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Following稳定币二维码支付的运作机制
光州银行与韩国金融科技公司Toss已完成基于二维码的稳定币支付概念验证。此次测试将光州银行的移动应用程序、Toss应用以及Toss Place商户支付终端进行了连接。
根据韩联社10月8日的报道，该测试旨在验证客户能否通过简化的步骤使用稳定币进行日常消费。
在操作流程中，客户首先在光州银行应用中选择稳定币支付选项，随后跳转至Toss应用的二维码扫描界面。接着，客户扫描商户Toss Place终端上显示的二维码，核对支付金额并确认交易。一旦获得批准，稳定币将从客户的钱包直接转移至商户的钱包。最后，客户可返回光州银行应用查看交易结果。
光州银行副行长边美京表示，该项目为银行应对数字资产支付领域的变化奠定了技术基础。她还指出，此次试验有助于双方从客户视角评估支付体验。
第二次测试及其他银行试点
目前，这两家公司正在筹备第二次概念验证。这一阶段的重点在于减少消费者在购买前需要执行的步骤数量。同时，双方也在商讨在光州和全罗南道地区与真实商户开展更多测试，但下一次测试的具体日期尚未确定。
光州银行尚未公布商业化的启动日期，也未说明公共服务将支持哪种稳定币。
This year, Toss has also participated in a number of other blockchain payment projects. In July, Toss partnered with Optimism and Sunnyside Labs on a three-month project to study the infrastructure of stablecoin denominated in won. In the same month, stablecoin issuer Circle signed an agreement with Toss to explore USDC payments, digital wallets and programmable payment capabilities. Circle also signed another separate agreement with Kakao Group, but none of these agreements launched commercial products.
In June, Toss Bank reached a cooperation with the Solana Foundation. The project is studying whether stablecoins support international fund transfers and settlements.
Other South Korean banks are also conducting their own tests. In May, KB Financial Group completed a pilot project covering Korean won denominated stablecoin issuance, offline QR code payment and remittance services, including a transfer to Vietnam that took less than three minutes and cost about 87% less than conventional methods. Remittance. In August, Shinhan Financial Group cooperated with Visa to build a stablecoin payment infrastructure. The agreement covered issuance, transfer, redemption and card settlement.
South Korean regulators are still formulating rules related to stablecoins. In September, South Korea's Financial Services Commission confirmed that it would review the country's second phase of digital asset legislation in November. Bank of Korea supports a bank-led group's plan to take the lead in issuing won denominated stablecoins, but differences over the role of banks and fintech companies in it remain part of the negotiations.
South Korean lawmakers are expected to review the proposed framework in November, and lawmakers aim to complete the second phase of legislation in 2026.
