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본문의 시장 수치와 외부 프로토콜 정보는 아래 자료에 근거합니다. 괄호 안의 날짜는 자료의 기준일 또는 확인일입니다.
  1. DefiLlama, Stablecoins — 전체 시가총액과 토큰별 점유율(2026-11-02 확인). https://defillama.com/stablecoins
  2. Bloomberg Tax, 「Stablecoin Transactions Rose to Record $33 Trillion, Led by USDC」, Artemis 데이터 인용(2026-01). https://news.bloombergtax.com/tech-and-telecom-law/stablecoin-transactions-rose-to-record-33-trillion-led-by-usdc
  3. Boston Consulting Group, 「Stablecoin Payments: The Truth Behind the Numbers」, Allium 데이터(2026-01). https://www.bcg.com/assets/2026/white-paper-stablecoin-payments-truth-behind-numbers.pdf
  4. GENIUS Act(S.1582, Public Law 119-27, 2025-07-18 서명). 미국 통화감독청(OCC) 보도자료 NR 2026-92(2026-10-21). https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-92.html
  5. Regulation (EU) 2023/1114 on markets in crypto-assets(MiCA). https://eur-lex.europa.eu/eli/reg/2023/1114/oj
  6. 일본 금융청, 개정 자금결제법 시행 안내(2023-06-01). https://www.fsa.go.jp/en/newsletter/weekly2023/540.html
  7. The Block, 「Japan’s JPYC launches yen stablecoin」(2025-10-27). https://www.theblock.co/post/376199/japan-jpyc-launches-yen-stablecoin
  8. 홍콩금융관리국(HKMA), Stablecoin Issuers(조례 시행 2025-08-01, 첫 인가 2026-04-10). https://www.hkma.gov.hk/eng/key-functions/international-financial-centre/stablecoin-issuers/
  9. DefiLlama, Stablecoins by chain(2026-11-02 확인). https://defillama.com/stablecoins/chains
  10. Mastercard, 「Mastercard unveils Agent Pay」(2025-04-29). https://www.mastercard.com/us/en/news-and-trends/press/2025/april/mastercard-unveils-agent-pay-pioneering-agentic-payments-technology-to-power-commerce-in-the-age-of-ai.html
  11. Visa, Visa Intelligent Commerce 발표(2025-04-30). https://usa.visa.com/about-visa/newsroom/press-releases.releaseId.21361.html
  12. Coinbase Developer Platform, x402(2025-05). https://www.coinbase.com/developer-platform/discover/launches/x402
  13. Google Cloud, 「Announcing Agent Payments Protocol (AP2)」(2025-09-17). https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol
  14. Stripe, Agentic Commerce Protocol과 Instant Checkout 발표(2025-09-30). https://stripe.com/newsroom/news/tour-newyork-2025
  15. TRM Labs, 「Who’s actually paying? Measuring AI agent payments onchain」(2026-09-09). https://www.trmlabs.com/trm-tech-blog/whos-actually-paying-measuring-ai-agent-payments-onchain
  16. OWASP, Top 10 for LLM Applications 2025 — LLM01 Prompt Injection, LLM06 Excessive Agency. https://genai.owasp.org/llmrisk/llm01-prompt-injection/
  17. Princeton University·Sentient 연구진, 「AI Agents in Cryptoland: Practical Attacks and No Silver Bullet」, arXiv:2503.16248(2025-03). https://arxiv.org/abs/2503.16248
  18. Circle, Cross-Chain Transfer Protocol 개발자 문서. https://developers.circle.com/cctp
  19. USDT0 기술 문서와 공식 사이트(공급량·누적 전송액 2026-11-02 확인). https://docs.usdt0.to/ · https://usdt0.to/
  20. DefiLlama, Hacks — 브릿지 분류 집계(2026-11-01까지). https://defillama.com/hacks
  21. CoinDesk, 「2026’s biggest crypto exploit: Kelp DAO hit for $292 million」(2026-04-19). https://www.coindesk.com/tech/2026/04/19/2026-s-biggest-crypto-exploit-kelp-dao-hit-for-usd292-million-with-wrapped-ether-stranded-across-20-chains
  22. Circle, CCTP Fees — 빠른 전송 수수료와 maxFee(2026-11-02 확인). https://developers.circle.com/cctp/concepts/fees
  23. Ti, 「AI 이용 안내」(2026-10-21 개정). Anthropic, Commercial Terms of Service. https://www.anthropic.com/legal/commercial-terms
  24. EIP-4361: Sign-In with Ethereum. https://eips.ethereum.org/EIPS/eip-4361
  25. Circle, 「CCTP version updates」(누적 전송 2025-11-14 기준). https://www.circle.com/en/blog/cctp-version-updates
  26. EIP-712: Typed structured data hashing and signing. https://eips.ethereum.org/EIPS/eip-712
  27. EIP-7702: Set Code for EOAs, Pectra 업그레이드(2025-05-07 적용). https://eips.ethereum.org/EIPS/eip-7702
  28. ERC-4337: Account Abstraction Using Alt Mempool. https://eips.ethereum.org/EIPS/eip-4337
  29. OpenZeppelin Contracts 5.x 문서. https://docs.openzeppelin.com/contracts/5.x/
  30. Safe(옛 Gnosis Safe) 문서. https://docs.safe.global/
  31. OpenZeppelin, Access Management(AccessManager). https://docs.openzeppelin.com/contracts/5.x/access-control#access-management
  32. NIST, AI 600-1 「Artificial Intelligence Risk Management Framework: Generative Artificial Intelligence Profile」(2024-07). https://nvlpubs.nist.gov/nistpubs/ai/NIST.AI.600-1.pdf
  33. Uniswap, Protocol fees 문서와 0.01% 수수료 구간 거버넌스 제안. https://developers.uniswap.org/concepts/protocol/fees
  34. The Block, 「Uniswap v4 goes live」(2025-01-31). https://www.theblock.co/post/338223/uniswap-v4-goes-live-with-swaps-rolling-out-across-the-next-few-days
  35. ERC-2612: Permit Extension for EIP-20 Signed Approvals. https://eips.ethereum.org/EIPS/eip-2612
  36. Uniswap Labs, 「Introducing Permit2 & Universal Router」(2022-11-17). https://blog.uniswap.org/permit2-and-universal-router
  37. IDRX 공식 사이트(발행: PT IDRX Indo Inovasi). https://idrx.co/
  38. IDRP 공식 사이트(발행: PT Adhyoka Berkah Maju). https://idrp.io/
  39. CoinDesk, 「South Korea’s long-awaited crypto law stalls over who can issue stablecoins」(2025-12-30). https://www.coindesk.com/policy/2025/12/30/south-korea-s-long-awaited-crypto-law-stalls-over-who-can-issue-stablecoins