oy toy 玩具 [Card #20; 字卡第20張: 第2個單字, 字母組合發音 oy]

oy = /oi/

Some more examples(更多例字):soy, coy, decoy, boy, cowboy, buoy, Roy, joy, joyful, enjoy, overjoy, alloy, ploy, deploy, employ, Troy, destroy, corduroy, convoy, envoy, voyage, clairvoyance, ahoy, annoy, loyal, royal, royalty, foyer, oyster