In February 2015, Toss introduced the first simple transfer service that did not require an accredited certificate, revolutionizing how people send money in South Korea. What started as a solution to eliminate the cumbersome authentication process for money transfers quickly evolved into something much larger - a vision to make finance simple and accessible for everyone. The founders recognized that financial services in Korea were complicated, filled with jargon, and required multiple steps for even basic transactions. They set out to change this by creating an intuitive, mobile-first platform that would put users in control of their financial lives.
Today, Toss has grown into Korea's leading financial super app, used by more than one in two Koreans. The platform offers over 100 services within a single app - from online and offline payments to shopping and everyday lifestyle services. Users can manage bank accounts, cards, insurance, and securities all in one unified dashboard. The platform provides lifetime free money transfers, personalized loan recommendations, credit score management, investment services through Toss Securities, insurance consultations, and even tax payment and document issuance. With registered users including 94% of people in their 20s, 85% in their 30s, and 74% in their 40s, Toss has fundamentally transformed how millions of Koreans interact with financial services, turning what was once complicated into something remarkably simple.