Sapa Technologies

Sapa Technologies is an Almaty-based B2B fintech company, part of the Sapa group and an Astana Hub resident. It positions itself as a 100% proprietary Kazakhstan-developed solution. The core product line includes «Кредитный конвейер» (end-to-end lending automation from application to issuance and servicing, AI scoring, KYC with liveness and biometrics, e-sign/electronic document management, and GovTech integrations with state services) and «Кредитный брокер» — a single window for auto dealers that sends applications simultaneously to all connected banks and MFIs. The company also offers a loan portfolio accounting system, an independent decision engine, and BI analytics. According to the company, its products have processed and sold over 300 billion tenge in credit products, handled 800,000+ applications, and issued 53,000+ loans, with 300+ participants in its partner network. Public cases include an automated loan origination system and Kazakhstan's first digital mortgage for the MFI sector (according to the company) with BI Finance (BI Group holding), and a credit broker for the «Автомаркет» group. Geography: Kazakhstan. Team size: 11–50 people.