core banking · Uzbekistan · ZRU-765 pilot

Launch your
MFO in 8 weeks.

A ready-to-run core banking platform. Islamic and conventional products, KYC + AML, Central Bank reporting — with no legacy lock-ups and no vendor lock-in.

Apply as an MFO See the products

SOC 2 — on the roadmap mTLS + audit-chain

example calculation

illustrative

loan amount

50 M UZS

5М100М200М300М

term

monthly payment · annuity

rate 22.0% per year

UZS 2,593,908

disbursement in 24 mo → repaid

Launch this product in 8 weeks

operating within the legal framework

Central Bank of Uzbekistan (CBU) MFO Registry

ZRU-765 MFO · 2021

products · core banking

One stack for the whole line-up.

Microcredit, cash loans and Murabaha are in the platform today. Factoring, leasing and guarantees are on the roadmap — they plug in as modules, with no migrations and no downtime.

islamic MURABAHA · v3.1 shariah ✓ Murabaha We buy the asset from the supplier and sell it to the customer in instalments with a fixed markup. Interest-free — settlement between all three parties happens as a single atomic event. up to 500M UZS· 36 months max· asset-backed

conventional

300М UZS Microloan for LE / sole proprietor per-MFO limit · CBU Cash 100M UZS · individuals

conventional

on the roadmap Factoring Purchase of receivables · recourse / non-recourse

conventional

on the roadmap Leasing · Guarantees Financial and operating leasing + bank guarantees

regulatory limit

No deposits. MFOs in Uzbekistan are not deposit-taking institutions · ZRU-765

the ecosystem in numbers

Speed, transparency, and an
audit chain by default.

The platform is at the pilot stage, so these are not production measurements but how it is built and what it aims for. Every disbursement decision is reproducible in the audit chain.

Uzbekistan pilot Kazakhstan on the roadmap Kyrgyzstan on the roadmap Tajikistan on the roadmap

weeks to disbursement

a launch target, not a measurement

instance per MFO

one MFO’s data never mixes with another’s

product lines

conventional and Islamic

locales

ru · uz-L · uz-C · en

implementation roadmap

What happens during those 8 weeks.

week 1–2

KYB · contract

Review of incorporation documents, signing of the PaaS agreement.
week 3–4

Configuration

Import the product catalogue, configure rates and Shariah rules. Onboard merchants.
week 5–6

Integrations

NB and Central Bank APIs, payment providers.
week 7–8

Pilot · Production

Soft-launch with a limited portfolio, audit chain verified, ramp-up to full volume.