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
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High income and safe investments
The labour migrants market is 200 million people, the volume is 5 trillion US dollars. Intrust helps to make money in this market.
Market at a glance
- labour migrants
- 200M
- annual market volume
- $5T
- contracts covered by the fund
- 100%
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What the platform carries for you
Intrust is the layer between a merchant who wants to sell more and an investor who wants the installment book. Both plug into the same platform, and the platform carries the paperwork.
Selling through Intrust
- Guaranteed sales growth
- Guaranteed income growth
- Guaranteed payment for goods sold in installments
- Guaranteed return on investment
Marketing
The platform brings the customer to the counter and keeps them coming back.
- Client acquisition
- Retention campaigns
- Storefront listing
Legal
Contracts, consents and disputes are drafted and defended by the platform.
- Contract templates
- Dispute handling
- Compliance
Accounting
Every installment schedule is reconciled without the merchant touching a ledger.
- Schedule reconciliation
- Payout records
- Tax paperwork
Financial accounting
Concluded deals, income received, cash-flow control and planning in one dashboard.
- Deal ledger
- Income tracking
- Cash-flow planning
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How it works
Six moves, three actors, no branch in the middle. Colour tells you whose move it is.
- Partner
- Client
- Platform
Register and get verified
Partners register online. After verification they can conclude installment deals or fund them. The partner deals with the client directly and sees their file.
Pay 20% and take the goods
The client pays the seller an initial payment of at least 20%. The balance is split into equal parts over up to six months.
The investor funds the deal
An investor finances the installment and deals with the buyer directly. Every payment from the buyer goes straight to the investor.
The platform takes its cut
Intrust charges a commission on the deal, and that commission is shared with the seller rather than kept whole.
The guarantee pays out
If the client stops paying, Intrust pays the partner the cost of the goods or the invested amount. The partner never carries the default.
Everything else is handled
Sales accounting, customer relations, marketing, raising investment and analytics all sit inside the partner dashboard.
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Business model
You join as a seller or as an investor. Two entrances, one platform between them — hover a card and it squares up to you.
Puts in: stock and a storefront
Salesman
Sells goods in installments at its own expense.
Gets
- Sales growth
- Income growth
- Payment guarantee
- Access to investment
- Free marketing, legal and accounting support
Puts in: capital
Investor
Finances client transactions and the trading activity of sellers.
Gets
- 100% return on investment guarantee
- Income growth
- Free legal and financial support
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Market
$5 trn
addressable across the three pools
Three pools of demand that traditional lending underserves, and one audience sitting in the middle of all three.
Who they are
- Without official confirmation of income or credit history
- Small and medium entrepreneurs
- Clients who avoid interest-bearing loans for religious reasons
- $0 trn
- BNPL in developed markets
- Estimated at 650 billion to 1 trillion US dollars.
- Bank of America estimate
- over $0.00 trn
- Islamic banking
- Assets that cannot carry interest by definition.
- Total value of Islamic finance assets
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Progress to date
Four years, one direction: start where the team already knew the borrower, then follow the remittance corridors outward. The bars count corridors reached, not years elapsed.
+6 markets · 6 of 30
Türkiye, the CIS and Mongolia
Live and operating
First corridors opened where the founding team already had the lending history — Kyrgyzstan, Kazakhstan, Uzbekistan, Russia, Türkiye — with Mongolia on the same contract-work flow.
+8 markets · 14 of 30
Europe
2 live · 6 testing
Norway and Bulgaria go live; France, Germany, the United Kingdom, Italy, Spain and Ukraine enter go-to-market testing.
+3 markets · 17 of 30
United States and the Gulf
1 office · 2 active
A representative in Ohio opens the largest remittance corridor on the map; the Emirates and Saudi Arabia follow the same migrant labour flows.
+13 markets · 30 of 30
Asia and Africa
On the roadmap
The remaining remittance corridors across Asia, Africa and the Americas join the roadmap — mapped and costed, none live yet.
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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.