Reducing paper usage by digitizing various certificates, bills, and notices
800 tons of paper saved annually, cutting carbon emissions and water consumption associated with paper production

Viva Republica, the operator of the financial super app “Toss,” announced that it saved the equivalent of 160 million paper documents in 2023 alone by digitizing documents. If each document is at least a page (standard A4 size), this means that each document is at least 5g, equating to at least 800 tons of saved paper.

Since most documents are issued non-face-to-face, Toss has replaced everyday paper documents with electronic versions in the app. This allows users to reduce paper usage and support environmental sustainability.
This effort to reduce paper not only helps preserve trees but also lowers carbon emissions and water consumption. One 30-year-old tree produces around 10,000 sheets of A4 size paper, which means that Toss saved 16,000 trees last year alone. It is estimated that 460 tons of carbon emissions (2.88 grams per sheet) and 1.6 billion liters of water (10 liters per sheet) were conserved in total.
One of the key services contributing to paper reduction is mobile billing. Recurring bills, when received via postal mail, contribute significantly to paper waste. Toss currently provides mobile billing services for credit cards, utility bills, local taxes (resident and car), Seoul city water bills, and more on the app, helping users save paper.
Since March 2021, Toss has also integrated Goodpy (the national assistant service), which enables users to receive administrative notices such as fines and penalties directly from the app. In June of the same year, Toss obtained certification as an Authorized Electronic Document Intermediary. With this certification, users can view, store, and submit official documents —such as Resident Registration Certificates (including draft versions), Certificate of Eligibility for National Health Insurance, and Certification of Income Amount—without printing them out.
“Toss' financial innovation extends beyond social and economic value, making a significant environmental impact as well," a Toss representative said. "We will continue working towards financial services that enhance both user experience and sustainability.”


Reducing paper usage by digitizing various certificates, bills, and notices
800 tons of paper saved annually, cutting carbon emissions and water consumption associated with paper p

# Digitization

Toss Saves 160mn Paper Documents Through Digitization