Crypto auto trading reality, the dates the rules set from the day a bot starts to the first tax return in May 2028

2026-11-02

Most writing on crypto auto trading reality counts returns and fees. This piece looks at the calendar.

A bot runs day and night, but exchange rules and Korean law set dates and hours, and money only moves inside them. Assuming a bot is first switched on in November 2026, here are the dates it meets, in order.

Sources are Upbit's help center FAQ (read on 31 October 2026), the Financial Services Commission, the National Tax Service and the Income Tax Act. Nothing that needs interpretation is included.

1.Day one: opening the account and depositing won

Upbit's help center says people under 19 cannot trade. The API key the bot uses comes from this account, so the owner's age is the first gate.

The first clock starts the moment won is deposited for the first time. A bot that only buys and sells inside this account will not notice it. A bot that moves coins elsewhere hits it at once.

2.The first three days and the first transfer: clocks set by the exchange

72 hours after the first won deposit

Upbit says that to prevent voice phishing, pharming and similar fraud, digital asset withdrawals are blocked for 72 hours after the first won deposit (Upbit help center). The block lifts by itself after 72 hours, and no other way to lift it is given.

A bot that moves coins to chase price gaps between exchanges cannot move anything in the first three days. The FAQ was last edited on 16 March 2020, so it is safer to check that day's page before starting.

24 hours after every later deposit

A smaller clock stays after the first three days. The same help page says that if won was deposited in the last 24 hours, the withdrawal limit shown is the smallest of three values.

• Daily limit: set by the security level
• Single limit: set for each coin
• Remaining assets: total assets minus withdrawals in progress and won deposited in the last 24 hours

Withdrawal limit: the most the exchange will send out at that moment, never above the daily limit.

Upbit's own example: assets of 50 million won, 5 million won more deposited and 5 million won being withdrawn. Subtracting 10 million won from 55 million won leaves a limit of 45 million won.

On a day more money is added to the bot, that amount cannot leave for 24 hours.

1 million won when moving to another exchange

The travel rule took effect on 25 March 2022. When a virtual asset service provider moves virtual assets worth 1 million won or more to another provider, the sender's and receiver's details go with it (FSC, 24 March 2022). The amount is the value the exchange shows at the request, converted to won.

This line is moving. On 11 August 2026 the Cabinet approved an amendment to the Enforcement Decree of the Financial Transaction Reports Act that extends the duty from 1 million won or more to every transfer (Korea.kr, 11 August 2026).

That part takes effect six months after promulgation, and the government's headline says from next year. Transfers with overseas exchanges or personal wallets get allowed ranges by risk level, and for 10 million won or more the exchange must run its own suspicious transaction checks.

!Once the amendment applies, transfers split under 1 million won are checked too. Confirm the date in exchange notices.

3.Every month-end: the day overseas balances are counted

Running a bot on an overseas exchange adds one more date each month. The National Tax Service says a report is due if, on any month-end of the year, the total held in overseas financial accounts exceeds 500 million won (NTS overseas financial accounts).

Virtual assets count, and accounts opened abroad for virtual asset trading are included. The report is due from 1 to 30 June of the next year, and a missing or short report draws a fine of 10% of that amount (capped at 1 billion won).

For a bot that ran on an overseas exchange in 2026, the first report window is June 2027.

4.From 31 December to May 2028: the tax dates

The tax dates are in the Income Tax Act as amended by Act No. 20615 (Income Tax Act, 2027 version).

• 31 December 2026: for coins held before 2027, the acquisition cost is the larger of that day's market value and the actual cost (Article 37(5))
• 1 January 2027: transfers and loans from this day on are counted as virtual asset income (Addenda Article 5 of Act No. 17757)
• 1 to 31 May 2028: the 2027 income is reported by the person who earned it (Article 70)

A bill to push the start to 1 January 2030 is before the National Assembly, while the government says it will tax from 2027 (Financial News, 11 August 2026). The rates and the order of the calculation are in the crypto auto trading program tax post.

5.Three-line summary

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