AmanatPay

AmanatPay is a fintech ecosystem for Central Asia, built end-to-end on Islamic finance principles. Instead of interest-bearing credit, financing runs on Murabaha and ijara structures: the platform acquires the goods and resells them at a fixed markup disclosed upfront, with no interest, no compounding and no penalty charges. The consumer app issues a personal financing limit through an AI-driven scoring engine that decides in real time on verified identity data, card inflow signals and a five-year repayment history from partner retail. The limit works both online and in physical partner stores, which remain the primary sales channel in the region. A separate merchant app gives partners payment acceptance, order management and analytics. On top of financing, the ecosystem runs a marketplace of partner goods and Sharia-compliant investment products, letting individuals and businesses place capital into the same asset-backed transactions the platform originates and share in the profit rather than earn interest.