Toss Unveils Stablecoin Strategy for the First Time: "Leading the Currency 3.0 Era with a Borderless Super App"

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Toss has unveiled its stablecoin strategy to the public for the first time. The company presented its vision to complete a financial super application (app) by redesigning currency to be borderless in terms of geography and time, signaling a full-fledged transition to the "Currency 3.0" era led by stablecoins.

On the 12th, at the Textile Center in Gangnam-gu, Seoul, Changhoon Seo, Executive Director of New Business at Toss (Viva Republica), who attended the "2026 Blockchain Meetup Conference," is presenting the future vision under the theme "Currency 3.0, The Next Era Opened by Toss." Toss

On the 12th, Toss announced that it participated in the "2026 Blockchain Meetup Conference," hosted by the Ministry of Science and ICT and the Korea Internet & Security Agency at the Textile Center in Gangnam-gu, Seoul, where it presented its future vision under the theme "Currency 3.0, The Next Era Opened by Toss." For the first time at the conference, Toss publicly disclosed its strategy related to stablecoins.

Seo Changhoon, Executive Director of New Business, stated, "In 2015, Toss lowered the barriers to finance by redesigning money transfers without the need for official certificates. This year, Toss aims to complete a 'borderless financial super app' by redesigning currency to transcend the boundaries of country, product, time, and entity."

Seo highlighted the characteristics of Currency 3.0 as universality, programmability, verifiability, composability, and transcendence of boundaries, and provided detailed explanations of Toss’s capabilities in each area.

He said, "The biggest challenge in introducing a new currency system is mass adoption. Toss has already secured 30 million users, which covers the vast majority of Korea's economically active population. If Toss activates the Currency 3.0 infrastructure, these 30 million users could immediately become everyday users from day one, even without creating a separate wallet."

He also presented a blueprint for "programmable money" integrated with artificial intelligence (AI). Seo explained, "With logic embedded in money, funds will be able to think and move autonomously. In the near future, every user will have an AI assistant like 'Jarvis' through Toss and, based on the stablecoin infrastructure, AI will automatically handle not only payments, transfers, and exchanges, but also actions such as automatic purchases when target prices are reached, portfolio rebalancing, and loan repayment optimization."

The vision for a Currency 3.0 operating system (OS) was also unveiled. Seo said, "Instead of users designing complex smart contracts themselves, AI agents will configure transaction conditions, and MyData will provide contextual information; the AI OS equipped with programmable money will autonomously execute these processes. As a company licensed across banking, securities, and payments, Toss aims to become a pioneer of the Currency 3.0 OS by combining its 30 million users with AI technology."

Toss is also enhancing its internal control and risk management systems in line with the direction and consistency of the upcoming phase-two virtual asset legislation. The company emphasized that it will prioritize financial consumer protection and strive to ensure both market soundness and investor trust.

A model for realizing the "composability" of finance was also presented. Seo commented, "In an era where financial functions can be combined like Lego blocks, 'App in Toss' will serve as a global hub for decentralized applications (DApps). We aim to create a new economic ecosystem where apps developed by developers worldwide can instantly reach 30 million users, and micro-payments, such as '10 won per blog view,' will occur in real time."

An aggressive goal for expanding offline touchpoints was also announced. He emphasized, "No matter how innovative digital currency is, it cannot be considered true money if it cannot be used at a local cafe. This year, we will deploy 500,000 Toss Place payment terminals nationwide, and 700,000 next year, to secure universality that covers 100% of daily life both online and offline."

Meanwhile, ahead of the announcement, Toss completed a proof of concept (PoC) for applying the core concepts of Currency 3.0 to financial services. The result, finalized internally earlier this month, is the "Mutual Growth Digital Asset Loan Project for Small Business Owners." The PoC was designed by combining Toss’s proprietary credit scoring model for individual business owners, "SOHO Score," with blockchain-based smart contracts. In this model, after a small business owner takes out a loan with digital assets and their credit score improves, the loan interest rate is automatically reduced without the need for a separate interest rate reduction request. This demonstrates that programmable money, designed to think and act autonomously, can operate as an actual financial product.

A Toss representative stated, "The significance of the PoC lies in the fact that the entire process, from design to implementation, was carried out solely with Toss’s own blockchain development capabilities. By building a structure in which credit score changes, loan execution, and interest rate adjustments operate organically within a single smart contract, we have confirmed the potential for expansion into various types of conditional financial products in the future."

This content was produced with the assistance of AI translation services.