https://www.youngju.dev/blog 천천히 올바르게. AI Researcher & DevOps Engineer Youngju's tech blog. GPU/CUDA, LLM, MLOps, Kubernetes AI workloads, distributed training, and data engineering. ko fjvbn2003@gmail.com (Youngju Kim) fjvbn2003@gmail.com (Youngju Kim) Mon, 25 May 2026 00:00:00 GMT https://www.youngju.dev/blog/culture/2026-05-25-korea-japan-retail-trading-toss-kakaopay-mirae-asset-kb-securities-sbi-rakuten-matsui-gmo-nomura-2026-deep-dive.en https://www.youngju.dev/blog/culture/2026-05-25-korea-japan-retail-trading-toss-kakaopay-mirae-asset-kb-securities-sbi-rakuten-matsui-gmo-nomura-2026-deep-dive.en The 2026 Korea/Japan retail trading landscape looks completely different from five years ago. Toss Securities crossed 10 million users, proving the 100% mobile model works. KakaoPay Securities Ministock cemented 100-won fractional investing. In Japan, the 2024 new NISA regime triggered explosive retail inflows, and SBI Neo Securities and Rakuten pushed domestic stock commissions to zero. This piece compares Koreas top five apps (Toss, KakaoPay, Mirae Asset, KB, Kiwoom) and nine Japanese firms (SBI, Rakuten, Matsui, GMO, Monex, au Kabucom, Daiwa, Nomura, MUFJ Jibun) across licensing, UX, fees, foreign stocks, APIs, and NISA usage. Mon, 25 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) korea-securitiesjapan-securitiestoss-securitieskakaopay-securitiesmirae-asset-mstockkb-securities-mstocksbi-securitiesrakuten-securitiesmatsui-securitiesgmo-clickmonexau-kabucomdaiwa-connectnomura-net-callmufj-jibunnisa-2024tsumitate-nisafree-commission https://www.youngju.dev/blog/culture/2026-05-25-korea-japan-retail-trading-toss-kakaopay-mirae-asset-kb-securities-sbi-rakuten-matsui-gmo-nomura-2026-deep-dive.ja https://www.youngju.dev/blog/culture/2026-05-25-korea-japan-retail-trading-toss-kakaopay-mirae-asset-kb-securities-sbi-rakuten-matsui-gmo-nomura-2026-deep-dive.ja 2026年5月時点で、韓国・日本のリテールトレーディング風景は5年前とは別物だ。韓国ではトス証券が累計1,000万人を超え、100%モバイルモデルの実現可能性を証明し、カカオペイ証券のミニスタックは100ウォン単位の小数点投資を定着させた。日本では2024年1月開始の新NISA制度がリテール資金の爆発的流入を呼び、SBIネオ証券・楽天証券が国内株式手数料を0円に下げ、「無手数料時代」を切り開いた。本稿は韓国5大アプリ(トス・カカオペイ・未来アセット・KB・キウム)と日本9社(SBI・楽天・松井・GMO・マネックス・au カブコム・大和・野村・MUFJ じぶん銀行証券)をライセンス・UX・手数料・外国株・API・NISA活用まで一気に比較する。 Mon, 25 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) korea-securitiesjapan-securitiestoss-securitieskakaopay-securitiesmirae-asset-mstockkb-securities-mstocksbi-securitiesrakuten-securitiesmatsui-securitiesgmo-clickmonexau-kabucomdaiwa-connectnomura-net-callmufj-jibunnisa-2024tsumitate-nisafree-commission https://www.youngju.dev/blog/culture/2026-05-25-korea-japan-retail-trading-toss-kakaopay-mirae-asset-kb-securities-sbi-rakuten-matsui-gmo-nomura-2026-deep-dive https://www.youngju.dev/blog/culture/2026-05-25-korea-japan-retail-trading-toss-kakaopay-mirae-asset-kb-securities-sbi-rakuten-matsui-gmo-nomura-2026-deep-dive 2026년 한국·일본 리테일 트레이딩 앱 풍경은 완전히 달라졌다. 토스증권이 1,000만 사용자를 넘기며 100% 모바일 모델을 증명했고, 카카오페이증권 미니스탁은 100원 단위 소수점 투자를 정착시켰다. 일본은 2024년 NISA 신제도가 retail 자금 폭증을 일으켰고, SBI 네오증권이 국내주식 수수료를 0엔으로 떨어뜨렸다. 한국 토스·카카오페이·미래에셋·KB·키움 5대 앱과 일본 SBI·楽天·松井·GMO·Monex·au카부·大和·野村·MUFJ 9개 증권사를 라이센스·UX·수수료·해외주식·API·NISA 활용까지 한 호흡으로 비교한다. Mon, 25 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) korea-securitiesjapan-securitiestoss-securitieskakaopay-securitiesmirae-asset-mstockkb-securities-mstocksbi-securitiesrakuten-securitiesmatsui-securitiesgmo-clickmonexau-kabucomdaiwa-connectnomura-net-callmufj-jibunnisa-2024tsumitate-nisafree-commission