Oson

What Oson does

Oson is a Central Asia-origin fintech holding company that operates a regulated, multi-jurisdictional cross-border payments and mobile-banking platform under the OSON brand. Its flagship product is an electronic-money wallet app distributed via Google Play, Apple App Store, Huawei AppGallery and RuStore, which allows users to transfer funds between linked international cards, top up global e-wallets, pay utilities and subscriptions, purchase gift cards and gaming services across 180+ countries, and stay connected via a bundled eSIM module. The platform is extended through three dedicated sub-brands: OSON Games (gaming payments), OSON eSIM (international connectivity) and OSON Business (B2B acquiring), all anchored by a unified app relationship.

Underlying technology centres on a card-payment processing stack certified to PCI DSS, integrated with partner rails for cross-border transfers and remittance. The corporate structure spans three regulated entities: JSC BRIO GROUP in Uzbekistan (Central Bank license No. 000002, 3 February 2024, the legal successor of BRIO GROUP LLC since 20 February 2024), OSON Payments LLP in Kazakhstan (NBK license No. 02-23-166, 6 November 2023), and Oson DIFC Limited in the UAE, which received DFSA Authorised Firm status on 23 March 2026 following in-principle approval in October 2025 and operates from a regional hub in Jumeirah Bay Tower X2, Dubai.

The business model is primarily transaction-based, generating revenue through international money-transfer fees, merchant/issuer commissions on the cashback payments programme, retail margins on OSON eSIM plans, and distribution commissions on global gift cards and gaming services. A new B2B fintech infrastructure layer is being built on top of the DFSA-regulated entity to serve corporate and merchant clients across the UAE and GCC. Distribution is self-serve mobile plus country-localised websites (English, Russian, Uzbek, Kazakh, Tajik, Korean and UAE English), with a reported user base of approximately 3 million consumers concentrated in Central Asia and a stated strategic intent to act as a regulated Central Asia–GCC payments corridor.

Name

Oson

Legal name

JSC BRIO GROUP

Website

https://oson.uz

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

Oson is a Central Asia-origin fintech that operates a regulated cross-border e-wallet and mobile-banking platform licensed in Uzbekistan, Kazakhstan, and the UAE (DIFC), serving roughly 3 million retail consumers with international transfers, gift cards, gaming payments, and eSIM connectivity across 180+ countries.

Ownership category

akta.pro rank

Product category

Mobile Payments and Digital Wallet

akta.pro primary industry

International Money Transfer Operators (MTOs) (FSAMAIAE)

akta.pro secondary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Mobile payment services
• Cross-border remittance
• Digital wallet platform
• Electronic money services
• International money transfers

Headquarters

HQ city

Tashkent

HQ country

Uzbekistan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Payment / Remittance Transaction Fees: Revenue generated from international card-to-card transfers, remittance fees and cross-border payment processing between countries. Pricing is described as "favorable" but not publicly itemised.
2. OSON Payments / Cashback Programme: Users receive cashback when paying for global services, gift cards, e-wallet top-ups and merchant purchases across 180+ countries, indicating merchant or issuer commission revenue.
3. OSON eSIM Sales: Direct sale of international mobile data/connectivity plans bundled into the payment app via the osonesim.com storefront.
4. OSON Games / Gift Card Distribution: Sale of global gift cards and gaming-service top-ups, likely on a retail markup or distribution commission basis.
5. B2B Fintech Infrastructure: Planned B2B fintech infrastructure services in the UAE and GCC, including multi-currency payments and remittance for corporate clients, leveraging DFSA Authorised Firm status.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

OSON operates a regulated cross-border electronic payment system and mobile e-wallet that lets users send and receive money internationally between linked local or international cards, top up global e-wallets, pay utilities, subscriptions, gaming services and gift cards across more than 180 countries, and stay connected worldwide via bundled eSIM. The platform is extended by dedicated sub-brands for gaming payments (OSON Games), mobile connectivity (OSON eSIM), and B2B fintech infrastructure (OSON Business), operating under payment licences from the Central Bank of Uzbekistan, the National Bank of Kazakhstan and the Dubai Financial Services Authority.

Product overview

Oson is a Central Asian-origin fintech holding company that operates a multi-brand platform-plus-modules architecture centered on the flagship OSON electronic money wallet app. The core wallet (Oson Electronic Money) bundles OSON Transfers for international remittances and OSON Payments for global service payments across 180+ countries, and is extended by three sub-brands hosted on separate domains: OSON Games (a dedicated gaming payment platform at oson.games), OSON eSIM (a connectivity service at osonesim.com), and OSON Business (a B2B fintech infrastructure portal at business.oson.com). Together these modules position Oson as a one-stop international payments and lifestyle ecosystem bridging Central Asia, the GCC, and global markets.

Differentiator

Problem solved

Functional benefit

Brands

• OSON Games: A platform for payment in global gaming services, allowing users to buy game gift cards and games online.
• OSON Business
• OSON eSIM

Products and services

• OSON Electronic Money (Mobile Wallet App) Flagship OSON mobile wallet and electronic payment system enabling users to transfer funds between international cards, top up global e-wallets, pay utilities, purchase subscriptions and gift cards, pay for global gaming services, pay in online stores, and pay for international mobile communications and online TV in more than 180 countries.
• OSON eSIM Connectivity sub-brand offering an eSIM service that lets users stay connected worldwide, sold à la carte via osonesim.com and marketed as part of the OSON ecosystem to complement its payments offering.
• OSON Games Dedicated web platform for paying global gaming services, enabling users to instantly buy game gift cards and games online across all major gaming platforms and services.
• OSON Business Business-facing sub-brand and B2B portal providing payment and acquiring infrastructure for merchants and corporate clients, including the broader B2B fintech infrastructure the company plans to operate in the UAE under Oson DIFC Limited.

Quantifiable outcome

• 3 million pre-existing users across existing markets at time of DFSA licensing (March 2026).
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eight partnerships are on record, tiered flagship, core and minor.

• Dubai Financial Services Authority (DFSA)flagshipOthers · 23 March 2026Granted Oson DIFC Limited Authorised Firm status on 23 March 2026 (in-principle approval October 2025), allowing the company to open payment accounts, manage client funds and serve retail and corporate users within the Dubai International Financial Centre.
• Central Bank of the Republic of UzbekistancoreOthers · 3 February 2024Granted electronic-money license No. 000002 dated 03.02.2024 to JSC BRIO GROUP, authorising operation of the OSON electronic payment system. BRIO GROUP JSC is the legal successor of BRIO GROUP LLC since 20 February 2024.
• National Bank of the Republic of KazakhstancoreOthers · 6 November 2023Granted payment services license No. 02-23-166 dated 06.11.2023 to OSON Payments LLP, enabling the company to provide regulated payment services in Kazakhstan.
• Google PlaycoreChannel Partner/ Reseller/ DistributorDistribution partnership for the OSON mobile app (com.oson) on the Android Google Play store, enabling self-serve app downloads globally.
• Apple App StorecoreChannel Partner/ Reseller/ DistributorDistribution partnership for the OSON iOS app (id1207834182) on Apple App Store, available in English and Russian storefronts.
• Huawei AppGallerycoreChannel Partner/ Reseller/ DistributorDistribution partnership for the OSON app (C102064463) on Huawei AppGallery, extending reach into Huawei-device markets.
• RuStoreminorChannel Partner/ Reseller/ DistributorDistribution partnership for the OSON Android app on RuStore (com.oson), a Russian app marketplace.
• compliance-control.eu (PCI DSS certification body)coreImplementation/ SI/ Consulting PartnerListed certification partner for OSON's PCI DSS card payment security certification, visible in the website footer.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• T-Bank (Tinkoff): Russian/CIS digital neobank with cross-border payment capabilities. Comparable as an emerging-market digital bank expanding into Central Asian and CIS corridors with similar product breadth.

Direct peers

• Remitly: Digital cross-border remittance company serving migrant corridors globally. Comparable as a digital-first MTO competing for the same Central Asia–MENA send-money flows OSON targets.
• Uzum: Uzbekistan-headquartered fintech and e-commerce super-app offering wallet, payments and consumer credit. Competes with OSON in the same Uzbek consumer fintech segment and pursues a similar super-app monetisation strategy.
• Payoneer: Cross-border payments and multi-currency account platform for SMBs and professionals. Comparable on cross-border B2B/SMB payment infrastructure that OSON plans to launch out of DIFC.
• WorldRemit: Cross-border digital money transfer operator with broad emerging-market corridor coverage. Direct peer on international remittance and mobile wallet top-ups for diaspora users.
• Kaspi.kz: Kazakhstan's dominant super-app combining payments, marketplace and fintech services. Directly comparable to OSON as a Central Asian consumer fintech with a regulated wallet, payments engine and aggressive regional expansion ambitions.
• Click: Uzbekistan's leading domestic payment system and e-wallet, with deep merchant and consumer penetration. Closest direct competitor to OSON in its Uzbek home market on wallet and P2P payments.
• Wise: Global cross-border payments platform focused on low-fee international transfers and multi-currency accounts. Direct competitor on OSON's core cross-border transfer and multi-currency wallet proposition.

Broad incumbents

• Western Union: Incumbent global money-transfer operator with the deepest agent network in Uzbekistan, Kazakhstan and the GCC. Indirect competitor and benchmark for OSON's licensed remittance corridor ambitions.
• PayPal: Global digital payments incumbent with cross-border consumer and merchant capabilities. Competes with OSON on international online payments and gift card/digital goods purchases in 180+ markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCs5T3pmRHmSTrxdn6u_e51A
• Facebookfacebook.com/osonuz
• Instagraminstagram.com/oson__com
• LinkedInlinkedin.com/company/osonuzb

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Oson