Six-month “Toss On-site Financial Education” program launched in April to enhance financial literacy and prevent fraud

Viva Republica, the operator of the financial super app “Toss,” announced that it has partnered with the Seoul Borderline Intellectual Functioning Continuing Education Support Center (“MIM Center”) and social enterprise Free Whale to offer financial education to young adults with borderline intellectual functioning (“BIF”). Over the next six months, Toss will continue its outreach-based financial literacy program, aiming to help such so-called "slow learners" build healthy financial habits and support their path to independence.

The first session of ‘Toss On-site Financial Education’ was held on April 28 at Free Whale headquarters, with 10 young adults currently working as baristas at Free Whale participating. The session was divided into two parts: “Financial Basics” covering the importance of early financial planning, understanding interest, and credit management, and “Fraud Prevention” based on recent real-life scam cases.
A key strength of the program was its tailored curriculum, developed through one-on-one preliminary interviews and surveys with both participants and their primary caregivers. This approach received positive feedback for effectively addressing practical needs. Research shows that individuals with BIF are more susceptible to financial fraud than the general public. To address this, Toss aims to increase participants' financial literacy levels by 50% by September 2025, helping ensure safer financial lives.
This initiative follows the memorandum of understanding signed in December 2024 between Toss and the MIM Center. The program is managed by Toss CX, a Toss affiliate specializing in non-face-to-face customer service. Toss CX has long supported vulnerable youth through various financial literacy programs, helping them achieve financial independence. Drawing on its accumulated experience, Toss CX will offer the participants personalized consulting, small group workshops, and behavior-based assessments, delivering tailored financial management solutions.
“Young adults with BIF often struggle with social adaptation but fall outside the legal definition of disability, which makes it difficult for them to access the support they need,” a Toss representative said. “Through this program, Toss hopes to make financial life more equitable and accessible for everyone—and to inspire meaningful change.”


Six-month “Toss On-site Financial Education” program launched in April to enhance financial literacy and prevent fraud

Viva Republica, the operator of the financial super app “Tos

Six-month “Toss On-site Financial Education” program launched in April to enhance financial literacy and prevent fraud

Toss, MIM & Free Whale Teach Finance to Youths with BIF

Donation of ₩100 million from The Money Book proceeds to support individuals with borderline intellectual functioning
Participated in the "MIM Center Hwaljak Day" on the 24th, committing to ongoing support for financially marginalized groups

Viva Republica, the operator of the financial super app "Toss," has signed an MOU with Seoul City to support individuals with borderline intellectual functioning.

As part of this initiative, Toss has donated ₩100 million from the proceeds of its financial guidebook, The Money Book: Guide to Shape Your Future (The Money Book), published in May. Recognizing that individuals with borderline intellectual functioning often face gaps in social support, Toss aims to provide structured assistance to address their needs.
Of the ₩100 million donation, ₩70 million was allocated to the Seoul Borderline Intellectual Functioning Continuing Education Support Center (MIM Center) to help establish the "Slow Growth Dream Space." This space includes art therapy and counseling rooms to provide emotional and psychological stability while fostering creativity. The remaining ₩30 million was donated to the Youth Mungan Social Cooperative, which will improve two locations of "Youth Mungan Restaurant" into workplaces tailored for individuals with borderline intellectual functioning.
To further expand its support efforts, Toss attended “MIM Center Hwaljak Day” on December 24, where it officially signed an MOU with Seoul City to collaborate on lifelong education initiatives for individuals with borderline intellectual functioning. The signing ceremony was attended by Toss CEO Seunggun Lee, Toss CX CEO Heejin Kang, Seoul City Mayor Se-hoon Oh, Lifelong Learning Bureau Director Jong-won Koo, MIM Center Head Kyo Bong Lee, and Chairman of Youth Mungan Social Cooperative Mun-su Lee.
On December 24, at MIM Center Hwaljak Day, attendees posed for a photo at the MOU signing ceremony to support individuals with borderline intellectual functioning. (From left: Toss CX CEO Heejin Kang, Toss CEO Seunggun Lee, Seoul Mayor Se-hoon Oh, Chairman of Youth Mungan Social Cooperative Mun-su Lee, Lifelong Learning Bureau Director Jong-won Koo, and MIM Center Head Kyo Bong Lee)
After the signing, attendees visited job preparation support programs for young adults and financial education sessions for parents of individuals with borderline intellectual functioning, reaffirming their commitment to collaboration. The financial education sessions were conducted by Toss CX, Toss’ dedicated customer service affiliate. Throughout 2024, Toss CX has actively participated in various support programs for individuals with borderline intellectual functioning, including running a pilot job experience program for young adults with borderline intellectual functioning, co-organized by MIM Center, the Korea Youth Foundation, and the Korea Employment Agency for Persons with Disabilities; a financial education session for primary caregivers; and setting up awareness-raising event booths.
"Through this agreement, we will actively support individuals with borderline intellectual functioning in gaining independence and achieving growth beyond the social support gap,” said Seunggun Lee, CEO of Toss. “Toss will continue to evolve beyond financial services, embracing marginalized communities and fulfilling its social responsibility as a company."
Toss plans to expand support programs, including financial education for individuals with borderline intellectual functioning, while also exploring practical solutions to assist financially marginalized communities. Additionally, a second round of donations from The Money Book proceeds is planned to continue support for these groups.


Donation of ₩100 million from The Money Book proceeds to support individuals with borderline intellectual functioning
Participated in the "MIM Center Hwaljak Day" on the 24th, comm

# individuals with borderline intellectual functioning

Toss, MIM & Free Whale Teach Finance to Youths with BIF

Toss & Seoul Sign MOU for Borderline Intellectual Functioning