Viva Republica Co Ltd. develops social networking applications. Viva Republica’s key mobile application called “Toss” offers fund transfer and payment services via a P2P model, directly serving consumers and merchants. Before Toss, users required five passwords and around 37 clicks to transfer $10. With Toss, users need just 1 password and three steps to transfer up to KRW 500,000 ($430).