Toss is a mobile platform that consolidates bank accounts, cards, loans, investments, and other financial products into a single dashboard, enabling users to track balances, transactions, and credit scores in real time. It offers fee‑free peer‑to‑peer transfers with fraud‑account checks, auto‑payment scheduling, multi‑bank loan comparison, integrated brokerage, tax filing, insurance management, and property/vehicle expense tools, while also providing businesses with payment processing, POS, and sales analytics solutions.
Funding
Funding not disclosed
+1Founders
Product
Problem
Consumers and small businesses often have to use multiple separate apps and services to manage bank accounts, payments, loans, investments, taxes, and insurance, leading to fragmented experiences, hidden fees, and difficulty tracking overall financial health.
Solution
Toss provides a unified mobile platform that aggregates users’ bank accounts, cards, loans, investments, and other financial products into a single dashboard. The app enables fee‑free peer‑to‑peer transfers, automatic fraud‑account checks before sending money, and scheduled auto‑payments that operate even during bank maintenance windows. Users can compare loan offers from multiple banks in minutes, monitor and improve their credit scores, and access investment products through an integrated brokerage interface. Additional services include tax filing assistance, insurance policy management, and automated handling of real‑estate and vehicle expenses. For businesses, Toss offers payment processing, sales tracking, and point‑of‑sale solutions that streamline revenue management and reduce transaction costs.
Target Audience
Primary users are individual consumers seeking a single app to manage personal finances, and small‑to‑medium enterprises that need integrated payment processing and financial management tools.
Features
- Account and card linking that consolidates balances, transactions, loan and investment details in real time
- Lifetime free peer‑to‑peer transfers with built‑in fraud‑account verification
- Auto‑payment scheduling that executes transfers after bank maintenance periods
- Multi‑bank loan comparison tool delivering personalized offers with high limits and low rates
- Credit‑score monitoring and improvement workflow with direct document submission
- Integrated brokerage (Toss Securities) offering intuitive investment purchasing without a separate app
- Tax filing, insurance claim submission, and property/vehicle expense management within the same interface
- Business suite including Toss Payments, Toss Place POS, and sales analytics for streamlined merchant operations