15 FinTech startups in Central Asia to watch

The FinTech sector in Central Asia is developing at a rapid pace — from digital wallets and instant payment services to AI-based solutions. A new wave of technology companies is emerging in the region, changing the approach to finance, insurance, and lending.

Kazakhstan

Wooppay
A Kazakh FinTech company that provides solutions for online payments, including topping up and paying for more than 500 different services, as well as fee-free transfers between users.

Prosper Pay
The platform allows companies to efficiently distribute funds, while employees get fast and transparent access to their payouts via a mobile app.

Investbanq
A startup creating a platform for collective investment and access to venture capital for startups. It connects investors and entrepreneurs, simplifying the investment and portfolio management process.

Alaqan
Alaqan is a Kazakh startup that has developed technology for human recognition based on palm vein patterns. Alaqan's solutions are used in schools, business, and FinTech — for payments, access, and accounting without cards or phones.

Paidax
A FinTech platform with a license from the International Financial Center "Astana," offering investment, education, and knowledge exchange through a mobile app for residents and non-residents of Kazakhstan.

Shart Rate
An app for secure debt and transaction management, which combines online contracts, mediation agreements, and compliance with Sharia norms.

S1lkPay
S1lkPay is a startup offering solutions for money transfers and virtual card exchanges. The platform allows users to instantly transfer funds without the need for physical cash transfers, both domestically and internationally.

Biometric Vision
This is a Kazakh startup in the biometrics field, developing facial recognition and remote identification technologies. The company's solutions are used by banks, FinTech services, and government structures for fast and secure online client verification.

Finflow
An AI platform for cash flow management for small and medium-sized businesses: it helps automate payments, analyze turnovers, and manage liquidity in real time.

Uzbekistan

Click
Click is one of the leading FinTech players in Uzbekistan, a digital payment and services platform with a large user base.

Azma Finance
A platform providing businesses and individuals with access to alternative financing and investment tools. It uses data analytics to assess risks and select optimal financial solutions.

Payme
One of the largest payment services in Uzbekistan, offering instant transfers, bill payments, and online shopping. A key player in the national digital payments market.

MoliyAI
An AI platform for credit scoring without an official credit history, allowing banks and microfinance organizations to provide loans to unbanked clients faster and more safely.

IMAN Holding
An Islamic FinTech holding developing a zero-interest finance ecosystem.

FlexSoft
FlexSoft is a FinTech startup from Uzbekistan specializing in software development for non-bank credit organizations, pawnshops, and microfinance institutions.

Tajikistan

zypl.ai
An AI platform for credit scoring and risk assessment. It uses machine learning for more accurate analysis of client solvency, reducing default rates.