Battery Road Digital

zypl.ai is a technology company that specializes in applying artificial intelligence to enhance financial inclusion in emerging and frontier markets. Its software-as-a-service (SaaS) solution enables banks and microfinance institutions to underwrite loans swiftly and accurately for individuals with limited or no credit history. By utilizing synthetically generated data and simulating extreme market conditions, zypl.ai's AI models assess a wide range of variables, including social and demographic factors, as well as device metadata and psychometrics, to inform credit decisions. The company customizes its AI solutions to align with the risk appetite of each enterprise partner and offers flexible deployment options, either in the cloud or on-premise. zypl.ai emphasizes transparency by using explainable AI models that provide clear interpretations of decision-making processes. Since launching its beta version, zypl.ai has successfully underwritten over $9 million in loans while maintaining a low portfolio-at-risk rate. With plans for global expansion into new markets, the company is also exploring applications in other sectors, including telecommunications.

IMAN is a Halal financial super app based in Tashkent, Uzbekistan, established in 2019. The company focuses on providing ethical investment and funding solutions that align with Islamic beliefs, catering to the needs of over 700 million digitally connected Muslims worldwide who often find traditional banking products unsuitable. IMAN specializes in Banking-as-a-Service, offering a portable banking architecture that allows for seamless integration of its innovative offerings into existing bank infrastructures. This strategy fosters collaboration within the financial industry and enhances user adoption. The company's services include a halal Buy Now Pay Later (BNPL) solution for retailers, facilitated through its PAY and MERCHANT applications, enabling consumers to make purchases and pay in halal-compliant monthly installments. Additionally, investors can generate halal profits through the company's INVEST application, creating a mutually beneficial ecosystem. IMAN is currently focused on the Uzbekistan market, with plans for expansion into the MENAPT region and a vision to serve as a Halal alternative to financial services in MENA and Asia.