Viva Republica, operator of Toss, said on March 13 it has presented a vision for a transition to a “money 3.0” era led by programmable money and stablecoins, beyond physical money (1.0) and electronic money (2.0).

Toss attended the “2026 Blockchain Meetup Conference” held at the Seoul Textile Center on March 12 and unveiled its future finance blueprint under the theme “Money 3.0, the next era opened by Toss.” The conference was held under the theme “Trust becomes infrastructure: the digital economy opened by blockchain and stablecoins,” and featured various discussions on currency innovation. Toss participated in the event for the first time and disclosed its stablecoin-related strategy for the first time.

Seo Chang-hoon (서창훈), an executive director in charge of new business at Viva Republica, said, “If Toss in 2015 lowered the barriers to finance by ‘redesigning remittances’ without public certificates, then in 2026 we will complete a ‘borderless finance super-app’ by ‘redesigning money’ that goes beyond the boundaries of borders, products, time and participants.”

Seo presented the core characteristics of “money 3.0” as universality, programmability, verifiability, composability and seamlessness, and explained capabilities held by Toss.

Toss also presented a programmable money structure combined with AI. It said the structure could develop so that logic is embedded in money itself and financial transactions are executed automatically without people making decisions directly. It also presented a vision for an “AI-based financial operating system (OS)” that automates the execution of complex smart contracts through a structure in which AI agents design transaction conditions and MyData provides contextual information.

Seo said, “Toss is a full-stack fintech platform that has secured financial licences such as banking (Toss Bank), securities (Toss Securities) and payments (Toss Payments).” He added, “By combining 30 million users and AI technology, we will become a leading company of a ‘money 3.0 operating system.’”