Cube Invest plays an active role in both Armenian and international markets. It collaborates with several reputable international investment banks and is a member of the Association for Financial Markets in Europe (AFME), striving to introduce new standards and quality in the investment sector.

Cube Invest holds the ISO27001 international certification for information security and was among the first non-banking financial institutions in Armenia to receive a long-term issuer credit rating of B- with a stable outlook from the globally recognized Fitch Ratings agency.

In 2023, the company was recognized as the “Fastest Growing Brokerage Firm in Armenia” by the Global Banking & Finance Review magazine.

FIS is a Skolkovo resident and a team of experts in banking business automation. The company specializes in developing customized business process management systems for the fintech industry and is one of the key vendors in the no-code/low-code platform and BPM system market.

FIS's flagship product is the no-code FIS Platform — application designer for creating corporate information systems. With this tool, financial organization business analysts can independently navigate the entire application development lifecycle without programming. Based on our expertise and competences accumulated during more than 20 years of work in banking, FIS delivers tailor-made solutions that maximize efficiency and meet individual customer requirements.

Key automation areas include corporate and retail lending, debt collection, operational risk management, front-office services, factoring, antifraud solutions, and more.

Flametree is an AI Customer Communication Platform designed to revolutionize client engagement and streamline business operations.

The platform empowers financial organizations to significantly enhance efficiency in client acquisition, servicing, cross-selling, and solving debt collection challenges. It enables the creation of complex, multi-step campaigns where AI Agents and Humans collaborate seamlessly to interact with clients in a coordinated manner.

Without requiring programming skills, the platform allows users to quickly build sophisticated AI Agents capable of directly communicating with clients or serving as co-pilots. These agents support both inbound and outbound interactions, communicating naturally in over 150 languages, and able to engage users through voice or text across web and mobile apps, messengers, and other channels.

Meta-X Markets is a professional investment services company, which provides strategic access to top global financial centers. Regulated by the Central Bank of Armenia, MXM upholds the highest standards of financial integrity and compliance.
Customized solutions tailored to the unique needs of institutional investors and high- net-worth individuals, offering personalized market insights, trading strategies, and exceptional risk management to align with clients’ financial goals.

Plat Ai is committed to revolutionizing the lending and financial industry with its fully-automated loan origination system, automated ML model building and deployment platform and custom complex ML modeling services.

With 7+ years of experience in the field, we now currently have 300+ models that optimize decision-making processes of dozens of financial institutions based in the US and Armenia.

Earlyone is a cutting-edge customer flow management and appointment scheduling solution designed to streamline service operations and elevate customer experiences. With powerful real-time analytics and automation, we help businesses optimize resources, cut wait times, and boost efficiency, ensuring seamless and hassle-free service for both companies and their customers.

UBPay is a secure and fast money transfer platform for the banks and remittance businesses in Armenia and across the world. UBPay delivers exceptional value by combining cutting-edge technology with unparalleled service.

The platform offers a robust and intuitive API, making it seamless for banks and remittance firms to integrate money transfer services. With comprehensive documentation and dedicated support, API ensures a quick and hassle-free setup, enabling partners to focus on providing exceptional service to their customers.

UBpay offers competitive rates and transparent pricing, ensuring partners get the best return on investment. The efficient processes reduce operational costs and enhance transaction speed, providing a seamless experience for partners and their customers.

The service implements the highest standards of encryption and compliance protocols. The platform is built with multiple layers of security, including end-to-end encryption, real-time fraud monitoring, and rigorous authentication processes.

UBPay is designed to meet the strictest regulatory standards across the globe. The platform ensures full compliance with international laws and local regulations, providing partners with peace of mind in every transaction. UBPay is registered and regulated by the Central Bank of Armenia.

Unibank was founded in 2001. The bank has 52 branches and more than 400 sales points, 1 300 retail partners.
Unibank is actively implementing new technology and innovation to ensure an up-to-date service. Being one of the leaders in the retail market in Armenia, Unibank has launched credit scoring based on artificial intelligence.
Unibank's mobile app for individuals allows users to make transactions on- the-go and control their accounts anytime. The banks has also launched an application — UNIBusiness Mobile — for legal entities and individual entrepreneurs, enabling them to easily and quickly manage their businesses from anywhere in the world.
According to the results of 2022, Visa rewarded Unibank with the Strong partnership in driving cashless award, in 2023 with the Pinnacle Partnership Award, and in 2024 with the Olympic Games Sponsorship Excellence Award.
In 2015, Unibank provided its clients with an opportunity to become the bank’s shareholders. Through the Initial Public Offering (IPO), the bank issued shares via the Armenia Securities Exchange (AMX). At the AMX AWARDS 2024, the bank was recognized as the best in two nominations: “Best Equity Issuer on the Exchange” and “Best in Secondary Equity Market".
In 2023 Euromoney named Unibank Privé  the best private bank in Armenia. Unibank has been also recognized as the winner in the "Best Private Bank in the CIS Countries" nomination at the WEALTH Navigator Awards 2024, showcasing its excellence in private banking and wealth management.
Moody’s affirmed the bank's B2 rating, outlook positive.

Garant Bank has operated in Uzbekistan’s financial market for over three decades.
Established in 1994 as a joint-stock company with the ambitious goal of supporting trading organizations and bolstering the nation’s financial infrastructure, the bank began its journey with a modest capital of 6 million UZS. Through years of relentless effort and strategic growth, it has evolved into one of the recognized leaders in the banking sector, becoming a symbol of reliability and progress.

In 2022, a pivotal rebranding took place: Savdogarbank was reborn as Garant bank. This transformation went beyond a new logo — it marked a profound renewal of the bank’s mission and values, reflecting its commitment to innovation, customer focus, and shaping the future of Uzbekistan’s financial industry.

KWIKPAY – a payment system for international money transfers. KWIKPAY offers a wide range of services that allow you to send and receive money transfers worldwide easily and securely. Transfers are conducted between countries via cash, phone number, card, or bank account. Join the many customers who have already used the international payment system, KWIKPAY.
KWIKPAY guarantees you reliability, convenience, and favorable terms for international money transfers.