Toss Unveils Stablecoin Road Map, Eyes Borderless Finance ‘Super App’

Toss said it is preparing for what it called the “Money 3.0” era, in which programmable money and stablecoins take the lead beyond cash and electronic money. 

The company said on 13 that it presented its future finance vision at the “2026 Blockchain Meetup Conference” held at the Seoul Textile Center. 

Seo Chang-hoon, an executive director at Toss in charge of new business, outlined next-generation financial services that combine stablecoins and artificial intelligence, saying the company will build a “borderless finance super app” by redesigning money without boundaries of “borders, products, time and actors.”

It was the first time Toss has publicly disclosed its stablecoin strategy. Seo said the company, backed by about 30 million users, is laying out a blueprint for “programmable money” combined with AI.

Programmable money refers to digital currency in which preset transaction conditions are executed automatically. Seo described it as a structure in which “logic is embedded in the money itself,” so the money can “think and move on its own” without people making each decision.

Seo also said financial services are likely to emerge in which AI agents and blockchain-based stablecoins automate decision-making and execution for payments, remittances and investments.

He said Toss will “boldly replace the rails” of its existing financial capabilities to create a borderless financial environment and deliver innovation that makes previously impossible transactions a reality.