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XRP 韩亚银行与Upbit Global签署协议，共同开发数字资产转账的“旅行规则”基础设施
韩亚银行（Hana Bank）已与Upbit Global签署合作协议，旨在为数字资产转账开发符合“旅行规则”（Travel Rule）的基础设施。此举标志着韩亚银行在韩国加密领域的业务拓展从交易合规延伸至转账技术领域。
合作核心内容与技术验证
双方将共同开发和测试用于安全数字资产转账及监管合规的“旅行规则”基础设施。该合作伙伴关系将重点审查发送方与接收方的身份验证、信息的Secure传输，以及金融机构与虚拟资产服务提供商（VASP）之间的系统连接。
Upbit Global将提供其VerifyVASP“旅行规则”解决方案的技术支持，而韩亚银行则计划利用其在外汇、支付和结算方面的基础设施优势。双方旨在研究并测试能够支持涉及银行、国内或海外虚拟资产服务提供商之间转账的基础设施。
技术细节与合规要求
根据“旅行规则”的要求，虚拟资产服务提供商在处理受管制的转账时，必须获取并保留发送方和接收方的相关信息，随后需将这些信息安全地传递给交易另一侧的服务提供商。韩亚银行与Upbit Global将共同审查这些要求在跨不同类型金融服务提供商的数字资产转移中如何具体应用。
Currently, Upbit Global operates "Rules of Travel" technology through its subsidiary VerifyVASP. The system verifies sender and recipient information during the virtual asset transfer process, while transmitting data required for compliance and protecting personal information. Asiana Bank and Upbit Global will also share information on how to respond to changes in digital asset laws, regulations and institutional requirements, and jointly respond to relevant compliance challenges.
Industry background: South Korea's existing controls
"Travel Rules" controls have been embedded in South Korea's existing crypto transfer infrastructure. Upbit imposes restrictions on exchange deposits that do not meet its "travel rules" requirements, and transfers involving personal wallets may require ownership verification. These controls continue to be effective as platform assets expand. For example, in August this year, its rules for incoming token transfers allowed exchanges to require evidence of the source of funds for large deposits, while transfers from non-compliant exchanges may not be credited to the account until additional inspections are completed.
Asiana Bank's digital asset business expansion
The latest agreement is another technology project in Asiana Bank's growing digital asset operations. Asiana Bank plans to use its experience in foreign exchange, payments and settlement to identify financial services opportunities built around digital assets.
韩亚银行已在金融层面直接暴露于Upbit的运营公司背后。今年5月，韩亚银行同意以约1.003万亿韩元（当时约合6.7亿美元）的价格，从Kakao Investments收购Upbit运营商Dunamu 6.55%的股份。此前有报道指出，这笔Dunamu股权的购买引发了韩国金融服务业委员会（FSC）关于银行业与商业业务分离规则的审查。若交易完成，韩亚银行将成为Dunamu第四大股东。
此外，韩亚金融集团曾与Dunamu达成战略协议，共同开发连接传统银行业与数字资产的金融模型。韩亚金融TI（Hana Financial TI）作为集团区块链工作的一部分，已完成基于XRP账本的韩元稳定币概念验证。数字资产托管也是该集团建立基础设施的重要领域。韩亚银行自2023年起与BitGo合作开展托管服务，随后成为BitGo Korea的股东之一，与SK电信共同持股。BitGo Korea于2026年8月获得虚拟资产服务提供商注册资格，韩亚银行持有其25%的股份，主要贡献金融行业的专业经验。这一注册的托管业务为韩亚的银行业务与受监管的数字资产基础设施提供了另一重连接。
韩国银行业的稳定币与结算系统探索
韩亚银行与Upbit Global的合作正值韩国金融机构测试多种区块链在支付、结算及受监管金融产品中的应用模式之际。今年3月，韩亚金融集团与渣打银行集团签署谅解备忘录，涵盖数字资产倡议，包括潜在的稳定币、代币化存款、托管及支付基础设施合作，充分利用双方的金融网络和技术能力。
韩亚银行还分别与KB金融集团和新韩金融集团合作，开发支持韩元挂钩稳定币及相关数字支付系统的基础设施。渣打银行的合作将这项工作扩展至与国际银行集团的协作。
其他韩国金融机构也在测试区块链资产如何融入现有结算系统。9月21日，Eugene Investment & Securities与区块链公司BEATOZ签署协议，测试用于代币化证券认购的稳定币。该概念验证计划将考察是否可以在一个基于区块链的流程中处理认购、支付和结算。Eugene于2024年建立了代币化证券平台，并参与了韩亚金融集团主导的韩元稳定币联盟。
韩国准备从2027年2月起将代币化证券纳入其受监管的资本市场框架。第一阶段预计涵盖精选的私募货币市场基金、机构债券、某些非上市股份以及公开发售的份额投资证券。此次稳定币结算试验将利用Eugene现有的代币化证券发行基础设施，考察如何将稳定币整合到该流程中。
监管前景与合作意义
South Korean authorities are still formulating rules for other parts of the digital asset market. The Bank of Korea supports a bank-led Korean won stablecoin issuance structure, while lawmakers and regulators continue to discuss issuer requirements, reserves and supervisory responsibilities.
Asiana Bank said its agreement with Upbit Global creates a collaborative model between traditional financial institutions and the virtual asset industry around regulatory standards such as anti-money laundering.
