Toss

Toss, founded in 2015, operates Korea's leading financial super app: a mobile-first platform that consolidates more than 100 services - money transfers, payments, banking, investments, insurance, consumer lending, tax services, shopping and lifestyle offerings - into a single product. Its first service, launched in February 2015, was the first transfer service in Korea to dispense with the accredited certificate requirement, an early signal of a company intent on removing complexity and jargon from financial services. The app also offers a unified dashboard for bank accounts, cards, insurance and securities, alongside lifetime free money transfers, personalised loan recommendations, credit score management, and tax payment and document issuance.

The scale is difficult to overstate. Toss is used by more than one in two Koreans. Its registered user base reaches 94% of people in their 20s in Korea, 85% of those in their 30s, and 74% of those in their 40s. Toss Securities extends the platform into investment services. The company operates in South Korea and spans financial services, banking, payments, consumer lending, insurance, securities and investments, tax services, shopping and lifestyle verticals.

Engineering work at Toss sits at the intersection of several demanding domains: fintech, mobile-first platform development, financial services integration, payments technology, and digital identity and authentication. The stated vision - making finance simple and accessible for everyone - is pursued through user-centric, intuitive, mobile-first product design and an innovation-led record of removing friction from regulated financial processes. For engineers, the opportunity is to build and operate systems at national population scale inside a company whose products are already embedded in the daily financial lives of most of the country.