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Episode Description:
A global bank consortium is building dollar stablecoin rails without Korean participation.
Twenty-one financial institutions including Bank of America have joined an alliance to issue a dollar-pegged stablecoin, spanning the US, Europe and Japan. The market they are entering is led by USDT at 182.3 billion dollars in circulation and USDC at 73.6 billion, with DAI, USDS and USD1 far behind. Korean banks are absent while domestic rules remain under debate. Separately, Shinhan Bank raised deposit rates by up to 0.36 percentage points.

Sources:
- Korea Alone Excluded as US Banks Form Dollar Coin Alliance - Seoul Economic Daily, September 3 2026
- Banks Raise Deposit Rates as the Reverse Money Move Accelerates - Seoul Economic Daily, September 3 2026

About AI PRISM:
AI PRISM is Seoul Economic Daily's WAN-IFRA award-winning newsroom AI series, delivering Korean economic news adapted for global audiences. Episodes are produced with AI assistance and reviewed by a human editor.

Tags:
#Stablecoin #DigitalAssets #KoreaBanking #USDT #USDC #KOSPI #AIPRISM #SeoulEconomicDaily #WANIFRA

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00:0321 global banks just formed a dollar stablecoin alliance.
00:06Korea is not in it.
00:08The consortium plans a jointly issued dollar-pegged token.
00:11The market it is entering is already dominated by two names.
00:15Korean regulators are still debating the ground rules.
00:18It's Thursday, September 3rd.
00:19Let's break down what's happening in Korea's financial sector.
00:22Bank of America is among the institutions organizing the effort.
00:27Participants span the US, Europe, and Japan.
00:30Korean banks are absent from the founding list.
00:33Here's what the numbers show.
00:3421 global financial institutions have joined the dollar stablecoin issuance alliance.
00:40USDT circulation stands at $182.3 billion, the largest in the market.
00:45USDC follows at $73.6 billion, with DAI at $4.55 billion and USDS at $4.2 billion.
00:54USD1 circulation is $670 million.
00:58Separately, Shinhan Bank raised deposit rates on its main products by up to 0.36 percentage points.
01:04So what does this mean for banking analysts and regulators?
01:07Earlier, we said Korean regulators are still debating the ground rules.
01:11Here's what that actually means for you.
01:13Settlement rails set by a bank consortium become defaults quickly,
01:16and latecomers connect on terms they did not write.
01:20The cost of absence is measured in access, not in market share.
01:24Watch the alliance's issuance timeline and its named participants.
01:27Watch Korea's legislative track on won-denominated stablecoins.
01:31Watch USDT and USDC circulation for share shifts once the token launches.
01:36That's today's AI Prism, Finance Daily.
01:40This episode was produced with AI assistance based on Seoul Economic Daily reporting,
01:45and reviewed by a human editor.
01:47AI Prism is a Juan Ifra award-winning series.
01:50We'll be back tomorrow.
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