Products

Four products, one integration

Everything you need to onboard users, read financial data and move money in Uzbekistan.

Link

Onboarding

The fastest way to connect a bank account in Uzbekistan.

A pre-built, polished flow: a consent screen explaining data sharing under Law ЗРУ-547, a searchable grid of Uzbek institutions, secure credential entry that goes straight to the bank, and SMS-OTP. Runs in your web app, a WebView, or a Telegram Mini App.

✓8 institutions with live health status
✓Consent → bank → login → OTP → success
✓Returns a one-time public_token to exchange server-side

http

POST /v1/link/token/create
{ "user_ref": "user_42", "products": ["transactions"] }
→ { "link_token": "link-sandbox-…", "expiration": "…" }

Balance

Data

Verified, real-time balances in UZS and USD.

Pull current and available balances for every account on a connected Item. Balances are reconciled from the bank ledger by database triggers, so “available” always reflects pending holds — critical before a payment.

✓Current + available + limit per account
✓Multi-currency (UZS, USD)
✓Masked numbers, official names, subtypes

http

POST /v1/accounts/balance/get
{ "access_token": "access-sandbox-…" }
→ { "accounts": [{ "mask": "4415",
     "balances": { "available": 69160.47, "iso_currency_code": "UZS" }}]}

Transactions

Data

Clean, categorised, paginated history.

Enriched transactions with merchant names and a personal-finance category (FOOD_AND_DRINK, TRANSPORTATION…). Pending and posted are clearly separated. Date-filter and page with count/offset.

✓Merchant enrichment for local retailers
✓Pending vs posted, signed amounts
✓Category primary + detailed

http

POST /v1/transactions/get
{ "access_token": "…", "start_date": "2026-08-01",
  "options": { "count": 100, "offset": 0 } }

Payment Initiation

Money movement

Direct account-to-account transfers — no card rails.

Initiate an A2A transfer straight from a linked account to any Uzbek bank account, bypassing Uzcard/Humo. Payments move through a guarded state machine with idempotency and PAYMENT_STATUS_UPDATED webhooks.

✓Idempotency keys, exactly-once settlement
✓Insufficient-funds & rejection handled cleanly
✓Live status via webhooks or polling

http

POST /v1/payment/initiate
{ "access_token": "…", "account_id": "acc_…",
  "amount": 150000, "currency": "UZS",
  "creditor": { "name": "OOO Beneficiary",
                "account_number": "20208000900123456789" },
  "idempotency_key": "order-4821" }

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

Money movement

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

🪪

Credit Passport

Data & scoring

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

⚖️

Auto-Balancing

Money movement

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

🏦

Treasury & Split Payments

Money movement

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

🎨

White-label & platform

Open Banking as a Service

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.

Get sandbox keys