Sturgeon Capital

Zypl.ai leverages generative artificial intelligence to enhance financial inclusion in emerging and frontier markets. Its software-as-a-service (SaaS) solution allows banks and microfinance institutions to underwrite loans accurately and instantly, even for individuals with limited or no credit history. By utilizing synthetically generated data and simulating extreme market conditions, zypl.ai's approach ensures stability and adaptability in volatile environments. The platform assesses various factors, including social and demographic information, device metadata, psychometrics, and macroeconomic indicators, to inform credit decisions. Customized AI models align with the risk appetite of each enterprise partner, and integration options are flexible, accommodating both cloud and on-premise deployments. Zypl.ai prioritizes compliance with regulatory standards by employing explainable AI models that provide transparency in decision-making. Since launching its beta, the company has secured ten enterprise clients across Central Asia, underwriting over $9 million in loans with a remarkably low portfolio-at-risk rate. With plans to expand into new markets in MENA, Southeast Asia, and Eastern Europe, zypl.ai is positioned for significant growth in the fintech sector.

ZoodPay is a Buy Now Pay Later payment solution offering interest-free installments in the untapped countries of MENA & Central Asia.

zip24 is a software startup that provides an on-demand platform designed to enhance operational management for e-commerce businesses. The company's comprehensive offerings include cloud-based warehouse management, delivery management, and enterprise resource planning solutions. These services facilitate order forecasting, logistics transactions, and end-to-end delivery tracking. The Warehouse Management System (WMS) optimizes inventory processes, from receiving and storage to order picking and shipping, while also advising on replenishment needs. Additionally, zip24's Delivery Management System (DMS) supports the entire delivery process, featuring real-time tracking, driver applications, and cash-on-delivery processing. The platform integrates seamlessly with popular e-commerce storefronts, payment gateways, and third-party systems, catering to various business models, including retailers and third-party logistics providers. Founded by former Amazon employees in the Middle East and Central Asia, zip24 is headquartered in Dubai, UAE, with development and support operations in Tashkent, Uzbekistan, and Karachi, Pakistan, serving a global clientele.

OrientSwiss SA, based in Lausanne, Switzerland, operates an online marketplace that integrates business-to-business and business-to-consumer trading, focusing on e-commerce and inbound travel. Founded in 2015, the company is managed by a team of professionals skilled in e-commerce and fintech, aiming to provide high-quality services to both merchants and consumers in the rapidly growing mobile markets of the Middle East and Central Asia. OrientSwiss has developed a unique ecosystem that includes ZoodPay’s "Buy Now, Pay Later" service, the ZoodMall marketplace, and the logistics platform ZoodShip. This innovative framework enables merchants from various regions, such as the Middle East, Central Asia, China, Europe, Russia, and Turkey, to establish online storefronts and access new markets without incurring additional setup costs or fees, thereby enhancing their market reach and operational efficiency.