Toss

Toss is a South Korean fintech company founded in 2015 that operates the country's leading financial super app. The platform integrates more than 100 services - spanning payments, banking, securities, insurance, and lifestyle features - into a single mobile application. Its Simple Transfer Service, launched in February 2015, was the first in Korea to enable money transfers without requiring an accredited digital certificate, removing a significant barrier to digital payments.

The company's scale is notable: Toss is used by more than half of the South Korean population, with penetration rates of 94% among people in their 20s, 85% among those in their 30s, and 74% among those in their 40s. The platform's design philosophy centres on eliminating financial jargon and simplifying complex services for mobile-first users, consistent with a vision to make finance broadly accessible.

Technical work at Toss spans mobile-first platform development, financial technology infrastructure, user authentication systems, and digital payments architecture. Products include the core Toss app, which serves as a unified dashboard for financial and lifestyle needs, as well as Toss Securities, which brings investment services into the same ecosystem. The company operates exclusively within South Korea.