Activation
Rent beta
Accounts
?
Country selection for Telegram
All countries
Top countries icon-sort-name
Quantity icon-sort-count
Price icon-sort-price
icon
Japan
few
Japan few 8.22 $
icon
USA
107904 qty
USA 107904 qty 0.57 $
icon
Colombia
few
Colombia few 0.31 $
icon
Mozambique
few
Mozambique few 0.20 $
icon
USA (2)
106582 qty
USA (2) 106582 qty 0.32 $
icon
Pakistan
few
Pakistan few 0.18 $
icon
Afghanistan
few
Afghanistan few 0.22 $
icon
Venezuela
few
Venezuela few 0.34 $
icon
Zimbabwe
few
Zimbabwe few 0.22 $
icon
Russia
few
Russia few 1.72 $
Phone numbers from Russia are not available for sale
icon
Kazakhstan
few
Kazakhstan few 0.58 $
Available only by API
icon
Hong Kong
4208 qty
Hong Kong 4208 qty 0.66 $
icon
Netherlands
few
Netherlands few 0.77 $
Available only by API
icon
Australia
few
Australia few 3.19 $
icon
Mexico
few
Mexico few 0.20 $
Available only by API
icon
France
13738 qty
France 13738 qty 0.38 $
Available only by API
icon
Canada
few
Canada few 0.31 $
icon
England
few
England few 1.21 $
icon
Indonesia
few
Indonesia few 0.20 $
icon
Vietnam
few
Vietnam few 0.27 $
icon
Romania
few
Romania few 1.06 $
icon
Ukraine
few
Ukraine few 0.48 $
icon
Germany
few
Germany few 2.03 $
icon
South Africa
270696 qty
South Africa 270696 qty 0.37 $
icon
Singapore
few
Singapore few 0.41 $
icon
India
few
India few 0.21 $
icon
Angola
38497 qty
Angola 38497 qty 0.22 $
icon
Bangladesh
6576 qty
Bangladesh 6576 qty 0.17 $
icon
Benin
1603 qty
Benin 1603 qty 0.16 $
icon
Central African Republic
2446 qty
Central African Republic 2446 qty 0.22 $
icon
Chile
2682 qty
Chile 2682 qty 0.47 $
icon
Egypt
5826 qty
Egypt 5826 qty 0.33 $
icon
Ethiopia
723 qty
Ethiopia 723 qty 0.27 $
icon
Ghana
7711 qty
Ghana 7711 qty 0.26 $
icon
Libya
11344 qty
Libya 11344 qty 0.25 $
icon
Lithuania
2135 qty
Lithuania 2135 qty 1.60 $
icon
Madagascar
2176 qty
Madagascar 2176 qty 0.41 $
icon
Nigeria
19373 qty
Nigeria 19373 qty 0.34 $
icon
Philippines
59700 qty
Philippines 59700 qty 0.28 $
icon
Spain
3713 qty
Spain 3713 qty 2.80 $
icon
Tajikistan
3876 qty
Tajikistan 3876 qty 0.41 $
icon
Albania
few
Albania few 0.27 $
icon
Algeria
few
Algeria few 0.22 $
icon
Anguilla
few
Anguilla few 0.25 $
icon
Antigua and Barbuda
few
Antigua and Barbuda few 0.41 $
icon
Argentina
few
Argentina few 0.31 $
icon
Armenia
few
Armenia few 0.35 $
Available only by API
icon
Aruba
few
Aruba few 0.16 $
icon
Austria
few
Austria few 1.43 $
icon
Azerbaijan
few
Azerbaijan few 0.38 $
icon
Bahamas
few
Bahamas few 0.17 $
icon
Bahrain
few
Bahrain few 0.27 $
icon
Barbados
few
Barbados few 0.35 $
icon
Belarus
few
Belarus few 0.77 $
icon
Belgium
few
Belgium few 0.28 $
icon
Belize
few
Belize few 0.27 $
icon
Bhutan
few
Bhutan few 0.31 $
icon
Bolivia
few
Bolivia few 0.21 $
icon
Bosnia and Herzegovina
few
Bosnia and Herzegovina few 0.44 $
icon
Botswana
few
Botswana few 0.27 $
icon
Brazil
few
Brazil few 0.41 $
icon
Brunei Darussalam
few
Brunei Darussalam few 0.26 $
icon
Bulgaria
few
Bulgaria few 0.41 $
icon
Burkina Faso
few
Burkina Faso few 0.25 $
icon
Burundi
few
Burundi few 0.27 $
icon
Cambodia
few
Cambodia few 0.31 $
icon
Cameroon
few
Cameroon few 0.17 $
icon
Cape Verde
few
Cape Verde few 0.25 $
icon
Cayman islands
few
Cayman islands few 0.41 $
icon
Chad
few
Chad few 0.27 $
icon
Comoros
few
Comoros few 0.27 $
icon
Costa Rica
few
Costa Rica few 0.29 $
icon
Croatia
few
Croatia few 1.02 $
icon
Cyprus
few
Cyprus few 0.43 $
icon
Czech Republic
few
Czech Republic few 2.03 $
icon
DR Congo
few
DR Congo few 0.24 $
icon
Denmark
few
Denmark few 2.71 $
icon
Djibouti
few
Djibouti few 0.36 $
icon
Dominica
few
Dominica few 0.22 $
icon
Dominican Republic
few
Dominican Republic few 0.20 $
icon
Ecuador
few
Ecuador few 0.27 $
icon
Equatorial Guinea
few
Equatorial Guinea few 0.25 $
icon
Eritrea
few
Eritrea few 0.25 $
icon
Estonia
few
Estonia few 2.61 $
icon
Finland
few
Finland few 1.79 $
icon
French Guiana
few
French Guiana few 0.27 $
icon
Gabon
few
Gabon few 0.25 $
icon
Gambia
few
Gambia few 0.31 $
icon
Georgia
few
Georgia few 0.41 $
icon
Gibraltar
few
Gibraltar few 9.67 $
icon
Greece
few
Greece few 0.45 $
icon
Grenada
few
Grenada few 0.18 $
icon
Guadeloupe
few
Guadeloupe few 0.41 $
icon
Guatemala
few
Guatemala few 0.35 $
icon
Guinea
few
Guinea few 0.31 $
icon
Guinea-Bissau
few
Guinea-Bissau few 0.31 $
icon
Guyana
few
Guyana few 0.20 $
icon
Haiti
few
Haiti few 0.29 $
icon
Honduras
few
Honduras few 0.25 $
icon
Hungary
few
Hungary few 0.35 $
icon
Iceland
few
Iceland few 0.23 $
icon
Iran
few
Iran few 0.17 $
icon
Iraq
few
Iraq few 0.39 $
icon
Ireland
few
Ireland few 0.70 $
icon
Israel
few
Israel few 0.87 $
icon
Italy
few
Italy few 1.78 $
icon
Ivory Coast
few
Ivory Coast few 0.34 $
icon
Jamaica
few
Jamaica few 0.29 $
icon
Jordan
few
Jordan few 0.27 $
icon
Kenya
few
Kenya few 0.17 $
icon
Kuwait
few
Kuwait few 0.22 $
icon
Kyrgyzstan
few
Kyrgyzstan few 0.41 $
icon
Lao People`s
few
Lao People`s few 0.37 $
icon
Latvia
few
Latvia few 0.97 $
icon
Lebanon
few
Lebanon few 0.35 $
icon
Lesotho
few
Lesotho few 0.31 $
icon
Liberia
few
Liberia few 0.20 $
icon
Liechtenstein
few
Liechtenstein few 0.20 $
icon
Luxembourg
few
Luxembourg few 0.45 $
icon
Macao
few
Macao few 0.48 $
icon
Malawi
few
Malawi few 0.20 $
icon
Malaysia
few
Malaysia few 0.38 $
icon
Maldives
few
Maldives few 0.20 $
icon
Mali
few
Mali few 0.24 $
icon
Mauritania
few
Mauritania few 0.33 $
icon
Mauritius
few
Mauritius few 0.36 $
icon
Moldova
few
Moldova few 0.35 $
icon
Monaco
few
Monaco few 0.67 $
icon
Mongolia
few
Mongolia few 0.25 $
icon
Montenegro
few
Montenegro few 0.27 $
icon
Montserrat
few
Montserrat few 0.25 $
icon
Morocco
few
Morocco few 0.20 $
icon
Myanmar
few
Myanmar few 0.25 $
icon
Nambia
few
Nambia few 0.26 $
icon
Nepal
few
Nepal few 0.20 $
icon
New Caledonia
few
New Caledonia few 0.21 $
icon
New Zealand
few
New Zealand few 3.58 $
icon
Nicaragua
few
Nicaragua few 0.18 $
icon
Niger
few
Niger few 0.20 $
icon
North Macedonia
few
North Macedonia few 0.27 $
icon
Norway
few
Norway few 0.47 $
icon
Oman
few
Oman few 0.22 $
icon
Panama
few
Panama few 0.35 $
icon
Papua new gvineya
few
Papua new gvineya few 0.27 $
icon
Paraguay
few
Paraguay few 0.20 $
icon
Peru
few
Peru few 0.48 $
icon
Poland
few
Poland few 1.62 $
icon
Portugal
few
Portugal few 0.58 $
icon
Puerto Rico
few
Puerto Rico few 0.22 $
icon
Qatar
few
Qatar few 0.27 $
icon
Republic of the Congo
few
Republic of the Congo few 0.22 $
icon
Reunion
few
Reunion few 0.25 $
icon
Rwanda
few
Rwanda few 0.20 $
icon
Saint Kitts and Nevis
few
Saint Kitts and Nevis few 0.27 $
icon
Saint Lucia
few
Saint Lucia few 0.25 $
icon
Saint Vincent
few
Saint Vincent few 0.35 $
icon
Salvador
few
Salvador few 0.22 $
icon
Samoa
few
Samoa few 0.20 $
icon
Sao Tome and Principe
few
Sao Tome and Principe few 0.41 $
icon
Saudi Arabia
few
Saudi Arabia few 0.45 $
icon
Senegal
few
Senegal few 0.26 $
icon
Serbia
few
Serbia few 0.44 $
icon
Seychelles
few
Seychelles few 0.25 $
icon
Sierra Leone
few
Sierra Leone few 0.39 $
icon
Sint Maarten
few
Sint Maarten few 0.20 $
icon
Slovakia
few
Slovakia few 0.58 $
icon
Slovenia
few
Slovenia few 0.59 $
icon
Somalia
few
Somalia few 0.39 $
icon
South Korea
few
South Korea few 0.20 $
Available only by API
icon
South Sudan
few
South Sudan few 0.25 $
icon
Sri Lanka
few
Sri Lanka few 0.25 $
icon
Suriname
few
Suriname few 0.30 $
icon
Swaziland
few
Swaziland few 0.20 $
icon
Sweden
few
Sweden few 1.11 $
icon
Switzerland
few
Switzerland few 0.77 $
icon
Syria
few
Syria few 0.28 $
icon
Taiwan
few
Taiwan few 0.36 $
icon
Tanzania
few
Tanzania few 0.26 $
icon
Thailand
few
Thailand few 0.37 $
icon
Timor-Leste
few
Timor-Leste few 0.25 $
icon
Togo
few
Togo few 0.17 $
icon
Tonga
few
Tonga few 0.20 $
icon
Trinidad and Tobago
few
Trinidad and Tobago few 0.25 $
icon
Tunisia
few
Tunisia few 0.22 $
icon
Turkey
few
Turkey few 0.34 $
icon
Turkmenistan
few
Turkmenistan few 0.20 $
Available only by API
icon
Uganda
few
Uganda few 0.16 $
icon
United Arab Emirates
few
United Arab Emirates few 0.44 $
icon
Uruguay
few
Uruguay few 0.27 $
icon
Uzbekistan
few
Uzbekistan few 0.31 $
icon
Yemen
few
Yemen few 0.40 $
icon
Zambia
few
Zambia few 0.20 $
blog-img

Kaspi KZ - Unstoppable Kazakh "Unicorn"

08-25-2023

It is convenient when within one ecosystem you can solve all your problems. It is likely that this is what the founder of Kaspi, Vyacheslav Kim, thought when he embarked on the extensive transformation of the small bank "Kaspisky" with his partner and like-minded individual, Mikhail Lomtadze. As a result, they managed to create a technological "unicorn" (a startup valued at $1 billion USD), which became one of the fastest-growing IT businesses in Europe and Asia, a leading financial player in the Kazakh market, and a powerful transformer of Kazakhstan's digital industry.

Kaspi Ecosystem

The official Kaspi website positions this service as a SuperApp - a single application with a diverse set of functions. Specifically:

  1. Payment solutions. In the Kaspi Pay personal account, there are 14 types of services available: transfers via phone numbers and between cards, payment through QR codes, and more. In the second quarter of 2021, the revenue from payments increased by 92% to $480 million, and the profit increased by 121%, reaching $280 million.
  2. Kaspi KZ store. The largest marketplace in Kazakhstan. The number of sellers on the platform increased by 130% to 60,000 in 2021, and the number of customers is 3.7 million. It is projected that the net profit from the marketplace this year could reach $216 million, a 267% increase.
  3. Kaspi Bank. The company provides consumer lending services. The total value of this division increased by 456% to $2.3 billion in the second quarter of 2021, with revenue of $1.2 billion and a profit of $440 million.
  4. Other services. Kaspi.kz also operates in the fields of tourism, delivery, and providing government services:
  • In August 2020, the company launched Kaspi Travel - an online booking and ticket sales service, as well as hotel reservations.
  • To carry out product delivery, including goods from their own marketplace, the company collaborates with 20 logistics firms.
  • The company's applications allow for receiving pensions, paying fines, taxes, and registering vehicles. The number of people using government services increased to 3.4 million monthly - a 390% increase compared to 2020.

Kaspi Pay: Service No. 1

Payments are the first and one of the key services of the company Kaspi. These services are divided into "mobile payments" and "bill payments." In total, 14 types of services are offered: transfers through phone numbers and between cards, payment via QR code, purchase of tickets, and contributions to charitable funds.

By creating its own payment gateway, Kaspi Pay, like Amazon, has avoided potential costs for integrating third-party solutions and can charge fees for using its own, according to the publication.

Thanks to the development of a variety of services, Kaspi KZ Pay has been able to attract both consumers and sellers. An example of this is the POS terminal market. In June 2020, the company served only 17,000 points, and its market share in Kazakhstan was 9%. However, these indicators subsequently increased to 180,000 and 51%, respectively.

At the same time, the company only generates revenue from a quarter of the payment volume. According to some experts, this indicates that Kaspi places more importance on creating services than just making revenue from them.

Kaspi Shop: Kazakhstan's largest marketplace

The overall sales statistics of the service include not only purchases in Kaspi Shop but also the purchases that customers make in physical stores through the application.

The company's marketplace has long been the largest in Kazakhstan and continues to grow. In the past year, the number of active sellers on the platform increased by 130%, reaching nearly 60,000. The number of active customers has reached 3.7 million.

Sellers mostly offer a variety of products, including smartphones and other electronic devices. However, during the pandemic, there has also been an increase in sales of home and garden products, as well as automotive accessories.

According to experts' estimates, the total revenue for Kaspi Sellers could reach $320 million, and net profit could increase to $216 million, an increase of 267%.

Kaspi Bank: Innovator in consumer lending

The essence of Kaspi Bank's approach lies in its speed and individual adaptation. The company provides funds to borrowers within five minutes and evaluates each loan application individually: some borrowers are offered long-term loans at a lower interest rate, while others are offered short-term loans.

This approach has allowed the company to maintain its market leadership for a long time, but currently, similar methods are being used by an increasing number of banks.

In the future, the company may increase the volume of commercial loans and auto loans, as both directions can become important for Kaspi KZ Bank.

The entire volume of the organization's total financial value consists of:

  • consumer loans, 39%;
  • BNPL loans (buy now, pay later);
  • 10% - auto loans;
  • 7% - microloans for entrepreneurs.

Kaspi Travel, delivery, government services

In the late 2010s, Kaspi showed interest in the delivery, tourism, and government services sectors. And it plays a significant role in the latter: the company provides a coronavirus card, registers PCR test results, provides access to pensions, fine payments, and vehicle registration.

Every month, 3.4 million active clients of Kaspi kz Pay use government services.

And the delivery service for products available on the Kaspi marketplace is even more popular among Kazakhs because:

  • the company collaborates with 20 logistics companies;
  • owns four warehouses for product sorting;
  • provides free delivery in 98% of cases;
  • 54% of orders are delivered in less than two days;
  • Kaspi's logistics infrastructure includes 1000 couriers, 4500 merchants, 4 sorting warehouses, 14 delivery points, and 11 transport companies.

In August 2020, Kaspi Travel began operating in the tourism sector. It all started with the acquisition of the online booking and ticket sales service Santufei. The platform was launched in December 2021 and within just six months of existence, it gained a 26% market share, selling 505,000 airline tickets in three months and 55,000 train tickets within the first three weeks.

This product significantly increased the average check of one customer since users not only purchase transportation tickets but also book hotels and buy related products through the Kaspi service. This is how the super app works: it brings together various services and provides the user with access to them from one place.

By the way, among other SuperApps, Kaspi KZ did not get lost and took third place right after the Chinese WeChat. And it is ahead of Amazon, "Tinkoff," and PayPal!

Kaspi Business: further growth

To ensure further growth, Kaspi plans to add new features, drawing on the experience of other services such as Tencent and Alibaba. These services provide users with the ability to stream music, games, taxi aggregators, and product delivery. In this aspect, for example, Kaspi Travel can play a role in collaborating with taxi aggregators and delivery services.

In the Kazakhstani delivery and transportation markets, the company "Yandex" previously dominated. However, after 2021 and the blocking of the Russian service for Kaspi kz business, new opportunities are opening up. Although it is likely to face competition from "Sitimobil" and DiDi Chuxing.

Given the overall financial focus of the service, Kaspi KZ plans to focus on developing its financial products. For example, the service may offer new investment tools to this segment, such as the opportunity to purchase stocks.

Add a comment
Comments 0