MU SOURCE: Nick Huber (Miami '12), Prashant Gangwal (Miami '03)
LEAD INVESTORS: Spice Expeditions, Altos Ventures

Toss is South Korea’s leading financial super-app — a one-stop platform redefining how people manage money.

Launched by Viva Republica and headquartered in Seoul, Toss began as a simple peer-to-peer payment app and has since evolved into a comprehensive fintech ecosystem that empowers users to take control of their financial lives. Today, millions rely on Toss to seamlessly handle everything from budgeting and money transfers to investing, credit management, loans, insurance, and payments — all from a single mobile interface.

Toss is built around simplicity, safety, and inclusivity. It offers free, secure transfers with built-in fraud protection, smart credit score tracking with personalized improvement tips, intuitive investing through Toss Securities, and tailored loan and insurance recommendations — meaning users can make smarter financial decisions without bouncing between apps.

What started as a solution to fragmented banking has become one of Asia’s most ambitious fintech platforms, capturing broad adoption in South Korea and accelerating toward global expansion. With its user-centric design and all-in-one functionality, Toss is transforming everyday finance into a frictionless, empowering experience.