Soon the world will switch to electronic money. In the future, we will pay for utilities, including garbage, electricity, gas, delivery services, pay for purchases with electronic money and certificates. Micropayments are already one of the first links in this chain.

The essence of 소액결제 현금화 is the exchange of counterfeit-proof electronic bearer certificates for a certain amount, the conversion of which into ordinary money is guaranteed by the issuer. The exchange of such certificates over the Network can be fast, secure, and cheap. In principle, the technology of exchange in terms of convenience, cheapness and versatility can be brought to the level of ordinary cash payments.

A large number of electronic cash models have been developed, differing in the level of technology development, confidentiality, anonymity level, online operation and delayed authorization mode. One of the most important aspects of the introduction of payment systems is related to the development of legal models of electronic money circulation.

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