Price: 0
Number of applications: 6
01.06.26 (inclusive)
Fixed amount under the agreement (to be discussed after signing the NDA)
MVP
ICT tasks
Media sphere
Distributed Registry systems/Blockchain
Fintech Loyalty program platform (integrated solution): browser extension + web application with partner directory + user's personal account with mandatory identification by IIN + backend infrastructure with integrations for KYC, AML and partner reward networks
There is a growing demand in Kazakhstan for secure and regulated entry of citizens into the field of digital assets. According to the Chainalysis Global Crypto Adoption Index, more than 1.5 million Kazakhstanis have experience working with cryptocurrencies, but less than 17% of them use them legally due to lack of infrastructure and distrust of foreign platforms. Existing loyalty programs of Kazakhstani banks offer rewards in fiat (1-3% cashback) and are perceived by users as a standard feature. This does not create differentiation and does not involve citizens in the digital economy. THE MAIN PROBLEMS THAT THE PROJECT SOLVES: 1) THE GAP BETWEEN INTEREST AND INFRASTRUCTURE Citizens are interested in digital assets, but are forced to use foreign services without the jurisdiction of the Republic of Kazakhstan, consumer protection and regulatory supervision. 2) HIGH BARRIER TO ENTRY INTO THE CRYPTO ECONOMY Buying digital assets requires investing your own funds and involves financial risks. It scares away the mass audience. 3) THE LACK OF LEGAL TURNOVER OF DIGITAL ASSETS IN THE CONSUMER SECTOR The current legislation of the Republic of Kazakhstan did not provide for the use of cryptocurrencies as a form of remuneration until 2025. With the Resolution of the National Bank of the Republic of Kazakhstan No. 42 dated 07/25/2025, a legal window for such models appeared under a special regulatory regime. 4) LOW FINANCIAL LITERACY REGARDING DIGITAL ASSETS Most citizens have no experience working with cryptocurrencies and do not understand the principles of storing and using digital assets. HOW DOES THE PROJECT SOLVE THESE PROBLEMS?: — The user receives digital assets without investing their own funds, through habitual activity (online purchases) - All operations take place in a regulated infrastructure under the supervision of the National Bank of the Republic of Kazakhstan — Mandatory identification by IIN ensures AML/KYC compliance — Educational materials in your personal account enhance digital literacy The platform creates an infrastructure for the safe mass involvement of Kazakh citizens in the digital economy without the need to invest their own funds and under the direct control of the regulator.
THE EXPECTED EFFECT OF THE PROJECT BY 07/01/2026 (production release of Stage 1): TECHNICAL DELIVERABLES: — Browser extension published in Chrome Web Store, Firefox Add-ons, Edge Add-ons — A website with a directory of partners and a personal account, accessible by the main domain — Production backend in a cloud infrastructure with an SLA of 99.5% — Data placement on the territory of the Republic of Kazakhstan (required by law) — KYC integration through a local aggregator provider (Verigram, Documentolog, Smart ID or equivalent) - Test coverage of at least 70% — Passed security audit and pentest DOCUMENTATION (critical for subsequent stages): — Architectural documentation (HLD + LLD) — API documentation (OpenAPI/Swagger) — Database schema with description of fields and relationships — DevOps runbook — Documentation on compliance with the requirements of the National Bank of the Republic of Kazakhstan — Description of modular boundaries for expansion into Stages 2-3 — Video instruction on operation EFFECTS ON THE ECOSYSTEM OF KAZAKHSTAN: 1) Creation of the first regulated consumer crypto cashback product in the Republic of Kazakhstan under the special regime of the National Bank of the Republic of Kazakhstan 2) The safe involvement of citizens in the digital economy without financial risks (the user does not invest his own funds) 3) Improving the digital and financial literacy of the population through embedded educational materials 4) Support for the strategic priorities of the "Digital Kazakhstan" State Program 5) Creating the basis for scaling the technology to the following stages: mobile application (Stage 2), international payment integration (Stage 3) EFFECTS FOR THE PROJECT: — Launch of the MVP by 07/01/2026 — fulfillment of obligations to the regulator of the National Bank of the Republic of Kazakhstan — Attracting the first users within the special regime limit — Collecting analytics and feedback to prepare a request for an extension of the limit from the National Bank of the Republic of Kazakhstan — Preparation of the foundation for the connection of the mobile application (Stage 2) and integrations (Stage 3) ACCEPTANCE TECHNICAL KPIs: — Uptime production: ≥ 99.5% — Average API response time: < 200 ms — Website loading speed: less than 2 seconds — Test coverage: ≥ 70% — Critical vulnerabilities security audit: 0 — KYC successful verification rate: ≥ 95%
Kovalenko Dmitry Sergeevich
Purpose and description of task (project)
THE PURPOSE OF THE PROJECT Creation of the first stage of a consumer fintech platform for participation in a loyalty program with automatic accrual of rewards in digital assets for online purchases from program partners. The platform is implemented within the framework of a special regulation regime for operations with digital assets of the National Bank of the Republic of Kazakhstan (Resolution of the Board of the National Bank of the Republic of Kazakhstan No. 42 dated 07/25/2025) for a period of 5 years. ""WTS—Technology" LLP (BIN 240240020496), a resident of the international technopark of IT startups "Astana Hub", is the customer. TASK DESCRIPTION It is required to develop three interrelated software components: 1) BROWSER EXTENSION (Chrome Manifest V3, Firefox, Edge, Safari) — works according to the affiliate-cashback browser extension model. Activates affiliate links when visiting partner sites, and shows popup notifications about the availability of rewards. Minimum browser permissions, without reading the contents of the pages. 2) The PARTNER CATALOG WEBSITE is a public showcase of the loyalty program. Adaptive landing page, online partner catalog with filters and search, partner pages with terms, help sections, FAQ, program terms. 3) The USER'S PERSONAL ACCOUNT is available after registration and mandatory KYC via an IIN through a local aggregator provider (Verigram, Documentolog, Smart ID or equivalent). It includes the balance, transaction history, withdrawal of accumulated remuneration to the user's external crypto wallet, referral program, and support. THE PHASING OF THE PROJECT Stage 1 (subject of this TOR, deadline 07/01/2026): extension, website, personal account, KYC. Stage 2 (Future): Cross-platform iOS + Android mobile app. Stage 3 (future): Integration with international payment providers (details under NDA). The architecture and documentation of Stage 1 should ensure further development without rewriting the core logic. The executor of Stage 1 is not obligated to participate in Stages 2-3. Therefore, the transferability of work and the quality of documentation are critical acceptance requirements. REQUIREMENTS FOR THE CONTRACTOR — Proven experience in developing fintech applications (from 2 completed projects) — Experience in developing browser extensions with publication in the Chrome Web Store, Firefox Add-ons, Edge Add-ons — Experience in integration with local KYC providers in Kazakhstan — Knowledge of the Law of the Republic of Kazakhstan "On Personal Data and their protection" and compliance requirements of the National Bank of the Republic of Kazakhstan — Willingness to sign an NDA before disclosing project details — Posting data of citizens of the Republic of Kazakhstan on the territory of Kazakhstan — Ready for a 2-week post-release handover period — A team of 3 people (tech lead, backend, frontend) METHODOLOGY — Sprint duration: 2 weeks (about 4 sprints before release) — Demos at the end of each sprint — Weekly synchronizations with the customer's team — Transparent planning through the project management tool — Test coverage of at least 70% — External security audit and pentest before production release INTEGRATION DOCUMENTATION The documentation on integrations with KYC providers, reward partner networks, and payment infrastructure has been prepared by the customer. It is disclosed to the contractor after signing the NDA.
Note
THE PHASING OF THE PROJECT: This TOR describes only Stage 1 (deadline 07/01/2026). The architecture should ensure the subsequent development on: — Stage 2: Cross-platform mobile application (iOS + Android) — Stage 3: integration with international payment providers (details under NDA) The executor of Stage 1 is not obligated to participate in Stages 2-3. The transferability of the work is a critical criterion for acceptance along with the working code. THE SELECTION PROCESS: — Submission of applications: 14 calendar days — Shortlist: 7th day after publication — Technical interviews: days 8-13 — Final selection: Day 14 - NDA: after selecting the final performer — Start of work: after signing the NDA and the contract FOR A DETAILED DISCUSSION: After signing the NDA, the contractor will receive: — Detailed technical description of integrations with partners — Documentation on the requirements of the regulator (National Bank of the Republic of Kazakhstan) — Business logic for calculating and calculating rewards — Detailed wireframes and user stories — Brand guidelines and design system — Contacts of technical representatives of the partners IMPORTANT: the hard production release deadline is 07/01/2026.
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