韩国银行将开始针对一般用户的数字货币进行真实的交易测试。

七家商业银行将参加该实验，在这些银行持有存款帐户的消费者可以通过在银行开设存款令牌电子钱包来参与。

The Bank of Korea will begin a real transaction test for digital currency targeting general users. A total of seven commercial banks will participate in the experiment, and consumers who hold deposit accounts at those banks can participate by opening a deposit token electronic wallet at the bank. The deposit tokens can be used at designated locations such as bookstores, convenience stores, and coffee shops.

韩国银行将开始针对一般用户的数字货币进行真实的交易测试。共有七家商业银行将参加该实验，在这些银行持有存款帐户的消费者可以通过在银行开设存款令牌电子钱包来参与。存款令牌可用于指定地点，例如书店，便利店和咖啡店。

The central bank, the Financial Services Commission, and the Financial Supervisory Service announced their plans to implement a “digital currency test” with general users and will begin pre-registration for participants. Pre-registration will start on the 25th and will be conducted by each bank, while the real transaction test will take place from the 1st of next month to June 30th.

中央银行，金融服务委员会和金融监管服务宣布了他们与普通用户实施“数字货币测试”的计划，并将开始为参与者进行预注册。预注册将于25日开始，并将由每家银行进行，而实际交易测试将从下个月至6月30日进行。

Any South Korean citizen aged 19 or older who holds a demand deposit account at a participating bank can apply to join the test. The participating banks include KB Kookmin Bank, Shinhan Bank, Hana Bank, Woori Bank, NongHyup, Industrial Bank of Korea, and Busan Bank. Participation is limited to a maximum of 100,000 people, and pre-registration and issuance of deposit token electronic wallets will be conducted on a first-come, first-served basis.

在参与银行持有需求存款帐户的19岁或19岁以上的任何韩国公民都可以申请参加测试。参与的银行包括KB Kookmin Bank，Shinhan Bank，Hana Bank，Woori Bank，Nonghyup，韩国工业银行和釜山银行。参与最多限于100,000人，并且将以先到先得的基础进行预注册和发行令牌电子钱包。

Those who have completed pre-registration can open their electronic wallet non-face-to-face via the participating bank’s app starting at 10 a.m. on the 1st of next month. The holding limit for deposit tokens for general users is 1 million won, and the total conversion limit to deposit tokens during the period is capped at 5 million won. After the conclusion of the real transaction, any remaining deposit tokens held by the user will be lump-sum deposited into their demand deposit account.

那些已经完成预注册的人可以通过参与银行的应用程序从下个月的上午10点开始通过参与银行的应用程序打开其电子钱包。普通用户的存款令牌的持有限额为100万韩元，在此期间，保存令牌的总转换限额为500万韩元。实际交易结束后，用户持有的任何剩余的存款令牌都将集中 - 存放在其需求存款帐户中。

After linking their demand deposit accounts with the bank, users can convert deposits into deposit tokens and purchase goods and services at both online and offline stores. The places of use include ▲ bookstores (all branches of Kyobo Bookstore, excluding online) ▲ convenience stores (all branches of 7-Eleven, excluding unmanned stores) ▲ coffee shops (Ediya Coffee, about 100 stores concentrated in Busan and Incheon) ▲ supermarkets (6 branches of NongHyup Hanaro Mart) ▲ home shopping (Hyundai Home Shopping, mobile web and app) ▲ K-POP goods (COSMO, PC and mobile web) ▲ delivery platforms (Ddaenggyeoyo, mobile app), etc.

将其需求存款帐户与银行联系起来后，用户可以将存款转换为存款代币并在线和离线商店购买商品和服务。使用场所包括▲书店（京东书店的所有分支，在线不包括）▲便利店（7-11的所有分支机构，不包括无人的商店）▲咖啡店（Ediya咖啡，约100家商店，大约100家商店，集中在商和Incheon中），衬里和伊吉尼（Nonghhyup Marts Shoops）（6个nonghhy hiss Shoops y himhy hiss Shopping y Home thabie thabie tharmy hiss Shopping ip）商品（Cosmo，PC和移动网络）▲送货平台（Ddaenggyeoyo，移动应用程序）等。

Transactions will be conducted via QR codes, allowing payment (by the user) and receipt (by the service provider) regardless of the bank that issued the electronic wallet. For instance, a user with an electronic wallet from Bank A can make payments at a service provider with an electronic wallet from Bank B. This differs from specific service users who can only make payments at the affiliated stores of that service. Unlike other payment services, the service providers immediately receive sales proceeds like cash and do not pay separate fees to the bank that issued the electronic wallet.

交易将通过QR码进行，无论发行电子钱包的银行如何，用户）和收据（由服务提供商）进行付款。例如，拥有银行A的电子钱包的用户可以在Bank B中使用电子钱包的服务提供商进行付款。这与特定的服务用户有所不同，这些用户只能在该服务的附属商店付款。与其他付款服务不同，服务提供商立即收到诸如现金之类的销售收益，并且不向发行电子钱包的银行支付单独的费用。

Meanwhile, the program for the digital voucher, prepared in collaboration with the Ministry of Science and ICT, the Korea Internet & Security Agency, and the Financial Services Commission, will be conducted in connection with community programs and university projects (Seoul, Daegu, Silla University, Busan) that have a significant relation to people’s livelihoods, such as cultural activities, youth support, childcare, and small business support. The procedures for implementing the digital voucher program are currently underway, and details will be provided when real transactions commence.

同时，将与科学和ICT，韩国互联网与安全局和金融服务委员会合作准备的数字优惠券计划，该计划将与社区计划和大学项目（Seoul，Daegu，Daegu，Silla University，University，busan）一起进行，这些项目与人们的谋生活动有很大的关系，例如，与人们的谋生活动有关，例如文化活动，童年的企业和小型企业，小型企业和小型企业。目前正在进行实施数字优惠券计划的程序，并在实际交易开始时提供详细信息。

A Bank of Korea official noted, “After the conclusion of this real transaction, we plan to reflect on the necessary improvements gathered from users’ feedback and to refine the system before conducting additional real transaction tests,” adding, “The real transaction test will aim to discover and apply additional use cases such as person-to-person transfers utilizing programming functions and various digital voucher programs.”

一位韩国官员指出：“在这项实际交易结束后，我们计划反思从用户反馈收集的必要改进，并在进行其他实际交易测试之前进行完善系统，”补充说：“实际交易测试将旨在发现和应用其他用途案例，例如使用其他使用程序的人使用编程功能和各种数字voucher程序。”