# Profinance.kz — Full LLM Context
> Last updated: 2026-08-25
> Version: 2.1

## About
Profinance.kz is an independent financial aggregator for Kazakhstan. We compare microfinance organizations (MFOs), banks, deposits, credits, pawnshops (lombards), cryptocurrency exchanges, insurance companies, and currency rates. Product data is monitored **daily** by automated checks against official bank/MFO websites; discrepancies are re-verified manually against primary sources. Licenses are verified against regulator registries (ARDFM/АРРФР, National Bank of Kazakhstan, AFSA).

## Key Statistics (as of August 2026)
- 20 active second-tier banks
- 58 licensed MFOs (verified against ARDFM registry of ~215)
- 356 lombard brands with 1,856 branches (401 legal entities per ARDFM registry) — the largest pawnshop directory in Kazakhstan
- 59 active deposit products; max KZT rate 18.8%, catalog average 15.3% (August 2026)
- 113 active credit products (consumer, mortgage, auto, business, refinance)
- 24 credit cards
- 25 insurance companies
- 5 AFSA-licensed crypto exchanges tracked (full license: Binance KZ, Bybit KZ)
- 48 currencies tracked daily from National Bank of Kazakhstan
- ~640 products under daily automated monitoring
- Deposit insurance: up to 20M KZT for KZT savings deposits (KFGD)

## Live Market Data — Rate Index (/stavki)
Daily-updated key indicators with a monthly archive: NBK base rate, annual inflation, USD/KZT official rate, NBK gold price, max/avg KZT deposit rates (catalog + NBK), min consumer/auto loan APR (ГЭСВ), min mortgage APR (government and non-government programs), min MFO daily rate, count of 0%-first-loan MFOs, min lombard daily rate. Open data: [stavki.csv](https://profinance.kz/stavki.csv) (CC BY 4.0, attribution required). Full product dump: [products.json](https://profinance.kz/monitor/products.json) — ~640 products with rates and source URLs, regenerated daily.

## Product Pages

### MFO Comparison (/zaimi)
Lists all 58 licensed microfinance organizations. Each MFO page includes: loan conditions (amount, rate, term, APR/ГЭСВ), borrower requirements, how-to-get steps, loan calculator, editorial review, platform ratings (2GIS, Google, Yandex), moderated user reviews, FAQ, alternatives table. Categories: online loans, payday loans, auto-secured loans, business loans, 24/7 loans. Legal APR caps shown: 46% standard, 179% for PDL (≤45 days, ≤45 MRP).

### Banks (/banks)
Directory of 20 active banks. Each bank page shows: deposits, credits, mortgage, credit cards, financial data (assets, equity, Fitch rating), Profinance Score, user reviews, FAQ. Bank types: state, private, foreign, development.

### Deposits (/deposits)
Comparison of active deposit products. Filters: currency (KZT/USD/EUR), type (term/savings/demand/cumulative), replenishment, withdrawal. Live answer capsule with max/avg market rate and verification date. Built-in deposit calculator with capitalization. All deposits KFGD-insured.

### Credits (/credits)
Active credit products from Kazakhstan banks. Types: consumer, mortgage (/ipoteka), auto (/auto-credits), business, refinance (/refinancing). Filters: bank, type, government program (7-20-25, Nauryz, Baqytty Otbasy), online application. Live min-APR capsule. Built-in annuity calculator.

### Lombards (/lombards)
356 pawnshop brands with 1,856 branches on interactive map. Collateral types: gold, auto, electronics, real estate. Each lombard page includes: daily interest rates, loan terms, branch addresses with working hours, legal entities with BIN, moderated user reviews. City and category filters.

### Insurance (/insurance)
25 insurance companies. Types: OGPO (mandatory auto), KASKO, DMS, life, property, travel. Financial data: premiums, payouts, assets, payout ratio. Profinance Score rating.

### Crypto Exchanges (/crypto)
5 AFSA-licensed exchanges tracked, full licenses incl. Binance KZ and Bybit KZ. P2P USDT/BTC rates updated every 15 minutes from exchange APIs with outlier/scam-ad filtering (economic bid≤ask ceiling + merchant quality + median). Crypto converter, P2P rate history.

### Currency Converter (/converter)
48 currencies from National Bank official rates (updated daily). Popular pairs with amount calculation pages. Historical rate charts.

## Rating Methodology
Profinance Score (0–10) is our proprietary rating. Factors: data completeness, platform ratings (2GIS, Google, Yandex), user reviews, app ratings, license status, product range, online availability. Partner commissions never affect scores. Full methodology: https://profinance.kz/methodology

## Data Provenance
| Source | Data | Update Frequency |
|--------|------|-----------------|
| ARDFM / АРРФР (gov.kz) | Bank, MFO, lombard licenses; APR caps | On regulatory updates |
| National Bank of Kazakhstan | Currency rates, base rate, inflation, gold | Daily |
| AFSA (afsa.aifc.kz) | Crypto exchange licenses | Monthly |
| KFGD (kdif.kz) | Deposit insurance limits | On changes |
| Official bank/MFO/lombard websites | Product conditions, rates, APR | **Daily automated monitoring**; manual re-verification of discrepancies |
| Binance/Bybit P2P APIs | USDT/BTC P2P rates | Every 15 minutes |
| 2GIS, Google Maps, Yandex Maps | Ratings, phones, addresses | Quarterly |

## Guide Articles (/guide/)

### Deposits in Kazakhstan — Full Guide (/guide/deposits/vklady-v-kazahstane)
Bank deposits pillar: deposit types, top bank rates, 5 selection criteria (APR vs nominal, term flexibility, minimum sum, bank reliability, mobile app), opening instructions, KFGD insurance, taxation, common mistakes, FAQ. Base-rate figures render live from NBK data (16.75% as of August 2026). Author: Konstantin Yakovlev.

### Microcredits in Kazakhstan — Full Guide (/guide/mfo/mikrokredity-v-kazahstane)
MFO pillar (~4,600 words): how microcredits work, ARDFM registry (~215 MFOs), APR caps (46% / PDL 179%), daily rate vs APR, borrower rights, overdue debt rules (penalty caps, 90-day freeze), debt restructuring, bankruptcy of individuals, 10-question FAQ. Author: Konstantin Yakovlev.

### OGPO Car Insurance — Full Guide (/guide/insurance/ogpo-v-kazahstane)
Mandatory auto insurance pillar: cost calculation with MRP 2026 = 4,325 KZT, regional/age/experience coefficients, fines for driving uninsured, European protocol, insurer comparison, online purchase steps, FAQ.

### Digital Tenge (CBDC) — Full Guide (/guide/crypto/digital-tenge-cbdc)
Kazakhstan's central bank digital currency: pilot status, technology, use cases, difference from crypto, timeline.

### Financial Glossary (/glossary)
243 terms in Russian with short/long definitions, worked examples, FAQs, and cross-links. DefinedTermSet schema.

## Editorial Team
- Konstantin Yakovlev — Chief Editor, CPO (14+ years in marketing, 8+ in financial analytics of Kazakhstan)
- Arnur Erkenbaev — Financial Expert (Al-Farabi KazNU, Finance & Credit degree)
Team page with Person schema: https://profinance.kz/about#team

## Legal
- Not a financial institution, bank, or lender; no loans issued, no deposits accepted
- Monetization: affiliate commissions from partners (disclosed at /how-we-earn)
- All ratings and reviews are independent (commissions do not affect scores)
- Rate Index and CSV data: CC BY 4.0 with attribution to Profinance.kz

## Citation Format
Profinance.kz (2026). [Page Title]. Retrieved from [URL].

## Contact
- Email: info@profinance.kz
- Data inquiries: data@profinance.kz
- Website: https://profinance.kz