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

Provides financial life tips in article form on loans, savings, investments, and more
Features easy-to-understand financial information for everyday life
Total subscribers surpass 7.9 million, especially popular among those in their 20s

Viva Republica, the operator of the financial super app "Toss," announced that the total views for its “Today’s Tip” service has surpassed 800 million views. “Today’s Tip” is a free content service run by Toss that users can subscribe to, aimed at providing easy-to-understand financial knowledge.

The service launched in September 2020 and provides article-format content on topics such as loans, savings, investments, daily life, real estate, and more. It features simple explanations of financial information frequently asked about in daily life. As a result, it has reached 800 million views in just four years and five months.
Some of the most popular articles last year include “How much do you need to quit your job right now? 1B vs. 10B,” “When did people start giving New Year's money?”, and “What’s the best way to split the bill?”. The article with the highest total views received 4.82 million views.
Today’s Tip provides quizzes, horoscopes, and card news every morning, which has contributed to the service’s popularity by increasing accessibility to articles. For example, users can take a quiz like “Do you have to pay income tax on money earned abroad?” which then leads them to the article “Do you have to pay income taxes on overseas income?” once they answer.
The total number of subscribers who receive Today’s Tip regularly has surpassed 7.9 million. Subscribers are spread evenly across age groups: 1.23 million teenagers (15.6%), 1.65 million in their 20s (20.9%), 1.27 million in their 30s (16.1%), 1.51 million in their 40s (19.1%), and 1.49 million in their 50s (18.9%). Subscribers aged 60 and above reached 740,000, showing a broad subscription base across all age groups.
“Under Toss’ mission to create a simple and practical financial environment, we provide content that users can easily understand and apply in their daily lives,” a Toss representative said. “We will continue to offer timely and diverse topics that resonate with all age groups.”


Provides financial life tips in article form on loans, savings, investments, and more
Features easy-to-understand financial information for everyday life
Total subscribers surpass 

Features easy-to-understand financial information for everyday life

Toss' Today's Tip Surpasses 800M Total Views

Users can register their face in advance and make payments using facial recognition at convenience stores
Launching in select stores in March, with plans to expand availability
Equipped with anti-spoofing technology and a 24/7 FDS system

Viva Republica, the operator of the financial super app "Toss," announced the launch of “Facepay.” Toss Facepay is a service that allows users to make payments using facial recognition technology after registering their face and a payment method in advance.

Starting in March, Facepay will be available for use at select CU and GS25 locations. It will also be available at 7-Eleven stores in the second quarter of 2025. The system works by scanning a user’s face with a special device installed at checkout counters.
Toss Facepay is characterized by its high accuracy and speed. With 99.99% accuracy, it is able to verify faces in just a second. Users only need to register their face once in the Toss app, after which they can make payments using their preferred method—credit card, debit card, or bank account.
The service also features enhanced security measures. All Facepay data is encrypted and securely managed on a separate server. The liveness detection technology screens for fake faces such as images or videos during the facial recognition process. The Fraud Detection System (FDS) also runs 24/7 to detect and immediately respond to fraudulent transactions.
Toss Facepay will start with convenience stores, with plans to expand to other partnered merchants such as movie theaters and cafés.
“With its fast and secure authentication technology, Facepay will provide users with an innovative payment experience,” a Toss representative said. “We aim to make facial recognition payments a norm by continuously expanding the number of merchants accepting Facepay.”
Meanwhile, ahead of the official launch, Toss, CU, and GS25 have begun internal testing at select stores as of today, February 12. Toss is conducting preliminary testing of facial authentication for office access and in-house cafés to ensure stable service operation.


Users can register their face in advance and make payments using facial recognition at convenience stores
Launching in select stores in March, with plans to expand availability
Equ

Launching in select stores in March, with plans to expand availability

Toss Launches Facepay, Pay with Your Face at Convenience Stores

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

First unsecured loan product launched following a strategic partnership in November for young professionals

Toss and BNK Kyongnam Launch “Rookie Unsecured Loan”

Toss unveils a data report and campaign film highlighting a decade of innovation and transformation
Offline event “Square of Toss” to be held in Seongsu-dong from February 26 to March 2

Viva Republica (“Toss”), the operator of the financial super app "Toss," announced the launch of the “10 to 100: Toss 10-Year Anniversary, A New Beginning” campaign (10 to 100 Campaign).

The 10 to 100 Campaign celebrates a decade of transformation and innovation while setting a vision for the next century. The campaign’s slogan, “Toss-10 Year Anniversary, A New Beginning,” reflects the company’s vision of its 10th anniversary serving as the starting point for the next 100 years.
Running until March 2, the campaign features a variety of programs available both online and offline. The first program is the “Toss Data Report,” available on the official campaign website, which presents the evolution of finance through data-driven insights. The report is divided into two sections.
The first report, “Monthly Finances,” analyzes financial trends based on users’ monthly activities. For example, the March edition highlights teen financial activities in line with back-to-school month, while the May edition focuses on family-related financial behaviors in line with Family Month in Korea. This report provides a closer look at how Toss services have become part of users’ daily lives.
The second report, “Toss in Numbers,” examines how Toss has saved users time and money over the past decade. It highlights key figures, such as the time saved through Toss’ simple transfers and the total amount protected by Toss’ Compensation Program. Composed of 10 major themes, the report illustrates how Toss has transformed and improved the financial experience.
On February 10, Toss will release a campaign film on its official website and YouTube channel, depicting how Toss has changed finance over the past 10 years since it launched the simple transfer service. The film follows a protagonist who time-travels from 2015 to 2025, experiencing how Toss has evolved into a financial super app, where all financial activities are integrated into a single platform.
Building on the experience of the past 10 years, we are committed to creating a better future for our users,” said Seunggun Lee, CEO of Toss. “With an innovative mindset focused on the next 100 years, we aim to blur the boundaries between finance and everyday life, driving new waves of change.”
As part of the celebration, Toss will host a special 10-year anniversary event, “Square of Toss,” from February 26 to March 2 at AndersonC in Seongsu-dong. This space will feature an exhibition where users can interact with Toss’ data report firsthand. Additional highlights include a pop-up of Toss’ in-house coffee shop, the “Coffee Silo”, a curated “Library” featuring 100 books for new beginnings, and a “Gift Shop” selling exclusive 10th-anniversary merchandise. The event will also include financial education sessions by Toss CX and free talks by industry thought leaders.
More details on the 10 to 100 Campaign are available on the official campaign website and Toss’ social media channels.


Toss unveils a data report and campaign film highlighting a decade of innovation and transformation
Offline event “Square of Toss” to be held in Seongsu-dong from February 26 to Ma

# press release

Toss Holds Press Conference for 10th Anniversary of App Launch

Toss' Today's Tip Surpasses 800M Total Views

Toss Launches Facepay, Pay with Your Face at Convenience Stores

Toss and BNK Kyongnam Launch “Rookie Unsecured Loan”

Toss unveils 10th anniversary campaign