Financial technologies for a new generation of migrants

About the project
planet9 is a fintech startup reimagining access to financial services for migrants and their families. We are building a future where remittances are not just support, but the foundation for credit history, financial stability and economic growth.

Today, we offer embedded AI solutions in partner banking and financial applications, and in the future, we are developing our own platform with the functionality of a neo-bank focused on the needs of migrants.

Mission:
To empower migrants and their families through personalized, fair and technologically advanced financial solutions.

The problem we solve:
Migrants around the world send more than $800 billion to their families every year. However, they themselves are often left outside the formal banking system.
We solve this problem by turning remittance data into an asset that allows access to microloans without bureaucracy and complex requirements.

Our solutions:
RNPL (Received Now, Pay Later)
For migrant families in Central Asia (Tajikistan, Uzbekistan) who receive regular transfers.
SNPL (Sent Now, Pay Later)
For migrants themselves in the UAE, India, Pakistan and MENA countries — sending additional funds home with a deferred repayment.

How planet9 works:

– we integrate into the mobile application of the bank or transfer operator;
– the user is identified by passport and transfer history
– the aI model calculates a personalized limit
– the loan is approved and transferred instantly — without certificates and guarantors

Why is this important:

planet9 helps migrants monetize their financial flow and become full-fledged participants in the financial ecosystem. We do not just issue loans — we create a path to financial freedom for millions of people who were previously excluded from the classic banking model.

Our strategy:
– short-term — scaling of embedded solutions with partner banks
– medium-term — launch of our own platform with connection of third-party services (transfers, insurance, housing, flights, etc.)
– long-term — creation of a neobank for migrants, with fully AI-controlled personalized products

Project geographyЖ
– Central Asia — Tajikistan, Uzbekistan
– MENA — UAE (with further expansion to Kuwait, Saudi Arabia and Qatar)

Partners:
– spitamen Bank — pilot project in Tajikistan
– Commercial Bank International (CBI) — partner in the UAE

Key values of planet9 – financial inclusion without borders.