Tashkent · UZS · Oʻzbek · Русский · English
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 rulesAI 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.
- 01Upload statements and sheets
- 02See where the money goes
- 03Get a plan and a calendar
- 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.
Bank-grade encryption · Law ЗРУ-547
Sandbox banks today. Real banks join through pilot agreements
How it works
Live in three calls
A consent-first flow, tuned for Uzbek banks and payment rails.
Link
Your user connects their bank through the Silkroute Link widget — in your app, a WebView, or a Telegram Mini App.
Exchange token
Your server swaps the one-time public_token for a permanent access_token scoped to that Item. We keep only its hash.
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
// 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
OnboardingA drop-in widget that lets your users connect any Uzbek bank in seconds — consent, institution select, secure login and SMS-OTP.
Learn more →Balance
DataReal-time, verified account balances in UZS and USD, pulled straight from the connected bank and kept fresh by our ledger triggers.
Learn more →Transactions
DataClean, categorised, paginated transaction history with merchant enrichment (Korzinka, Uzum, Yandex Go, utilities…).
Learn more →Payment Initiation
Money movementDirect account-to-account transfers that bypass Uzcard/Humo card rails — with a settlement state machine and webhooks.
Learn more →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 runBuilt 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.
🔁Variable Recurring Payments
NewApprove once, then pay variable bills within per-payment and monthly limits. Pause or revoke anytime.
Explore →🪪Credit Passport
NewConsented cash-flow data with explained factors that licensed lenders may use. The borrower sees every access and can revoke it.
Explore →⚖️Auto-Balancing
NewRules 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
NewOne 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
NewYour 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.