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, cowboy, boy, boycott, buoy, Roy, joy, joyful, enjoy, overjoy, alloy, cloy, ploy, deploy, employ, Troy, destroy, corduroy, convoy, envoy, voyage, clairvoyance, ahoy, annoy, loyal, royal, royalty, foyer, oyster