트랜스퍼와이즈-페이게이트, 한국향 외화 송금업무 개시

By Anonymous -


세계 1위 송금 기업인 트랜스퍼와이즈가 페이게이트와 손잡고 타발송금(해외에서 한국으로 송금)서비스 제공을 시작한다고 15일 밝혔다.
국내 많은 송금 기업들이 당발송금(국내에서 해외로 송금)에 집중하고 있는 상황에서 페이게이트는 역발상으로 정반대 송금인 타발송금(해외에서 국내로 송금)서비스로 송금시장에 출사표를 던진다.

일반적인 송금 기업들은 여러 환전사업자 망이나 파트너은행과 협력해  송금 업무를 진행해왔다.

송금자가 현지 통화에서 영국파운드(GBP)나 미국달러(USD)로 환전하여 송금하고, 수령인은 다시 원화(KRW)로 환전을 하는 번거로움과 그 사이 발생하는 수수료들에 대한 부담이 있었다.

하지만 트랜스퍼와이즈의 홈페이지에서 송금을 실행하면 고객은 번거로움과 수수료 걱정을 덜해도 된다. 송금할 금액을 결정하면 수령자가 받게될 최종 금액이 실시간으로 결정되고 직접 환전을 하거나 환전 수수료를 낼 필요없으며,  최소한의 소요시간으로 송금이 완료된다.

트랜스퍼와이즈의 송금 모델은 네팅(Netting, 보낼 돈과 받을 돈을 상계처리)이다. 네팅으로 송금액을 처리하면 송금 수수료를 최소화 화면서 빠른 송금을 가능하게 하여 가장 효율적이고 저렴한 방법이 된다. 글로벌 외화송금기업들 상당수가 네팅방식의 송금 네트워크를 구축해 사업을 전개하고 있는 추세이기도 하다.

페이게이트의 세이퍼트는 블록체인을 기반으로 한 금융 API로 안정성 및 확장성으로 주목받고 있으며, 페이게이트에서 자체적으로 개발한 KYC(Know Your Customer) 인증과 AML(자금세탁방지)기능을 통해 안전한 송금을 지원한다고 밝혔다.

지난해 12월 말부터 트랜스퍼와이즈 타발송금 베타서비스를 실행중에 있으며, 국내 제휴은행인 전북은행과는 원화 지급을 위한 본인확인, 자금세탁방지 시스템 및 API연동을 완료하여 현재 서비스 안정화도 모두 이루어진 상태이다.

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