Toss is a financial services company that serves customers and businesses with banking, payments, insurance, and store operation tools.
Customer Acquisition
Toss's route to customers is a single app carrying the group's service range, so its reach is a function of how many people use that app.
That base stands at 30 million users in Korea, and 2025 brought the group's first market outside Korea with the launch of Toss in Australia, so the reach indicators to watch are the use of FacePay and Mini Apps among Korean users and how the Australian launch develops.
The 2025 launches are the clearest evidenced growth levers: FacePay, a payment feature that lets a user pay with their face, and Mini Apps, which added hundreds of everyday services and games that run without installation.
The indicators that would confirm or weaken that trajectory are the take-up of FacePay payments, the use of Mini Apps, and how much growth follows the 2025 launch in Australia, which opened the group's first business outside Korea.
Toss's product position is a bundle: banking, income services, a mobile service, investing, payments, the TADA platform, insurance, store operation tools for orders, payments and customer management, and customer support sit in one group, so a customer reaches money movement and the everyday tasks around it through one provider.
The bundle is what the group is built around, with TADA carrying the everyday-movement service and the group's stated goal being to make everyday life simpler.
