韩国央行将在超市和便利店试用 CBDC 代币支付

韩国银行 CBDC 代币试验将于 12 月启动

South Korea’s central bank is set to launch a large-scale trial of its central bank digital currency (CBDC) in December, allowing participants to use digital tokens for payments at supermarkets and convenience stores, according to a report by the Korea Times.

据《韩国时报》报道，韩国央行将于 12 月启动央行数字货币（CBDC）的大规模试验，允许参与者在超市和便利店使用数字代币进行支付。

The Bank of Korea (BOK) has been working on developing a CBDC for several years, and this latest trial is a major step toward the potential launch of a full-fledged digital currency. The trial will involve six major commercial banks and 100,000 participants, who will be able to use deposit tokens, which function similarly to vouchers, for purchases at various retail outlets.

韩国央行（BOK）多年来一直致力于开发 CBDC，这次最新的试验是朝着推出成熟的数字货币迈出的重要一步。该试验将涉及六家主要商业银行和 100,000 名参与者，他们将能够使用存款代币（其功能类似于代金券）在各个零售店购物。

The BOK will issue a wholesale CBDC to banks, which will convert it into deposit tokens for consumers to use at select retail locations. The goal of this setup is to assess whether CBDCs can improve or replace the existing process, where banks use their deposits at the central bank for transactions and settlements. This project builds on a plan that was initially outlined in October as part of the push toward a digital economy.

韩国央行将向银行发行批发 CBDC，银行将其转换为存款代币，供消费者在选定的零售地点使用。这一设置的目标是评估 CBDC 是否可以改进或取代现有流程，即银行使用其在央行的存款进行交易和结算。该项目建立在 10 月份最初概述的计划之上，作为推动数字经济的一部分。

Participating banks are forming partnerships with retailers and developing digital platforms to ensure smooth implementation of the CBDC trial. For instance, NH Nonghyup Bank is involving its subsidiary Hanaro Mart in the trial, while other banks are reportedly negotiating with major convenience stores and supermarkets to join.

参与银行正在与零售商建立合作伙伴关系并开发数字平台，以确保 CBDC 试验的顺利实施。例如，NH农协银行正在让其子公司Hanaro Mart参与试验，而据报道，其他银行正在与主要便利店和超市谈判加入。

notably, the BOK is also part of Project Agora, a global initiative that is exploring the tokenization of cross-border payments, which includes six major Korean banks. A banking industry official told the Korea Times that while the timeline for the CBDC test seems slightly delayed compared to their initial expectations, they are working to launch it by the end of the year, which would be a globally significant milestone.

值得注意的是，BOK 也是 Agora 项目的一部分，该项目是一项全球倡议，旨在探索跨境支付的代币化，其中包括韩国六家主要银行。一位银行业官员告诉《韩国时报》，虽然 CBDC 测试的时间表与他们最初的预期相比似乎略有延迟，但他们正在努力在今年年底之前推出它，这将是全球重要的里程碑。