결제 인프라 혁신과 디지털 통화의 유통 확산 가능성

Abstract

This paper was reviewed under the awareness of ‘Korea leads innovation in financial infrastructure.’ While discussing the requirements, definitions, and feasibility of digital currency, this paper considers ‘digital currency based on the original issued by a private entity’ as one of the most promising options, and provides detailed information on various use cases. Applicability also has been considered. In order for a privately issued digital currency to have high safety, reliability, availability, interoperability, and development potential, and to contribute to innovation and economic development through both sound competition and cooperation, a ‘two-tier structure’ with both a common area and an additional area It is conceivable that a digital currency is issued by a bank or the like. In the additional area (upper layer) of this digital currency, program according to various business needs (e.g., linkage of logistics/products and finance, supply chain management, simultaneous delivery of securities and funds, efficiency of back office work, etc.) and to respond to sophistication. At the same time, it is conceivable to enable mutual exchange of these digital currencies using a common area (lower layer) in which value information is written. Two-tier structure digital currency is by no means exclusive of the review of existing digital payment methods (e-money, credit card, debit card, etc.), centralized payment infrastructure (national banking system, etc.), and further central bank digital currency, and these ‘intersections’ This can improve interoperability, etc. Private-led payment innovation using these new technologies improves the convenience and efficiency of a wide range of transactions, contributes to the digitization of the economy and the realization of a “digital society,” and at the same time contributes to enhancing the robustness of the economy and society against infectious diseases. In the future, after developing this paper into basic knowledge for ‘completion of a digital currency society’, it is necessary to promote a proof of concept (PoC) that assumes various use cases for the above digital currency. Rather than staying in this paper on PoC, we intend to study how to respond to domestic payment and settlement innovation or ecosystem construction while observing the participation of other major companies in digital finance. Through such a response, it will be possible to contribute to improving the efficiency and convenience of financial infrastructure or promoting digitalization of the economy while utilizing new technologies and private initiatives.