Toss Crypto Plans Signal South Korea Blockchain Push

Toss is exploring a native cryptocurrency and blockchain network, signaling deeper fintech expansion into Web3 infrastructure in South Korea. The move reflects growing competition among institutions preparing for regulated digital asset markets.

[단독] 토스, 레이어 1 자체 메인넷 만든다⋯웹3 금융 패권 향한 ‘승부수’ 띄우나 | 블록미디어

핀테크 플랫폼 토스가 자체 메인넷 구축과 함께 자체 디지털자산 발행을 추진하고 있다. 6일 <블록미디어>의 취재를 종합하면 토스는 레이어1 블록체인 네트워크(메인넷) 기반으로 자체 코인(네이티브 토큰)을 발행하고, 이를 결제 및 금융 서비스에 활용하는 방안을 논의

블록미디어김해원 기자

The company is considering launching either a Layer 1 mainnet or a Layer 2 network, according to a report by Blockmedia citing a source familiar with the matter. However, final decisions remain on hold pending clarity around South Korea’s Digital Asset Basic Act.

Will Regulation Shape Toss Blockchain Strategy?

The proposed legislation is expected to define rules for token issuance, stablecoins, and crypto exchange-traded funds (ETFs). Delays in the framework have created uncertainty, slowing execution timelines for firms evaluating blockchain deployments.

Toss has already positioned itself within this transition. The company filed multiple trademarks tied to stablecoins and is developing a Web3 wallet designed to integrate with its existing mobile financial platform.

Across South Korea, institutions are accelerating blockchain initiatives as regulatory clarity approaches. Many projects center on Korean won-denominated stablecoins, which policymakers view as a foundation for domestic digital finance infrastructure.

But will Toss prioritize full network control through Layer 1, or opt for scalability advantages with a Layer 2 approach? The choice could influence how it integrates payments, lending, and digital asset services within its ecosystem.

The broader shift mirrors trends in other markets where fintech firms are building proprietary blockchain rails to retain user engagement. Compared to earlier cycles dominated by crypto-native startups, established financial platforms are now driving adoption through existing customer bases.

Toss’s eventual architecture decision will likely hinge on regulatory timelines and technical trade-offs. The next catalyst remains legislative progress on the Digital Asset Basic Act, which will define how aggressively firms can move from pilot to production.