What does it take to grow beyond a unicorn?

1

A SINGLE SUPER APP

All of Toss’ services come together in a single app. Transfers, asset management, loans, investments, insurance, and tax filing—financial services that were once scattered are now seamlessly connected in one place. This allows users to solve everyday inconveniences without the hassle of installing or signing up for multiple apps.

30M+

KOREA’S #1 FINANCIAL PLATFORM

In 2025, Toss surpassed 30 million total users, becoming a platform used by 6 out of 10 Koreans.

3.2M+

THE VERY FIRST STEP IN FINANCE

In 2022, Toss launched Toss Teens, the first service in the industry designed for children and teenagers aged 7 to 18. Its flagship offering, the USS Card^*, is a prepaid top-up card issued in the child’s own name. By using and managing their own card, young users begin building independent financial habits from an early age. Since its launch, more than 3.2 million USS Cards have been issued, creating a foundation for the next generation to actively learn and experience finance as true participants. * From age 7 to 13, the consent of a legal guardian is required. ** Based on May 2025

A PLATFORM FOR EVERYONE

The age distribution of Toss users highlights its broad appeal. Today, Toss has become a platform embraced across all generations.

90%+

MAKING EVERY VISIT STICK

Nine out of ten people who use Toss once return the following month. In data terms, this is known as the retention rate, and Toss maintains a monthly retention of 90%. This shows that users aren’t just signing up once, they continue to use Toss as part of their daily lives. * Based on Sep 2025, Wiseapp.

11 times

PART OF EVERY DAY

Users open Toss for an average of 11 times every day. From transfers, investments to shopping, Toss is there at every step in the user’s daily life. * Based on Sep 2025, Wiseapp.

100+

BEYOND FINANCE, INTO EVERYDAY LIFE

Today, Toss operates over 100 services within a single app—from online and offline payments to shopping and everyday lifestyle services—establishing itself as an essential app for convenient daily life.

24,000 years

TIME-SAVING INNOVATION

Before Toss introduced simple transfers, sending money with an accredited certificate took an average of three minutes. With Toss, it takes only 30 seconds. That means each transfer saves about 150 seconds. Across roughly 5 billion transfers made through Toss so far, that time adds up to the equivalent of 24,000 years saved. * Based on Sep 2025

CONTINUOUS GROWTH

Toss’s operating revenue grew from ₩20,500,000,000 in 2017 to ₩1,955,600,000,000 in 2024. That same year, Toss achieved annual profitability for the first time, demonstrating both its ability to generate profit and sustain growth.

Writer Donghae Yoon