Bank Korea Ungkap Hasil Pengujian Deposito Tokenisasi

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

Abstract

Bank Korea (BOK) melaporkan hasil uji coba percontohan tokenisasi deposit. Uji coba ini melibatkan 28 bank sentral dan organisasi keuangan internasional. Dari Korea Selatan, bank yang berpartisipasi adalah KB Kookmin Bank, NH NongHyup Bank, Shinhan Bank, Woori Bank, dan Hana Bank. Transaksi dalam uji coba dilakukan secara real-time. Seluruh proses, mulai dari instruksi pembayaran hingga penyelesaian akhir, rata-rata hanya membutuhkan 1 menit 20 detik. Uji coba mencakup 30 transaksi dalam 17 skenario berbeda, termasuk transfer korporat dan antarbank, yang diselesaikan dalam enam mata uang seperti won Korea, dolar AS, dan euro. Nilai total transaksi mencapai sekitar 800.000 franc Swiss (sekitar $995.000). Platform uji coba, termasuk Project Agora, berfungsi dengan stabil meskipun hanya terhubung sebagian dengan infrastruktur perbankan yang ada. Transaksi dengan token deposit berjalan lancar, cepat, dan transparan. BOK juga berhasil menguji transfer internal 20 juta won antara NH NongHyup Bank dan Shinhan Bank, serta transaksi lintas negara antara KB Kookmin Bank dan MUFG Bank Jepang. Bank Korea berencana melanjutkan pengujian pembayaran menggunakan token deposit ini. Sementara itu, otoritas Korea Selatan sebelumnya telah berjanji untuk memperketat regulasi stablecoin berbasis won.

Bank sentral Korea Selatan melaporkan bahwa transaksi dilakukan secara real-time. Dalam proyek percontohan, 28 bank sentral dan organisasi keuangan internasional berpartisipasi. Peserta dari Korea Selatan adalah KB Kookmin Bank, NH NongHyup Bank, Shinhan Bank, Woori Bank, dan Hana Bank.

Seluruh proses, dari instruksi pembayaran hingga penyelesaian akhir, memakan waktu rata-rata satu menit dan 20 detik. Penyelesaian akhir memakan waktu rata-rata 80 detik. Selama pengujian, peserta melakukan 30 transaksi dalam 17 skenario berbeda, termasuk transfer uang korporat dan antar bank. Penyelesaian dilakukan dalam enam mata uang, termasuk won Korea, dolar AS, dan euro. Total nilai transaksi mencapai sekitar 800.000 franc Swiss ($995.000).

Bank sentral menyatakan bahwa platform berfungsi stabil selama seluruh periode pengujian, meskipun beroperasi di lingkungan yang hanya terhubung sebagian dengan infrastruktur perbankan yang ada. Bahkan dalam kondisi kompatibilitas terbatas dengan jaringan pembayaran dan sistem komputer perbankan, penyelesaian dengan deposito tokenisasi dilakukan tanpa gangguan, cepat, dan transparan, demikian jaminan bank sentral.

Bank sentral juga melakukan transfer internal sebesar 20 juta won ($13.890) antara dua bank lokal NH NongHyup Bank dan Shinhan Bank. Seluruh proses: pengiriman instruksi pembayaran, penerbitan, transfer, dan penebusan token, dilakukan melalui platform Project Agora. Transaksi ini melibatkan koneksi manual Project Hangang, platform untuk meluncurkan mata uang digital bank sentral (CBDC) Bank Korea, ke jaringan bank sentral yang ada untuk menguji kompatibilitas.

Selain itu, KB Kookmin Bank lokal dan MUFG Bank Jepang menyelesaikan pengujian pembayaran menggunakan token deposito. Token-token ini adalah sertifikat digital yang diterbitkan oleh bank dalam proyek percontohan, tetapi tidak dikeluarkan langsung oleh bank sentral. Bank Korea berencana untuk melanjutkan pengujian pembayaran dengan token deposito.

Tahun lalu, otoritas Korea Selatan berjanji untuk memperketat regulasi stablecoin berbasis won — untuk meluncurkannya, perlu mendapatkan izin dari Bank Sentral Korea dan Komisi Layanan Keuangan (FSC).

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