Toss (Viva Republica)

Toss, operated by Viva Republica, is South Korea's most valuable fintech company. Starting as a simple money transfer app, Toss has evolved into a comprehensive financial super-app offering banking, investments, insurance, and credit scoring services. Toss Bank, its digital banking subsidiary, has attracted millions of customers and is challenging traditional Korean banks.

Toss has proven that fintech super-apps can successfully challenge incumbent banks in a highly regulated, developed market like South Korea.