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At Toss, we have a unique system called DRI (Directly Responsible Individual). A DRI is the person who takes full ownership of a task or project from decision-making to execution. By looking at how the DRI system works, you can see how Toss’ culture of “autonomy and account ability” plays out in practice.
In most workplaces, decision-makers and executors are separate: managers or executives decide, and team members carry things out. At Toss, however, the person with the most expertise in a given area becomes the DRI, responsible for both the decision and the execution. Even if a leader disagrees, the DRI can still move forward with what they believe is necessary for the company. This reflects the trust that the person with the deepest insight into the situation is best positioned to make the fastest and most accurate judgment.
The DRI mechanism at Toss works as follows.
1. The DRI drafts an initial proposal to address a problem.
2. They then gather feedback from team members. Regardless of seniority or title, anyone can contribute ideas, and discussions are carried out based on rational perspectives.
3. Through open sharing and active listening, the DRI makes the final decision and takes responsibility for execution.

Q. How is DRI decided?
Depending on the team structure, the leader or head decides who will serve as the DRI. At Toss, one of the leader’s most important responsibilities is determining who will be the DRI for each task. This ensures that every project is assigned to the person best suited for it. Those who excel are given broader authority, while those who require more development are entrusted with responsibilities aligned with their experience level.
DRI is a mechanism designed to realize meritocracy. Even new hires can take ownership if they have the capability, and existing owners should step back when someone more suitable comes along. What truly matters is who can do the job best. Using DRI as a means to protect one’s own territory goes against the very purpose of the system.
Q. Once a DRI is assigned, can others still share their ideas?
We actually encourage active involvement. This doesn’t mean interfering recklessly in someone else’s work, but rather exchanging opinions to achieve better outcomes. While the final decision rests with the DRI, anyone is free to voice their thoughts throughout the process.
Having the final say doesn’t mean making arbitrary judgments. It means making the best possible decision based on the widest range of information and perspectives. That’s why “active listening” is one of the most essential skills for any DRI. And once a DRI has made a decision after sufficient listening, even those who disagree should follow it. Team members are expected not only to support the DRI’s choice, but also to help make that choice the right one.
Q. If the DRI doesn’t perform well, what should be done and who is responsible?
No one is perfect, and whenever someone takes on the role of DRI, there’s always a risk of failure. But without taking risks, there can be no growth. What matters is taking on challenges within a scope the company can absorb. If a situation becomes unmanageable, then it’s up to the leader to act quickly and assign the DRI to someone else.
At Toss, the biggest way we take responsibility for failure is by sharing it openly with the team. Not to be criticized, but to share it openly, exchange feedback, and learn from the experience. By doing so, people build better judgment and grow, and that’s the kind of growth Toss values most.
Q. Can I really go against a leader if I’m the DRI?
Yes. Even Seunggun, Toss leader, often says, “I don’t agree with you. But if you feel strongly about it, go ahead and try.” And when that decision proves successful, he openly admits, “I apologize, I was wrong.” Everyone at Toss understands that these kinds of debates and experiments are part of the process of finding the best answer.
At Toss, leaders aren’t above team members, they just play different roles. A leader doesn’t own the team or command its members. Instead, their role is to support the team so that each member can effectively achieve their goals.
Q. Once my DRI is assigned, how do I expand my scope?
As the DRI, your scope has no set limits, but how far it grows depends on the trust you build with leaders and colleagues. While each role comes with basic responsibilities, the actual scope of work can grow in proportion to the trust a person has built.
We encourage members to seek out opportunities to earn that trust. For example, if meetings drag on without answers because there is no clear DRI, and you believe you can create meaningful impact, you can build consensus and make that responsibility your own. This kind of proactive role expansion is seen at Toss as a true marker of growth and capability.
Q. What are the prerequisites for this culture of autonomy and accountability to work effectively?
For autonomy and accountability to translate into high performance at Toss, three conditions are required: capable team members and organizations, alignment on the mission, and a strong sense of personal integrity. Toss’ culture can thrive only when these conditions are met and reinforced in a virtuous cycle. This is why we place such importance on hiring top talent and fostering a culture of peer feedback.
In addition, Toss strives to guarantee equal access to information and resources. We believe information should never be monopolized as a source of power. With transparent sharing of company strategies, performance, and other work-related information, those who learn quickly and act proactively are naturally recognized, regardless of years of experience.

Writer Youra Shin, Toss DevRel Manager



At Toss, we have a unique system called DRI (Directly Responsible Individual). A DRI is the person who takes full ownership of a task or project from decision-making to execution.

Does making our own decisions help us work better?



A path not taken can feel daunting, even frightening. But the moment someone dares to take the first step, it becomes a path others are inspired to follow. Toss began with a simple idea: to make sending money effortless. That spark of innovation has since expanded across all aspects of financial life. Together with industries and society, Toss is paving new paths forward. Our everyday lives are changing—slowly, but surely.
Redefining Money Transfer
2015  Toss Simple Transfer
There was a time when using an accredited certificate was the only way to make internet and mobile transfers. Transfers would take about 3 minutes on average, from importing the certificate to entering the PIN and security card code. Then in 2015, Toss introduced simple money transfers, connecting multiple bank accounts and cutting through layers of authentication. And with that, people could send money in less than 30 seconds, without needless complications. This set a new standard: transferring money could be fast and simple.
Invented by Toss, Opened to All
2016  ₩1 Verification
The ₩1 verification method, now widely used to authenticate accounts in non-face-to-face financial transactions, verifies the account by asking the user to enter the depositor name of a ₩1 deposit made to their account. This simple yet safe ₩1 verification method was patented by Toss in 2016, but Toss chose not to monopolize it. Instead, it was made available for other companies to freely use.
Credit Management as a Universal Right
2017  Toss Free Credit Score Checks
Not long ago, credit score checks were inconvenient. Only select institutions offered such service, and in many cases, it came at a cost. In 2017, Toss changed that by becoming the first in the industry to provide free credit score checks. With that, anyone could check their credit score anytime, not just when applying for a loan or under special circumstances. In just two and a half years, more than 10 million people used Toss to check their credit scores. Credit score management became available to all, whenever they needed it, and what was once a privilege became a basic right.
Customer Experience from Start to End
2017  Toss CX 24/7 Customer Service
Toss Customer Service began in 2017 as the first 24/7 customer center in the financial industry. From the early days with just 100 users to now serving over 30 million, it has never paused, always ready to listen.* Toss CX, the affiliate that operates Customer Service, has built expertise and trust by handling inquiries across the entire Toss community. Its role continues to grow, now supporting outbound sales for new affiliates as well.
* Based on July 2025
Bringing the Bank to the Customer
2019  Toss Loan Comparison Service
In 2019, Toss launched the industry’s first loan comparison service. With only minimal input, users could compare loan products from over 70 financial institutions in about a minute, immediately seeing which offered the highest limits and lowest rates. This innovation was not only convenient, but it also impacted the entire market. Within three years, the average interest rate for unsecured loans dropped from 17% to 12%.* By fostering competition among lenders, more people gained access to loans under fairer conditions. Loan comparison was no longer limited to select bank branches. It became something everyone could do instantly from their phone.
* Based on preliminary screening data from savings banks for all users of the Toss Loan Comparison service.
From Security to Assurance
2020  Toss Compensation Program
Beyond building safe technology, Toss introduced the industry’s first Toss Compensation Program in 2020. This policy guarantees compensation for monetary damages, such as identity theft, voice phishing, and secondhand fraud, even when Toss isn’t at fault, as long as it happened through Toss. Any member could apply: secondhand fraud is covered up to ₩500,000, while financial fraud is covered up to ₩50 million, on the first claim. If the incident was reported to Toss and law enforcement within 15 days, users could receive compensation without waiting for the results of the investigation. Toss set a new standard for accountable financial services.
Ending the Era of Scammers
2020  Toss Fraud Siren Service
In 2020, Toss also launched the Fraud Siren service. During a transfer, it automatically checks whether the recipient’s account or contract number had previous fraud reports, such as voice phishing or marketplace scams. Using the police database of fraud causes, Toss immediately alerted users if the recipient was suspicious. A warning message would appear before the transfer is completed, helping users avoid potential loss. Unlike other services that required separate checks, Toss was the first to integrate automated fraud detection into every transfer process.
Insurance Made Crystal Clear
2020  Toss Insurance Coverage Analysis Report
Toss Insurance introduced the Coverage Analysis Report in 2020, the first service of its kind in Korea, helping customers clearly understand the policies they own. Through this free service, customers can evaluate whether they are over- or under-insured, and, if they choose, connect with a Toss Insurance expert for a complimentary consultation. The service focuses on helping policyholders understand their coverage and make informed decisions on their own, rather than simply recommending insurance products.
A World without Transfer Fees
2021  Toss Lifetime Free Transfers
After eliminating complexity, Toss eliminated fees as well. In 2021, Toss announced the industry’s first lifetime free transfer policy. Any Toss user could send unlimited transfers without conditions or fees, forever. While transfer fees had been a major source of revenue for banks and payment services, Toss set aside short-term profits to prioritize customer convenience. The reason was simple. Putting customers first is at the heart of Toss.
The New Standards of Mobile Investments
2021  Toss Securities MTS (Mobile Trading System)
Even in an age where everything could be done on a smartphone, stock investing remained inconvenient. The existing system was a PC-based HTS (Home Trading System) onto a smaller screen, leading to poor user experience. Toss Securities introduced the completely new MTS. Users could search stocks by brand or product name, access chart-based insights like “Top 100 by Purchases” or “Top 100 by Returns,” view simplified balance sheets tailored for mobile, and receive instant alerts on their watchlist. With an intuitive UI/UX, anyone can easily start investing. Within just three months of launch, Toss Securities exceeded 3.5 million accounts. Today, the Toss MTS is creating the new standard for mobile stock trading.
From Allowance to Financial Ownership
2021  Toss Teens
Toss expanded finance to include not just adults, but everyone. In 2022, Toss launched the industry’s first Toss Teens service, allowing anyone from 7 to 18 years old to experience finance independently. With teen-focused features such as the USS Card*, a rechargeable card issued under the teen’s own name; mock stock investment that lets users gain experience with virtual money; and savings goals set individually or together with parents, Toss Teens helps young users build responsible financial habits. Within 3 years and 9 months, Toss Teens surpassed 3 million users,** establishing itself as the new standard for teens’ first financial experience.
* From age 7 to 13, the consent of a legal guardian is required.
** Based on May 2025
Get Interest Now, Every Day
2022  Toss Bank Get Interest Now
Traditionally, banks paid out interest only once a month. In 2022, Toss Bank broke that convention by introducing the industry’s first Get Interest Now service. With this feature, customers receive interest the very next day after making a deposit, even if the money stays in the account for just one day. Daily interest accrual makes it convenient for those holding short-term funds or money not yet allocated to an investment. On top of that, interest is earned on yesterday’s interest on a compound basis. Through this, Toss Bank delivered a new kind of experience to its users—small but certain gains accumulating day by day.
Opening Doors to US Stocks
2022  Real-time Fractional Trading Service for  International Stocks
In 2022, Toss Securities launched its Real-time Fractional Trading Service for international stocks, which is the first of its kind in the industry. Fractional trading itself wasn’t new, but until then securities firms had bundled customer orders and executed them just once a day, in whole-share units. Because these trades weren’t carried out in real time, there was always a gap between when an order was placed and when it was executed, meaning customers often had to bear the risk of price fluctuations in volatile markets. Toss Securities removed this inconvenience by making fractional trading available instantly. Now, anyone can start investing with as little as ₩1,000, lowering the barrier to entry for investing in international stocks.
The World’s Currency at Your Hands
2024  Toss Lifetime Free Currency Exchange
In early 2024, Toss Bank introduced the nation’s first Lifetime Free Currency Exchange account. By eliminating exchange fees entirely and offering everyone the best possible exchange rate with no strings attached, the service made it easier than ever for customers to access and use foreign currencies. The inclusive benefit, extended equally to both existing and new customers, drew significant attention right from launch. Within just a few months, major banks began rolling out similar offerings in response. With Toss Bank, customers no longer need to visit a branch or go through cumbersome steps for currency exchange. Simply linking their existing Toss Bank debit card to the foreign currency account enables them to spend abroad, shop internationally, or even manage currency investments, all without fees.
The New Safety Net of Payments
2024  Toss Place Emergency Payment Mode
When a payment solution breaks down, chaos quickly follows, for both the store owner and the customers. To prevent these moments, Toss Place, which manufactures payment devices and provides payment solutions to businesses, introduced the industry’s first Emergency Payment Mode in 2024. With this feature, even if an unexpected error occurs with the POS system, store owners can instantly switch to emergency mode with a single tap and continue accepting card, cash, and simple payments without interruption. While Toss POS devices have yet to experience such failures, Toss Place developed the feature as a proactive safeguard. By doing so, Toss Place ensures that merchants and customers alike are protected from unexpected disruptions, supporting smooth operations and the success of businesses.
End-to-End Tax Assistance
2025  Toss Income Guaranteed Reimbursement  Program
Few things are as unsettling for customers as filing for a tax refund only to be notified that they must make an unexpected additional payment. To address this concern, Toss Income, a provider of tax filing and refund services, introduced the Reassurance Compensation Program in 2025. Under this program, if an additional payment arises after using Toss Income’s Hidden Refund Finder service, customers are compensated up to ₩1,000,000 per case. The initiative reflects Toss Income’s commitment to not only assist with refunds but also take responsibility for alleviating all lingering concerns of its customers.
Payment Integration in Minutes
2025  Toss Payments AI Integrated MCP Server
Setting up a payment system for a store or online shop used to take as long as three months. Even with Toss Payments, already known for faster integration, the process still required one to two weeks. In 2025, Toss Payments transformed this experience by introducing the industry’s first AI-integrated MCP (Model Context Protocol) server, cutting the process down to just ten minutes. With this innovation, merchants can simply request, “Connect the checkout page,” and the system automatically generates the necessary code. No separate development support is needed. Store owners can now bypass the delays of payment integration and immediately focus on running and growing their business.

Writer Jiyoung Lee

✽ Toss Bank Account Guide
- Eligible customers: An individual 14 and above, with verified real-name identification (Only one account may be opened per person)
- Interest rate: 1% annual (2026.02.05. current, pre-tax)
- Interest rates may change depending on the market conditions and circumstances of the company. If changed, the revised rate will apply from the effective date of change.
- Interest is settled as of the last day of each month and paid on the 1st of the following month. From the interest payment date until the day before the next interest payment date, or until the day before the customer’s requested payment date, interest is calculated at the agreed rate on the end-of-day balance. Interest is then paid on the 1st of each month or on the date requested by the customer.
- If an attachment or other withdrawal restriction is filed, the account cannot be terminated and payment of principal and interest is restricted.
- Up to "₩100,000,000" per depositor, including the principal and prescribed interest, is protected in accordance with the Depositor Protection Act (combined with other protected products within this bank).
- Customers are entitled to explanation of key details when subscribing to this product in accordance with the Act on Protection of Financial Consumers.
- Please make sure to read through the terms and conditions and the product guide before subscribing to this product.
- Ad updated as of 2026.02.05. Please check from Toss Bank for the latest information.
- This ad will remain published even after it expires for record-keeping purposes.
- Toss Bank Compliance Officer Review No. 2026-634 (2026-02-25 ~ 2027-02-24)
✽ Toss Bank Foreign Currency Account Guide
- Product guide: The Free Currency Exchange (100% discount exchange rate) benefit is provided to customers that have an open “Toss Bank Foreign Currency Account,” and the benefit is applied to all foreign currency deposit and withdrawal transactions involving exchanges between this account and the “Toss Bank (KRW) Account” under their name.
- Eligible customers: A resident individual who is a South Korean national aged 14 or older, with verified real-name identification, and holds a “Toss Bank (KRW) Account” (excluding overseas Koreans). Only one account may be opened per person.
- Supported currency: 17 currencies including USD.
- Interest rate: "All currencies are subject to a 0% interest rate (as of ${{today}}). The interest rate applied follows the “foreign currency demand deposit interest rate by currency” announced daily on the Toss app and website. The interest calculation period runs from the initial deposit date or the last interest addition date until the day before the next interest addition date. Interest is calculated based on the daily closing balance and is settled at the end of each month, added to the principal on the 1st day of the following month, and paid on the 1st of each month or on the date requested by the customer. However, if there are restrictions on withdrawals due to seizure or other reasons, account closure is not permitted, and the payment of principal and interest may be restricted.
- Transaction limit: Deposits of foreign currency amounts up to 10 million KRW per day and 100 million KRW per month (“fill” and “Exchange Currency at Desired Rate” services combined) are allowed, and there are no restrictions on withdrawals (exchanging to KRW). Additionally, amounts exchanged through the “Auto Currency Exchange for Insufficient Balance” service are not included in the transaction limit.
- Balance limit: Some currencies (VND, IDR, PHP, TWD, MYR) holdings cannot exceed the designated limit. For further details, please refer to the “Toss Bank Foreign Currency Account Guide.”
- “Foreign Currency Remittance” is a service that allows customers to send or receive foreign currency between Toss Bank Foreign Currency Accounts. Foreign currency remittances are permitted up to the equivalent of 5 million KRW per day and 20 million KRW per year. For further details, please refer to the “Toss Bank F



A path not taken can feel daunting, even frightening. But the moment someone dares to take the first step, it becomes a path others are inspired to follow. Toss began with a simp

What happens when we do what’s never been done?

이번 달 토스페이의 새로운 혜택은 무엇인가요?
2026년 3월 토스페이의 새로운 가맹점 혜택으로는 마뗑킴, 에즈이프캘리, 인바디, 유닉스, 말하다, 몽키트래블 등의 할인 혜택이 있어요. 쇼핑하기 전 확인하고 더 알뜰하게 결제하세요.

2026년 3월 토스페이 신규 가맹점 자동 할인 혜택
온라인몰에서 결제할 때 토스페이만 선택하면 자동으로 할인이 적용되는 신규 가맹점 혜택이에요.
👕 패션
마뗑킴 결제 혜택
혜택: 4천 원 할인
기간: 26.03.01 ~ 26.03.31
조건: 토스페이로 마뗑킴에서 5만 원 이상 결제
🔗 토스페이로 마뗑킴 할인 받기
에즈이프캘리 결제 혜택
혜택: 최대 4천 원 할인
기간: 26.03.01 ~ 26.03.31
조건: 토스페이로 에즈이프캘리에서 5만 원 이상 결제
🔗 토스페이로 에즈이프캘리 할인 받기
아레나 결제 혜택
혜택: 최대 4천 원 할인
기간: 26.03.01 ~ 26.03.31
조건: 토스페이로 아레나에서 5만 원 이상 결제
🔗 토스페이로 아레나 할인 받기
메이블루 결제 혜택
혜택: 최대 4천 원 할인
기간: 26.03.01 ~ 26.03.31
조건: 토스페이로 메이블루에서 5만 원 이상 결제
🔗 토스페이로 메이블루 할인 받기
📺 리빙 • 가전
듀오백 결제 혜택
혜택: 최대 7천 원 할인
기간: 26.03.01 ~ 26.03.31
조건: 토스페이로 듀오백에서 5만 원 이상 결제
🔗 토스페이로 듀오백 할인 받기
인바디 결제 혜택
혜택: 최대 7천 원 할인
기간: 26.03.01 ~ 26.03.31
조건: 토스페이로 인바디에서 20만 원 이상 결제
🔗 토스페이로 인바디 할인 받기
유닉스 결제 혜택
혜택: 최대 4천 원 할인
기간: 26.03.01 ~ 26.03.31
조건: 토스페이로 유닉스에서 5만 원 이상 결제
🔗 토스페이로 유닉스 할인 받기
퓨처테리어 결제 혜택
혜택: 최대 4천 원 할인
기간: 26.03.01 ~ 26.03.31
조건: 토스페이로 퓨처테리어에서 20만 원 이상 결제
🔗 토스페이로 퓨처테리어 할인 받기
🏫 교육 • 여행
말하다 결제 혜택
혜택: 1% 즉시 할인 (최대 1만 원)
기간: 26.03.01 ~ 26.03.31
조건: 토스페이로 말하다에서 1원 이상 결제
🔗 토스페이로 말하다 할인 받기
몽키트래블 결제 혜택
혜택: 최대 7천 원 할인
기간: 26.03.01 ~ 26.03.31
조건: 토스페이로 몽키트래블에서 20만 원 이상 결제
🔗 토스페이로 몽키트래블 할인 받기

결제 수단을 토스페이로 바꾸는 작은 습관만으로도 현금처럼 쓸 수 있는 혜택이 쌓여요. 다른 사람들은 이미 챙기고 있는 혜택이랍니다.
복잡한 절차 없이 결제할 때 토스페이를 선택하고 똑똑한 소비를 시작해 보세요.

토스페이는 어떻게 사용할 수 있나요?
온라인에서 토스페이로 결제하기
쇼핑몰 결제창에서 결제 수단으로 토스페이를 선택해 주세요.
토스 앱이 열리면 등록된 카드나 계좌 중 하나를 선택하고 간편하게 결제해요.


지금 바로 토스페이로 결제하고 2026년 3월 신규 가맹점 결제 혜택을 받아보세요.


이번 달 토스페이의 새로운 혜택은 무엇인가요?
2026년 3월 토스페이의 새로운 가맹점 혜택으로는 마뗑킴, 에즈이프캘리, 인바디, 유닉스, 말하다, 몽키트래블 등의 할인 혜택이 있어요. 쇼핑하기 전 확인하고 더 알뜰하게 결제하세요.

2026년 3월 토스페이 신규 가맹점 자동 할인 혜택
온라인몰에서 결제할 때 토스페이만 

신규 가맹점 마뗑킴, 에즈이프캘리, 인바디, 유닉스, 말하다, 몽키트래블 등의 할인 혜택 확인하세요

토스페이 신규 가맹점 결제 혜택: 2026년 3월

중소벤처기업부가 2월 9일부터 '소상공인 경영안정 바우처' 신청을 받고 있어요. 매달 반복되는 공과금과 보험료 부담이 큰 소상공인이라면 반가울 소식이에요.
소상공인 경영안정 바우처란?
전기·가스·수도요금 같은 필수 고정비에 사용할 수 있는 디지털 바우처예요. 단순한 현금 지원에 그치지 않고, 실제 사업 운영에 꼭 필요한 곳에 요긴하게 쓰이도록 설계되어 더욱 직접적인 도움이 돼요.
혜택 범위
공과금, 4대 보험료, 차량 연료비, 전통시장 화재공제료에 소요되는 비용 지원
소상공인 1인당 바우처 최대 25만 원
지원 대상
다음 조건을 모두 충족해야 해요.
2025년 연 매출액 0원 초과, 1억 400만 원 미만 소상공인
2025년 12월 31일 이전에 개업한 사업체
신청 시점에 실제 영업 중인 사업체
※ 단, 유흥업, 도박·사행성 업종, 가상자산 매매업 등 정책 자금 제외 업종은 지원 대상에서 제외돼요.
신청 방법
소상공인 경영안정 바우처 전용 홈페이지나 소상공인24 홈페이지에서 별도 서류 제출 없이 신청할 수 있어요.
카드사를 고르면 그 카드로 바우처가 지급되고, 지정 사용처에서 카드로 결제하면 지원금이 자동으로 차감되는 방식이라 편리해요.
이번 바우처는 소상공인들에게 큰 부담이 되는 고정비를 줄여준다는 점에서 직접적인 도움이 될 거예요. 가게 운영에 실질적인 보탬이 필요한 소상공인이라면 이 기회를 놓치지 마세요!

Edit 김예진 이지영 Graphic 조수희


중소벤처기업부가 2월 9일부터 '소상공인 경영안정 바우처' 신청을 받고 있어요. 매달 반복되는 공과금과 보험료 부담이 큰 소상공인이라면 반가울 소식이에요.
소상공인 경영안정 바우처란?
전기·가스·수도요금 같은 필수 고정비에 사용할 수 있는 디지털 바우처예요. 단순한 현금 지원에 그치지 않고, 실제 사업 운영에 꼭 필요한 

공과금과 보험료가 부담되는 소상공인이라면 확인해 보세요

최대 25만 원, 소상공인 경영안정 바우처로 고정비 부담 덜어요


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




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 o

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