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RUUZ-CUZ-LEN
core banking · Uzbekistan · ZRU-765 live

Launch your
MFO in 8 weeks.

A ready-to-run core banking platform. Islamic and conventional products, KYC + AML, Central Bank reporting — with no legacy lock-ups and no vendor lock-in.

Apply as an MFO Watch the 2-min demo
CBU registry #772, #773 Shariah Board SOC 2 type II mTLS + audit-chain
live · pricing engine
312 ms · p95
loan amount
50 М UZS
5М100М200М300М
term
monthly payment · annuity
rate 22.0% per year
UZS 2,593,908
disbursement in 24 mo → repaid
Launch this product in 8 weeks
operating within the legal framework
Central Bank of Uzbekistan (CBU) MFO Registry
ZRU-765 MFO · 2021
Shariah Board AAOIFI
Uzbekistan Cadastre JSC KYC tier ≥ 2
MAP (Uzbekistan) AML / CFT
products · core banking

One stack — seven products.

Launch a minimal portfolio in 4 weeks. Add the rest modularly — no migrations, no downtime.

islamic MURABAHA · v3.1 shariah ✓ Murabaha We buy the asset from the supplier and sell it to the customer in instalments with a fixed markup. Interest-free — settlement between all three parties happens as a single atomic event. up to 500M UZS· 36 months max· asset-backed
conventional
300М UZS Microloan for LE / sole proprietor per-tenant limit · CBU MFO Cash 100M UZS · individuals
conventional
 Factoring Purchase of receivables · recourse / non-recourse
conventional
 Leasing · Guarantees Financial and operating leasing + bank guarantees
regulatory limit
No deposits. MFOs in Uzbekistan are not deposit-taking institutions · ZRU-765
the ecosystem in numbers

Speed, transparency, and an
audit chain by default.

Measured across reference MFO launches in Uzbekistan, 2025–2026. We show the figures unrounded — every disbursement decision is reproducible in the audit chain.

Uzbekistan live Kazakhstan q3 2026 Kyrgyzstan 2027 Tajikistan 2027
weeks to disbursement
8
average across 4 launches
p95 latency
312 ms
pricing engine · prod
uptime SLA
99.97 %
audit-chain validation
locales
4
ru · uz-L · uz-C · en
implementation roadmap

What happens during those 8 weeks.

1
week 1–2

KYB · contract

Review of incorporation documents, signing of the PaaS agreement.

2
week 3–4

Configuration

Import the product catalogue, configure rates and Shariah rules. Onboard merchants.

3
week 5–6

Integrations

NB + Central Bank APIs, factoring and payment providers, cadastre for KYC tier 2.

4
week 7–8

Pilot · Production

Soft-launch with a limited portfolio, audit chain verified, ramp-up to full volume.

ready to launch?

8 weeks to your first disbursement in production.

Apply as an MFO or as a merchant partner. The tezfin team will reach out within 1 business day.

i'm with an mfo
Apply as an MFO 20 fields · 8-12 minutes · response within 3 business days
i'm with a retail business
Apply as a partner Customer financing at the point of sale · cross-tenant