{"id":68886,"date":"2026-09-25T13:02:41","date_gmt":"2026-09-25T13:02:41","guid":{"rendered":"https:\/\/www.vtmarkets.com\/kr-asia\/uncategorized\/ibm-swift-and-the-rise-of-tokenised-bank-deposits\/"},"modified":"2026-09-25T13:02:41","modified_gmt":"2026-09-25T13:02:41","slug":"ibm-swift-and-the-rise-of-tokenised-bank-deposits","status":"publish","type":"post","link":"https:\/\/www.vtmarkets.com\/kr-asia\/featured\/ibm-swift-and-the-rise-of-tokenised-bank-deposits\/","title":{"rendered":"IBM\u00b7\uc2a4\uc704\ud504\ud2b8\uc640 \ud1a0\ud070\ud654 \uc740\ud589\uc608\uae08\uc758 \ubd80\uc0c1"},"content":{"rendered":"<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1250\" height=\"700\" src=\"https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/BankBlockchain.webp\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/BankBlockchain.webp 1250w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/BankBlockchain-300x168.webp 300w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/BankBlockchain-1024x573.webp 1024w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/BankBlockchain-768x430.webp 768w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/BankBlockchain-500x280.webp 500w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/BankBlockchain-400x224.webp 400w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/BankBlockchain-350x196.webp 350w, https:\/\/www.vtmarkets.com\/kr-asia\/wp-content\/uploads\/sites\/5\/2026\/09\/BankBlockchain-200x112.webp 200w\" sizes=\"auto, (max-width: 1250px) 100vw, 1250px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">7\uc6d4 \ubbf8\uad6d \uc6cc\uc2f1\ud134\uc5d0\uc11c\ub294 \u2018\ub514\uc9c0\ud138 \uba38\ub2c8(\ube14\ub85d\uccb4\uc778 \uae30\ubc18 \uc804\uc790\ud654\ud3d0)\u2019\ub97c \ub458\ub7ec\uc2fc \uc8fc\ub3c4\uad8c \uacbd\uc7c1\uc774 \ubc8c\uc5b4\uc84c\ub2e4. <a href=\"https:\/\/www.vtmarkets.com\/featured\/cryptos-next-chapter-is-being-written-by-banks\/?utm_source=Opinion&amp;utm_content=SwiftTokenisedDeposits\" target=\"_blank\" rel=\"noopener\">\uc740\ud589\uacfc \uac00\uc0c1\uc790\uc0b0(\uc554\ud638\ud654\ud3d0) \uae30\uc5c5\ub4e4\uc774 \u2018\uc608\uae08\u2019\uc758 \uc18c\uc720\u00b7\ud1b5\uc81c\uad8c\uc744 \ub450\uace0 \ub85c\ube44\uc804\uc744 \ubc8c\uc600\uace0<\/a>, \u2018\uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubcf4\uc0c1(\uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc744 \ubcf4\uc720\u00b7\uc0ac\uc6a9\ud560 \ub54c \uc9c0\uae09\ud558\ub294 \uc774\uc790\u00b7\ub9ac\uc6cc\ub4dc)\u2019\uc774 \uc7c1\uc810\uc774 \ub410\ub2e4. \uc758\ud68c\ub294 \uacb0\ub860\uc744 \ub0b4\ub9ac\uc9c0 \ubabb\ud55c \ucc44 \uac00\uc6b4\ub370 \ub07c\uc5b4 \uc788\uc5c8\ub2e4. \uac00\uc0c1\uc790\uc0b0 \uc9c4\uc601\uc740 \uc740\ud589 \uc601\uc5ed\uc73c\ub85c \ud30c\uace0\ub4e4\uc5c8\uace0, \uc740\ud589\uc740 \ub300\uccb4\ub85c \ubc29\uc5b4\uc5d0 \uc9d1\uc911\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ubc88 \uc8fc \uc740\ud589\ub4e4\uc740 \u2018\uc778\ud504\ub77c(\uae08\uc735\ub9dd\u00b7\uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uae30\ubc18 \uc124\ube44)\u2019\ub85c \uc751\ub2f5\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IBM\uc740 \ubaa9\uc694\uc77c <a href=\"https:\/\/newsroom.ibm.com\/2026-09-24-ibm-expands-its-digital-banking-infrastructure-with-swift-integration-and-digital-asset-haven-on-prem\" target=\"_blank\" rel=\"noopener nofollow\">\u2018\ub514\uc9c0\ud138 \uc560\uc14b \ud5e4\uc774\ube10(Digital Asset Haven\u00b7\uc740\ud589 \ub0b4\ubd80\uc5d0\uc11c \ub514\uc9c0\ud138 \uc790\uc0b0\uc744 \ubcf4\uad00\u00b7\uad00\ub9ac\ud558\ub294 \uc2dc\uc2a4\ud15c) \ud50c\ub7ab\ud3fc\u2019\uc744 \uc2a4\uc704\ud504\ud2b8(Swift\u00b7\uad6d\uc81c\uc740\ud589\uac04\ud1b5\uc2e0\ud611\ud68c\uac00 \uc6b4\uc601\ud558\ub294 \uad6d\uc81c \uacb0\uc81c \uba54\uc2dc\uc9c0 \ub124\ud2b8\uc6cc\ud06c)\uc758 \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \u2018\uacf5\uc720 \uc6d0\uc7a5(shared ledger\u00b7\ucc38\uc5ec\uae30\uad00\uc774 \uac19\uc740 \uac70\ub798\uae30\ub85d\uc744 \ud568\uaed8 \ubcf4\ub294 \uc7a5\ubd80)\u2019\uacfc \uc5f0\uacb0<\/a>\ud588\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc740\ud589\uc740 \uae30\uc874 \uad6d\uc81c\uacb0\uc81c\uc5d0 \uc4f0\ub358 \uba54\uc2dc\uc9c0 \ud45c\uc900\uc778 ISO 20022(\uacb0\uc81c \uc9c0\uc2dc\u00b7\ubd80\uac00\uc815\ubcf4\ub97c \ud45c\uc900\ud654\ud55c \uad6d\uc81c \uae08\uc735 \uba54\uc2dc\uc9c0 \uaddc\uaca9) \ud615\uc2dd\uc73c\ub85c \u2018\ud1a0\ud070\ud654 \uc608\uae08(tokenised deposits\u00b7\uc608\uae08\uc744 \ube14\ub85d\uccb4\uc778\uc0c1\uc758 \ub514\uc9c0\ud138 \ud1a0\ud070 \ud615\ud0dc\ub85c \ud45c\ud604\ud55c \uac83)\u2019 \uc774\uccb4\ub97c \uc9c0\uc2dc\ud560 \uc218 \uc788\uac8c \ub410\ub2e4. \uac19\uc740 \ub0a0 \uc601\uad6d 7\uac1c \uc740\ud589\uc740 <a href=\"https:\/\/www.ukfinance.org.uk\/tokenised-sterling-deposits\" target=\"_blank\" rel=\"noopener nofollow\">\ud1a0\ud070\ud654\ub41c \ud30c\uc6b4\ub4dc\ud654(\uc2a4\ud138\ub9c1)\ub85c \uc2e4\uc81c \uace0\uac1d \uacb0\uc81c\ub97c \ucc98\uc74c \uc2e4\ud589<\/a>\ud588\ub2e4\uace0 \ubc1d\ud614\ub2e4. \uc758\ud68c \uacb0\uc815\uc744 \uae30\ub2e4\ub9ac\uc9c0 \uc54a\uc740 \uc148\uc774\ub2e4. IBM \uae30\ub2a5\uc740 \uc544\uc9c1 \ubca0\ud0c0(\uc815\uc2dd \ucd9c\uc2dc \uc804 \uc2dc\ud5d8 \ub2e8\uacc4)\uc774\uba70 \ucc38\uc5ec \uc740\ud589\uc740 \uacf5\uac1c\ub418\uc9c0 \uc54a\uc558\uc9c0\ub9cc, \ubc29\ud5a5\uc740 \ubd84\uba85\ud558\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc740\ud589\uc774 \uc774\ubbf8 \ub3c8 \ub4e4\uc5ec \ubc14\uafd4\ub193\uc740 \u2018\uc5c5\uadf8\ub808\uc774\ub4dc\u2019<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">IBM\uc758 \uc774\ubc88 \uc870\uce58\ub294 \uae30\uc874 \uacb0\uc81c\ub9dd\uc744 \ub300\uccb4\ud55c\ub2e4\uae30\ubcf4\ub2e4, \ube14\ub85d\uccb4\uc778 \uae30\ub2a5\uc744 \uc740\ud589\uc774 \uc4f0\ub294 \uae30\uc874 \uc778\ud504\ub77c\uc5d0 \ubd99\uc600\ub2e4\ub294 \uc810\uc5d0 \uc758\ubbf8\uac00 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\ub4e4\uc740 \uc218\ub144\uac04 <a href=\"https:\/\/www.swift.com\/standards\/iso-20022\/iso-20022-financial-institutions-focus-payments-instructions\" target=\"_blank\" rel=\"noopener nofollow\">ISO 20022<\/a>\ub85c \uc804\ud658\ud574 \uc654\ub2e4. \uc774\ub294 \uacb0\uc81c\uc5d0 \ubd99\ub294 \ub370\uc774\ud130\ub97c \ub354 \ud48d\ubd80\ud558\uac8c \ub2f4\uae30 \uc704\ud55c \u2018\uacf5\ud1b5 \uc5b8\uc5b4\u2019\ub2e4. IBM\uc758 \uc5b4\ub311\ud130(adapter\u00b7\uc11c\ub85c \ub2e4\ub978 \uc2dc\uc2a4\ud15c\uc744 \uc5f0\uacb0\ud574 \uc8fc\ub294 \uc5f0\ub3d9 \uc18c\ud504\ud2b8\uc6e8\uc5b4)\ub294 \uc740\ud589\uc774 \ubcc4\ub3c4 \ube14\ub85d\uccb4\uc778 \uc5c5\ubb34 \ud750\ub984(workflow\u00b7\uc5c5\ubb34 \ucc98\ub9ac \uc808\ucc28)\uc744 \uc0c8\ub85c \ub9cc\ub4e4\uc9c0 \uc54a\uace0, \uac19\uc740 \uba54\uc2dc\uc9c0 \uccb4\uacc4\ub85c \ud1a0\ud070\ud654 \uc608\uae08 \uc774\uccb4 \uc9c0\uc2dc\ub97c \ud560 \uc218 \uc788\uac8c \ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub3c4\uc785 \uc7a5\ubcbd\uc744 \ub0ae\ucd98\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub300\ubd80\ubd84\uc758 \uc740\ud589\uc5d0 \ubb38\uc81c\ub294 \ube14\ub85d\uccb4\uc778\uc774 \uc874\uc7ac\ud558\ub290\ub0d0\uac00 \uc544\ub2c8\uc5c8\ub2e4. \uc804\ud1b5 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc5d0 \ub9de\ucdb0 \ub9cc\ub4e4\uc5b4\uc9c4 \uc6b4\uc601\u00b7\uc900\ubc95\uac10\uc2dc(\ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4\u00b7\uaddc\uc815 \uc900\uc218 \uccb4\uacc4)\u00b7\ub9ac\uc2a4\ud06c \uad00\ub9ac \ud2c0\uc5d0 \ube14\ub85d\uccb4\uc778\uc744 \uc5b4\ub5bb\uac8c \ub07c\uc6cc \ub123\ub290\ub0d0\uac00 \ud575\uc2ec\uc774\uc5c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud1a0\ud070\ud654 \uc608\uae08\uc740 \uc808\ucda9\uc548\uc774\ub2e4. \ub354 \ube60\ub974\uace0 \u2018\ud504\ub85c\uadf8\ub7a8\uc73c\ub85c \uc870\uac74\uc744 \uac78 \uc218 \uc788\ub294 \uacb0\uc81c(\ud504\ub85c\uadf8\ub798\uba38\ube14 \uacb0\uc81c\u00b7\ud2b9\uc815 \uc870\uac74\uc774 \ucda9\uc871\ub418\uba74 \uc790\ub3d9 \uc2e4\ud589\ub418\ub294 \uacb0\uc81c)\u2019\ub97c \uc2dc\ud5d8\ud558\uba74\uc11c\ub3c4, \uc608\uae08\uc740 \uaddc\uc81c\ubc1b\ub294 \uc740\ud589\uc758 \u2018\ubd80\ucc44(\uc740\ud589\uc774 \uc608\uae08\uc790\uc5d0\uac8c \uac1a\uc544\uc57c \ud558\ub294 \ub3c8)\u2019\ub85c \ub0a8\uae34\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud1a0\ud070\ud654, \uc2e4\ud5d8\uc5d0\uc11c \uc778\ud504\ub77c\ub85c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub7f0 \uc740\ud589\uc758 \uc811\uadfc\uc740 \uaddc\uc81c \ud658\uacbd \ubcc0\ud654\uc640\ub3c4 \ub9de\ubb3c\ub9b0\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IBM \ubc1c\ud45c \uc774\ud2c0 \uc804, <a href=\"https:\/\/www.cftc.gov\/PressRoom\/SpeechesTestimony\/opaselig11\" target=\"_blank\" rel=\"noopener nofollow\">\ubbf8 \uc0c1\ud488\uc120\ubb3c\uac70\ub798\uc704\uc6d0\ud68c(CFTC\u00b7\ud30c\uc0dd\uc0c1\ud488\u00b7\uc120\ubb3c \uaddc\uc81c\uae30\uad00) \uc704\uc6d0\uc7a5 \ub9c8\uc774\ud074 \uc140\ub9ad\uc740 \ub274\uc695 \uc5f0\uc900 \ud589\uc0ac<\/a>\uc5d0\uc11c \ubbf8\uad6d \uc2dc\uc7a5\uc774 \u201c\ub300\uaddc\ubaa8 \ud1a0\ud070\ud654(mass tokenization\u00b7\uc790\uc0b0\uc744 \ub300\uac70 \ud1a0\ud070 \ud615\ud0dc\ub85c \uc804\ud658)\u201d\uc640 \u201c\uc628\uccb4\uc778 \uae08\uc735(onchain finance\u00b7\uac70\ub798\u00b7\uacb0\uc81c\uac00 \ube14\ub85d\uccb4\uc778 \uc0c1\uc5d0\uc11c \uc774\ub904\uc9c0\ub294 \uae08\uc735) \ubc0f 24\uc2dc\uac04\u00b7\uc8fc7\uc77c \uc2dc\uc7a5\u201d\uc5d0 \ub300\ube44\ud574\uc57c \ud55c\ub2e4\uace0 \ub9d0\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub294 \uc0c8 \uaddc\uc815\uc774\ub098 \uc77c\uc815\uc744 \uc81c\uc2dc\ud55c \uac83\uc740 \uc544\ub2c8\ub2e4. \ub2e4\ub9cc \ub17c\uc758\uc758 \ubb34\uac8c\uc911\uc2ec\uc774 \ubc14\ub00c\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc900\ub2e4. \uc815\ucc45\ub2f9\uad6d\uacfc \uae08\uc735\uae30\uad00\uc740 \ud1a0\ud070\ud654 \uc790\uc0b0\uc774 \uae30\uc874 \uc2dc\uc7a5 \uc548\uc5d0\uc11c \uc5b4\ub5bb\uac8c \uc791\ub3d9\ud574\uc57c \ud558\ub294\uc9c0\uc5d0 \ub354 \uc9d1\uc911\ud558\uace0 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uaddc\uc81c \uc7c1\uc810\uc740 \uc5ec\uc804\ud788 \uc5f4\ub824 \uc788\ub2e4. \ud1a0\ud070\ud654\ub294 \uc740\ud589\uc774 \ubc1c\ud589\ud558\ub294 \ub514\uc9c0\ud138 \uc608\uae08, \uc2a4\ud14c\uc774\ube14\ucf54\uc778(stablecoin\u00b7\ubc95\uc815\ud654\ud3d0 \ub4f1\uc5d0 \uac00\uce58\ub97c \uc5f0\ub3d9\ud574 \uac00\uaca9 \ubcc0\ub3d9\uc744 \ub0ae\ucd98 \ub514\uc9c0\ud138 \uc790\uc0b0), \uae30\ud0c0 \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \uc790\uc0b0 \ub4f1 \uc5ec\ub7ec \ud615\ud0dc\uac00 \uac00\ub2a5\ud558\ub2e4. \ubaa8\ub378\uc5d0 \ub530\ub77c \uac10\ub3c5(\uac10\uc2dc\u00b7\uaddc\uc81c), \uacb0\uc81c(\ucd5c\uc885 \ub300\uae08 \uc815\uc0b0), \uc720\ub3d9\uc131(\ud544\uc694\ud560 \ub54c \ud604\uae08\ud654\u00b7\uc774\uccb4 \uac00\ub2a5\uc131), \uc811\uadfc\uc131 \ubb38\uc81c\ub3c4 \ub2ec\ub77c\uc9c4\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ub514\uc9c0\ud138 \uba38\ub2c8\uc758 \u2018\uc778\ud504\ub77c \uacbd\uc7c1\u2019<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589 \uc8fc\ub3c4 \ubaa8\ub378\uc740 \ub514\uc9c0\ud138 \uba38\ub2c8 \uc778\ud504\ub77c\ub97c \ub450\uace0 \ubc8c\uc5b4\uc9c0\ub294 \uacbd\uc7c1\uc758 \uc77c\ubd80\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>\ubaa8\ub378<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\ubc1c\ud589 \uc8fc\uccb4<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\ud575\uc2ec \uc7a5\uc810<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\ud575\uc2ec \uacfc\uc81c<\/strong><\/td><\/tr><tr><td>\ud1a0\ud070\ud654 \uc740\ud589 \uc608\uae08<\/td><td>\uaddc\uc81c\ubc1b\ub294 \uc740\ud589<\/td><td>\uae30\uc874 \uc740\ud589 \uc2dc\uc2a4\ud15c \uc548\uc5d0\uc11c \ub3c8\uc774 \uc774\ub3d9<\/td><td>\uc740\ud589 \uac04 \ud638\ud658\uc131(\uc11c\ub85c \ub2e4\ub978 \uc2dc\uc2a4\ud15c\uc774 \uc5f0\uacb0\ub3fc \uc791\ub3d9\ud558\ub294 \ub2a5\ub825)<\/td><\/tr><tr><td>\uc2a4\ud14c\uc774\ube14\ucf54\uc778(USDT, USDC)<\/td><td>\ubbfc\uac04 \ubc1c\ud589\uc0ac<\/td><td>\uae00\ub85c\ubc8c \ube14\ub85d\uccb4\uc778 \uc720\ub3d9\uc131<\/td><td>\uaddc\uc81c\uc640 \uc900\ube44\uae08(\ub2f4\ubcf4 \uc790\uc0b0) \uac10\ub3c5<\/td><\/tr><tr><td>\ud37c\ube14\ub9ad \ube14\ub85d\uccb4\uc778(\uacf5\uac1c\ud615 \ube14\ub85d\uccb4\uc778)<\/td><td>\ud0c8\uc911\uc559 \ub124\ud2b8\uc6cc\ud06c(\uc911\uc559 \uc6b4\uc601\uc790 \uc5c6\uc774 \ub2e4\uc218\uac00 \uc6b4\uc601)<\/td><td>\uac1c\ubc29\ud615 \uc811\uadfc\uacfc \uae00\ub85c\ubc8c \uacb0\uc81c<\/td><td>\uae30\uad00 \ucc44\ud0dd\uacfc \uaddc\uc815 \uc900\uc218<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud575\uc2ec\uc740 \uc774\ub4e4\uc774 \ub530\ub85c \ubc1c\uc804\ud558\uc9c0 \uc54a\ub294\ub2e4\ub294 \uc810\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc740 \uac00\uc0c1\uc790\uc0b0 \ub124\ud2b8\uc6cc\ud06c\uac00 \uc55e\uc11c \ub9cc\ub4e0 \uac1c\ub150\uc744 \uac00\uc838\uc624\uace0 \uc788\ub2e4. \ud504\ub85c\uadf8\ub798\uba38\ube14 \uc790\uc0b0(\uc870\uac74\uc744 \uac78\uc5b4 \uc790\ub3d9 \uc2e4\ud589 \uac00\ub2a5\ud55c \uc790\uc0b0), \ube14\ub85d\uccb4\uc778 \uacb0\uc81c, 24\uc2dc\uac04 \uc774\uccb4 \ub4f1\uc774 \ub300\ud45c\uc801\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub3d9\uc2dc\uc5d0 \uac00\uc0c1\uc790\uc0b0 \uc778\ud504\ub77c\ub294 \uc804\ud1b5 \uae08\uc735\uc5d0 \uac00\uae4c\uc6cc\uc9c0\uace0 \uc788\ub2e4. \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubc1c\ud589\uc0ac\ub294 \uc5ec\ub7ec \ube14\ub85d\uccb4\uc778\uc73c\ub85c \ud655\uc7a5\ud558\uace0, \uae08\uc735\uae30\uad00\uc740 \ub514\uc9c0\ud138 \uc790\uc0b0\uc774 \uae30\uad00 \uac04 \uacb0\uc81c \ud750\ub984(\uae30\uad00 \uacb0\uc81c\u00b7\uc815\uc0b0 \uacfc\uc815)\uc758 \uc77c\ubd80\uac00 \ub420 \uc218 \uc788\ub294\uc9c0 \uc2dc\ud5d8\ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uacb0\uad6d \uc7c1\uc810\uc740 \ube14\ub85d\uccb4\uc778\uc774 \uae08\uc735\uc5d0 \ub4e4\uc5b4\uc624\ub290\ub0d0\uac00 \uc544\ub2c8\ub77c, <strong>\uacb0\uc81c \u2018\ub808\uc77c(rail\u00b7\uae08\uc735\uc5d0\uc11c \uc790\uae08\uc774 \uc774\ub3d9\ud558\ub294 \uacbd\ub85c\/\ub9dd)\u2019\uc744 \ub204\uac00 \uc950\ub290\ub0d0: \uc740\ud589\uc778\uac00, \ubbfc\uac04 \ub514\uc9c0\ud138 \uba38\ub2c8 \ubc1c\ud589\uc0ac\uc778\uac00, \uc544\ub2c8\uba74 \uc5f4\ub9b0 \ub124\ud2b8\uc6cc\ud06c\uc778\uac00<\/strong>\ub85c \uc62e\uaca8\uac00\uace0 \uc788\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc740\ud589\uc774 \uad6c\uc870\uc801\uc73c\ub85c \uc720\ub9ac\ud55c \uc774\uc720<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud1a0\ud070\ud654 \uc608\uae08\uc758 \uac00\uc7a5 \uac15\ud55c \ub17c\ub9ac\ub294 \u2018\uc740\ud589\uc774 \uc774\ubbf8 \ud1b5\uc81c\ud558\ub294 \uac83\u2019\uc744 \ubc14\ud0d5\uc73c\ub85c \ud55c\ub2e4\ub294 \uc810\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud1a0\ud070\ud654 \uc608\uae08\uc740 \uaddc\uc81c\ubc1b\ub294 \uae08\uc735\uae30\uad00\uc5d0 \ub300\ud55c \uccad\uad6c\uad8c(\ub3c8\uc744 \ub3cc\ub824\ubc1b\uc744 \uad8c\ub9ac)\uc774\ub2e4. \uc740\ud589\uc740 \uace0\uac1d \uad00\uacc4, \uaddc\uc815 \uc900\uc218 \uc758\ubb34, \uadf8\ub9ac\uace0 \ub300\ucc28\ub300\uc870\ud45c(\uc740\ud589 \uc790\uc0b0\u00b7\ubd80\ucc44\ub97c \uc815\ub9ac\ud55c \uc7ac\ubb34\uc81c\ud45c) \uc5f0\uacb0\uc744 \uc720\uc9c0\ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub294 \uae30\uc5c5 \uacb0\uc81c\uc5d0\uc11c \uc18d\ub3c4\ub9cc \uc911\uc694\ud55c \uac8c \uc544\ub2c8\uae30 \ub54c\ubb38\uc774\ub2e4. \uae30\uc5c5\uc740 \ubcf4\ud1b5 \ub2e4\uc74c\uc744 \ud544\uc694\ub85c \ud55c\ub2e4.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\uc2e0\uc6d0 \ud655\uc778(KYC\u00b7\uace0\uac1d \uc2e0\uc6d0 \ud655\uc778),<\/li>\n\n\n\n<li>\uaddc\uc81c \uac10\ub3c5,<\/li>\n\n\n\n<li>\uc720\ub3d9\uc131 \uad00\ub9ac(\ud544\uc694 \uc2dc \uc790\uae08 \ub3d9\uc6d0),<\/li>\n\n\n\n<li>\ud68c\uacc4 \ucc98\ub9ac(\uc7a5\ubd80\uc0c1 \uc778\uc2dd \ubc29\uc2dd),<\/li>\n\n\n\n<li>\ubc95\uc801 \ud655\uc2e4\uc131(\ubd84\uc7c1 \uc2dc \uad8c\ub9ac\uad00\uacc4\uac00 \uba85\ud655\ud55c\uc9c0).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\uad6d\uc801 \uae30\uc5c5\uc774 \uc790\ud68c\uc0ac \uc0ac\uc774\uc5d0\uc11c \uc790\uae08\uc744 \uc62e\uae38 \ub54c, \ube14\ub85d\uccb4\uc778 \uc774\uccb4\ub294 \uae30\uc874 \uc790\uae08\uad00\ub9ac(\ud2b8\ub808\uc800\ub9ac\u00b7\uae30\uc5c5\uc758 \ud604\uae08\u00b7\uc720\ub3d9\uc131 \uad00\ub9ac) \uc2dc\uc2a4\ud15c\uc5d0 \ub4e4\uc5b4\ub9de\uc544\uc57c \uc758\ubbf8\uac00 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uc9c0\uc810\uc5d0\uc11c IBM\uc758 \uc2a4\uc704\ud504\ud2b8 \uc5f0\ub3d9\uc774 \uc911\uc694\ud574\uc9c4\ub2e4. \uc740\ud589\uc5d0 \u2018\uc644\uc804\ud788 \uc0c8\ub85c\uc6b4 \ube14\ub85d\uccb4\uc778 \uc808\ucc28\u2019\ub97c \uc694\uad6c\ud558\ub294 \ub300\uc2e0, \ube14\ub85d\uccb4\uc778\uc744 \uae30\uc874 \uc778\ud504\ub77c\uc5d0 \uc5f0\uacb0\ub41c \ub610 \ud558\ub098\uc758 \uacb0\uc81c \uacbd\ub85c\ub85c \ub9cc\ub4e4\ub824\ub294 \uc2dc\ub3c4\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc608\uae08\uc740 \uc740\ud589\uc758 \ubd80\ucc44\ub85c \ub0a8\uace0, \uace0\uac1d \ud655\uc778\ub3c4 \uc720\uc9c0\ub418\uba70, \uae30\uc874 \uac10\ub3c5\ub3c4 \uadf8\ub300\ub85c \uc801\uc6a9\ub41c\ub2e4. \uc77c\uc694\uc77c\uc5d0 \uc790\ud68c\uc0ac \uac04 \uc790\uae08\uc744 \uc62e\uaca8\uc57c \ud558\ub294 \uae30\uc5c5 \uc7ac\ubb34\ub2f4\ub2f9\uc790\uc5d0\uac8c, \uc18d\ub3c4\uc640 \uc775\uc219\ud55c \ubcf4\ud638\uc7a5\uce58\uc758 \uc870\ud569\uc740 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc774 \ub530\ub77c\uac00\uae30 \uc5b4\ub835\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\uc740\ud589 \uc601\uc5c5\uc2dc\uac04 \ubc16\uc5d0\uc11c\ub3c4 \uc791\ub3d9<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589 \ubaa8\ub378\uc774 \uac15\ud55c \uc774\uc720\ub294 \u2018\uc2e4\ud5d8 \ub2e8\uacc4\ub97c \ub118\uc5b4\uc130\ub2e4\u2019\ub294 \uc810\uc774\ub2e4. \uc2a4\uc704\ud504\ud2b8\ub294 <a href=\"https:\/\/www.swift.com\/news-events\/press-releases\/swifts-blockchain-ledger-ready-use-17-banks-set-pioneer-tokenised-cross-border-payments-trusted-global-infrastructure\">7\uc6d4 17\uac1c \uc740\ud589\uacfc \ud568\uaed8 \ube14\ub85d\uccb4\uc778 \uc6d0\uc7a5\uc744 \uac00\ub3d9<\/a>\ud588\uace0, 9\uc6d4 \ucd08\uc5d0\ub294 <a href=\"https:\/\/www.financexmagazine.com\/post\/citi-moves-tokenised-deposits-on-swift-ledger-with-fab-and-ocbc\">\uc528\ud2f0\uac00 \ud37c\uc2a4\ud2b8\uc544\ubd80\ub2e4\ube44\uc740\ud589(FAB)\u00b7OCBC\uc640 \ud568\uaed8 \ub2ec\ub7ec\ub97c \uc774\ub3d9<\/a>\uc2dc\ucf30\ub2e4. \uc774\ub294 \uc804\ud1b5\uc801\uc778 \u2018\ucef7\uc624\ud504 \uc2dc\uac04(cut-off\u00b7\uc5c5\ubb34 \ub9c8\uac10\uc2dc\uac04, \uadf8 \uc774\ud6c4 \uc9c0\uc2dc\ub294 \ub2e4\uc74c \uc601\uc5c5\uc77c \ucc98\ub9ac)\u2019\uc5d0 \ubb36\uc5ec \uc788\ub358 \ucf54\ub808\uc2a4\ud3f0\ub358\ud2b8 \ubc45\ud0b9(\ud574\uc678 \uc1a1\uae08\uc744 \uc704\ud574 \uc740\ud589\ub4e4\uc774 \uc11c\ub85c \uacc4\uc88c\ub97c \ud1b5\ud574 \uacb0\uc81c\ud558\ub294 \ubc29\uc2dd) \ubc16\uc5d0\uc11c \ud1a0\ud070\ud654 \uc608\uae08 \uc774\uccb4\uac00 \uac00\ub2a5\ud568\uc744 \ubcf4\uc5ec\uc92c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc601\uad6d\uc758 \ud1a0\ud070\ud654 \ud30c\uc6b4\ub4dc \uc2e4\ud5d8\uc740 \uad6d\ub0b4 \uacb0\uc81c\uc5d0 \ucd08\uc810\uc744 \ub9de\ucdc4\ub2e4. \ubc14\ud074\ub808\uc774\uc988, HSBC, \ub85c\uc774\uc988, \ub0b4\ud2b8\uc6e8\uc2a4\ud2b8 \ub4f1\uc774 \ud3ec\ud568\ub41c 7\uac1c \ucc38\uac00 \uae30\uad00\uc740 \uc7ac\uc735\uc790(\ub9ac\ubaa8\uae30\uc9c0\u00b7\ub300\ucd9c \uac08\uc544\ud0c0\uae30) \uc9c0\uae09\uacfc \uc18c\ube44\uc790 \uac70\ub798 \uac19\uc740 \uc0ac\ub840\ub97c \uc2dc\ud5d8\ud588\uace0, \ube44\uc2b7\ud55c \uc2dc\uae30\uc5d0 \uc758\ubbf8 \uc788\ub294 \ub2e8\uacc4\uc5d0 \ub3c4\ub2ec\ud588\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589\uc5d0 \ub9e4\ub825\uc801\uc778 \uc810\uc740 \ubd84\uba85\ud558\ub2e4. \uc608\uae08\uc740 \uc740\ud589 \ubd80\ucc44\ub85c \ub0a8\uace0, \uace0\uac1d \ud655\uc778\uc740 \uc720\uc9c0\ub418\uba70, \uae30\uc874 \uac10\ub3c5\uc774 \uc801\uc6a9\ub41c\ub2e4. \uc8fc\ub9d0\uc5d0 \uc790\ud68c\uc0ac \uac04 \uc790\uae08\uc744 \uc62e\uaca8\uc57c \ud558\ub294 \uae30\uc5c5\uc5d0\uac8c \u2018\ub354 \ube60\ub978 \uc774\ub3d9+\uae30\uc874 \ud1b5\uc81c\u2019\uac00 \ud1a0\ud070\ud654 \uc608\uae08\uc758 \ud575\uc2ec \uac00\uce58\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\uc740\ud589 \ubaa8\ub378\uc758 \ud55c\uacc4<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uccab\uc9f8 \ud55c\uacc4\ub294 \u2018\ucd5c\uc885 \uacb0\uc81c(\ud30c\uc774\ub110 \uc138\ud2c0\uba3c\ud2b8\u00b7\uac70\ub798\uac00 \ub418\ub3cc\ub9b4 \uc218 \uc5c6\uac8c \ucd5c\uc885 \ud655\uc815\ub418\ub294 \ub3c8\uc758 \uc815\uc0b0)\u2019\ub2e4. \uc2a4\uc704\ud504\ud2b8 \uc6d0\uc7a5\uc740 24\uc2dc\uac04 \uacb0\uc81c \uc9c0\uc2dc\ub97c \uc870\uc815\ud558\uc9c0\ub9cc, \ucd5c\uc885 \uc815\uc0b0\uc740 \uc5ec\uc804\ud788 \uc911\uc559\uc740\ud589 \uacb0\uc81c\ub9dd(\uc911\uc559\uc740\ud589\uc774 \uc6b4\uc601\ud558\ub294 \uac70\uc561\uacb0\uc81c \uc2dc\uc2a4\ud15c \ub4f1) \uac19\uc740 \uae30\uc874 \uc2dc\uc2a4\ud15c\uc744 \ud1b5\uacfc\ud55c\ub2e4. \uc774 \uc2dc\uc2a4\ud15c\uc740 \uc601\uc5c5\uc2dc\uac04\uc5d0 \ubb36\uc5ec \uc788\ub2e4. \uadf8 \uacf5\ubc31 \uc2dc\uac04\uc5d0\ub294 \uc2dc\uc2a4\ud15c\uc774 \ub2e4\uc2dc \uc5f4\ub9b4 \ub54c \uac01 \uc740\ud589\uc774 \uacb0\uc81c\ub97c \uc774\ud589\ud560 \uac83\uc774\ub77c\ub294 \u2018\uc0c1\ud638 \uc2e0\ub8b0\u2019\uc5d0 \uc758\uc874\ud558\uac8c \ub41c\ub2e4. \ud30c\uc77c\ub7ff(\uc2dc\ubc94\uc0ac\uc5c5)\uc5d0\uc11c\ub294 \uac00\ub2a5\ud558\uc9c0\ub9cc, \uaddc\ubaa8\uac00 \ucee4\uc9c0\uba74 \uc57c\uac04\u00b7\uc8fc\ub9d0\uc5d0 \uc775\uc2a4\ud3ec\uc800(exposure\u00b7\uc0c1\ub300\ubc29\uc774 \uacb0\uc81c\ub97c \ubabb \ud558\uba74 \ubc1c\uc0dd\ud558\ub294 \uc704\ud5d8)\uac00 \uc313\uc77c \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub458\uc9f8\ub294 \u2018\uc870\uac01\ud654(\ud30c\ud3b8\ud654)\u2019\ub2e4. \ud1a0\ud070\ud654 \uc608\uae08\uc740 \ubc1c\ud589 \uc740\ud589\uc5d0 \ub300\ud55c \uccad\uad6c\uad8c\uc774\ubbc0\ub85c \uc740\ud589 \ub0b4\ubd80\uc5d0\uc11c\ub294 \uc798 \uc6c0\uc9c1\uc774\uc9c0\ub9cc, \uc740\ud589 \ubc16\uc73c\ub85c \ub098\uac00\uba74 \ubd88\ud3b8\ud574\uc9c4\ub2e4. \uc2a4\uc704\ud504\ud2b8, \uc601\uad6d, \ubbf8\uad6d\uc758 TCH(The Clearing House\u00b7\ubbf8\uad6d \uc740\ud589\ub4e4\uc774 \ub9cc\ub4e0 \uc9c0\uae09\uacb0\uc81c \uae30\uad00) \ub4f1 \uac01\uc790 \ubcc4\ub3c4 \uc2dc\uc2a4\ud15c\uc744 \ub9cc\ub4e4\uba74, \uc11c\ub85c \uc5f0\uacb0\ub418\uc9c0 \uc54a\ub294 \u2018\ube60\ub978 \ucc28\uc120\u2019\ub9cc \ub298\uc5b4\ub0a0 \uc218 \uc788\ub2e4. \uc2a4\uc704\ud504\ud2b8\ub294 \uacfc\uac70 \uacb0\uc81c \uba54\uc2dc\uc9c0\uc5d0\uc11c \uadf8\ub7ac\ub4ef \uc5f0\uacb0\uace0\ub9ac \uc5ed\ud560\uc744 \ub178\ub9ac\uc9c0\ub9cc, \uc740\ud589\ub4e4\uc774 \uac01\uc790 \ub124\ud2b8\uc6cc\ud06c\ub97c \uc9c0\ud0a4\uae30\ubcf4\ub2e4 \ucc38\uc5ec\ub97c \uc120\ud0dd\ud574\uc57c \uc131\ub9bd\ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc14b\uc9f8\ub294 \uaddc\ubaa8\ub2e4. 17\uac1c \ud30c\uc77c\ub7ff \uc740\ud589\uc740 \uc2a4\uc704\ud504\ud2b8 \ub124\ud2b8\uc6cc\ud06c\uc758 \uc57d 1\ub9cc2500\uac1c \uae30\uad00 \uc911 \uc77c\ubd80\uc5d0 \ubd88\uacfc\ud558\ub2e4. \uc2dc\ubc94\uc0ac\uc5c5\uc740 12\uc6d4\uae4c\uc9c0\uc774\uba70, \uac70\ub798\ub7c9\ub3c4 \uc758\ub3c4\uc801\uc73c\ub85c \uc791\ub2e4. \ubc18\uba74 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc740 <a href=\"https:\/\/stablecoinbeat.com\/tracker\/\">\uc774\ubbf8 \uc57d 3000\uc5b5\ub2ec\ub7ec \uaddc\ubaa8<\/a>\ub85c, \uc5b8\uc81c\ub4e0 \uc628\uccb4\uc778\uc5d0\uc11c \uacb0\uc81c\ub41c\ub2e4. USDC \ud1a0\ud070\uc740 \uc5b4\ub514\ub85c \uac00\ub3c4 \uac19\uc740 \uc790\uc0b0\uc774\ub2e4. \uc740\ud589 \ud1a0\ud070\uc740 \uadf8\ub7f0 \u2018\uc774\ub3d9\uc131(\ud3ec\ud130\ube4c\ub9ac\ud2f0\u00b7\uc5b4\ub514\uc11c\ub098 \uac19\uc740 \ubc29\uc2dd\uc73c\ub85c \uc4f0\uc774\ub294 \uc131\uc9c8)\u2019\uc744 \ud655\ubcf4\ud574\uc57c \ud55c\ub2e4. \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc740 \ucd9c\ubc1c\ubd80\ud130 \uc774\ub97c \uac16\uace0 \uc788\uc5c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uc55e\uc73c\ub85c \u2018\ud655\uc7a5\uc131\u2019\uc740 \ubb34\uc5c7\uc774 \uc88c\uc6b0\ud558\ub098<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589 \ubaa8\ub378\uc740 \ud0c4\ub825\uc744 \ubc1b\uace0 \uc788\ub2e4. \ub450 \uac1c\uc758 \uc8fc\uc694 \uc2dc\uc7a5\uc5d0\uc11c \uc774\ubbf8 \uac00\ub3d9\ub410\uace0, \uc740\ud589\uc774 \uc6b4\uc601\ud558\ub358 \uc2dc\uc2a4\ud15c\uacfc \ud568\uaed8 \ub3cc\uc544\uac04\ub2e4. \uaddc\uc81c\ub2f9\uad6d\ub3c4 \ud1a0\ud070\ud654\u00b7\uc0c1\uc2dc(24\/7) \uc2dc\uc7a5\uc744 \uacf5\uac1c\uc801\uc73c\ub85c \uac70\ub860\ud55c\ub2e4. \ub0a8\uc740 \uac80\uc99d\uc740 \ub450 \uac00\uc9c0\ub2e4. \u201824\uc2dc\uac04 \uacb0\uc81c \uc9c0\uc2dc\u2019\ub9cc\uc73c\ub85c \ucda9\ubd84\ud55c\uc9c0(\ucd5c\uc885 \uc815\uc0b0\uc774 \uc5ec\uc804\ud788 \uc601\uc5c5\uc2dc\uac04\uc774\uba74 \uc758\ubbf8\uac00 \uc81c\ud55c\ub420 \uc218 \uc788\uc74c), \uadf8\ub9ac\uace0 \uc740\ud589\ubcc4 \ub124\ud2b8\uc6cc\ud06c\uac00 \uacbd\uc7c1\uc774 \uc544\ub2c8\ub77c \uc5f0\uacb0\ub85c \uac08\uc9c0\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud5a5\ud6c4 \uba87 \ub2ec\uc774 \ubd84\uc218\ub839\uc774\ub2e4. 12\uc6d4 \uc774\ud6c4 \ud30c\uc77c\ub7ff\uc744 \ud655\ub300\ud560\uc9c0\uc5d0 \ub300\ud55c \uc2a4\uc704\ud504\ud2b8\uc758 \ud310\ub2e8\uc740 \uc740\ud589\ub4e4\uc774 \ud22c\uc790\ud560 \ub9cc\ud07c\uc758 \uac00\uce58\ub97c \ubcf4\ub294\uc9c0 \ubcf4\uc5ec\uc900\ub2e4. IBM\uc774 \uace0\uac1d\uc0ac\ub97c \uacf5\uac1c\ud558\uba74 \uc5b4\ub311\ud130\uc5d0 \ub300\ud55c \uc2e4\uc81c \uc218\uc694\uac00 \ud655\uc778\ub41c\ub2e4. \uc601\uad6d \uadf8\ub8f9\uc774 \ub2e4\uc74c \ub2e8\uacc4\uc5d0\uc11c \ud1a0\ud070\ud654 \uc608\uae08\uc73c\ub85c \ub514\uc9c0\ud138 \uc790\uc0b0 \uacb0\uc81c\ub97c \uc815\uc0b0\ud558\ub294 \uc2e4\ud5d8\uc740 \u2018\uc740\ud589\uc758 \ub3c8\u2019\uacfc \u2018\uac00\uc0c1\uc790\uc0b0\u2019\uc774 \uc9c1\uc811 \ub9de\ubd99\ub294 \uc9c0\uc810\uc774 \ub41c\ub2e4.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">VT Markets\uc640 \ud568\uaed8 \ubcf4\uae30<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774 \uc778\ud504\ub77c\ub97c \ub9cc\ub4dc\ub294 \uae30\uc5c5\ub4e4\uc740 \uc0c1\uc7a5\uc0ac\uc9c0\ub9cc, \uc8fc\uac00\uac00 \ud30c\uc77c\ub7ff \ud558\ub098\ub85c\ub9cc \uc6c0\uc9c1\uc774\ub294 \uac83\uc740 \uc544\ub2c8\ub2e4. VT Markets\uc5d0\uc11c\ub294 IBM\uacfc \uc528\ud2f0(CITI), \uadf8\ub9ac\uace0 \uc601\uad6d \ud1a0\ud070\ud654 \ud30c\uc6b4\ub4dc \uc2e4\ud5d8\uc5d0 \ucc38\uc5ec\ud55c \uc601\uad6d \uc740\ud589 4\uacf3\uc778 \ubc14\ud074\ub808\uc774\uc988(BARC), HSBC, \ub85c\uc774\uc988(LLOY), \ub0b4\ud2b8\uc6e8\uc2a4\ud2b8(NWG) \uc8fc\uc2dd CFD(CFD\u00b7\ucc28\uc561\uacb0\uc81c\uac70\ub798, \uc2e4\ubb3c \uc8fc\uc2dd\uc744 \ubcf4\uc720\ud558\uc9c0 \uc54a\uace0 \uac00\uaca9 \ubcc0\ub3d9\ubd84\ub9cc \uc815\uc0b0\ud558\ub294 \ud30c\uc0dd\uc0c1\ud488)\ub97c \uac70\ub798\ud560 \uc218 \uc788\ub2e4.<\/p>\n\n\n\n<script type=\"module\" src=\"https:\/\/widgets.tradingview-widget.com\/w\/en\/tv-ticker-tape.js\"><\/script>\n\n<tv-ticker-tape symbols=\"NYSE:IBM,NYSE:C,NYSE:HSBC,NYSE:BCS,NYSE:LYG,NYSE:NWG\"><\/tv-ticker-tape><br>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Tap for Trader&#8217;s Takeaway!<\/strong><\/summary>\n<p class=\"wp-block-paragraph\"><br><strong>IBM\uc758 \uc2a4\uc704\ud504\ud2b8 \ube14\ub85d\uccb4\uc778 \uc5f0\ub3d9\uc774\ub780?<\/strong> <br>IBM\uc774 \u2018\ub514\uc9c0\ud138 \uc560\uc14b \ud5e4\uc774\ube10\u2019 \ud50c\ub7ab\ud3fc\uc744 \uc2a4\uc704\ud504\ud2b8\uc758 \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \uacf5\uc720 \uc6d0\uc7a5\uacfc \uc5f0\uacb0\ud574, \uc740\ud589\uc774 ISO 20022 \ud615\uc2dd\uc758 \uae30\uc874 \uacb0\uc81c \uba54\uc2dc\uc9c0\ub85c \ud1a0\ud070\ud654 \uc608\uae08 \uc774\uccb4\ub97c \uc9c0\uc2dc\ud560 \uc218 \uc788\uac8c \ud55c \uac83\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>ISO 20022\ub780?<\/strong><br>ISO 20022\ub294 \uc740\ud589\uc774 \uacb0\uc81c \uc9c0\uc2dc\ub97c \uc5b4\ub5a4 \ud615\uc2dd\uc73c\ub85c \uc791\uc131\ud558\uace0 \uc5b4\ub5a4 \ub370\uc774\ud130\ub97c \ubd99\uc77c\uc9c0 \uc815\ud55c \uae00\ub85c\ubc8c \ud45c\uc900\uc774\ub2e4. \uc2a4\uc704\ud504\ud2b8\uac00 2025\ub144\uc5d0 \ub124\ud2b8\uc6cc\ud06c\ub97c \uc774 \ud45c\uc900\uc73c\ub85c \uc804\ud658\ud588\uae30 \ub54c\ubb38\uc5d0, \uac19\uc740 \ud615\uc2dd\uc744 \uc4f0\ub294 \ube14\ub85d\uccb4\uc778 \uc5b4\ub311\ud130\ub294 \uc740\ud589 \uc785\uc7a5\uc5d0\uc11c \ub3c4\uc785\uc774 \uc27d\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc740\ud589\uc740 \uc65c \ud1a0\ud070\ud654 \uc608\uae08\uc5d0 \ube14\ub85d\uccb4\uc778\uc744 \uc4f0\ub098?<\/strong> <br>\uc815\uc0b0 \uc18d\ub3c4\uc640 \u2018\ud504\ub85c\uadf8\ub7a8\uc73c\ub85c \uc870\uac74\uc744 \uac78 \uc218 \uc788\ub294 \ucc98\ub9ac(\ud504\ub85c\uadf8\ub798\uba38\ube14 \ucc98\ub9ac)\u2019\ub97c \uac1c\uc120\ud558\ub418, \uc608\uae08\uc744 \uae30\uc874 \uae08\uc735 \uc2dc\uc2a4\ud15c \uc548\uc758 \u2018\uaddc\uc81c\ubc1b\ub294 \uc740\ud589 \ubd80\ucc44\u2019\ub85c \uc720\uc9c0\ud558\ub824\ub294 \ubaa9\uc801\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc740\ud589\ub07c\ub9ac \ud1a0\ud070\uc744 \uc9c1\uc811 \uc5f0\uacb0\ud558\uba74 \ub418\uc9c0 \uc54a\ub098?<\/strong><br>\uac00\ub2a5\uc740 \ud558\ub2e4. \ud558\uc9c0\ub9cc \uc740\ud589\uc774 \ud558\ub098 \ub298 \ub54c\ub9c8\ub2e4 \ub2e4\ub978 \ubaa8\ub4e0 \uc740\ud589\uacfc \uac1c\ubcc4 \uacc4\uc57d\u00b7\uc5f0\uacb0\uc774 \ud544\uc694\ud574 \uc5f0\uacb0 \uc218\uac00 \ube60\ub974\uac8c \ub298\uc5b4\ub09c\ub2e4. \uc774\ub294 \ucf54\ub808\uc2a4\ud3f0\ub358\ud2b8 \ubc45\ud0b9\uc758 \ubcf5\uc7a1\ud55c \uad6c\uc870\ub97c \ub2e4\uc2dc \ub9cc\ub4e0\ub2e4. \uc2a4\uc704\ud504\ud2b8 \uac19\uc740 \uacf5\uc720 \ub124\ud2b8\uc6cc\ud06c\ub294 \uc774\ub97c \uc904\uc77c \uc218 \uc788\uc9c0\ub9cc, \ucda9\ubd84\ud55c \uc740\ud589\uc774 \ucc38\uc5ec\ud574\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud1a0\ud070\ud654 \uc740\ud589 \uc608\uae08\uacfc USDT\u00b7USDC \uac19\uc740 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc758 \ucc28\uc774\ub294?<\/strong> \ud1a0\ud070\ud654 \uc608\uae08\uc740 \uaddc\uc81c\ubc1b\ub294 \uc740\ud589\uc774 \ubc1c\ud589\ud55c\ub2e4. \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc740 \ubbfc\uac04 \uae30\uc5c5\uc774 \ubc1c\ud589\ud558\uba70, \ube14\ub85d\uccb4\uc778 \ub124\ud2b8\uc6cc\ud06c\ub97c \uc624\uac00\uba70 \uc4f0\uc774\ub3c4\ub85d \uc124\uacc4\ub41c \ub514\uc9c0\ud138 \uba38\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uc2a4\uc704\ud504\ud2b8 \ube14\ub85d\uccb4\uc778 \uc6d0\uc7a5\uc740 XRP\ub098 ETH\ub97c \uc4f0\ub098?<\/strong><br>\uc544\ub2c8\ub2e4. \uc774 \uc6d0\uc7a5\uc740 \ud5c8\uac00\ud615(permissioned\u00b7\ucc38\uc5ec\uc790\uac00 \uc81c\ud55c\ub41c)\uc774\uba70 \uc790\uccb4 \uc554\ud638\ud654\ud3d0\uac00 \uc5c6\ub2e4. \uc774\ub354\ub9ac\uc6c0 \uae30\ubc18 \ub124\ud2b8\uc6cc\ud06c\uc778 <a href=\"https:\/\/finance.yahoo.com\/news\/swift-taps-linea-blockchain-messaging-012818986.html\">\ub9ac\ub124\uc544(Linea)\uc758 \uae30\uc220<\/a>\uc744 \ud65c\uc6a9\ud588\uc9c0\ub9cc, \uc740\ud589\uc774 \uadf8 \uc704\uc5d0\uc11c \uc62e\uae30\ub294 \uac83\uc740 \uc554\ud638\ud654\ud3d0\uac00 \uc544\ub2c8\ub77c \ud1a0\ud070\ud654 \uc608\uae08\uc774\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\uaddc\uc81c\ub2f9\uad6d\uc740 \uc740\ud589\uc758 \ube14\ub85d\uccb4\uc778 \ub3c4\uc785\uc744 \uc9c0\uc9c0\ud558\ub098?<\/strong> <br>\uaddc\uc81c\ub2f9\uad6d\uc740 \ud1a0\ud070\ud654\uc640 \uc628\uccb4\uc778 \uae08\uc735\uc744 \ub354 \uc790\uc8fc \ub17c\uc758\ud558\uace0 \uc788\ub2e4. \uc815\ucc45\ub2f9\uad6d\uc740 \ub514\uc9c0\ud138 \uc790\uc0b0\uc744 \uc5b4\ub5bb\uac8c \uae30\uc874 \uc2dc\uc7a5\uc5d0 \ud1b5\ud569\ud558\uace0 \uac10\ub3c5\ud558\uba70 \ud655\uc7a5\ud560\uc9c0\ub97c \uc911\uc810\uc801\uc73c\ub85c \ubcf4\uace0 \uc788\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>24\uc2dc\uac04\u00b7\uc8fc7\uc77c \uad6d\uacbd \uac04 \uc740\ud589 \uacb0\uc81c\ub294 \uc5b8\uc81c \ub110\ub9ac \uac00\ub2a5\ud574\uc9c0\ub098?<\/strong><br>\uc815\ud574\uc9c4 \ub0a0\uc9dc\ub294 \uc5c6\ub2e4. \uc2a4\uc704\ud504\ud2b8 \ud30c\uc77c\ub7ff\uc740 2026\ub144 \ub9d0\uae4c\uc9c0 \uc9c4\ud589\ub418\uba70, \uc804\uccb4 \ud655\ub300\ub294 \uacb0\uacfc\uc5d0 \ub2ec\ub824 \uc788\ub2e4. \u2018\uc9c4\uc9dc 24\uc2dc\uac04 \ucd5c\uc885 \uc815\uc0b0\u2019\uc744 \ud558\ub824\uba74 \uc911\uc559\uc740\ud589 \uacb0\uc81c \uc2dc\uc2a4\ud15c\ub3c4 \uc6b4\uc601\uc2dc\uac04\uc744 \ub298\ub824\uc57c \ud55c\ub2e4.<\/p>\n<\/details>\n\n\n\n\n<p class=\"wp-block-paragraph\"><b>\uc9c0\uae08 \ubc14\ub85c \uac70\ub798\ub97c \uc2dc\uc791\ud558\uc138\uc694 \u2014 VT Markets \uc2e4\uacc4\uc88c\ub97c \uac1c\uc124\ud558\ub824\uba74 <a href=\"https:\/\/www.vtmarkets.com\/kr-asia\/trade-now\/?utm_source=Opinion\">\uc5ec\uae30<\/a>\ub97c \ud074\ub9ad\ud558\uc138\uc694.<\/b>\n\n<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc6cc\uc2f1\ud134\uc11c \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubcf4\uc0c1 \ub17c\uc7c1 \uaca9\ud654 \uc18d, \uc740\ud589\uc740 \uc778\ud504\ub77c\ub85c \ubc18\uaca9. IBM-\uc2a4\uc704\ud504\ud2b8 \uc5f0\ub3d9\uc73c\ub85c ISO20022\ub85c \ud1a0\ud070\ud654 \uc608\uae08 \uc774\uccb4 \uac00\ub2a5. 24\/7 \uacb0\uc81c \ud655\uc0b0, \ucd5c\uc885\uc815\uc0b0\u00b7\ud638\ud658\uc131\uc740 \uad00\uac74.<\/p>\n","protected":false},"author":91,"featured_media":68885,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[48,49],"tags":[],"class_list":["post-68886","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","category-opinion"],"acf":{"acf_article_selection_author":null},"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"\uc6cc\uc2f1\ud134\uc11c \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubcf4\uc0c1 \ub17c\uc7c1 \uaca9\ud654 \uc18d, \uc740\ud589\uc740 \uc778\ud504\ub77c\ub85c \ubc18\uaca9. IBM-\uc2a4\uc704\ud504\ud2b8 \uc5f0\ub3d9\uc73c\ub85c ISO20022\ub85c \ud1a0\ud070\ud654 \uc608\uae08 \uc774\uccb4 \uac00\ub2a5. 24\/7 \uacb0\uc81c \ud655\uc0b0, \ucd5c\uc885\uc815\uc0b0\u00b7\ud638\ud658\uc131\uc740 \uad00\uac74.\" \/>\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.vtmarkets.com\/kr-asia\/featured\/ibm-swift-and-the-rise-of-tokenised-bank-deposits\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.1.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"VT Markets\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"IBM\u00b7\uc2a4\uc704\ud504\ud2b8\uc640 \ud1a0\ud070\ud654 \uc740\ud589\uc608\uae08\uc758 \ubd80\uc0c1 - VT Markets\" \/>\n\t\t<meta property=\"og:description\" content=\"\uc6cc\uc2f1\ud134\uc11c \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubcf4\uc0c1 \ub17c\uc7c1 \uaca9\ud654 \uc18d, \uc740\ud589\uc740 \uc778\ud504\ub77c\ub85c \ubc18\uaca9. 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