Blockchain is a technology that enables all nodes participating in the network to share the same transaction information in real time, thereby ensuring the reliability of P2P transactions without an authorized third party. In other industries, such as finance, manufacturing and distribution, and public services, using blockchain technology can ensure differentiated reliability. Among them, financial and payment services are considered to be highly utilized. Currently, international wire transfers using SWIFT usually take 2-3 days, while blockchain-based digital currency allows for wire transfers in 20-30 minutes. In addition, the fee is reduced by more than 50% by payment through digital currency rather than the existing card payment or simple payment. Despite these advantages, however, it is currently difficult to actively use digital currency because it is difficult to introduce into the real economy with high price volatility and complex payment methods. In order to prove the value of blockchain and to actively introduce digital currency-based financial services, a solution to solve this problem is essential.