Toss Unveils “Money 3.0” Blueprint Combining AI, Stablecoins, and Programmable Money

• Introduces “Money 3.0,” marking a shift from traditional and electronic money to programmable, AI-driven, and stablecoin-based financial infrastructure
• Positions Toss to leverage its massive user base and full-stack financial licenses to accelerate real-world adoption
• Signals a broader industry transition as blockchain and stablecoins evolve into core financial infrastructure, supported by emerging regulation and institutional trust frameworks

Toss has unveiled its vision for next-generation money, driven by programmable money and stablecoins.

The company presented this vision at the “2026 Blockchain Meetup Conference” in Seoul  under the theme “Money 3.0: The Next Era by Toss.” The annual conference, hosted by the Ministry of Science and ICT and the Korea Internet & Security Agency, brings together industry leaders to discuss digital trust, blockchain technology, and AI integration. This marked Toss’ first participation in the event, where it also unveiled its stablecoin strategy.

Chang-hoon Seo, Corporate Development Director at Toss, delivered the keynote, stating: “In 2015, Toss lowered barriers to finance by redesigning money transfer without digital certificates. Looking ahead, Toss will complete a ‘Borderless Financial Super App’ by redesigning money itself, eliminating the boundaries of geography, products, time, and participants.”

Seo outlined five defining characteristics of “Money 3.0”: Universal, Programmable, Verifiable, Composable, and Seamless, and highlighted Toss’ differentiated capabilities across each dimension.

He emphasized that “the biggest challenge facing any new monetary system is mass adoption—the so-called cold start problem,” adding, “Toss’ strength lies in its existing base of 30 million users, representing the majority of Korea’s economically active population.” He further noted, “Once Toss activates its Money 3.0 infrastructure, users can immediately participate from Day 1 without the need to create separate wallets,” calling this Toss’ most powerful competitive advantage.

Seo also presented a vision for AI-powered programmable money: “Money itself will carry embedded logic, enabling it to think and move autonomously without constant human intervention.” He added that in the near future, every user will have an AI assistant through Toss. Built on stablecoin infrastructure, AI will automate not only payments, transfers, and foreign exchange, but also broader financial decision-making and execution—such as auto-buying at target prices, portfolio rebalancing, and loan repayment optimization.

He further explained that, rather than requiring users to design complex smart contracts, AI agents will structure transaction conditions while MyData provides contextual information. An AI-driven operating system that abstracts the complexity of programmable money will execute these processes autonomously. “As a company with licenses spanning banking, securities, and payments, Toss aims to position itself as a pioneer of the ‘Money 3.0 operating system’ by combining its large user base with advanced AI capabilities,” Seo said.

On institutional trust, Seo stressed that reserves backing Money 3.0 must be transparently verifiable on-chain and supported by a robust regulatory framework. He added, “As a full-stack fintech platform, Toss is uniquely positioned to combine the transparency of crypto with the stability of traditional financial institutions, securing trust on both fronts.”

In line with anticipated second-phase virtual asset legislation in Korea, Toss is strengthening its internal controls and risk management systems. With financial consumer protection as its top priority, the company aims to ensure both market integrity and investor confidence.

“This transformation is not merely an upgrade to payment methods, but a structural shift that redefines the fundamental workings of money,” Seo said. “Toss will replace the rails of traditional finance to build a truly borderless financial environment and enable transactions that were previously impossible.”

Toss has already completed a proof of concept (PoC) applying the core principles of Money 3.0 to real-world financial services. Earlier this month, the company finalized its “Digital Asset Co-Prosperity Loan Project for Small Businesses.” The PoC integrates Toss’ proprietary small business credit evaluation model, “SohoScore,” with blockchain-based smart contracts. Under this model, if a borrower’s credit score improves after taking out a loan backed by digital assets, the interest rate is automatically reduced—without requiring a formal request to reduce rate. This demonstrates that programmable money, designed to think and act autonomously, can be effectively applied to real financial products.

“This PoC is particularly meaningful as it was fully designed and implemented in-house using Toss’ proprietary blockchain capabilities without external support,” said a Toss representative. “By enabling credit score changes, loan execution, and interest rate adjustments to operate seamlessly within a single smart contract, we have validated the potential to expand into a wide range of conditional financial products.”