LG CNS, 국내 최초 Agentic AI 기반 디지털화폐 자동결제 시스템 시연 - Korea IT Times

LG CNS, an AX (AI Transformation) specialist, announced that it has successfully demonstrated Korea’s first “agentic AI–based digital currency auto-payment system” in collaboration with the Bank of Korea. The system enables AI to autonomously carry out the entire commercial process, from product discovery and purchase decision-making to payment execution. The demonstration was conducted as part of the Bank of Korea’s “Project Hangang,” which is based on a digital currency platform where bank deposits are tokenized and circulated as “deposit tokens.” The pilot is significant in that it implemented a next-generation payment infrastructure in which AI leads all stages of real-world commercial transactions. By verifying the stability and efficiency of AI-driven automatic payments using blockchain-based digital currency, the project also confirmed the broader applicability of digital currency in commercial use. In the demonstration, a digital content creator was set up as a virtual persona, with a simulated real-commerce scenario involving the purchase of images, audio sources, and AI services from multiple platforms for content production. Within this environment, an AI agent searched for and compared products before making purchase decisions autonomously, validating the system’s technical completeness and practical effectiveness. In practice, content creators often make purchases without sufficient comparison of price and quality due to the inconvenience of repeatedly logging in and making payments across multiple platforms. The newly demonstrated system was designed to address these inefficiencies. Under the agentic AI–based digital currency auto-payment system, buyer and seller agents automatically search for and compare content sources according to the creator’s predefined requirements, and complete payments using digital currency within delegated authorization limits. This allows users to move away from complex purchasing procedures and focus more fully on content creation. The system is built on an autonomous agent-to-agent communication architecture. Payments are executed through transfers of deposit tokens between the electronic wallets of buyers and sellers on the digital currency platform. The Bank of Korea plans to continue related research to enable payment methods such as stablecoins similar to deposit tokens to be used within the platform. With the full automation of the commercial process, users are expected to experience a faster and more convenient transaction environment, without the need to manually execute payments. Globally, “agentic commerce,” in which AI acts on behalf of consumers to search for products, make purchases, and complete payments, is emerging as a new trend. As agent-to-agent transactions increase, blockchain-based deposit tokens and stablecoins are gaining attention as alternatives better suited for small-value, high-frequency transactions than traditional card- or account-based payment systems. Kim Hong-geun, Executive Vice President and Head of the Digital Business Division at LG CNS, said the company has demonstrated the technical feasibility of an automated digital currency payment structure through agentic AI technology. He added that LG CNS will continue to work closely with the Bank of Korea to help proactively prepare future payment infrastructure. LG CNS is the lead operator of Project Hangang, responsible for blockchain technology development and platform construction. The company has already completed the development of the Bank of Korea’s digital currency platform and conducted real-transaction tests involving approximately 80,000 customers from seven participating banks between April and June last year. As a follow-up initiative, LG CNS is currently preparing a pilot project for executing government subsidies on a digital currency platform. Building on this foundation, the company plans to further expand its blockchain-based financial businesses, including tokenized securities and stablecoins.