Toman's journey began in 2018 with its entry into the electronic payment sector. Our first step focused on micropayments, particularly taxi fare payments. In the very first year, we onboarded 40,000 merchants across four provinces and captured 90% of the mobile payment market based on QR codes. However, our path was not always smooth. Challenges became opportunities for Toman to showcase its creativity and flexibility. We overcame obstacles and adapted to users' evolving needs. Today, Toman is more than just a payment tool—it is a trusted financial partner that supports all financial needs of individuals and businesses. By ensuring security, stability, and transparency, we have earned the trust of our users. We continue to drive innovation and growth to create a simpler and more seamless online financial experience.