가상자산과 전통 금융의 경계가 무너진다: 바이낸스의 공격적 확장과 AI 혁명 > K-wave Trends

Binance's recently introduced perpetual futures product with Samsung Electronics, SK Hynix, and Hyundai Motor Company as underlying assets is causing a big stir in the existing financial market. Users can now invest in the stock price movements of large Korean companies 24 hours a day by creating up to 20x leverage using Tether (USDT) without owning actual stocks. This is a method that completely overcomes the geographical and time constraints of existing stock exchanges and institutional financial institutions. Binance has already introduced US stock and ETF trading services, and is also planning a tokenized securities service, 'bStocks', in the future, effectively revealing its ambition to evolve into a 'global all-in-one financial platform'. These actions are blurring the boundaries between virtual assets and traditional finance, providing investors with new opportunities and an environment where they are exposed to high-risk derivatives.

However, there is ongoing controversy over the conflict with domestic legal regulations over the launch of such aggressive products. The legal community and financial authorities are paying attention to the fact that Binance's products are actually operated without domestic financial investment business approval, even though they are stock-linked derivatives. If it is classified as a derivative under the Capital Markets Act, controversy over illegality may arise due to unauthorized business. Binance may claim that this is an independent virtual asset product, but the Supreme Court's precedent maintains that regulations can be applied even if transactions are made through overseas exchanges if they affect the domestic market and investors. Financial authorities are also showing a cautious yet warning attitude, saying they will judge whether or not to regulate based on activities and marketing targeting domestic citizens rather than the type of product.

Meanwhile, Binance is carrying out massive organizational innovation internally, independent of external expansion. While technology companies around the world were focusing on reducing costs and reducing manpower due to the introduction of AI, Binance chose to go head-on by allocating 20% ​​of new hires to AI-related positions and expanding investment in talent. This is a result that reflects the management philosophy of using AI not as a means to replace humans, but as an auxiliary tool to maximize employees' work productivity. In fact, Binance has implanted its own AI tools such as 'SAFUGPT', 'Hexa', and 'Clawbot' deep into the company's workflow, automating repetitive tasks and creating an environment where employees can focus on higher-level decisions. This strategy breaks the industry's common belief that technology adoption leads to job insecurity and presents a new employment model called 'AI-utilizing organization'.

Binance’s AI innovation goes beyond the simple introduction of tools and leads to systematic education and establishment of governance. This year alone, we conducted 8 types of AI training 28 times and achieved a high employee participation rate of 87%, which clearly demonstrates our determination to internalize AI capabilities throughout the company. In addition, it is noteworthy that we have acquired the international standard 'ISO/IEC 42001' certification to resolve ethical risks and data security issues that may arise during the process of introducing AI. It is a strategy to kill two birds with one stone - technological innovation and security - by strengthening data protection and human supervision through a 'privacy by design' approach. This proves how proactive Binance is in responding to AI ethics issues facing technology companies.

In contrast to these changes in Binance, the domestic digital asset market has recently been experiencing an unusual situation called the ‘reverse kimchi premium’ phenomenon. This phenomenon, where the price of Bitcoin is traded at a price that is millions of won lower than that on overseas exchanges, suggests that liquidity in the digital asset market is depleting as domestic investor sentiment shifts to booming stock markets such as KOSPI. The increasing number of investors leaving the domestic market, where institutional uncertainty has not been resolved, and moving funds to overseas exchanges raises concerns about the weakening competitiveness of the domestic virtual asset ecosystem. If urgent regulation is not eased, such as allowing corporations to invest in virtual assets and institutionalizing stablecoins, there is a high risk that the domestic market will be further excluded from the flow of global financial innovation.