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
Track record
- first corridor opened
- 2022
- files behind the score
- 8 000
- corridors on the map
- 30
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About us
- 0
- Files the model was tested on
- 0%
- Positive forecast accuracy
- 0 yrs
- Repayment history behind it
Why we exist
Our mission
A model of access to economic resources built on traditional banking principles is hopelessly outdated. Billions of people are shut out of the tools that would let them improve their lives — not because they cannot pay, but because they cannot prove it in the format a bank accepts. We exist to close that gap with affordable financial and debt instruments.
- Access without a credit bureau
- Affordable debt instruments
- Dignity instead of paperwork
Who builds it
Our team
We understand the pain of our clients because we live next to it. The team has shipped microfinance, e-commerce, acquiring and product work across the same corridors the platform now serves — and every one of us has had a payment declined for a reason that had nothing to do with the money.
- Microfinance and lending
- E-commerce and acquiring
- Product and platform engineering
What we built
Our product
A scoring model that reads socio-demographic, behavioural and technical signals instead of documents. It needs no proof of income, no proof of residence and no physical presence — the entire experience is online. It is cheaper and simpler than what competitors run, and it returns a positive forecast with 97 percent accuracy.
- Tested on 8 000 client files
- Across four countries
- On loans, goods and services
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The people behind it
A lending team, not a startup crew: underwriting, risk and payments built by people who had run all three before.
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
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Restored and maintained by
VGM-Union
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Contact us
Tell us what you sell and where, and we come back with the installment terms your customers would actually see.