnh thanh toán, phát hành, chuyển giao và thanh lý token, đều được thực hiện thông qua nền tảng Project Agora. Giao dịch bao gồm việc kết nối thủ công Project Hangang, nền tảng phát triển tiền số ngân hàng trung ương (CBDC) của Ngân hàng Hàn Quốc, với mạng lưới hiện có của ngân hàng trung ương để kiểm tra khả năng tương thích.

Ngoài ra, ngân hàng địa phương KB Kookmin Bank và ngân hàng Nhật Bản MUFG Bank đã hoàn tất việc thử nghiệm thanh toán bằng token tiền gửi. Những token này là các chứng chỉ số do các ngân hàng phát hành trong khuôn khổ dự án thí điểm, nhưng không được ngân hàng trung ương phát hành trực tiếp. Ngân hàng Hàn Quốc dự định tiếp tục thử nghiệm thanh toán bằng token tiền gửi.

Năm ngoái, chính quyền Hàn Quốc đã hứa sẽ siết chặt quy định đối với các stablecoin dựa trên won - việc phát hành chúng phải được Ngân hàng Trung ương Hàn Quốc và Ủy ban Dịch vụ Tài chính (FSC) cấp phép.

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Related Questions

QKết quả thử nghiệm token hóa tiền gửi của Ngân hàng Hàn Quốc cho thấy điều gì về thời gian giao dịch?

AToàn bộ quá trình, từ lệnh thanh toán đến quyết toán cuối cùng, trung bình chỉ mất 1 phút 20 giây, trong đó thời gian quyết toán cuối cùng trung bình là 80 giây.

QNhững tổ chức nào tại Hàn Quốc đã tham gia vào dự án thí điểm này?

ACác ngân hàng Hàn Quốc tham gia bao gồm: KB Kookmin Bank, NH NongHyup Bank, Shinhan Bank, Woori Bank và Hana Bank.

QTrong đợt thử nghiệm, các giao dịch được thực hiện với những loại tiền tệ nào?

ACác giao dịch được thực hiện với sáu loại tiền tệ, bao gồm won Hàn Quốc, đô la Mỹ và euro.

QProject Agora và Project Hangang được sử dụng để làm gì trong thử nghiệm của Ngân hàng Hàn Quốc?

AProject Agora là nền tảng được sử dụng để xử lý toàn bộ quá trình giao dịch (gửi lệnh, phát hành, chuyển giao và thanh toán token). Project Hangang, nền tảng CBDC, được kết nối thủ công vào mạng lưới ngân hàng trung ương để kiểm tra tính tương thích.

QChính quyền Hàn Quốc đã có hành động gì liên quan đến stablecoin dựa trên won vào năm ngoái?

ANăm ngoái, chính quyền Hàn Quốc cam kết sẽ siết chặt quy định đối với stablecoin dựa trên won, yêu cầu phải có sự cho phép của Ngân hàng Trung ương Hàn Quốc và Ủy ban Dịch vụ Tài chính (FSC) để có thể ra mắt.

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