Tashkent · UZS · Oʻzbek · Русский · English

Free demo, no sign-up needed

An AI CFO for your company. A data agent for every file. Built for business in Uzbekistan.

Upload bank statements, 1C exports or sales, stock and staff sheets. The agent tracks cash, runway, budgets and double payments, builds a dashboard for each file and answers with the numbers and the rows they come from. When you correct it, it remembers, and only for your company.

Explore three fictional companies. Files you upload in the demo are private and deleted after 24 hours.

Silkroute agent · demo

Did we pay any supplier twice last month?

Yes: Toshkent Ulgurji Savdo was paid the same amount on 4 and 5 September. Check with the supplier before the next payment.

Source: bank statement, rows 18 and 19

Calculated by rules

AI CFO

From bank statements to decisions

Upload what you already have. The AI CFO reads it, explains it and tells you what to do next — with every number traceable to your own data.

  1. 01Upload statements and sheets
  2. 02See where the money goes
  3. 03Get a plan and a calendar
  4. 04Send the deck
  • Dashboards and boards

    Founder, expense, revenue and investor boards from four templates, filtered by date, category and account.

  • Path to profit

    The monthly gap to break even and the cuts and price moves that close it, easiest first, checked against the forecast.

  • Business calendar

    Payroll days, tax checks, subscriptions, invoices to collect and your plan steps, built from your data. Exports to any calendar.

  • Presentations

    Investor, board and bank decks from your own figures: PowerPoint, PDF, or an outline for Gamma, Canva and Tome.

  • Alerts that matter

    Double payments, price rises, budgets going over and overdue invoices — once, not every day.

  • Real data, real scale

    Millions of rows per dataset, cleaned on upload; aggregates and a read-only SQL console for the analyst in you.

rows per dataset, tested
languages, Uzbek Cyrillic included
fixed AI tools — none can move money
bank passwords asked for or stored

Measured in our own tests; your speed depends on your plan and data.

The agent

One agent for your money and your files

It works on your own files, in UZS and in your language, and every number links back to its rows.

Finance

Cash by currency, burn and runway, budgets with alerts at 80 and 100 %, subscriptions, double payments, new vendors, receivables aging and a monthly report in Excel or PDF.

Any business file

CSV, every sheet of an Excel file, PDF tables, JSON and 1C bank exports. Each file gets its column types checked, a data quality summary and its own dashboard you can edit.

It learns your company

Correct a category, a column or a vendor name once and the next file is read the same way. You can review, switch off or delete everything it has learned.

Built for Uzbekistan

UZS first, Payme and Click inflows, local banks and 1C, and the whole product in Uzbek (Latin and Cyrillic), Russian and English.

  • Your data never trains an AI model.
  • Deleting a file also deletes what was learned from it.
  • Without AI the agent answers by rules. AI answers need your consent.

For developers

The open banking API underneath

One consent flow and one API for balances, transactions, identity and A2A payments across banks in Uzbekistan. On top of it: rules-based analytics for cash, burn and runway, and an OS for a company group in four countries. Sandbox today; real banks join through pilot agreements.

No card needed. Test bank logins and OTP 123456 included.

Silkroute Link1/5
🔒

Consent

Acme uses Silkroute to connect your bank

Bank-grade encryption · Law ЗРУ-547

Open the live Link demo

Sandbox banks today. Real banks join through pilot agreements

Tumaris Sandbox Bank
Lochin Sandbox Bank
Bulut Sandbox Bank

How it works

Live in three calls

A consent-first flow, tuned for Uzbek banks and payment rails.

01

Link

Your user connects their bank through the Silkroute Link widget — in your app, a WebView, or a Telegram Mini App.

02

Exchange token

Your server swaps the one-time public_token for a permanent access_token scoped to that Item. We keep only its hash.

03

Data & payments

Call /accounts, /transactions and /payment/initiate. Subscribe to webhooks for sync and payment status.

Developer-first

Copy, paste, ship

Clean REST, predictable JSON, one error envelope with a request_id on every response. SDK-friendly from day one.

  • ✓Header or body auth (Silkroute-Client-Id / Secret)
  • ✓Amounts in minor units server-side, major units in the API
  • ✓Signed, retrying webhooks with HMAC-SHA256
  • ✓One adapter per bank: sandbox and real banks share the same API
javascript
// Create a Link token, then exchange the public_token for an access_token
const BASE = "https://plaiduz-api-production.up.railway.app/v1";
const auth = {
  "Content-Type": "application/json",
  "Silkroute-Client-Id": process.env.SILKROUTE_CLIENT_ID,
  "Silkroute-Secret": process.env.SILKROUTE_SECRET,
};

const { link_token } = await fetch(BASE + "/link/token/create", {
  method: "POST", headers: auth,
  body: JSON.stringify({ user_ref: "user_42", products: ["transactions", "payments"] }),
}).then(r => r.json());

// ...user completes Link in the widget, your app receives a public_token...
const { access_token, item_id } = await fetch(BASE + "/item/public_token/exchange", {
  method: "POST", headers: auth,
  body: JSON.stringify({ public_token }),
}).then(r => r.json());

Products

Everything to build a fintech

Link

Onboarding

A drop-in widget that lets your users connect any Uzbek bank in seconds — consent, institution select, secure login and SMS-OTP.

Learn more →

Balance

Data

Real-time, verified account balances in UZS and USD, pulled straight from the connected bank and kept fresh by our ledger triggers.

Learn more →

Transactions

Data

Clean, categorised, paginated transaction history with merchant enrichment (Korzinka, Uzum, Yandex Go, utilities…).

Learn more →

Payment Initiation

Money movement

Direct account-to-account transfers that bypass Uzcard/Humo card rails — with a settlement state machine and webhooks.

Learn more →
Simulated

Understand the numbers. Act on them.

Silkroute OS runs a company group in four countries: cash, burn and runway with every assumption shown, cards with policies for people, agents and software, paperwork and a kill-switch. Simulated in the sandbox.

See it run
USDelawareUZTashkentAEDubaiSARiyadh

Built on open banking

Products beyond connect & pay

Recurring payments, consented cash-flow data that licensed lenders may use, overdraft prevention, multi-bank treasury and a white-label API — each one consent-first and live in the sandbox. Silkroute does not lend.

Demo data

🔁Variable Recurring Payments

New

Approve once, then pay variable bills within per-payment and monthly limits. Pause or revoke anytime.

Explore →

🪪Credit Passport

New

Consented cash-flow data with explained factors that licensed lenders may use. The borrower sees every access and can revoke it.

Explore →

⚖️Auto-Balancing

New

Rules that top up an account before a payment fails — suggest-and-confirm or fully automatic, with caps and a donor floor.

Explore →

🏦Treasury & Split Payments

New

One view of all company balances across banks, and a single payment split over several accounts — with reserves, roles and safe partial-failure handling.

Explore →

🎨White-label & platform

New

Your brand on the consent flow, plus API keys with per-key rate limits, usage analytics and signed webhooks — open banking as a service for banks, MFIs and fintechs.

Explore →

Security & compliance

Built for trust in Uzbekistan

Consent-first, encrypted end to end, and aligned with the Personal Data law (ЗРУ-547) and PSD2-style 90-day consent windows.

Tokens never in plaintext

API secrets and access tokens are stored only as peppered SHA-256 hashes.

Encrypted bank credentials

Bank OAuth tokens are encrypted at rest with pgp_sym_encrypt.

Tenant isolation

Every row is scoped by organization_id; one client can never read another’s data.

90-day consent

Item consent expires automatically, matching open-banking norms.

Try it on your own numbers

Start with the demo companies, then upload a statement. Create an account when you want to keep your data. Developers can take sandbox keys or try the flow in Telegram.