toss-patterns

A powerful custom skill for Claude that applies Toss's 7 battle-tested success patterns to achieve market entry, differentiation, and scaling, learning from Korea's fintech unicorn (0 → 20M+ users).

What This Skill Does

This skill transforms Claude into a Toss pattern expert that:

• Validates pain points using Pain Point Score (Frequency × Intensity ≥ 20)
• Designs expansion paths with Trojan Horse strategy (3-stage: 0 → 1 → 2)
• Creates 10x improvements through extreme friction removal (90% reduction)
• Builds viral loops with clear metrics (Viral Coefficient K ≥ 1.0)
• Implements data-driven iteration through weekly experiments
• Plans ecosystem expansion with cross-selling strategies (30%+ conversion)
• Leverages regulatory changes as market opportunities

When Claude Will Use This Skill

Claude will automatically invoke this skill when you:

• Plan market entry or product launch strategy
• Need to differentiate from competitors (10x better, not 2x)
• Design multi-product expansion roadmaps (Trojan Horse)
• Build viral growth mechanisms
• Validate PMF through data-driven experiments
• Scale to multi-product ecosystems
• Navigate regulatory environments (especially fintech, healthcare)

File Structure

toss-patterns/
├── Skill.md          # Main skill definition (REQUIRED)
└── README.md         # This file

Note: REFERENCE.md includes Toss timeline (2013-2025) and detailed case studies

Installation

Option 1: Direct Use (Already in skills/)

If this skill is already in your skills/ folder, just ensure Claude Code's Skills feature is enabled.

Option 2: Export as ZIP for Other Projects

1. Create ZIP package:

   cd skills
   zip -r toss-patterns.zip toss-patterns/
   

2. Upload to Claude.ai or Claude Code:

   • Go to Settings > Capabilities > Skills
   • Upload toss-patterns.zip
   • Activate the skill

Option 3: Share with Others

Share the entire toss-patterns/ directory or the ZIP file. Others can:

• Copy to their skills/ directory, or
• Upload ZIP via Claude.ai/Claude Code settings

Quick Start Guide

Example 1: Market Entry with Patterns 1-3

You ask: "I'm entering the HR attendance market. How do I use Toss's approach?"

Claude will:

1. Invoke Toss Patterns skill
2. Apply Pattern 1 (Pain Point Score): Manual tracking = 40 (Frequency 5 × Intensity 8)
3. Apply Pattern 2 (Trojan Horse): GPS attendance → Payroll → Recruitment → HR platform
4. Apply Pattern 3 (10x Improvement): 60s, 8 clicks → 6s, 1 click (90% reduction via GPS auto-detect)
5. Deliver integrated entry strategy with metrics

Example 2: Viral Loop Design (Pattern 4)

You ask: "How do I create a referral mechanism for my SaaS product?"

Claude will:

1. Invoke Toss Patterns skill
2. Apply Pattern 4 (Product = Marketing)
3. Calculate current Viral Coefficient K (e.g., 0.15)
4. Design referral mechanism (in-product button, rewards, simplified flow)
5. Project K goal (1.0) and actions to achieve 7x improvement

Example 3: Industry Adaptation

You ask: "I'm in B2B SaaS. Do these fintech patterns apply?"

Claude will:

1. Invoke Toss Patterns skill
2. Identify essential patterns for B2B SaaS (1, 3, 5)
3. Adapt metrics (Viral Coef K=0.3 is good for B2B, not 1.0 like B2C)
4. Provide B2B-specific pattern checklists
5. Show industry-specific examples

The 7 Success Patterns

Pattern 1: Small Problem, Big Pain

Focus: Entry point via Pain Point Score ≥ 20 (Frequency × Intensity)

When to Apply: All stages (mandatory starting point)

Pattern 2: Trojan Horse

Focus: 3-stage expansion path (Entry → Horizontal → Vertical)

When to Apply: Entry → Scale (design from Day 1, not after launch)

Pattern 3: Friction Removal

Focus: 10x improvement through 90% reduction (eliminate, automate, predict)

When to Apply: All stages (differentiation driver)

Pattern 4: Product = Marketing

Focus: Viral loops with Viral Coefficient K ≥ 1.0

When to Apply: Growth stage

Pattern 5: Data-Driven

Focus: Weekly experiments with "If X, then Y" hypotheses

When to Apply: All stages (never stop experimenting)

Pattern 6: Ecosystem

Focus: Multi-product cross-selling (30%+ conversion, 2-3 products per user)

When to Apply: Scale stage (after achieving PMF in Stage 0)

Pattern 7: Regulation → Opportunity

Focus: Regulatory monitoring and proactive roadmap adjustments

When to Apply: Industry-specific (fintech, healthcare, education)

Key Features

• Pattern Combinations: For Entry (1+2+3), For Growth (4+5), For Scale (6+7)
• Industry Adaptations: Fintech, B2B SaaS, E-commerce, Healthcare, Education
• Pattern Checklists: Actionable checklists for each of 7 patterns
• Pro Tips: Start with 1+3 (mandatory), design Pattern 2 from Day 1, never stop Pattern 5
• Common Mistakes: Addressed with clear fixes (e.g., Pain Point 15 ≠ "close enough")

Testing Your Installation

After installing, try these prompts to verify the skill works:

1. Test Pattern 1: "Calculate Pain Point Score for manual expense tracking (3 times/week, 7/10 intensity)."

2. Test Patterns 1-3: "I'm entering the e-commerce logistics market. Apply Toss's entry patterns."

3. Test Pattern 4: "Design a viral loop for my productivity app."

4. Test Industry Adaptation: "Which Toss patterns work best for B2B SaaS?"

If Claude invokes the Toss Patterns skill and applies relevant patterns with metrics, the skill is working correctly.

Customization

You can customize this skill by editing Skill.md:

• Adjust thresholds: Change Pain Point Score minimum (default: 20)
• Add industry patterns: Include domain-specific adaptations (e.g., government, finance)
• Modify metrics: Adjust Viral Coefficient targets for your market (B2B vs. B2C)
• Add case studies: Include examples relevant to your industry

Troubleshooting

Claude doesn't invoke the skill:

• Check that the skill is activated in Settings > Capabilities
• Ensure your prompt involves market strategy or PMF planning
• Try being more explicit: "Apply Toss's success patterns to this problem"

Patterns seem too fintech-specific:

• Ask Claude to adapt for your industry: "How do these patterns apply to [your industry]?"
• Check Industry Adaptations table in Skill.md
• Adjust metrics (e.g., B2B SaaS K=0.3 is good, not 1.0)

Need more context on Toss:

• Ask Claude: "Tell me Toss's timeline from 2013-2025"
• Or check market-strategy/REFERENCE.md for detailed Toss case study

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For detailed case studies and examples, see REFERENCE.md and SKILL.md.