Achieved in 3 years and 9 months since its launch, becoming a “staple financial service” for teens
More than 3.2 million USS Cards issued, becoming the first card teens get in their name

Viva Republica, the operator of the financial super app “Toss,” announced that the app has surpassed 3 million 'Teen' users. This milestone comes just 3 years and 9 months after the service launched in July 2021. With 85% of middle and high school students choosing Toss as their primary financial services app, the platform has firmly established its position in the sector.

Toss Teens is a dedicated service available to users aged 7 to 18, designed to address financial inconveniences uniquely experienced by teenagers in areas such as money transfers, payments, transportation, and shopping. As the service highlights its potential to help children develop healthy financial habits, it has been receiving positive feedback from parents.
The USS Card is a prepaid top-up card exclusive for children and teens, and is one of the key Teens services that helps teens foster independent financial habits. The Youth Card has gained recognition as a teenager’s very first personal card—‘My Card’—in their own name, rather than a parent’s card often referred to as a ‘mom’s card.’ Over 3.2 million USS Cards have been issued since its launch in December of 2021. By using and managing their own card, children learn to manage their finances—prompting today’s parents, who are increasingly interested in early financial education, to actively encourage their children to use their own card.
Teens services such as the ‘Money Study Café’ and ‘Mock Investment’ are also well recognized among parents. The Money Study Café, which provides financial education content specifically for teenagers, has enhanced the credibility and expertise of its content through a partnership with the Financial Supervisory Service’s ‘e-Finance Education Center’ since January of last year. The Mock Investment service allows teens to experience investing in domestic and international stocks using virtual money while tracking real-time prices. To date, the service has attracted approximately 760,000 cumulative users.
Traditional tools long used to help children build smart spending habits—like piggy banks and allowance diary—have been reimagined in Toss Teens. The Piggy Bank service, used by an average of 630,000 users per month, allows kids to set their own savings goals and work toward them. They can also set shared goals with their parents, such as saving for a trip or a gift, creating new opportunities for connection. Toss Teens also offers access to important school-related information, such as lunch menus and class schedules.
Toss Teens has implemented a range of youth protection systems to ensure that teenagers can begin their financial journey in a safe environment. The sign-up process for minors has been reinforced with a three-step verification system, and a Fraud Detection System (FDS) is in place to safeguard their personal information from financial scams. The USS Card blocks transactions in restricted business categories for minors and disables overseas payments entirely. Additionally, if a user attempts to transfer money to an account with a history of fraud or reports, a warning alert is displayed.
“We feel a deep sense of pride and responsibility knowing that 3 million Korean teenagers are beginning their financial journey through Toss Teens,” a Toss representative said. “We will continue to provide high-quality content to help them lead independent financial lives even in a more complex financial environment they will face as adults.”


Achieved in 3 years and 9 months since its launch, becoming a “staple financial service” for teens
More than 3.2 million USS Cards issued, becoming the first card teens get in thei

Becoming a “staple financial service” for teens

Toss Surpasses 3 Million Teen Users

One of Moneygraphy’s most popular series, Money Chord Season 2 ends its journey with a concert
Lineup includes The Quiett, Meaningful Stone, Balming Tiger, and more–tickets open at Melon Ticket on May 9

Viva Republica, the operator of the financial super app “Toss,” announced that it is holding a concert as the last step of the journey of Money Chord Season 2 which is one of its popular series on its Youtube Channel, Moneygraphy. The concert is being held at Seoul National University, Power Plant 1 venue on May 31.

"Money Chord" is a YouTube series created by Toss that features candid conversations about music, art, and finance with artists at the forefront of popular culture. The show is characterized by its in-depth discussions, raising a variety of questions and concerns within the music industry. In Season 2, Wookipop and Looksam—who had appeared as 'Room Corner Listeners' in Season 1—take on a role as hosts, forming cultural connections with artists across diverse genres while vividly capturing the realities of the industry.
The upcoming concert, Money Chord Concert: Out of the Room Corner, is an extension of Season 2’s theme—“stepping out of the room and facing the world”—in concert form. It will bring together artists who have shared the spirit of Money Chord, creating a space for musical dialogue. The concert lineup includes rapper The Quiett, guitarist and DJ Yohei Hasegawa, singer-songwriter Meaningful Stone, alternative K-pop group Balming Tiger, and electronic music artist Kirara.
Tickets are going on sale at 12 PM on Melon Ticket on Friday May 9. A 1+1 ticket option is also available for guests attending with a companion. More details about the concert can be found on the official website, which is scheduled to open at 12 PM on the 30th.
“This concert will serve as the stage where the narrative of Money Chord Season 2—breaking out of the confines of one’s room and facing the world—comes to life,” said Soondo Paek, the producer overseeing the Moneygraphy channel at Toss. “We hope this becomes the moment where Moneygraphy’s identity is most densely and vividly expressed in a physical, offline space. We also hope that the genuine voices of the artists introduced through Money Chord reaches an even wider audience through this concert.”
Since releasing its first video in September of 2021, Moneygraphy has produced content that connects personal taste with economics. The channel has gained popularity through a variety of series, including Money Chord, which delves into the music industry; B-Class Economics, which explores the underside of consumer culture; and K’s Study, which analyzes Korean consumer trends. In just three and a half years since its launch, the channel has surpassed 390,000 subscribers.


One of Moneygraphy’s most popular series, Money Chord Season 2 ends its journey with a concert
Lineup includes The Quiett, Meaningful Stone, Balming Tiger, and more–tickets open at

Money Chord Season 2 ends its journey with a concert

Toss Holds “Money Chord Concert: Out of the Room Corn”

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

A total of 14 sessions sharing user experience improvement cases, featuring participants from various roles including designers
Mobile-optimized viewing environment, enhanced with AI avatars and short-form content for added engagement

Viva Republica, the operator of the financial super app “Toss,” announced the launch of the fourth season of its online design conference, "Simplicity." Since 2021, Simplicity has been held to share the process and achievements of realizing Toss’ design philosophy—Design that needs no explanation.

This season’s theme is “Vision-Driven Design,” with a focus on sharing cases where Toss improved its user experience (UX). A total of 14 sessions featured speakers from various roles directly connected to Toss’ UX—such as designers, researchers, writers, and engineers—who introduced the challenges they faced and how they solved them during the service improvement process. The sessions covered a wide range of topics, including the development of the design tool “Tosst,” which automatically generates Toss graphics in just three seconds, and efforts to improve app accessibility for users with visual impairment. Attendees could also see how Toss’ design philosophy is applied in actual products.
This year, the conference especially emphasized a mobile-optimized viewing experience for greater convenience. All presentations were produced in a short-form format of under 5–6 minutes, allowing viewers to access the content easily anytime and anywhere. Interactive features that allow direct engagement with the screen were also added for enhanced immersion. In addition, AI avatars were created to represent the speakers’ appearance and voice, enhancing the viewing experience. Each session is available on the Simplicity Season 4 website.
Meanwhile, viewers can participate in the “Apply for a Coffee Chat” event, where they can engage in conversations with the speakers. Applications can be submitted until May 11 by clicking the “Apply for a Coffee Chat” button on the final screen of each session video. Selected participants will be individually notified of the results. “The design of the Toss app is the key to intuitive user experience,” a Toss representative said. “We hope Simplicity becomes a helpful resource for everyone working to solve UX challenges through design.”


A total of 14 sessions sharing user experience improvement cases, featuring participants from various roles including designers
Mobile-optimized viewing environment, enhanced with 

A total of 14 sessions sharing user experience improvement cases, featuring participants from various roles including designers

Toss Launches Season 4 of Online Design Conference ‘Simplicity’

Switching bills, certificates, and other documents to digital formats — 38% increase in issuance compared to 2023
Protecting 22,000 trees — saving approximately 630 tons of carbon and 2.2 billion liters of water

Viva Republica, the operator of the financial super app “Toss,” announced that it issued 220 million electronic documents in 2024, significantly reducing paper usage. This represents a 38% increase from 2023, reflecting the rapid normalization of digital document use in everyday life.

Toss offers a variety of essential documents, such as bills, notices, and certificates, as electronic documents through its app. Users can access administrative documents like resident registration copies and national health insurance records, as well as traffic fines and penalty notices, anytime and anywhere, without paper, using services such as mobile bills, GoodPy, and public e-documents.
The 220 million electronic documents issued in 2024 equate to approximately 220 million sheets of paper, or around 1,100 tons, based on an A4 sheet weighing 5g. Considering that one 30-year-old tree is needed to produce 10,000 sheets of paper, this translates to the protection of approximately 22,000 trees. Additionally, it's estimated that this effort helped avoid around 630 tons of carbon emissions (2.88g per sheet) and saved approximately 2.2 billion liters of water (10 liters per sheet), which are typically consumed during paper production.

Toss affiliates are also actively contributing to reducing paper usage. Toss Payments, the company’s payment gateway (PG) affiliate, has transitioned most of its merchant contract processes to an electronic contract system. Since its introduction in 2022 up to February 2025, about 92% of all contracts were issued electronically, saving around 7 million sheets of paper. Similarly, Toss Place, Toss’ subsidiary providing payment terminals and POS solutions, has replaced around 150,000 receipts with electronic documents over the past two years since launching its terminal in 2023.
“Transitioning to electronic documents is a small yet meaningful change," a Toss representative said. “We will continue developing services that enhance user convenience while contributing to the protection of our planet.”



Switching bills, certificates, and other documents to digital formats — 38% increase in issuance compared to 2023
Protecting 22,000 trees — saving approximately 630 tons of carbon 

# press release

Toss Surpasses 3 Million Teen Users

Toss Holds “Money Chord Concert: Out of the Room Corn”

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

Toss Launches Season 4 of Online Design Conference ‘Simplicity’

Toss Cuts 220 Million Sheets of Paper With E-document Issuance