What is toshi?

Could you please elaborate on the term "toshi" in the context of cryptocurrency and finance? I've heard it mentioned in some discussions but am unclear about its specific meaning and function. Is it a new cryptocurrency? A wallet service? Or perhaps a trading platform? I'm interested in understanding its significance in the broader ecosystem and how it differs from other existing tools and platforms. Could you also discuss any potential risks or benefits associated with using "toshi" in financial transactions? Thank you for your insights.