In the new phase, commercial banks will create electronic wallets, vouchers, and blockchain-based infrastructure. In the previous experiment, the central bank itself took on this role. The innovations cover the core accounting systems of commercial banks. Now participants will be able to use tokens within existing banking systems for transactions and settlements. The second phase also includes using CBDC to replace government subsidies or support funds with digital vouchers. At the same time, Korea's Financial Intelligence Unit (FIU) has proposed tightening the limit on the Crypto Travel Rule. This rule requires crypto exchanges to inform regulators about transfers exceeding 1 million won ($650).