近日，韩国金融科技公司 Viva Republica 获得4000万的D轮融资，Viva Republica 是韩国最大的支付应用 Toss 的开发商。本轮融资由新加坡主权财富基金 GIC 和红杉中国领投。这也是 GIC 和红杉中国首次投资韩国创业公司。
去年3月，Viva Republica 曾获4800万的战略性融资，投资方包括 Goodwater Capital 和支付巨头 Paypal 等。这次搭桥融资也是战略性搭桥融资，旨在吸引新的投资者，并且帮助公司加速扩展业务。本次最新融资后，Viva Republica 公司的融资总金额已经达到了 1.16 亿美元本轮交易并未公布估值。
Viva Republica 公司表示，目前注册用户数量超过800万，过去一年注册用户翻了一倍。公司称该平台月交易量超过 100 亿美元，公司预计其年交易率将超过 180 亿美元。
该公司创始人 SG Lee 曾是一名牙医，他看到了移动支付的巨大潜力，所以才有了Toss。韩国的线上银行基础设施较为落后，因此处理业务的手续繁琐。基于这个痛点，Toss 简化了 P2P 的转账流程，并提供其他额外金融服务如贷款、小额保险和跨境支付等。
在韩国市场，Toss 并非一家独大，它的主要竞争对手是韩国聊天应用巨头 Kakao。近几年来，这家价值 70 亿美元的公司也在不断拓展业务领域，包括驾驶、内容和支付领域等。
Kakao 的背后有阿里巴巴的支持，去年2月，蚂蚁金服曾经砸下 2 亿美元投资 Kakao Pay，希望利用蚂蚁金服在数字金融领域的经验和技术打造韩国最好的移动金融服务平台。这项金融支付业务是嵌入在聊天应用 Kakao 中的，允许 P2P 的转账以及其他消费金融服务的对接，Kakao推出线上支付功能后立刻赢得众多用户喜爱，用户量增速飞快。
Viva Republica 公司的创始人 SG Lee 表示，他并不担心 Kakao，两家公司有不同的侧重点。在他看来，Kakao 创造了B2B的业务，而 Toss 的重心完全在消费者的体验上面。
The largest payment app in South Korea, Toss, has pulled in $40 million in fresh investment from Singapore sovereign wealth fund GIC and Sequoia China.
The deal for Viva Republica, Toss’s parent company, comes just over a year after it raised $48 million from payment giant PayPal and others. There’s no disclosed valuation for this newest round, but we do know that it is a ‘bridge’ intended to bring new investors in and help accelerate the business for a large raise further down the line. (It is also the first Korean investment for both GIC and Sequoia China.)
Not that the business seems to need much more impetus for acceleration, growth is already strong. Viva Republica says that Toss’s registered user base has doubled over the past year to each eight million consumers, while it claims the app is processing $1.4 billion in transaction volume per month. The company forecasts that its annual transaction run rate will surpass $18 billion.
Back in 2017 when we reported on the PayPal -backed round, founder and CEO SG Lee — a dentist until he saw the potential for a mobile payment service — told us that Toss had begun to introduce additional services beyond peer-to-peer payments. That’s included consumer financing products, like loans, micro-insurance and cross-border payments.
Toss doesn’t have Korea to itself, its main rival is Kakao, the country’s most popular messaging app. In recent times Kakao, a $7 billion company, had opened business units in a range of industries including ride-hailing, content and payment. Its Kakao Pay business is backed by Alibaba, and it plugs into Kakao the chat app to allow peer-to-peer transfers with other consumer finance services.
Lee, the Viva Republica CEO, previously said he doesn’t fear Kakao since in his mind it is creating a b2b business while Toss is focused wholly on the consumer experience. Now it has a couple more seasoned backers in its corner too, courtesy of this new investment.
Note: The original version of this article has been updated to correct that transaction volume is $1.4 billion, while Toss sees “a total trackable monthly transaction volume of about $10 billion.” That latter figure represents all transactions made from accounts linked to Toss, i.e. the total transaction volume possible if all Toss users routed their money via the service. That, paired with transaction volumes, shows Toss is around the 15 percent mark for covering all transactions from linked bank accounts on average.