신한은행, CBDC 넥스트 스텝…땡겨요·보험까지 '선점' 포석

Shinhan's move to integrate CBDC deposit tokens into actual retail payment systems—rather than keep them confined to testing—signals banks are racing to establish infrastructure dominance before private stablecoins proliferate. The integration of smart contracts and existing services means capturing transaction data that will shape future digital currency adoption. This reflects a banking strategy to leverage regulatory support and existing customer relationships to control the digital payment landscape.