Toss tests blockchain system for public payments

Toss completed a proof of concept in Seoul with Korea Minting, Security Printing and ID Card Operating Corp. for a blockchain-based public payment infrastructure on Friday. The test examined whether blockchain-based digital currency can work with existing public payment systems without replacing them. It used Optimism and Privacy Boost, and Toss said the structure could help small businesses receive sales proceeds sooner and reduce settlement costs.

The project followed a memorandum of understanding signed in April between Toss and Korea Minting, Security Printing and ID Card Operating Corp..

The companies built a separate test environment for local love gift certificates and ran the full process from charging tokenized certificates to payments and merchant settlements.

The system used Optimism, an ethereum layer 2 network, to process transactions while linking digital currency transfers with existing payment systems.

Privacy Boost was tested to protect sensitive transaction information from exposure on a public blockchain during payments.

Toss said the test also examined simultaneous payment and settlement, allowing merchants to move funds at a time of their choosing.

Published Sep 18, 2026 1:30 pm KST

Corporate logos of Komsco and Toss / Courtesy of Toss

Toss, Korea’s dominant financial super-app, has completed a proof of concept with the state-run Korea Minting, Security Printing and ID Card Operating Corp. for a blockchain-based public payment infrastructure connecting digital currency with existing payment systems, the companies said Friday.

The project follows a memorandum of understanding signed in April and examines whether blockchain-based digital currency can work with existing public payment infrastructure.

Toss and Korea Minting, Security Printing and ID Card Operating Corp. built a separate test environment for local love gift certificates and implemented the full payment process, from charging gift certificate tokens with blockchain-based digital currency to payments and merchant settlements.

The system uses Optimism, an ethereum layer 2 network, to process transactions while linking digital currency transfers with transactions handled by existing payment systems.

The companies also tested Privacy Boost, a privacy solution designed to protect sensitive transaction information from exposure on a public blockchain during payments.

Rather than replacing existing public payment infrastructure, the test preserved its existing payment and operating processes while examining whether blockchain-based digital currency could be added as another payment and settlement method.

The project also tested simultaneous payment and settlement, allowing merchants to move funds at a time of their choosing, according to Toss.

Toss said the structure could allow small businesses to receive sales proceeds sooner and reduce settlement costs if adopted in actual services.

The test was conducted as part of cooperation following the April agreement between Toss and Korea Minting, Security Printing and ID Card Operating Corp. to explore connections between digital currency and public payment infrastructure.

Toss said public payment infrastructure must prioritize stability and personal information protection, adding that it will continue testing payment and settlement systems that could reduce burdens on small businesses while complying with regulations.

This article was published with the assistance of generative AI and edited by The Korea Times.

Toss公司周五在首尔与韩国造币、安全印刷和身份证件运营公司合作，完成了基于区块链的公共支付基础设施的概念验证。该测试旨在检验基于区块链的数字货币能否在不取代现有公共支付系统的情况下与之兼容。测试采用了Optimism和Privacy Boost技术，Toss公司表示，该架构可以帮助小型企业更快地收到销售款项并降低结算成本。

该项目是根据 Toss 与韩国造币、安全印刷和身份证运营公司于 4 月签署的谅解备忘录启动的。

这些公司为本地爱情礼品券建立了一个独立的测试环境，并运行了从代币化礼品券收费到支付和商家结算的整个流程。

该系统使用以太坊二层网络 Optimism 来处理交易，同时将数字货币转账与现有的支付系统连接起来。

Privacy Boost 经过测试，可在支付过程中保护敏感交易信息免于在公共区块链上泄露。

托斯表示，该测试还检验了同时支付和结算功能，允许商家在他们选择的时间转移资金。

发布于2026年9月18日下午1:30（韩国标准时间）

Komsco 和 Toss 的企业标志 / 由 Toss 提供

韩国领先的金融超级应用 Toss 周五表示，该公司已与韩国国营的韩国铸币、安全印刷和身份证运营公司完成了基于区块链的公共支付基础设施的概念验证，该基础设施将数字货币与现有支付系统连接起来。

该项目遵循 4 月份签署的谅解备忘录，旨在研究基于区块链的数字货币是否可以与现有的公共支付基础设施协同运作。

Toss 和韩国铸币、安全印刷和身份证运营公司为本地爱情礼券搭建了一个独立的测试环境，并实现了完整的支付流程，从使用基于区块链的数字货币为礼券代币充值到支付和商户结算。

该系统使用以太坊二层网络 Optimism 来处理交易，同时将数字货币转账与现有支付系统处理的交易联系起来。

这些公司还测试了 Privacy Boost，这是一种隐私解决方案，旨在保护敏感的交易信息在支付过程中不被公共区块链泄露。

该测试并没有取代现有的公共支付基础设施，而是保留了现有的支付和运营流程，同时检验能否将基于区块链的数字货币作为另一种支付和结算方式。

据托斯称，该项目还测试了同时支付和结算，允许商家在他们选择的时间转移资金。

Toss表示，如果这种结构在实际服务中得到应用，可以让小企业更快地收到销售款项并降低结算成本。

此次测试是 Toss 与韩国造币、安全印刷和身份证运营公司于 4 月达成合作协议的一部分，旨在探索数字货币与公共支付基础设施之间的联系。

Toss表示，公共支付基础设施必须优先考虑稳定性和个人信息保护，并补充说，将继续测试支付和结算系统，以减轻小企业的负担，同时遵守相关法规。

本文由生成式人工智能协助发布，并由《韩国时报》编辑。