Exclusive partnership with KCB to provide analysis of credit score changes
Check important items such as loan repayment amounts and credit card spending

Viva Republica, the operator of the financial super app “Toss,” announced that it has launched the ‘My Credit Score Report’ service. The service will be operated under an exclusive agreement with KCB (Korea Credit Bureau) until December this year.

‘My Credit Score Report’ is a service in which Toss analyzes KCB’s credit scores and basic data, and visually organizes the main factors that have affected the score. This is the first time in Korea that a factor analysis report is provided free of charge, going beyond a simple credit score inquiry.
Users can check up to six key factors at a glance, including the top three factors that had a positive impact and the top three factors that had a negative impact on their credit score. Notifications are also sent to immediately inform users of the reasons behind any increase or decrease in their credit score.
When MyData is linked, additional items beyond the credit score can be viewed. These additional details include recent loan repayment amounts, credit card spending, debit card usage period, and credit transaction period.
It is meaningful in that users can identify which financial behaviors have influenced their credit score and establish a plan for credit improvement based on this information.
This service can be accessed in the Toss app under ‘My Credit Score’ > ‘My Credit Score Report’.
“We launched this service to help users better understand and systematically manage their credit scores,” a Toss representative said. “We will continue to expand credit management services that provide practical assistance in users’ financial lives.”


Exclusive partnership with KCB to provide analysis of credit score changes
Check important items such as loan repayment amounts and credit card spending

Viva Republica, the operat

Manage your credit score through financial behavior analysis

Toss Launches ‘My Credit Score Report’ Service

Over 90% of people in their 20s and 30s use Toss … chosen as the entry point for financial life
76% subscription rate among the working-age population … expanding user base centered on leading income and consumption groups

Viva Republica, the operator of the financial super app “Toss,” announced that its cumulative subscribers have surpassed 30 million as of the end of July. In its 10th anniversary year, Toss has established itself as the leading financial platform used by 6 out of 10 people in Korea.

The subscription rate was particularly high among people in their 20s and 30s, who are beginning their financial activities in earnest. Based on resident registration population statistics from the Ministry of the Interior and Safety in July, an analysis of Toss subscribers by age group shows that about 95% of people in their 20s (5.54 million) and about 87% of people in their 30s (5.8 million) have subscribed. The overall subscription rate for people in their 20s and 30s exceeds 91%. This indicates that the 20s and 30s generation, who are starting to actively manage their financial lives, primarily choose Toss.
This trend is not limited to the 20s and 30s. Expanding the scope to the entire working-age population (15 - 64), who are the most economically active, about 26.74 million people have subscribed to Toss, with a subscription rate of 76%. The fact that more than 7 out of 10 people in the group with the most financial transactions have chosen Toss supports that it has stably secured a broad user base across age groups.
Toss currently provides a wide range of financial services integrated within a single app, including money transfer, payment, investment, banking, credit inquiry, authentication, tax, loan, and insurance brokerage. Users can seamlessly carry out multiple financial activities in one flow without visiting institutions or undergoing complicated procedures, and Toss has established its position as a “financial super app” based on this structure.
This growth has been supported by the design of user-centered financial experiences. Toss has introduced various innovations in the financial industry for the first time, such as simple transfer without a public certificate, ₩1 verification, free credit score inquiry, loan comparison service, fraud alerts, and a safety compensation system, thereby contributing to greater accessibility and convenience in financial services.
Going forward, Toss will further accelerate its vision of becoming a “lifestyle super app beyond finance.” At the 10th anniversary press conference in February, Toss presented its direction of “beyond finance to lifestyle, beyond online to offline, beyond Korea to global,” signaling a turning point for service expansion. In practice, Toss is accelerating strategy execution by building the “App-in-Toss” ecosystem, connecting various partners’ lifestyle services within the Toss app.


Over 90% of people in their 20s and 30s use Toss … chosen as the entry point for financial life
76% subscription rate among the working-age population … expanding user base centere

Now used by 6 out of 10 people in Korea as the leading financial platform

Toss Reaches 30 Million Cumulative Subscribers

Toss Pay now available for App Store, Apple Music, Apple Arcade, Apple TV, and iCloud
Users can conveniently and securely subscribe to and purchase Apple services with Toss Pay

Viva Republica, the operator of the financial super app “Toss,” announced today that Toss Pay is now available as a payment method for Apple services. Users can now make payments using Toss Pay on the App Store, Apple Music, Apple TV, Apple Arcade, iCloud, and more.

Toss Pay is Toss’s easy and secure payment service that allows users to make payments simply by registering their card or bank account in advance and using a password or biometric authentication. With the addition of Toss Pay, users can now subscribe to and purchase Apple services in a more convenient and secure way.
Users can start using Toss Pay by linking it to their Apple account. To register, go to Settings > Payment & Shipping > Add Payment Method and select Toss Pay. Once registered, users can make fast, seamless payments and enjoy content easily through iOS.
A Toss official commented, “We are excited to bring the safe and convenient Toss Pay experience to even more users by adding it as a major payment method for Apple services. Supporting payments on a global platform like Apple is a significant step in expanding our user-centric easy payment experience,” they added. (End)


Toss Pay now available for App Store, Apple Music, Apple Arcade, Apple TV, and iCloud
Users can conveniently and securely subscribe to and purchase Apple services with Toss Pay

Vi

Subscribe to and purchase Apple services with Toss Pay

Toss Pay Now Available for Easy Payments on Apple App Store

Open call for creative HTML5 games … applications open from August 25 to November 3
Open to individuals and team studios … total prize money of ₩70M

Viva Republica, the operator of the financial super app “Toss,” announced that it will jointly host the ‘Toss HTML5 Game Challenge with Neptune’ with mobile game company Neptune on July 30.

The contest has been organized to discover and support creative game content. Neptune, the co-organizer, is a mobile game company known for titles such as Stairway to Heaven and Cat Snack Bar, and has developed various casual games based on creativity and mass appeal.
The contest is open to creative games developed on an HTML5 basis. Submissions can range freely from hyper-casual games to RPG genres, except for board games such as Go-Stop or Omok. Anyone can participate, from individual developers to small team-based studios, and there are no restrictions on the number of submissions or participation attempts.
Applications will be accepted from August 25 to November 3, 2025. Developers can submit their game builds through the official console on the Apps in Toss website. Entries must be original works that do not infringe on third-party intellectual property rights, and all IP rights must belong to the participants. After submission, a game age rating must be obtained in order for the game to go live.
After the application period ends, judging will take place for about three weeks starting November 24, with the final winners to be announced afterward. A total of ₩70M will be awarded: ₩30M for first place, ₩20M for second place, ₩10M for third place, and ₩2M each for five runner-up teams.
In addition, non-commercial games that have not signed or pursued a publishing contract will be considered as candidates for IP publishing deals with Neptune.
The contest has been planned to expand the game partner ecosystem of ‘Apps in Toss,’ which is Toss’ in-app service platform. Apps in Toss allows external partners’ web and app services to run within the Toss app, providing opportunities to open its services to Toss’ 29 million subscribers.
“HTML5 games can be played instantly without installation, offering high accessibility and unique enjoyment for users,” a Toss representative said. “Through this challenge, we will actively support domestic developers so that their creative games can meet users via Apps in Toss.”


Open call for creative HTML5 games … applications open from August 25 to November 3
Open to individuals and team studios … total prize money of ₩70M

Viva Republica, the operator o

Open to all HTML5 game developers

Toss and Neptune to Host ‘HTML5 Game Challenge’

Skill-based recruitment program for new developers … hiring up to 50 people across 5 fields
Application accepted until August 7 … coding test and assignments on August 9

Viva Republica, the operator of the financial super app “Toss,” announced that it has opened applications for the ‘2025 Toss NEXT Developer Challenge(NEXT Developer Challenge)’ on July 29, targeting developers with less than 3 years of experience.

Now in its 6th year, the NEXT Developer Challenge is a skill-based recruitment program for new developers. Its key feature is that candidates can directly demonstrate their capabilities and job fit through development assignments. In fact, those who joined Toss through this process have immediately been assigned to practical tasks such as service improvement and core function development. The program has thus become a recruitment pathway to identify technical potential regardless of prior work experiences.
This year, Toss aims to hire up to 50 developers. The positions open are in five areas: △Server △Frontend △Android △iOS △Node.js development. Notably, Toss Income will participate for the first time this year, joining Toss, Toss Securities, Toss Bank, and Toss Place, for a total of five Toss affiliates involved.
Applications can be submitted through the official NEXT Developer Challenge website until 23:59 on August 7. On August 9, applicants will undergo an online coding test and development assignments. These assignments consist of practical problems to identify developers who can work on real service operations.
Results will be announced on August 18 for the Server position and on August 12 for the other four positions. The next steps will include job interviews, cultural fit interviews, and reference checks, with additional pre-assignment stages possible depending on the position. Final hires are scheduled to join in mid-October.
“We believe the NEXT Developer Challenge is a successful talent acquisition case that reflects Toss’ hiring principle of valuing problem-solving ability over years of experience,” a Toss representative said. “Toss will continue to actively secure core talent with skills and potential, while providing an environment where they can fully demonstrate their abilities to strengthen service competitiveness.”
Meanwhile, more details about the program can be found on the official website of the ‘2025 Toss NEXT Developer Challenge.’ The page also provides information on the recruitment process, as well as interview articles and review videos from team members who joined Toss through this program.


Skill-based recruitment program for new developers … hiring up to 50 people across 5 fields
Application accepted until August 7 … coding test and assignments on August 9

Viva Repu

# press for IR page

Toss Launches ‘My Credit Score Report’ Service

Toss Reaches 30 Million Cumulative Subscribers

Toss Pay Now Available for Easy Payments on Apple App Store

Toss and Neptune to Host ‘HTML5 Game Challenge’

Toss Opens Applications for ‘2025 Toss NEXT Developer Challenge’