MONIX offers a digital Visa credit card in Uzbekistan with credit limits up to 50 million UZS, up to 62 days interest‑free repayment, and tiered cash‑back rewards of 1‑30 %. The app includes an AI assistant that tracks spending, calculates cash‑back, and sends payment reminders, while a referral program provides bonuses for new users.
Funding
Funding not disclosed
Founders
Product
Problem
Many consumers in Uzbekistan lack access to a credit card that offers a high credit limit, interest‑free repayment period, and meaningful cash‑back rewards, making it difficult to finance large purchases or manage cash flow without incurring high fees.
Solution
MONIX provides a digital Visa credit card with a credit limit of up to 50 million UZS that can be issued within minutes through the mobile app. Cardholders enjoy up to 62 days of interest‑free repayment, after which any remaining balance earns a 9 % annual return on amounts exceeding 100 000 UZS. Purchases generate cash‑back ranging from 1 % to 30 %, and a referral program rewards users with bonuses for inviting friends. The card is delivered free of charge, and an integrated “Robomushuk” assistant tracks expenses, calculates cash‑back, and sends payment reminders, enabling users to manage their finances autonomously.
Target Audience
Target users are individuals in Uzbekistan who need a high‑limit credit solution for personal expenses, travel, or large purchases, and who value cash‑back incentives and digital financial management tools.
Features
- Visa credit card with a configurable credit limit up to 50 million UZS
- Up to 62 days interest‑free repayment window, with no hidden fees
- Annual 9 % return on balances over 100 000 UZS
- Tiered cash‑back rewards of 1 %–30 % on everyday purchases
- Referral program that grants a 20 000 UZS bonus per invited friend
- Free physical card delivery and fully digital onboarding in ~5 minutes
- In‑app AI assistant (“Robomushuk”) that monitors spending, calculates cash‑back, and sends payment alerts
- Global Visa acceptance for online and offline transactions worldwide