Toss, the fintech platform operated by Viva Republica, announced its vision for a new “Money 3.0” era at the 2026 Seoul Blockchain Meetup Conference held in Seoul on Thursday. The company is focusing on blockchain technology and stablecoins to drive this evolution.
Seo Chang-whoon, Corporate Development Director at Toss, presented the company’s future financial model under the theme “Trust as infrastructure: a digital economy driven by blockchain and stablecoins” at the Seoul Textile Center event.
This presentation marked the first public disclosure of Toss’s stablecoin strategy.
Seo stated that Toss aims to transform its platform into a borderless financial super app by fundamentally redesigning how money functions.
“In 2015, Toss lowered barriers to financial services by removing the public certification requirement for wire transfers,” Seo explained. “By 2026, we aim to complete a borderless financial super app by redesigning money itself — removing boundaries across borders, products, time and entities.”
He defined “Money 3.0” by five key characteristics: universal, programmable, verifiable, composable, and seamless.
According to Seo, Toss’s existing ecosystem, boasting over 30 million users, positions the platform to rapidly adopt next-generation digital financial services once the necessary infrastructure is fully established.
The company also outlined plans to expand its offline payment infrastructure, targeting 500,000 payment terminals by 2026 and 700,000 by 2027, to strengthen both its online and offline payment capabilities.
Toss also revealed a proof of concept that combines its small-business credit scoring model, SohoScore, with blockchain-based smart contracts.
This system allows for automated credit score updates, loan execution, and interest rate adjustments within a single smart contract, potentially paving the way for innovative conditional financial products.
A Toss official explained that this model demonstrates how programmable money – financial logic embedded directly into digital currency – can automate crucial financial decisions using AI.
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