MoonPay瞄准韩国市场，推出稳定币服务

MoonPay 正式进军韩国，计划以该国为基地拓展亚洲业务

MoonPay 已正式启动其韩国子公司 MoonPay Korea，并计划将韩国作为其在亚洲业务扩张的战略基地。此次合作涵盖韩元稳定币、跨境支付、汇款以及数字资产基础设施等多个领域。

携手本土金融巨头，构建全方位服务生态

根据《每日经济新闻》报道，MoonPay 于 9 月 29 日在首尔举行了官方启动仪式，详细披露了与 Woori Bank（友利银行）、KB Financial Group（KB 金融集团）、KakaoBank（Kakao 银行）以及金融科技公司 Finger 的合作细节。MoonPay 计划先在这些韩国企业中进行服务测试，随后将其接入国际支付和数字资产网络。

MoonPay 联合创始人兼亚太区首席执行官李富均（Lee Boo-gun）表示，韩国拥有对虚拟资产的强劲需求以及成熟的数字支付基础设施，这为开发新型金融服务和提升现有支付系统效率提供了绝佳机遇。

MoonPay 的韩国运营策略主要聚焦于以下三个方面：

• 金融机构与数字平台之间的深度合作；
• 资金的跨境流动；
• 利用在韩国开发的金融服务拓展其他亚洲市场。

打造韩元稳定币的海外分发渠道

该计划的核心部分在于：如果韩元稳定币在韩国日益完善的监管框架下发行，MoonPay 将为其建立海外的分发渠道。MoonPay 预计其全球网络将为韩元稳定币提供进入韩国境外市场的途径，目标用户包括海外韩裔、国际学生及游客。

在该模式下，用户可以在国外购买并持有韩元稳定币，将其兑换为其他货币或数字资产，并用于支付和结算。李富均指出，潜在的用途包括海外汇款、外国人在韩国的支付、贸易交易以及企业付款。“确保韩元稳定币的海外分发渠道对于其成功至关重要。”他说。

深入对接韩国银行系统：“最后一公里”战略

MoonPay 将其实施战略称为“全栈最后一公里”（Full Stack Last Mile）。在此策略下，公司旨在将其服务直接连接到现有的韩国金融基础设施，而不仅仅是提供 API 和软件开发工具包（SDK）。

该系统旨在覆盖交易的最终阶段，包括韩元的存取款、支付、结算、商户结算、退款及错误处理等。李富均表示：“我们不仅提供 API 和 SDK，还将支持产品申请及融入现有金融系统的流程。”

MoonPay is actively applying for the licenses needed to operate in South Korea, including registration as a virtual asset service provider. Services involving the deposit and withdrawal of Korean won must meet domestic requirements such as real-name authentication accounts. Customer identification, payment, settlement and customer protection responsibilities will be divided between MoonPay and its South Korean financial partners, and the system will adapt to local security and operating standards.

FinTech partner Finger is expected to provide some technical connectivity between MoonPay and South Korean financial institutions. MoonPay plans to interface its wallet, conversion and payment APIs and "Wallet as a Service" technology with domestic banking and card systems. This setting will meet the requirements of South Korea's financial industry, covering anti-money laundering control, customer identification, abnormal transaction detection, Access Management, security review and system failure response.

Specific division of labor and testing of partners

KB Financial Group: KB Kookmin Bank will work with MoonPay to inspect deposit and deposit infrastructure, wallets, stablecoin issuance and distribution, and overseas remittance and settlement services. KB Kookmin Card focuses on the payment field. The two sides plan to test a model that allows foreign tourists to use digital assets such as stablecoins in South Korean merchants, and conduct a proof-of-concept work to examine the connectivity, security, convenience and commercial feasibility of the system.

Woori Bank: Woori Bank's role focuses on combining its Won-based financial infrastructure with MoonPay's international distribution and payment network. If South Korean won stablecoins are issued, MoonPay will connect its wallets and deposit and deposit networks, allowing overseas Koreans, students and tourists to acquire, hold and exchange these assets outside South Korea. In addition, the two companies also plan to test inter-company payments, combining Woori's remittance infrastructure with MoonPay's digital asset network to examine overseas payments by Korean companies and payments by foreign companies to South Korea.

KakaoBank: KakaoBank is working with MoonPay to build a different cross-border remittance structure that aims to connect Korean remittance applications with overseas bank accounts in a single transaction process. For example, KakaoBank can process student remittance applications, screening, currency conversions and transfers in South Korea, while MoonPay receives digital assets overseas, converts them into U.S. dollars, and deposits them into local U.S. bank accounts. "Our goal is to complete the process within an hour," said Choi Han-kyul, South Korea strategy director at MoonPay.

Regulatory Environment and Development Prospects

MoonPay's plan was prepared at a time when South Korea's second phase of digital asset legislation has not yet been fully completed. The Korea Financial Commission expects that the review of the Digital Assets Framework Act will enter the Parliamentary Bill Review Subcommittee in November. The stablecoin rules remain part of the legislation, including issues such as who can issue won denominated coins and how issuers are regulated.

韩国银行倾向于由受监管银行主导的初始模式，认为韩元稳定币可能会影响货币政策、支付系统和金融稳定。

尽管规则仍在制定中，MoonPay 正在积极准备其韩国业务。该公司表示，累计交易量已超过 1200 亿美元，服务于超过 3200 万经过验证的用户，并与超过 1500 家合作伙伴合作。其网络支持超过 180 个服务区域的 120 多种法币和 170 种支付方式。

在首尔举行的活动上，MoonPay 首席法务官 Caroline Pham 将该公司描述为“价值操作系统”，涵盖融资、代币化、交易和支出等服务，包括出入金通道、虚拟账户、白标稳定币发行、钱包、跨链交易和结算。MoonPay 还展示了 AI 代理支付作为另一条业务线，并在活动中演示了其 PayBox 支付基础设施。在演示中，用户指示 AI 代理在审查资产组合后寻找从首尔到新加坡的航班。AI 代理支付了 0.10 美元的外部搜索服务费，然后返回航班和定价信息。

Pham 表示：“如果说 2000 年代是 Click 执行交易，2010 年代是 API 执行交易，那么现在 AI 代理被委托拥有用户授权进行交易。”