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韩国央行数字货币试点项目跳过了dent 安全审计

Cryptopolitan2026年7月21日 10:24
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韩国央行数字货币(CBDC)试点项目似乎在没有经过任何独立dent 安全审计的情况下,就已与数千名用户进行了实时区块链支付,这引发了新的疑虑,因为世界各地的中央银行都在加快实施数字货币系统的计划。.

韩国银行的“韩江计划”是全球最著名的 央行数字货币(CBDC)实验 ,其安全措施在韩国以外也引起了广泛关注。然而,尽管该试点项目对相关技术进行了实践检验,但系统验证主要由直接参与实验的银行完成,而非任何外部机构。

飞行员实际验证的内容

韩国金融监督院(FSS)7月20日提交给李勋胜议员办公室的dent 安全检查。该计划第一阶段试点于2025年4月至6月进行。文件显示,监管机构在“汉江计划”第一阶段并未进行

唯一一次正式评估是在系统上线前进行的。报告显示,2025年2月,相关银行进行了初步安全测试,并对其技术漏洞进行了自评。评估工作由友利银行和NH农协银行的内部审计团队完成,并得到了金融安全研究院和SK Shields的协助。.

然而,试点项目启动后,并没有进行外部审计。.

随后,该存款代币系统上市后,其安全风险引发了质疑。韩国央行在试点报告的附注10中指出,他们在系统上线前已对其进行了全面评估,因此无需进行进一步检查。《每日经济新闻》强调,实际上,运营商需要自行评估其运营的安全性。.

薄弱的监管骨干

过去三年,金融监督院和银行业仅就央行数字货币(CBDC)和存款代币进行过一次正式讨论,讨论的重点是新韩银行一款与存款代币挂钩的保险产品。除此之外,银行业没有专门的监管机构来监管央行数字货币。.

BOK 为其行为辩护称,发射前的安全检查是充分的,并遵循了与 FSS 商定的监管准则。.

业内专家声称,安全评估的范围比仅仅发现技术缺陷要广泛得多。.

一位业内人士向《每日经济新闻》表示,“实际交易试点是一个旨在赢得公众信任和技术验证的过程。”该人士还指出,如果由同一机构负责系统的创建、测试和安全性验证,则matic 提供客观的监督。因此,这位人士总结道,开展外部安全验证和审计对于增强市场信心至关重要。.

上述观点反映了中央银行更广泛的思考。2022年,美国联邦储备委员会的研究员塔里克·汉森和卡蒂亚·德拉克将安全性问题视为央行数字货币(CBDC)的主要设计参数之一。他们强调了在国家数字货币评估过程中进行可靠且dent 验证的重要性。.

为什么时机选择会加剧风险

争议的出现是因为韩国开始准备扩大该项目的范围。.

第一阶段已大规模开展。七家银行通过约8.1万个数字钱包和近1.2万家商户完成了11.488万笔交易。然而,Decrypt指出,只有42%的数字钱包用户成功完成了支付。据悉,参与的银行为构建基础设施投入了300亿至350亿韩元。.

第二阶段规模会更大。.

7月15日,金融服务委员会批准了该项目的下一阶段。此次批准将庆南银行和iM银行纳入该项目,使参与银行总数达到九家。钱包会员人数上限将从10万提高到50万,个人钱包限额也将从100万韩元提高到1000万韩元。新增的技术功能包括个人转账、生物识别认证、matic 充值和可编程政府补贴支付。.

“杭钢计划”展现了一种混合模式,引起了国际社会的广泛关注。该计划并非直接向公众发行零售型央行数字货币(CBDC),而是设想由商业银行在区块链上发行存款代币,这些代币由金融机构之间使用的批发型CBDC作为支撑。.

韩国央行数字货币规划团队负责人金东燮将该框架描述为“央行数字货币和稳定币之间的中间地带”。

混合模式是许多中央银行开始考虑的一种方案。随着韩国即将向约50万用户推出可编程政府支付,缺乏对生产安全性的dent 验证不再仅仅是韩国国内的问题。韩江项目采用的验证流程可能会影响各国如何监控央行数字货币(CBDC)的活动,尤其是在各国自身的CBDC项目从受控试点阶段过渡到日常应用阶段之际。.

不要只是阅读加密货币新闻,要理解它。订阅我们的新闻简报, 完全免费。

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