What Kian Digital does

Kian Digital (کیان دیجیتال) is an Iranian fintech operating Iran's first personal investment management mobile application, launched in 2022 as the digital product line of publicly-listed Kian Financial Group (سهامی عام). The company serves retail individual investors across three primary personas—risk-averse fixed-income investors, gold/wealth-preservation investors, and growth-oriented equity investors—plus a secondary banking-customer segment via the co-branded Kian Card. The platform distributes 18+ SEO-supervised mutual funds spanning fixed income, gold, equity (classic, index, leveraged, sector), hybrid, and capital-guarantee categories, with AUM exceeding 10 trillion Tomans across 50,000+ customers and 1.2M+ app installations.

The technology stack is a mobile-first self-serve platform available on Android via Cafe Bazaar, Myket, and direct APK, plus a web PWA. Core technical components include real-time NAV updates (every 2 minutes for ETFs during trading hours, daily for non-ETF funds), integration with brokerage panels and the Tsetmc exchange system, and Mekna-certified information security infrastructure. The proprietary Kian Card, co-developed with Bank Khavarmieeh, is a Shetab-network bank card that auto-sweeps balances into the Neday-e Sabet fixed-income fund via Paya/Satna rails and offers up to 100M Tomans instant credit. Other products include Kian Crowdfunding (equity crowdfunding launched 2024) and the Sarmaye Plus financial-literacy blog.

Kian Digital's revenue model combines three streams: (1) recurring management and advisory fees on AUM across the 18+ funds, (2) transaction commissions ranging from 0.074% (fixed income) to 0.4545% (equity ETF), with app-based ETF purchases receiving a broker-fee exemption, and (3) banking-service revenue from Kian Card. Distribution is product-led growth via mobile app self-serve, supported by content marketing, Telegram/Bale/Instagram/Aparat social channels, and webinars conducted by Kian Financial Group analysts. The company is regulated by the Securities and Exchange Organization of Iran, holds Mekna information-security certification, and displays the e-Namad trust seal.

Name

Kian Digital

Legal name

Kian Digital (کیان دیجیتال), Product of Kian Financial Group (Public Joint Stock Company / سهامی عام)

Website

https://kiandigital.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Kian Digital is an Iranian fintech operating the country's first personal investment management mobile app, distributing 18+ SEO-supervised mutual funds (fixed income, gold, equity, sector, leveraged, capital-guarantee) to 50,000+ retail investors under publicly-listed parent Kian Financial Group.

Ownership category

akta.pro rank

Product category

Online Investment Management

NAICS

Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910)

SIC

Investment Advice (6282)

akta.pro primary industry

Digital/Robo Financial Planning (FSAEAAAK)

Keywords

• Online investment management
• Mutual fund platform
• Mobile investment app
• Digital wealth management
• Fintech banking services

Headquarters

HQ city

Tehran

HQ country

Iran

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Management and Advisory Fees: Kian Digital earns revenue through management fees charged by the investment funds it operates. Each fund charges varying commission rates on buy and sell transactions.
2. Transaction Commissions: Commission income from buying and selling fund units. Rates vary by fund type: equity ETFs 0.4545%, gold fund 0.24%, fixed income 0.074%, capital guarantee 0.2438%. App users get broker commission exemption for tradable funds.
3. Kian Card Banking Services: Revenue from banking services through Kian Card partnership with Bank Khavarmieeh, including credit facilities and transaction processing.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Kian Digital operates a mobile-first online investment management platform that enables individual investors to invest in a diversified set of mutual funds (fixed income, gold, equity, sector, leveraged index, and capital guarantee funds) through a smartphone app. The platform also issues a co-branded bank card (Kian Card) with Bank Khavarmieeh that combines daily banking with automatic investment of card balances into a fixed-income fund, and offers an equity crowdfunding product (Kian Crowdfunding) for startup and SME investments.

Product overview

Kian Digital is a fintech investment platform operated by Kian Financial Group (سهامی عام), offering a unified mobile-first app for online investment management. The product portfolio centers on 12+ mutual funds across fixed income, gold, equity (ETF and non-ETF), sector, leveraged index, and hybrid categories — all tradeable through the Kian Digital app or any Iranian brokerage. The Kian Card (joint with Bank Khavar Miane) bridges banking and investment, auto-investing card balances into the Neday-e Fixed income fund. The Kian Crowdfunding platform enables equity investment in startups. Sarmaye Plus Blog provides financial education content. The platform is supervised by the Securities and Exchange Organization and the Makna information security center.

Differentiator

Problem solved

Functional benefit

Brands

• Kian Card (کیان کارت): A joint banking card product with Bank Khavar-e Mianeh offering 30% annual profit connected to Neda Fixed Income Fund
• Kian Crowd (کیان کراد)
• Sarmaye Plus (سرمایه پلاس)
• Goohar Gold Fund (صندوق طلای گوهر)
• Kian Fixed Income Fund (صندوق درآمد ثابت کیان)
• Neda Fixed Income Fund (صندوق ندای ثابت کیان)
• Avaye Sahm Fund (آوای سهام کیان / رشدی کیان)
• Ahang Sahm Fund (آهنگ سهام کیان)
• Hamvazn Index Fund (شاخصی هم وزن کیان)
• DoA克斯 Leveraged Fund (اهرمی شاخصی کیان-ممتاز / دوایکس)
• Pharma Sector Fund (بخشی فارما کیان)
• Utility Sector Fund (بخشی یوتیلیتی کیان)
• Capital Guarantee Fund (تضمین اصل سرمایه کیان)

Products and services

• Kian Digital Mobile Application A mobile-first platform enabling online investment in mutual funds, gold ETFs, fixed-income funds, and equity ETFs. Provides real-time NAV updates, a profit calculator, portfolio management, and integrates with brokerage panels for trading. Designed for individual retail investors in Iran.
• Kian Card A co-branded Shetab-network bank card issued with Bank Khavarmieeh that auto-invests card balances daily into the Neday-e Fixed Income fund, offers 30% annual daily-interest profit, provides up to 100 million Tomans instant credit, and supports nationwide ATM, POS, card-to-card, and online transactions. Targets individual banking customers seeking integrated investment returns.
• Fixed Income Fund - Kian An ETF fixed-income fund investing in bonds, bank deposits, and participation papers, offering approximately 39% expected annual return with daily compound interest and same-day liquidity. Minimum investment 50,000 Tomans. Available to retail investors through the Kian Digital app and any Iranian brokerage.
• Neday-e Fixed Income Fund A non-ETF fixed-income fund with monthly profit distribution (~2.5% monthly), no issuance/redemption fees, and a 6-month minimum holding period for capital guarantee. 30.27% annual return. Designed for individual investors seeking steady monthly income.
• Gold Fund - Goohar A gold ETF investing primarily in gold coin and gold bullion deposit certificates (~95%), with secondary allocations to silver and fixed-income instruments. Minimum investment 100,000 Tomans. Traded on Iran Stock Exchange from 12:00-15:00. Targets individual investors seeking inflation hedge without physical gold storage risks.
• Equity Fund - Avaye Saham / Roshdi An ETF equity fund focused on growth stocks, restructured from the original Avaye Saham fund. Delivered 6,790% return over 8 years and 8 months of activity. Minimum investment 50,000 Tomans. For risk-tolerant individual investors seeking long-term equity exposure.
• Equity Fund - Ahang-e Saham A non-ETF equity fund with a classic strategy, offering professional stock portfolio management with issuance/redemption mechanism. Delivered 4,532% return over 8 years and 10 months. Designed for individual investors who want professional equity management without direct stock picking.
• Index Fund - Hom Vazn Iran's first and largest equal-weighted index ETF, tracking the hom vazn (equal-weighted) index of Tehran Stock Exchange. Minimum investment 50,000 Tomans. Targets individual investors seeking broad market exposure at low cost.
• Leveraged Index Fund - DooEx A leveraged index ETF offering approximately 2x exposure to the TEDPIX, with fixed leverage maintenance and low premium. Suitable for professional individual investors seeking amplified market exposure.
• Sector Fund - Pharmakian Iran's first pharmaceutical sector ETF, covering 44 pharmaceutical symbols on TSE and Fara Bourse with an equal-weight strategy. Minimum investment 50,000 Tomans. Targets individual investors seeking sector-specific exposure.
• Sector Fund - Utility A utility sector equity ETF investing in utility/energy companies listed on Tehran Stock Exchange. Minimum investment 50,000 Tomans. For individual investors seeking defensive sector exposure.
• Capital Guarantee Fund - Tazmin A hybrid fund with guaranteed capital protection for holdings of 6+ months, backed by Kian Financial Group. Offers approximately 43.65% annual return with a 6-month minimum holding requirement. Maximum 5% of fund units per investor. Designed for risk-averse individual investors.
• Kian Crowdfunding An equity crowdfunding platform for investing in startup and SME projects, under Securities and Exchange Organization supervision. Minimum investment amounts vary by project. Enables individual investors to participate in private equity opportunities.

Quantifiable outcome

• Fixed Income Fund Kian: 38.55% annual return, 2-year performance of 83.4% profit
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature3 records

Partnerships

One partnership is on record.

• Bank Khavarmieeh (بانک خاورمیانه)coreStrategic or Co-development PartnerJoint product development for Kian Card - a co-branded bank card that combines banking and investment functionality. The card is issued by Bank Khavarmieeh (a member of the Shetab network) and is connected to the Neday-e Sabet fund for automatic daily investment of card balance.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• eToro: eToro is a global multi-asset investment platform offering stocks, ETFs, and themed portfolios via a social-investing mobile app. It is comparable as a mobile-first retail platform distributing ETFs and managed portfolios across multiple asset classes, similar to Kian's fund-of-funds and ETF offerings.
• Betterment: Betterment is a US-based robo-advisor and digital wealth platform offering automated, diversified portfolio management to retail investors via a mobile/web app. It is directly comparable to Kian Digital's product-led, app-based investment management model and fee-based revenue structure.
• Acorns: Acorns is a US micro-investing app that rounds up purchases and invests spare change into diversified ETF portfolios. It is comparable to Kian Digital's low-minimum entry points (50,000-100,000 Tomans) and product-led onboarding of retail investors new to capital markets.
• M1 Finance: M1 Finance is a US fintech combining self-directed brokerage with automated, customizable portfolio strategies ("pies"). It mirrors Kian Digital's blended model of allowing users to invest in curated fund strategies plus broader market ETFs through a unified app.
• Wealthfront: Wealthfront is a US digital wealth and investment advisory platform that combines automated portfolio management with self-directed investing and cash-management features. Its mix of robo-advice, ETF-based portfolios, and high-yield cash products parallels Kian's fixed-income, gold, and equity ETF fund lineup.
• Robinhood Markets: Robinhood is a US commission-free retail brokerage and investing app serving mass-market retail investors. Like Kian Digital, it differentiates on zero-commission trading, mobile-first design, and high-volume retail engagement; both target first-time investors with accessible product minimums.

Regional players

• Nutmeg: Nutmeg is a UK-based robo-advisor offering diversified ETF portfolios and ISAs to retail investors. It is comparable to Kian Digital as a regulated digital wealth platform selling curated fund portfolios via an app, but operates in a different geography (UK/Europe) with different product wrappers.

Emerging players

• Scalable Capital: Scalable Capital is a European digital wealth and brokerage platform with a mobile-first app and low-cost ETF-based investment strategies, plus a broker arm. It is comparable to Kian Digital's combined brokerage-plus-managed-funds approach serving emerging retail-investor demographics.

Broad incumbents

• Vanguard Digital Advisor: Vanguard's robo-advisor is part of the broader Vanguard asset-management franchise, offering low-cost automated portfolio management at scale. It is comparable to Kian Digital on automated ETF-based portfolio construction but operates from a much larger incumbent position with global distribution.
• Charles Schwab Intelligent Portfolios: Charles Schwab offers a robo-advisor and full brokerage platform under a major US incumbent. Comparable to Kian Digital on offering automated ETF-based portfolio construction alongside direct trading, but with materially larger asset base and broader product range.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeaparat.com/kiandigital
• LinkedInlinkedin.com/company/kian-digital
• Instagraminstagram.com/kian.digital
• Xx.com/kian_digital
• Facebookfacebook.com/kiandigitalofficial

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kian Digital