Battery Road Digital

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.

IMAN is a Halal financial super app founded in 2019 and based in Tashkent, Uzbekistan. It aims to provide ethical investment and funding options that align with Islamic beliefs, catering to the financial needs of the 700 million young, digitally connected Muslims worldwide who often find traditional banking solutions inadequate. The platform offers a halal buy-now-pay-later (BNPL) solution through its PAY and MERCHANT applications, enabling retailers to increase sales while allowing consumers to make purchases and pay in halal monthly installments. These installment sales are financed by investors seeking attractive halal profits through the INVEST application. Additionally, IMAN specializes in Banking-as-a-Service (BaaS), providing a portable banking architecture that integrates its innovative products into existing bank frameworks. With a current focus on Uzbekistan, IMAN plans to expand into the MENAPT region, aspiring to become a leading Halal financial solution provider in MENA and Asia.