Won Stablecoin Merchant Savings Calculator

Merchant Parameters Interactive Rail

Annual Payment Volume $12,500,000

Traditional Card & Interchange Fee 2.20%

Legacy network assessment, interchange, and acquirer margin.

Won Stablecoin Settlement Fee 0.10%

Algorithmic mint/burn routing, liquidity provider reward, and gas overhead.

Share of $3.8B National Savings 3.29 bps

This merchant represents 0.0069% of the projected $3.8B macro economic benefit.

Fee Differential & Retention E-Commerce

Net Annual Savings
$262,500
Straight to merchant EBITDA

Fee Reduction

95.45%

Direct cost deflation

Traditional Fees

$275,000

@ 2.20% interchange

Stablecoin Fees

$12,500

@ 0.10% on-chain

Context & Macro Methodology

The National Assembly Budget Office (NABO) of South Korea analyzed domestic merchant processing structures across credit card networks (Shinhan, Samsung, Hyundai, KB Kookmin) where card interchange averages 1.8% to 2.3% for mid-to-large merchants and up to 2.8% for cross-border and e-commerce transactions.

National Macro Target: $3,800,000,000 (~5.1 Trillion KRW) annual aggregate fee savings across retail, wholesale, and export-import merchants.
Settlement Mechanics: Won-pegged stablecoins (backed 1:1 by Bank of Korea accounts and short-term sovereign debt) bypass card schemes and payment gateway (PG) multi-hop toll roads, slashing fees to ~10 basis points.
Instant Finality: Eliminates the standard T+2 or T+3 card settlement float, preventing working capital lockups.