Achieved in 3 years and 9 months since its launch, becoming a “staple financial service” for teens
More than 3.2 million USS Cards issued, becoming the first card teens get in their name

Viva Republica, the operator of the financial super app “Toss,” announced that the app has surpassed 3 million 'Teen' users. This milestone comes just 3 years and 9 months after the service launched in July 2021. With 85% of middle and high school students choosing Toss as their primary financial services app, the platform has firmly established its position in the sector.

Toss Teens is a dedicated service available to users aged 7 to 18, designed to address financial inconveniences uniquely experienced by teenagers in areas such as money transfers, payments, transportation, and shopping. As the service highlights its potential to help children develop healthy financial habits, it has been receiving positive feedback from parents.
The USS Card is a prepaid top-up card exclusive for children and teens, and is one of the key Teens services that helps teens foster independent financial habits. The Youth Card has gained recognition as a teenager’s very first personal card—‘My Card’—in their own name, rather than a parent’s card often referred to as a ‘mom’s card.’ Over 3.2 million USS Cards have been issued since its launch in December of 2021. By using and managing their own card, children learn to manage their finances—prompting today’s parents, who are increasingly interested in early financial education, to actively encourage their children to use their own card.
Teens services such as the ‘Money Study Café’ and ‘Mock Investment’ are also well recognized among parents. The Money Study Café, which provides financial education content specifically for teenagers, has enhanced the credibility and expertise of its content through a partnership with the Financial Supervisory Service’s ‘e-Finance Education Center’ since January of last year. The Mock Investment service allows teens to experience investing in domestic and international stocks using virtual money while tracking real-time prices. To date, the service has attracted approximately 760,000 cumulative users.
Traditional tools long used to help children build smart spending habits—like piggy banks and allowance diary—have been reimagined in Toss Teens. The Piggy Bank service, used by an average of 630,000 users per month, allows kids to set their own savings goals and work toward them. They can also set shared goals with their parents, such as saving for a trip or a gift, creating new opportunities for connection. Toss Teens also offers access to important school-related information, such as lunch menus and class schedules.
Toss Teens has implemented a range of youth protection systems to ensure that teenagers can begin their financial journey in a safe environment. The sign-up process for minors has been reinforced with a three-step verification system, and a Fraud Detection System (FDS) is in place to safeguard their personal information from financial scams. The USS Card blocks transactions in restricted business categories for minors and disables overseas payments entirely. Additionally, if a user attempts to transfer money to an account with a history of fraud or reports, a warning alert is displayed.
“We feel a deep sense of pride and responsibility knowing that 3 million Korean teenagers are beginning their financial journey through Toss Teens,” a Toss representative said. “We will continue to provide high-quality content to help them lead independent financial lives even in a more complex financial environment they will face as adults.”


Achieved in 3 years and 9 months since its launch, becoming a “staple financial service” for teens
More than 3.2 million USS Cards issued, becoming the first card teens get in thei

# USS Card

Toss Surpasses 3 Million Teen Users