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INTRUST

INTRUST

Trust — foundation of development

Platform for purchasing goods in installments without bank loans, proof of income and credit history

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Platform status

corridors mapped
30
countries live today
4
banks inside the deal
0

INTRUST

Problem

A model of access to economic resources based on traditional banking principles is hopelessly outdated. Billions of people around the world are deprived of opportunities to improve their quality of life and to develop their potential.

ApplicationScore 00.00

  • Credit historyNo file to read
  • Proof of incomePaid in cash
  • Local residencyPermit expires
  • CollateralNothing to pledge

Declined

The target group

  • External, internal migrant workers

    Employed, paid, and still invisible to the scoring model.

  • Migrants without formal income and credit history

    No file to score, therefore no offer at all.

  • Small and medium-sized entrepreneurs

    Revenue today, collateral demanded for yesterday.

  • Clients who do not want to use credits for religious reasons

    Interest is not an option, ownership still is.

INTRUST

Guarantee and scoring system

Intrust underwrites people the bureau has never seen. Five years of repayment history turned into a socio-behavioural model that reads the signals a payslip cannot.

  • Socio-demographic34%Age, household, trade, how long they have worked the corridor.
  • Behavioural28%Repayment rhythm, top-up habits, how a person reacts to a missed date.
  • Technological23%Device and session signals collected with consent inside the app.
  • Official documents15%Identity and permit checks — the only part a bank would recognise.

0%

Positive solvency forecast accuracy

Measured on 8 000 files across four countries, on cash loans, goods and services.

Guarantee fund

If a client stops paying, the partner is still paid. The Guarantee Fund covers the contract in full — funded by cash reserves, platform income and own capital.

INTRUST

What the merchant gets

A bank sells the customer a loan and keeps the interest. Intrust sells the merchant a bigger basket and leaves the margin inside the deal.

  • +38%

    Average basket on installment deals

    Sales growth

    Installments turn a browsing customer into a paying one. The basket stops being limited by what is in the wallet today.

  • 0

    Share taken by a bank

    Income stays with the seller

    The installment margin is not handed to a bank. It stays inside the deal, split between the platform and the merchant.

  • 100%

    Cover on concluded contracts

    Payment guaranteed

    Goods sold in installments are paid for by the Guarantee Fund even when the client defaults.

  • 3

    Functions handled for the partner

    Back office included

    Marketing, legal and accounting support come with the platform, not as a separate invoice.

INTRUST

User experience

The whole relationship happens on a phone. Six minutes from opening the app to a signed contract — no branch, no paperwork, no proof of anything a migrant worker cannot produce.

  1. Install and register

    A phone number and an SMS code. No branch, no queue, no appointment.

  2. Prove who you are

    Passport or ID photographed from both sides, plus a selfie holding it.

  3. Get scored

    The model answers while the client waits. No proof of income, no proof of address.

  4. Sign with a QR

    A simple electronic signature closes the contract. The seller sees it immediately.

  • No proof of income
  • No proof of residence
  • No credit history required
  • No branch visit
  • No guarantor
  • No interest for religious clients

0 min

from install to signature

Put it in front of your customers

INTRUST

How we are different

The same five questions a merchant asks before choosing who finances the basket — answered side by side. Three bars mean the best answer in the row.

Intrust compared with banks, buy-now-pay-later services and marketplaces
CriterionIntrustBanksBNPLMarkets
Requirements for customersHow much paperwork stands between a buyer and the goodsMinimumHighHighHigh
AssortmentWhat the buyer is actually allowed to financeWideWideMiddleMiddle
Income of sellersWhat the merchant takes home from the same basketHighMiddleMiddleMiddle
MarginWhere the installment premium ends upHighMiddleMiddleMiddle
TermHow long the money stays tied up in one contractMiddleLongMiddleLong

0rows out of 5 where nobody answers better than Intrust.

INTRUST

How to find us

Thirty corridors, four of them with a desk on the ground. Every point is a market where migrant workers earn in one currency and support a household in another — which is exactly the gap installments close.

  • Representative office4
  • Active market7
  • Go-to-market testing6
  • On the roadmap13
World map with the countries where Intrust operates

0
Markets mapped
0 m
Labour migrants worldwide
$0 trn
Money the corridor moves

INTRUST

The people behind it

A lending team, not a startup crew: underwriting, risk and payments built by people who had run all three before.

  • Damir AitmatovCEO

    Founder · strategy and development

    Built and scaled foodtech, fintech and a P2P crowdfunding platform for labour migrants. Runs the partner network across the CIS and Türkiye.

    • 12 years in lending
    • 4 markets opened

  • Elmira SadykovaCRO

    Risk and scoring

    Owns the scoring model and the guarantee fund policy. Turned five years of repayment history into the socio-behavioural score the platform underwrites with.

    • 8 000 files scored
    • 97% forecast accuracy

  • Kaan YildirimCTO

    Engineering and product

    Leads the acquiring stack and the partner dashboard. Previously shipped payment transaction systems for e-commerce and healthtech.

    • Acquiring and payouts
    • Partner API
9:41

INTRUST

Restored and maintained by

VGM-Union

INTRUST

Contact us

Tell us what you sell and where, and we come back with the installment terms your customers would actually see.