FinCloud.KZ is a cloud—based platform for individual entrepreneurs, the self-employed, and micro businesses that automates financial accounting, provides transparent analytics, and provides access to AI-based credit scoring.

The project solves one of the key problems of SMEs in Kazakhstan — the lack of a simple and affordable financial management tool without the need for an accountant.

The problem we are solving

Today, more than 1.6 million sole proprietors and microbusinesses in Kazakhstan conduct finances manually — in Excel, instant messengers, or not at all.

This leads to:

• Reporting errors and fines
• Problems with lending and investments
• Lack of understanding of their financial stability

, Solution: FinCloud.KZ

The platform works as a “financial assistant”:

• Accounting of income and expenses (cash register, terminals, Kaspi, Halyk, Forte)
• 🧾 Automatic reporting — ready-made declaration forms, accounting book
• Financial Analytics — dashboard with cash flow, trends, balances
• ML — based credit scoring - forecast of sustainability and affordable loans
• , Integration via API banks, marketplaces, CRM

, Target audience

• Sole proprietors and the self-employed (more than 60% of the labor market outside large companies)
• Microbusiness service: salons, couriers, car repair shops, cafes
• Online sellers and freelancers working at Kaspi and Telegram

, The uniqueness of the project

• It is maximally localized: the interface is in Kazakh, Russian and English
• Complete no-bureaucracy UX: without complicated terminology, everything is in the language of business
• The AI module for scoring is trained on impersonal transactions
• Connecting payment systems and tax reporting in one window
• With a focus on mobile usage (PWA)

, Stage of development

• MVP in development: web interface, integration with Kaspi QR and Halyk
• The ML module is ready for the 1st version: scoring for cash flow + stability
• The financial model is built on: freemium + paid plans + revenue from API and scoring-as-a-service

, The next steps

1. , Closed beta for 100+ sole proprietors (via Telegram and business communities)
2. , Public launch with user cases
3. Partnership with microfinance organizations and fintech companies
4. , Scaling to Uzbekistan, Kyrgyzstan

Why Astana Hub?

We want to be part of a community that:

• Moves real local solutions, rather than copying Western ones
• Combines technology and applied benefits
• Builds products that can go beyond the borders of the country

We are looking for:

• A platform for the pilot and scaling
• Access to AI expertise and fintech partners
• The ability to accelerate and export.