Economy April 13, 2026 10:04 PM

Bank of Korea governor nominee backs won-denominated stablecoins, flags household debt and reserve diversification

Shin Hyun-song says CBDCs, deposit tokens and stablecoins can coexist as he outlines household debt and FX reserve priorities ahead of confirmation hearing

By Avery Klein
Bank of Korea governor nominee backs won-denominated stablecoins, flags household debt and reserve diversification

Shin Hyun-song, the nominee for governor of the Bank of Korea, told parliament in written remarks that won-denominated stablecoins should be introduced and could coexist with central bank digital currencies and deposit tokens. He reiterated concerns over high household debt and the need for continued de-leveraging and property market measures, and said the central bank would consider diversifying foreign exchange reserves with investments in gold exchange-traded funds, according to media reports.

Key Points

  • Nominee Shin Hyun-song supports the introduction of won-denominated stablecoins and says CBDCs and deposit tokens can coexist with stablecoins - impacts crypto, banking and payments sectors.
  • Shin called for continued de-leveraging and consistent policy measures to stabilise house prices, and expressed conditional agreement with regulations on owners of multiple homes - relevant to real estate and mortgage markets.
  • Media reports indicate the central bank would consider diversifying FX reserves with investments in gold exchange-traded funds - relevant to sovereign reserve management and financial markets.

SEOUL, April 14 - In written remarks submitted to parliament on Monday, Shin Hyun-song, the nominee to lead the Bank of Korea, said won-denominated stablecoins should be introduced and would have a role in the future currency landscape.

Shin wrote that he expects central bank digital currencies and deposit tokens to be able to coexist with stablecoins "in a manner that is supplementary and competitive to each other," the Bank of Korea said on Tuesday. The nominee is scheduled to appear at a parliamentary confirmation hearing on Wednesday.

The remarks reiterated the central bank's prior engagement with digital currency experiments. In 2023, the Bank of Korea ran a joint project to test a central bank digital currency with the Bank for International Settlements, an initiative Shin was involved with during his previous employment there.

On household finances, Shin signalled that efforts to reduce leverage among households must continue. He noted household debt levels remain high and argued that policy actions to stabilise prices should proceed alongside de-leveraging measures.

"It is still uncertain if the stabilising trend (in house prices) will continue, so policy measures to control demand and increase supply need to be pursued consistently," Shin said in his written submission.

Local media reports cited Shin as aligning with government rules targeting owners of multiple homes, while also expressing caution about property taxes that could be deemed excessively high. The nominee's comments indicate support for demand-side and supply-side actions to address housing market stability, paired with sensitivity to tax burdens.

Reports also said Shin told the central bank would look at diversifying its foreign exchange reserves by allocating some holdings to gold exchange-traded funds. The remarks on reserve strategy were described in media accounts rather than in the written submission itself.


Contextual note - The statements were provided in a written format to parliament and supplement the agenda for Shin's upcoming confirmation hearing. They touch on digital currency policy, household debt management and potential changes to reserve composition.

Risks

  • Uncertainty over whether the recent stabilising trend in house prices will continue, creating policy risk for the housing and mortgage sectors.
  • Potential market and political sensitivity around property taxes, as Shin warned against excessively high levies while agreeing with multi-home ownership regulations.
  • Changes to foreign exchange reserve composition, such as adding gold ETFs, could introduce shifts in reserve management strategy and exposure for financial markets.

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