Viva Republica, the operator of the financial super app "Toss," held the "Toss 10 Year Anniversary, A New Beginning" press conference on the morning of the 26th at Anderson C in Seongsu-dong, Seongdong-gu, Seoul, to mark the 10th anniversary of its app launch. The event highlighted the company's achievements over the past decade and shared its vision and direction for the future.

“The past 10 years of Toss have been a journey of inventing innovation, spreading it, and accelerating the transformation of the entire industry,” Toss CEO Seunggun Lee said. “The innovations created by Toss have not only driven our own growth but have also encouraged other industry players to join in, reshaping the market landscape.”

Toss took its first step toward innovation in 2015 by launching a money transfer service that did not require an accredited certificate. This feature soon became the industry standard. Toss also revolutionized the user experience with patented ₩1 authentication, a simplified sign-up process, and other improvements. Notably, it was the first in South Korea to introduce free credit score inquiries. As of February 2025, Toss has more than 28 million users, continuously delivering innovative solutions tailored to customer needs.

At the press conference, Toss outlined its future business plans under three key themes: "Beyond Finance into Everyday Life," "Beyond Online into Offline," and "Beyond Korea into the Global World."
Beyond Finance into Everyday Life
Toss aims to evolve beyond a financial super app into an “everyday super app.” To achieve this, the company has chosen "openness" as its core strategy. Instead of solely providing proprietary services, Toss plans to integrate offerings from partners and startups into its platform. Additionally, the company will share its user experience innovation system and market expertise—accumulated over the past decade—with businesses that need them. Furthermore, Toss announced a ₩1 trillion startup support initiative over the next five years. Through active investments and marketing support for promising startups, Toss aims to foster the startup ecosystem.
Beyond Online into Offline
Toss is also accelerating offline payment innovation. Toss expects Facepay, which recently entered the offline payment market through partnerships with South Korea’s three major convenience store chains, to accelerate the arrival of a wallet-free payment era. One key driver of this shift is the rapid adoption of Toss Place payment terminals, which have surpassed 100,000 merchant locations as of February 2025. To further expand into the offline space, Toss announced investments in security system development, international standards and data protection certifications, and enhanced customer protection and compensation policies.
Beyond Korea into the Global World
Toss also outlined its global expansion vision, aiming to rapidly scale its financial super app innovation—a model rarely seen worldwide. The company’s goal is to transform Toss into a global service, with half of its users being international within the next five years. Toss CEO Seunggun Lee expressed his ambition, stating, “Toss will become the financial super app for people around the world.”
Meanwhile, the press conference was held at "Square of Toss," a dedicated space created to celebrate Toss’s 10-year anniversary. The venue will be open for five days until March 2, featuring an exhibition, "The Journey of 10," where visitors can explore and experience Toss’s impact over the past decade. The space also includes the "Financial Planning Lounge," where visitors can assess their financial habits and receive personalized financial insights; a "Library" featuring a curated selection of 100 books to inspire new beginnings; a "Gift Shop" offering 10th-anniversary merchandise; and a café, recreating Toss’ in-house Coffee Silo experience. From February 28 to March 2, a series of talk sessions will be held, featuring various speakers who will share insights to help people plan changes in their financial lives and overall lifestyle.


Viva Republica, the operator of the financial super app "Toss," held the "Toss 10 Year Anniversary, A New Beginning" press conference on the morning of the 26th at Anderson C in Se

Toss, Evolving into a Global Everyday Super App

Toss Holds Press Conference for 10th Anniversary of App Launch

First unsecured loan product launched following a strategic partnership in November for young professionals
Available for employees with 1 to 12 months of work experience, offering up to ₩45 million in loans

Viva Republica, the operator of the financial super app "Toss," announced that it has launched the “Rookie Unsecured Loan” product in collaboration with BNK Kyongnam Bank targeted to young professionals.

Toss and BNK Kyongnam Bank signed a business agreement in November to introduce credit loan products for early-career individuals. After approximately 3 months of collaboration, the two companies launched the loan product.
The “Rookie Unsecured Loan” is an exclusive product available only through Toss. It is designed for salaried workers and civil servants with work experience between 1 and 12 months. Eligible applicants must be between 18 and 59, with an annual salary of ₩25 million and under. Users can borrow up to ₩45 million. The product lowers eligibility barriers by easing work experience and income requirements, making it accessible to those who have recently entered the workforce.
This loan also accommodates thin-filers by utilizing Toss Score, an alternative credit assessment model developed by Toss. Toss Score enables precise risk evaluation by analyzing factors such as consumers’ assets and financial habits, even for individuals with limited financial history. Additionally, applicants can easily apply entirely online for the loan through the Toss app without installing a separate app or signing up for a separate account, maximizing convenience for customers.
To apply for the “Rookie Unsecured Loan,” users can navigate to the Toss app > Get Loan > Check your unsecured loan limit.
“With our experience and expertise in developing credit loan products for thin-filers through partnerships with various financial institutions, we are pleased to introduce the “Rookie Unsecured Loan” in collaboration with BNK Kyongnam Bank,” a Toss representative said. “We hope this product provides meaningful financial support to early-career professionals, helping them gain financial stability.”


First unsecured loan product launched following a strategic partnership in November for young professionals
Available for employees with 1 to 12 months of work experience, offering

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Toss Holds Press Conference for 10th Anniversary of App Launch

Toss and BNK Kyongnam Launch “Rookie Unsecured Loan”