{"id":1003,"date":"2026-01-19T10:20:04","date_gmt":"2026-01-19T01:20:04","guid":{"rendered":"https:\/\/bitpress.kr\/?p=1003"},"modified":"2026-01-19T14:59:50","modified_gmt":"2026-01-19T05:59:50","slug":"bank-crypto-money-war-2026","status":"publish","type":"post","link":"https:\/\/bitpress.kr\/en\/bank-crypto-money-war-2026\/","title":{"rendered":"The great bank deposit \u201cexodus\u201d: money flowing into crypto and stocks kicks off a financial \u201cGame of Thrones\u201d"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Demand deposits at Korean banks have fallen by more than KRW 30 trillion this year. At the five major commercial banks, balances dropped to the KRW 643 trillion range as of the 15th, and this is not simply because of rate cuts. Amid KOSPI\u2019s record highs and the Bitcoin ETF craze, a \u201cmoney move\u201d is accelerating as investors leave banks and shift funds to brokerage CMAs and crypto exchanges.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"vs--vs\">Banks vs. exchanges vs. brokerages: a clash of powers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Traditional banks are in trouble as the appeal of deposit interest fades. With time deposit rates falling, outflows of more than KRW 10 trillion a day keep recurring, and banks are holding on by issuing bank bonds, but their stable funding is shaking. Brokerage IMAs (integrated investment accounts), on the other hand, are hot on KOSPI\u2019s gains (KRW 1 trillion in net inflows this year). Even the National Pension Service is discussing raising its allocation to Korean stocks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Crypto exchanges are the dark horse in this game. The 16 million users (32% of the population) of Korean exchanges such as Upbit and Bithumb are shifting to long-term investing centered on Bitcoin (60% of holdings). Despite $110 billion flowing abroad, the lifting of the ban on corporate investment and hopes for easier stablecoin rules are turning exchanges into \u201crising powers.\u201d<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Player<\/th><th class=\"has-text-align-left\" data-align=\"left\">Strengths<\/th><th class=\"has-text-align-left\" data-align=\"left\">Weakness<\/th><th class=\"has-text-align-left\" data-align=\"left\">Estimated inflows (H1 2026)<\/th><\/tr><\/thead><tbody><tr><td>Banks<\/td><td>Stability, existing customers<\/td><td>Low rates, liquidity outflows<\/td><td>-KRW 30\u201350 trillion<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.mk.co.kr\/news\/stock\/11936400\"><\/a>\u200b<\/td><\/tr><tr><td>Brokerage<\/td><td>Stock boom, CMA convenience<\/td><td>Volatility risk<\/td><td>+KRW 20 trillion<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.mk.co.kr\/news\/economy\/11936396\"><\/a>\u200b<\/td><\/tr><tr><td>Crypto exchanges<\/td><td>24\/7 trading, high-return potential<\/td><td>Regulatory uncertainty<\/td><td>+KRW 10 trillion (Korea only)<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.disruptionbanking.com\/2026\/01\/05\/koreas-crypto-crash-80-volume-drop-and-%E2%82%A9160t-exodus\/\"><\/a>\u200b<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">The real insight from this \u201cexodus\u201d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For Bitcoin and stock investors, this is the opening shot of a \u201cliquidity war.\u201d Bank deposits have become \u201cdead money\u201d that cannot even beat inflation, while KOSPI and Bitcoin promise returns of 20\u201350% a year. For example, moving a KRW 100 million deposit into crypto would earn KRW 30 million on a short-term 30% rise, but you must also accept the risk of a 20% drop.<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.binance.com\/en\/square\/post\/35104642644873\"><\/a>\u200b<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Looking deeper, it is a trend away from centralization. Stablecoins are threatening bank deposits, and overseas coins like Tether are emerging as top holders of U.S. Treasuries. The Bank of Korea\u2019s halted CBDC pilot (100,000 participants), followed by a turn toward private stablecoins, proves the point. From an investor\u2019s view: banks are a \u201cprotective wall,\u201d but crypto and stocks are a \u201cgrowth engine.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The future of banks: adapt or fall behind<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Banks are already fighting back. Shinhan, KB and Woori Bank have formed crypto task forces and are taking stakes in Web3 companies (such as GOPAX). If the Financial Services Commission\u2019s \u201cDigital Asset Basic Act\u201d allows bank-led stablecoin consortiums (50%+1), won-denominated stablecoins could stem the deposit exodus. With Big Tech alliances also joining in \u2014 Mirae Asset (pursuing an acquisition of Korbit), Naver and others \u2014 banks are expected to transform into \u201chybrid financial hubs.\u201d If they fail, another KRW 100 trillion in deposits could leave.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Crypto exchanges: the \u201cAmazon\u201d of finance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Upbit (80% market share) would leap into a hub for stablecoins and tokenized assets if regulations ease. The inflow of institutional money as corporate investment is allowed in 2026, along with Bitcoin mining stocks (BitMine as the No. 2 buyer), backs this up. For investors: exchanges are a gateway to 24-hour high leverage and DeFi, but beware the risk of the kimchi premium collapsing. In the long run, they will partner with banks to play the role of a \u201cdigital Wall Street.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">BITPRESS Insight<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If banks today have served as \u201cmoney storage,\u201d crypto exchanges will evolve into \u201cglobal asset hubs\u201d from 2026 onward. If you hold Bitcoin, watch for Upbit and Bithumb to launch won stablecoins once the Digital Asset Basic Act passes \u2013 a structure that shares 15% returns from tokenized assets instead of 3% bank deposit interest, marking a first step away from centralization and direct access to liquidity pools for retail investors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>\ud55c\uad6d \uc740\ud589\ub4e4\uc758 \uc694\uad6c\ubd88\uc608\uae08 \uc794\uc561\uc774 \uc62c\ud574 \ub4e4\uc5b4 30\uc870 \uc6d0 \ub118\uac8c \uc904\uc5c8\uc2b5\ub2c8\ub2e4. 5\ub300 \uc2dc\uc911\uc740\ud589 \uae30\uc900\uc73c\ub85c \uc9c0\ub09c 15\uc77c 643\uc870 \uc6d0\ub300\uae4c\uc9c0 \uac10\uc18c\ud55c \uc774 \ud604\uc0c1\uc740 \ub2e8\uc21c \uae08\ub9ac \uc778\ud558 \ud0d3\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ucf54\uc2a4\ud53c \uc0ac\uc0c1 \ucd5c\uace0\uce58 \ub3cc\ud30c\uc640 \ube44\ud2b8\ucf54\uc778 ETF \uc5f4\ud48d \uc18d, \ud22c\uc790\uc790\ub4e4\uc774 \uc740\ud589\uc744 \ub5a0\ub098 \uc99d\uad8c\uc0ac CMA\uc640 \ucf54\uc778 \uac70\ub798\uc18c\ub85c \uc790\uae08\uc744 \uc62e\uae30\ub294 &#8216;\uba38\ub2c8 \ubb34\ube0c&#8217;\uac00 \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.\u200b \uc740\ud589 vs \uac70\ub798\uc18c vs \uc99d\uad8c\uc0ac: \uc138\ub825\uc758 \ucda9\ub3cc \uc804\ud1b5 \uc740\ud589\uc740 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1006,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"bitpress_en_title":"","bitpress_en_desc":"","footnotes":""},"categories":[24,1],"tags":[365,362,134,260,366,361,364,363],"class_list":["post-1003","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-it-business","category-crypto","tag-365","tag-362","tag-134","tag-260","tag-366","tag-361","tag-364","tag-363"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\uc740\ud589 \uc608\uae08 &#039;\ub300\ud0c8\ucd9c&#039;\u2026\ucf54\uc778\u00b7\uc8fc\uc2dd\uc73c\ub85c \uc3e0\ub9b0 \ub3c8, \uae08\uc735\ud310 &#039;\uc655\uc88c\uc758 \uac8c\uc784&#039; 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