# PFlow (pflowmoney.com) — Comprehensive LLM Context

Last updated: 2026-07-14

## What is PFlow?

PFlow (피플로) is a free Korean financial data platform serving both Korean and international investors. It aggregates real-time market data, AI-powered analysis, regulatory disclosures, educational content, and investment tools across multiple asset classes:

- **1,900+ Korean stocks** (KOSPI, KOSDAQ) via Naver Finance API
- **480+ US/global stocks** (NASDAQ, NYSE, S&P 500) via Yahoo Finance API
- **100+ cryptocurrencies** (Upbit KRW market) via Upbit Public API
- **Korean & US ETFs** with holdings, fees, and returns
- **DART disclosures** (Korean regulatory filings) by stock, category, and date
- **380+ chart-indicator guides** (RSI, MACD, Bollinger Bands, and more)
- **Hundreds of investment themes** grouping Korean and US related stocks
- **AI-generated financial news** (daily, multiple categories)
- **19 investment calculators** for a wide range of financial scenarios

**Primary URL**: https://pflowmoney.com (Korean)
**English URL**: https://pflowmoney.com/en (every path is mirrored under /en)
**Languages**: Korean (primary), English
**Access**: Free, no registration required for market data

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## Korean Stock Market

### What is KOSPI?
KOSPI (Korea Composite Stock Price Index) is the main stock market index of South Korea. It tracks companies listed on the Korea Exchange (KRX) main board, weighted by market capitalization. Major constituents include Samsung Electronics (005930), SK Hynix (000660), Hyundai Motor (005380), and LG Energy Solution (373220). As of 2026, KOSPI has roughly 950+ listed companies. PFlow provides real-time data for all KOSPI stocks.

### What is KOSDAQ?
KOSDAQ (Korea Securities Dealers Automated Quotations) is South Korea's secondary stock exchange, comparable to NASDAQ. It focuses on technology, biotech, and growth companies, with roughly 1,600+ listings. Major names include Ecopro BM, HLB, and Alteogen. PFlow covers all KOSDAQ stocks.

### Korean Market Hours (KST)
- Regular trading: 09:00–15:30 (Mon–Fri)
- Pre-market: 08:00–09:00
- After-hours: 15:40–18:00

### Korean Stock Codes
Korean stocks use 6-digit numeric codes (e.g., 005930 for Samsung Electronics). PFlow uses these in URLs like `/domestic/005930`.

### Korean Stock Pages
Each stock at `/domestic/{code}` provides real-time price, AI technical analysis (RSI, MACD, Bollinger Bands, moving averages), buy/sell signal interpretation, news, and FAQ structured data. Sub-pages:
- Dividend (배당금·배당수익률): `/domestic/{code}/dividend`
- AI analysis (기술적 분석): `/domestic/{code}/analysis`
- Financial statements (재무제표): `/domestic/{code}/financials`
- Target price (목표주가): `/domestic/{code}/target-price`
- AI prediction (AI 예측): `/domestic/{code}/ai-prediction`

### Korean Stock Rankings (랭킹)
- Market cap: https://pflowmoney.com/ranking/market-cap
- Trading volume (거래량): https://pflowmoney.com/ranking/volume
- Foreign net-buying (외국인 순매수): https://pflowmoney.com/ranking/foreign
- Most-viewed / hot (인기): https://pflowmoney.com/ranking/hot
- Dividend TOP 100 (고배당주): https://pflowmoney.com/ranking/dividend
- Top stocks overview: https://pflowmoney.com/ranking/top-stocks

### Disclosures — DART Filings (공시)
URL: https://pflowmoney.com/disclosures
Korean regulatory disclosures from DART (Data Analysis, Retrieval and Transfer system of the Financial Supervisory Service). Browse by:
- Stock: `/disclosures/by-stock/{code}`
- Category: `/disclosures/category/{category}`
- Date: `/disclosures/date/{date}`
- Individual filing: `/disclosures/{slug}`

### Movers — Daily Gainers & Losers (급등락)
URL: https://pflowmoney.com/movers
Auto-published immediately after market close: KOSPI/KOSDAQ top gainers and losers with change rates, volume spikes, related news, and disclosures, written up as short "mover stories." Browse by [slug], `/movers/by-stock/{code}`, `/movers/tag/{tag}`, and `/movers/date/{date}`.

### Funds (펀드)
URL: https://pflowmoney.com/funds
Fund holdings data, including which funds hold a specific stock at `/funds/by-stock/{code}` and individual fund pages at `/funds/{slug}`.

### Stock Screener (스크리너)
URL: https://pflowmoney.com/screener
Filter Korean stocks by market capitalization, price change, and dividend yield.

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## Global (US/International) Stock Market

PFlow tracks 480+ US and international stocks. Coverage by sector:

- **Tech/AI**: NVDA, AAPL, MSFT, GOOGL, META, AMZN, TSLA, CRM, ORCL
- **Semiconductors**: NVDA, AMD, INTC, AVGO, QCOM, TSM, ASML, AMAT
- **Financials**: JPM, BAC, GS, BRK.B, V, MA, AXP
- **Healthcare**: JNJ, LLY, UNH, ABBV, MRK, PFE
- **Energy**: XOM, CVX, COP, SLB
- **Defense**: LMT, RTX, NOC, GD, BA
- **ETFs**: SPY, QQQ, VTI, ARKK, VOO, IWM

### Global Stock Pages
Each stock at `/world/{CODE}` provides:
- Real-time price in USD with KRW conversion
- Pre-market and after-hours pricing
- AI technical analysis (RSI, MACD, Bollinger Bands, moving averages) and buy/sell signal interpretation
- News analysis and sentiment
- Exchange-rate (USD/KRW) impact on returns
- Dividend yield and history: `/world/{CODE}/dividend`
- AI analysis page: `/world/{CODE}/analysis`
- Insider trading (SEC Form 4): `/world/{CODE}/insider`
- FAQPage structured data per stock

Note: NASDAQ tickers use the `.O` suffix in the URL (e.g., `/world/NVDA.O`, `/world/AAPL.O`). Plain tickers without the suffix return 404.

### Sector Screeners
- AI & Tech: https://pflowmoney.com/world/sector/ai
- Semiconductor: https://pflowmoney.com/world/sector/semiconductor
- Healthcare: https://pflowmoney.com/world/sector/healthcare
- EV & Clean Energy: https://pflowmoney.com/world/sector/ev
- Cybersecurity: https://pflowmoney.com/world/sector/cybersecurity
- Cloud Computing: https://pflowmoney.com/world/sector/cloud
- Fintech: https://pflowmoney.com/world/sector/fintech
- Defense & Aerospace: https://pflowmoney.com/world/sector/defense
- Space: https://pflowmoney.com/world/sector/space
- Energy: https://pflowmoney.com/world/sector/energy

### Dividend & Covered-Call Rankings
- US Dividend Aristocrats & Kings: https://pflowmoney.com/world/ranking/dividend
- Covered-call ETF rankings (incl. YieldMax lineup): https://pflowmoney.com/world/ranking/covered-call
- Korean dividend stocks: https://pflowmoney.com/ranking/dividend

### US Insider Trading (내부자 거래)
URL: https://pflowmoney.com/insider
SEC Form 4 filings — insider buy/sell activity for US-listed companies. Per-stock view at `/world/{CODE}/insider`.

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## ETFs

URL: https://pflowmoney.com/etf
Directory of Korean and US ETFs with expense ratios, NAV, period returns, and top holdings.
- Domestic (Korean) ETFs: https://pflowmoney.com/etf/domestic
- World (US/global) ETFs: https://pflowmoney.com/etf/world
- TIGER lineup: https://pflowmoney.com/etf/tiger
- Individual ETF detail: `/etf/{ticker}`

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## Cryptocurrency

### Upbit KRW Market
PFlow covers 100+ coins traded on Upbit's KRW (Korean Won) market. Upbit is the largest cryptocurrency exchange in South Korea by trading volume. Individual coin pages at `/crypto/KRW-{symbol}` (e.g., `/crypto/KRW-BTC`), with AI analysis at `/crypto/KRW-{symbol}/analysis`.

### Kimchi Premium (김치프리미엄)
URL: https://pflowmoney.com/crypto/premium
The "kimchi premium" is the price gap between Korean exchanges (Upbit) and international exchanges (Binance) for the same cryptocurrency. A positive premium means crypto trades higher in Korea, reflecting local demand, capital-flow restrictions, and regulatory differences. PFlow calculates real-time premiums for all traded pairs.

### DeFi TVL Ranking
URL: https://pflowmoney.com/crypto/defi
Real-time DeFi protocol TVL (Total Value Locked) rankings powered by DefiLlama. Top protocols with category filtering (DEX, Lending, Bridge, Yield, CDP, Liquid Staking) and chain-level TVL comparison.

### Global Market Cap Ranking
URL: https://pflowmoney.com/crypto/global
Top 100 cryptocurrencies by market capitalization (CoinGecko data), with global summary (total market cap, BTC dominance, 24h volume) and trending coins.

### Bitcoin Whale Tracker
URL: https://pflowmoney.com/crypto/whale
Real-time tracking of large Bitcoin on-chain transactions (100+ BTC), monitoring unconfirmed mempool activity to detect whale movements.

### Crypto Heatmap
URL: https://pflowmoney.com/crypto/heatmap
Market-wide performance grid colored by price change.

### Crypto Categories
- Layer 1 (BTC, ETH, SOL, ADA, AVAX): https://pflowmoney.com/crypto/category/layer1
- Layer 2 (MATIC, ARB, OP): https://pflowmoney.com/crypto/category/layer2
- DeFi (UNI, AAVE, COMP): https://pflowmoney.com/crypto/category/defi
- AI tokens: https://pflowmoney.com/crypto/category/ai
- Meme coins (DOGE, SHIB): https://pflowmoney.com/crypto/category/meme
- GameFi: https://pflowmoney.com/crypto/category/gamefi
- Payment: https://pflowmoney.com/crypto/category/payment
- Storage: https://pflowmoney.com/crypto/category/storage

### BTC Dominance
BTC dominance measures Bitcoin's market cap as a share of total crypto market cap. High dominance (>55%) suggests Bitcoin strength; declining dominance often indicates "altcoin season."

### Fear & Greed Index
URL: https://pflowmoney.com/fear-greed
A 0 (extreme fear) to 100 (extreme greed) gauge aggregating volatility, market momentum, social signals, and Bitcoin dominance. Also shown on the homepage.

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## Investment Themes (관련주 테마)

URL: https://pflowmoney.com/theme
PFlow organizes Korean and US stocks into hundreds of investment-theme pages, each listing the related stocks and rationale. Detail pages at `/theme/{slug}`. Themes are grouped into categories:

### Issue Themes
- Trump-policy beneficiaries (defense, LNG, steel, nuclear)
- Interest-rate-cut beneficiaries (REITs, financials, growth)
- NVIDIA supply chain (HBM, packaging, materials)
- Tesla supply chain (battery, materials, components)
- Humanoid robots, AI power infrastructure, HBM
- GLP-1 obesity drugs, K-Beauty, K-Food
- AI data centers, glass substrates, anti-drone
- Immersion cooling, SMR nuclear, K-defense exports

### Technology Themes
- AI, Semiconductor, Battery, Bio, Robot
- Nuclear, EV, Cloud, Space, Quantum computing
- Shipbuilding, Cybersecurity, Autonomous driving
- Solid-state battery, ADC drugs, Offshore wind
- Battery recycling, On-device AI, Green hydrogen, Alzheimer drugs

### Consumer & Policy Themes
- Beauty devices, Casino/travel, K-Webtoon
- Value-up program, Silver economy, GTX transport
- Low birth rate, Inheritance tax, New airports

### Sector Analysis (섹터)
URL: https://pflowmoney.com/sector
In-depth sector explainers and constituent breakdowns, e.g.:
- K-defense explained: https://pflowmoney.com/sector/k-defense-explained
- K-semiconductor supply chain: https://pflowmoney.com/sector/k-semiconductor-supply-chain

### Stock Comparison (비교)
URL: https://pflowmoney.com/compare
Side-by-side comparison of two stocks (`/compare/{slug}`) or of sectors (`/compare/sector`).

### Korea Discount Explainer
URL: https://pflowmoney.com/explainer/korea-discount
Explains why Korean equities historically trade at a valuation discount to global peers.

### Knowledge Graph (온톨로지)
URL: https://pflowmoney.com/graph
Visual map of relationships between stocks, themes, and sectors.

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## Chart Indicator Guides (보조지표 해석 가이드)

URL: https://pflowmoney.com/indicator
An experience-based guide to 380+ technical/chart indicators — RSI, MACD, Bollinger Bands, Ichimoku Cloud, volume profile, moving averages, and many more. Each entry covers how to read the indicator, common pitfalls, and recommended settings. Includes an [indicator recommender](https://pflowmoney.com/indicator/recommend) and category browsing at `/indicator/category/{cat}`. Individual guides at `/indicator/{slug}`.

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## Markets, Commodities & FX

### Global Market Indices (마켓)
URL: https://pflowmoney.com/markets
Live values for major global indices — S&P 500, NASDAQ, Nikkei, and others.

### Market Heatmap
URL: https://pflowmoney.com/heatmap
Broad market performance grid. Region-specific variants: `/world/heatmap`, `/crypto/heatmap`.

### Precious Metals & Commodities
- Gold price (금 시세): https://pflowmoney.com/gold
- Silver price (은 시세): https://pflowmoney.com/silver
- Commodities: https://pflowmoney.com/commodities

### Bond Yields (채권 금리)
URL: https://pflowmoney.com/bonds
US Treasury 10Y and other interest-rate benchmarks, live.

### Exchange Rates (환율)
URL: https://pflowmoney.com/exchange
Live USD/KRW and major currency pairs. (For conversions and scenarios, see the exchange-rate calculator below.)

### Portfolio Tracker
URL: https://pflowmoney.com/portfolio
Track a mixed portfolio of stocks and crypto with P&L calculation.

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## Investment Calculators (19 Tools)

Hub: https://pflowmoney.com/calculator. Each currency page for exchange rates is at `/calculator/exchange/{CODE}`.

### Stock Averaging Calculator (물타기)
URL: https://pflowmoney.com/calculator/stock-average
Calculate the new average cost when adding to an existing position — the Korean "물타기" (averaging-down) strategy.

### Stock P&L Calculator
URL: https://pflowmoney.com/calculator/stock-pnl (also `/calculator/return`)
Net profit after commissions and taxes on stock trades.

### Dividend Income Calculator
URL: https://pflowmoney.com/calculator/dividend
Estimate monthly and annual after-tax dividend income from share count and dividend per share.

### Recovery (Stop-Loss) Calculator
URL: https://pflowmoney.com/calculator/recovery
The gain percentage needed to recover from a given loss.

### Compound Interest Calculator
URL: https://pflowmoney.com/calculator/compound-interest (also `/calculator/compound`)
Project investment growth with regular contributions and compounding over time.

### Loan Repayment Calculator
URL: https://pflowmoney.com/calculator/loan
Monthly payments for equal-principal, equal-payment, and bullet repayment methods.

### Exchange Rate Calculator
URL: https://pflowmoney.com/calculator/exchange
Convert between 49 currencies with live rates.

### FOMO Calculator
URL: https://pflowmoney.com/calculator/fomo
"What if I had invested?" — hypothetical returns for past investment scenarios.

### Goal Savings Calculator
URL: https://pflowmoney.com/calculator/goal-savings
Required monthly savings to reach a target amount by a target date.

### ETF Fee Comparison Calculator
URL: https://pflowmoney.com/calculator/etf-fee
How different expense ratios affect long-term returns side by side.

### ISA & Pension Tax Savings Calculator
URL: https://pflowmoney.com/calculator/tax-savings
Simulate tax deductions and tax-free benefits from ISA, pension savings, and IRP accounts.

### Tax Calculators
- Domestic stock capital gains: https://pflowmoney.com/calculator/domestic-tax
- Overseas stock capital gains: https://pflowmoney.com/calculator/overseas-tax
- Crypto capital gains: https://pflowmoney.com/calculator/crypto-tax

### Health Insurance Premium Calculator
URL: https://pflowmoney.com/calculator/insurance
Estimate Korean indemnity health-insurance premiums by age, gender, and plan generation.

### Severance Pay Calculator
URL: https://pflowmoney.com/calculator/severance
Korean severance pay with tax deductions based on service period, salary, and allowances.

### National Pension (NPS) Calculator
URL: https://pflowmoney.com/calculator/pension
Estimated Korean National Pension benefits from income, contribution period, and salary growth — monthly estimate, total contributions, return ratio, and start age.

### FIRE Retirement Calculator
URL: https://pflowmoney.com/calculator/fire
Your FIRE (Financial Independence, Retire Early) number using the 4% rule, with inflation-adjusted projections, safe withdrawal rates (3%–4.5%), and year-by-year growth through accumulation and withdrawal.

### Real Estate Capital Gains Tax Calculator
URL: https://pflowmoney.com/calculator/property-tax
Korean real-estate capital gains tax (양도소득세): 1-house exemption (12억 threshold), long-term holding deduction (up to 80%), multi-house surtax, regulated-area rules, and progressive rates (6%–45%).

### Monthly Dividend Planner (월배당)
URL: https://pflowmoney.com/monthly-dividend
Build a 12-month dividend-income schedule from selected dividend stocks/ETFs.

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## AI Financial News

URL: https://pflowmoney.com/news
RSS: https://pflowmoney.com/news/rss.xml

Daily AI-analyzed financial news across categories:
- Crypto market news
- Korean stock market news
- World/US stock market news
- Macro economic news
- Forex/currency news

News is processed through a local LLM (gemma3 via Ollama) for analysis and summarization.

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## Calendars & Additional Features

### Economic Calendar
URL: https://pflowmoney.com/calendar
US and Korean economic-indicator release schedules (GDP, CPI, employment, etc.).

### Earnings Calendar
URL: https://pflowmoney.com/calendar/earnings
Upcoming corporate earnings dates.

### Dividend Calendar
URL: https://pflowmoney.com/calendar/dividend (and category hub https://pflowmoney.com/dividend)
Ex-dividend dates, record dates, and dividend rankings for Korean stocks.

### IPO Calendar
URL: https://pflowmoney.com/ipo
Upcoming and recent IPO schedules.

### Investment Guides
URL: https://pflowmoney.com/guide
Educational content: stock basics, [beginner guide](https://pflowmoney.com/guide/beginner), ETF and dividend guides, investment psychology, glossary (`/guide/terms`), plus Korea-specific tax and FX guides:
- US-stock tax for Koreans: /guide/us-stock-tax-korea
- Korea–US tax treaty on dividends: /guide/korea-us-tax-treaty-dividends
- Buying Korean stocks from the US: /guide/buy-korean-stock-from-us
- KRW hedging strategies: /guide/krw-hedging-strategies
- Theme vs. related stocks: /guide/theme-vs-related-stocks
- Global asset managers: /guide/global-asset-managers

### Newsletter
URL: https://pflowmoney.com/newsletter
Weekly financial briefing subscription via email.

### Community
URL: https://pflowmoney.com/community
Naver Cafe community: https://cafe.naver.com/pflowhub

### Mobile App
An Android app (Capacitor shell over the live site) is available; the website is fully responsive for mobile browsers.

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## Technical Details

### Data Sources
- Korean stocks: Naver Finance API (real-time)
- US/global stocks: Yahoo Finance API (yahoo-finance2)
- Cryptocurrency: Upbit Public REST API
- Disclosures: DART (Financial Supervisory Service)
- Crypto rankings: DefiLlama (DeFi TVL), CoinGecko (market cap)
- Exchange rates: Naver Finance (USD/KRW live)
- AI analysis & news: local LLM (gemma3 via Ollama)

### Availability
- Website: Free, no registration required for market data
- Updates: stock and crypto prices refresh in real time during market hours; news is published daily; disclosures, movers, calendars, and dividend data update as new information arrives
- Internationalization: every path is available in Korean (default) and English (`/en` prefix)

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## Frequently Asked Questions

Q: What is PFlow?
A: A free Korean financial data platform providing real-time stock, ETF and crypto prices, DART disclosures, AI technical analysis, chart-indicator guides, and investment calculators for Korean and international investors.

Q: What Korean stocks does PFlow cover?
A: All 1,900+ stocks listed on KOSPI and KOSDAQ, including Samsung Electronics, SK Hynix, Hyundai Motor, and LG Energy Solution, plus rankings, disclosures, and daily mover summaries.

Q: What US stocks does PFlow track?
A: 480+ US and international stocks on NASDAQ and NYSE, including NVDA, AAPL, MSFT, TSLA, AMZN, GOOGL, META, AMD, and major ETFs like SPY, QQQ, VOO — with insider-trading (SEC Form 4) and dividend data.

Q: What is the kimchi premium?
A: The price gap between Korean crypto exchanges (Upbit) and international exchanges (Binance). PFlow tracks it in real time at /crypto/premium.

Q: Does PFlow have chart-indicator education?
A: Yes. The indicator guide at /indicator explains 380+ technical indicators (RSI, MACD, Bollinger Bands, Ichimoku, and more) with how-to-read notes, pitfalls, and settings.

Q: Does PFlow provide investment advice?
A: No. All information is for reference only and does not constitute investment advice or a recommendation to buy or sell any asset. Past performance does not guarantee future results. Investment decisions and their outcomes are the sole responsibility of the user.

Q: Is PFlow free?
A: Yes. All features — real-time data, AI analysis, calculators, disclosures, and news — are free to use without registration.

Q: What languages does PFlow support?
A: Korean (primary, at pflowmoney.com) and English (at pflowmoney.com/en). Every path is mirrored under /en.

Q: How often is data updated?
A: Stock and crypto prices update in real time during market hours. News is published daily. Movers publish right after market close. Economic-calendar, disclosure, and dividend data update as new information becomes available.