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I failed eight startups before Toss. Each one taught me what not to build. Toss was the first time I built something people actually needed every day.
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Korean banks had terrible apps. Sending money to a friend took 14 steps. We made it take one. That is the entire product.
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Regulators told us no 17 times before we got our license. Most founders would have quit after three. We just kept showing up with better arguments.
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We do not want to be a bank. We want to be the financial operating system for Korea. Banks are one layer. We want to be the layer underneath.
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In Korea, your phone is your wallet, your bank, your brokerage, your insurance agent. We just made all of those work in one app.