Name

Sepas Holding | هلدینگ سپاس

Legal name

Sepas Holding

Website

https://sepasholding.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Diversified Digital Services Holding

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Oil & Gas Field Services, Nec (1389), Arrangement Of Transportation Of Freight & Cargo (4731)

akta.pro primary industry

Billing, Payments & Premium Finance Platforms (FSAGAGAI)

Keywords

• Online insurance brokerage
• Travel booking platform
• Automotive digital marketplace
• Drilling optimization software
• Payment processing services

Headquarters

HQ city

Tehran

HQ country

Iran

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Sales and Brokerage: Online insurance sales and brokerage through Bimeh.com platform, selling various insurance policies (third-party, motor, fire, health, travel, electronics, medical liability) from 15 insurance companies approved by the Central Insurance of Iran. Revenue generated through insurance commissions.
2. Travel and Tourism Services: Online travel agency services including flight tickets (domestic and international, system and charter), hotel bookings (2.5 million+ hotels worldwide), train and bus tickets, car rentals, and tour packages. Revenue from booking commissions and service fees.
3. Financial Technology Services: Digital banking services including instant card allocation, secure online payments, fintech platform services (Gate Iran, Faragir Kara), dental financing (Dentalit), vehicle services (Yadak.com), and postal services (Posteam, YaaPost).
4. Oil and Gas Services: Engineering, design, supervision, execution, and drilling equipment supply for upstream oil and gas industry through PEAK Energy Almas Kish and Nader Smart Field Services Development.
5. International Trade and Commerce: Trading and logistics services through Exim company, managing supply chain security for petrochemical, energy, and basic goods sectors with private banking channels and escrow services.
6. Tourism Financial Services (Faragir Kara): Financial and banking services for tourists including instant card allocation, secure online payments, SIM cards with data packages, and personal accident insurance.

Go-to-market motion4 records

Distribution channels7 records

Marketing channels5 records

Core offering

Sepas Holding is a multi-sector holding company operating digital platforms across five verticals: Insurtech (online insurance brokerage and comparison via Bimeh.com with 15 insurance companies), Traveltech (online travel booking via Safar.com with 2.5M+ hotels and 900+ airlines), Fintech (payment solutions, dental financing, automotive marketplace, digital wallets), Oil & Gas (AI-powered drilling optimization and engineering services), and Commercial (international trade and logistics). The company earns revenue primarily through commissions on insurance and travel transactions, service fees for fintech and energy operations, and consulting fees for specialized engineering work.

Product overview

Sepas Holding operates as a multi-disciplinary private holding company formed in 1395 (2016) and reorganized in 1400 (2021), organized around five core verticals: Insurtech, Traveltech, Energy, Commercial, and Fintech & E-Commerce. The holding comprises distinct brands and products across these sectors. In Insurtech: Bimeh.com (core online insurance platform), Plus Insurance (insurance marketing system), Bimedo App (damage assessment), Insurance Tendering System with blockchain, and B2B insurance solutions. In Traveltech: Safar.com (comprehensive online tourism platform), Pars GDS (global distribution system), Shana Travel (in-person travel services), CRS Reservation System, BNPL tourism infrastructure. In Fintech: YaaPost (advertising media), Posteam (postal services), Mahan Communications (direct mail services), Yadak.com (automotive digital marketplace), Kara Universal Services (tourism financial services), Tekno Pay (payment solutions), Gateiran (B2B digital products), Dentalit (medical financing), NetSIP, Paymark, KeepWal, Customer Club. In Energy: DrillAI (AI platform for oil & gas), Pishro Energy Almas Kish (drilling services), Nadar Smart Field Services. In Commercial: Exim (international trade and logistics). Each subsidiary operates with its own brand while benefiting from the holding's shared infrastructure and cross-selling opportunities.

Differentiator

Problem solved

Functional benefit

Brands

• Bimeh.com (بیمه‌دات‌کام): Online insurance marketplace offering comparison and purchase of various insurance policies from multiple insurers.
• Plus Insurance (پلاس بیمه)
• Bimeh.dotApp (بیمه‌دات‌اپ)
• Safar.com (سفردات‌کام)
• Pars GDS (پارس جی دی اس)
• Yadak.com (یدک‌دات‌کام)
• YaaPost (یا پست)
• Posteam (پستیم)
• Gate Iran (گیت‌ایران)
• Dentalit (دنتالیت)
• Exim (اگزیم)
• DrillAI (دریل ای آی)
• DariCard (داریکارت)
• NetCIS
• Peymarcet (پیمارکت)
• Kif Pool (کیف پول)
• CRS (Central Reservation System)
• BSP (Billing and Settlement Plan)
• i6
• Shana Travel (شانا تراول)
• Customer Club (باشگاه مشتریان)

Products and services

• Bimeh.com (بیمه‌دات‌کام) Online insurance marketing, comparison, and sales platform offering real-time price comparison and purchasing of various insurance policies (third-party, motor, body, fire, health, travel, electronics, medical liability) from 15 insurance companies approved by the Central Insurance of Iran. Uses machine learning algorithms for risk prediction and personalized recommendations for individual consumers and businesses.
• Safar.com (سفردات‌کام) Comprehensive online travel platform offering flight booking (domestic and international, system and charter), hotel reservations (2.5 million+ hotels worldwide), train and bus tickets, car rentals, and tour packages with AI-based personalization, intelligent weather forecasting, real-time route optimization, and BNPL installment payment options for individual travelers and corporate accounts.
• Yadak.com (یدک‌دات‌کام) Digital automotive marketplace providing AI-powered fault diagnosis, demand forecasting, parts procurement, maintenance management, and insurance renewal services for vehicle owners and automotive businesses. Includes augmented reality for online and in-person vehicle inspection and B2B contracts for service exchange with automotive apps and websites.
• DrillAI (دریل ای آی) AI and data science-based platform optimizing drilling and production operations in the oil and gas industry using machine learning algorithms and field data analysis to reduce costs, increase productivity, and improve decision-making for upstream operations.
• Exim (اگزیم) International trade and logistics company providing supply chain security, escrow services, and multi-modal logistics for petrochemical, energy, and basic goods sectors, with commercial hub presence in Dubai, Istanbul, and Moscow and private banking channels.
• Pars GDS (پارس جی دی اس) Global Distribution System connecting tourism suppliers directly with travel agencies and consumers, providing fast communication, analytical dashboards, and borderless global connectivity for B2B travel partners.
• Pishro Energy Almas Kish / PEAK (پیشرو انرژی الماس کیش) Specialized upstream oil and gas company providing engineering, design, supervision, execution, and drilling equipment supply with advanced data mining for improved productivity in drilling operations.
• Kara Universal Services / Faragir Kara (گسترش خدمات فراگیر کارا) Tourism-focused fintech providing instant bank card allocation, secure online payments, SIM cards with data packages, personal accident insurance, and DariCard banking services for tourists.
• Mahan Communications Management (مدیریت ارتباطات ماهان) Company connecting producers and service providers with consumers through direct mail services including addressed advertising mail, unaddressed advertising mail, and reply mail, with online barcode, in-house counter, and high accuracy targeting.
• Dentalit (دنتالیت) Healthcare financing platform providing formal banking-backed patient financing for dental treatments through Bank Tejarat, eliminating default risk for medical centers by replacing informal credit arrangements with bank-backed credit infrastructure.
• Gate Iran (گیت ایران) B2B platform providing organizations and fintech platforms with access to the most demanded global digital products including gaming and professional digital economy tools, delivered under their own brand identity.
• Tekno Pay (تکنو پی) Financial technology company providing POS devices, ATMs, smart thermal paper rolls, and innovative electronic payment solutions making transactions seamless for merchants and financial institutions.
• Plus Insurance (پلاس بیمه) Smart insurance marketing system enabling individual marketers and agents to sell various insurance policies from the Bimeh.com platform with no prerequisites, earning commissions on each transaction with predictive algorithms for personalized targeting.
• Shana Travel (شرکت مسافرتی شانا) Physical travel agency offering in-person travel services with local smart support, BNPL payment plans, intelligent business travel dashboards, and integrated CRS reservation system for individual travelers and corporate clients.
• Posteam (پستیم) Innovative postal service for organizations with high mail volumes, providing an in-house postal counter for direct package preparation and sending with online barcode issuance for B2B logistics needs.
• YaaPost (یا پست) Innovative advertising media platform on traditional direct mail (EDM - Electronic Direct Mail) with access to over 52 million household and business records for targeted advertising campaigns.
• Bimedo App (بیمه‌دات‌اپ) Digital infrastructure for online insurance damage assessment, enabling policyholders to file damage requests and track evaluation steps with 24/7 multi-channel support (SMS, email, social networks).

Quantifiable outcome

• Zero default risk for healthcare centers using Dentalit platform
• +2 more outcomes

Named customers18 records

Segments8 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration29 records

AI capability22 records

Feature9 records

Partnerships

18 partnerships are on record, tiered core, minor and moderate.

• Bank Tejarat (بانک تجارت)coreStrategic or Co-development PartnerStrategic collaboration between Sepas Holding and Bank Tejarat for the Dentalit platform, a bank-backed dental financing solution that replaces traditional personal agreements with formal credit infrastructure, eliminating default risk for healthcare centers.
• Tap30 (تپسی)minorGTM or Marketing PartnerBusiness partner providing ride-hailing services integration with Sepas Holding ecosystem.
• Chamber of Commerce Iran-Germany (اتاق بازرگانی ایران و آلمان)moderateStrategic or Co-development PartnerStrategic partnership with Iranian-German business association for international trade facilitation and cross-border business development.
• Medical Organization (سازمان نظام پزشکی)moderateGTM or Marketing PartnerPartnership with Medical Organization for Dentalit healthcare financing platform, providing bank-backed credit to medical professionals and patients.
• Sepah E-Payment (پرداخت الکترونیک سپهر)moderateTechnology or IntegrationElectronic payment service provider enabling secure payment processing across Sepas Holding platforms.
• Tara (تارا)minorGTM or Marketing PartnerAutomotive partner for vehicle-related services within Yadak.com ecosystem.
• Ghabzino (قبضینو)minorGTM or Marketing PartnerBill payment service integration partner.
• SunUp (سان اپ)minorGTM or Marketing PartnerApplication partner for service integration.
• Omid Boom (امید بوم)minorGTM or Marketing PartnerMarketing and advertising partner.
• Raya Market (رایا مارکت)minorChannel Partner/ Reseller/ DistributorMarketplace reseller partner for product distribution.
• Khane Kargar (خانه کارگر)minorGTM or Marketing PartnerLabor house partnership for employee benefits and insurance services.
• Khanomi (خانومی)minorGTM or Marketing PartnerLifestyle and services platform partnership.
• Sepahan Sports Club (باشگاه فرهنگی ورزشی سپاهان)minorGTM or Marketing PartnerSports club sponsorship and marketing partnership.
• Parsian Insurance (بیمه پارسیان)coreChannel Partner/ Reseller/ DistributorOne of 15 insurance companies partnered with Bimeh.com for online insurance distribution, offering third-party, motor, fire, health, travel, and electronics insurance.
• Tejarat Insurance (بیمه تجارت)coreChannel Partner/ Reseller/ DistributorInsurance partner providing coverage through Bimeh.com platform.
• Iran Insurance (بیمه ایران)coreChannel Partner/ Reseller/ DistributorMajor insurance partner approved by Central Insurance of Iran.
• Asia Insurance (بیمه آسیا)coreChannel Partner/ Reseller/ DistributorInsurance partner for online distribution through Bimeh.com.
• Mellat Insurance (بیمه ملت)coreChannel Partner/ Reseller/ DistributorMajor insurance company providing comprehensive coverage through the platform.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Lemonade: AI-driven digital insurance company using ML for underwriting and claims — comparable to Bimeh.com's stated AI/ML risk-prediction approach to insurance distribution.
• Booking Holdings: Global online travel platform company (Booking.com, Priceline, Agoda) — directly comparable to Safar.com's B2C travel booking model, though at vastly larger scale and global footprint.
• Ctrip (Trip.com Group): Asian online travel agency operating as both consumer OTA and B2B platform with GDS capabilities — comparable to Safar.com + Pars GDS combination in serving regional travel distribution.
• AliBaba Group: Multi-vertical digital conglomerate spanning e-commerce, fintech, cloud, and travel — comparable to Sepas's super-app-style holding model integrating consumer finance, travel, and commerce.

Direct peers

• PolicyBazaar: India's leading insurance and financial product aggregator, offering multi-carrier comparison and online purchase across dozens of insurers — the closest analog to Sepas's Bimeh.com model internationally.
• Pegasus Tech Ventures (or comparable Iranian holding): Multi-vertical technology holding companies operating diverse digital business lines — analogous to Sepas's structure of operating separate verticals (insurance, travel, fintech, energy) under one corporate umbrella.
• Snapp: Iranian super-app providing ride-hailing, food delivery, and fintech services — the most comparable domestic example of a multi-service consumer platform with payment integrations.
• Tap30 / SnappFood cluster: Iranian vertical digital platforms integrating consumer payments, logistics, and adjacent services — comparable in their pursuit of operating-system-style dominance within Iran's constrained digital economy.

Regional players

• Bimeh.com (Bime24 / Insurance.ir): Iranian online insurance comparison and brokerage platforms that distribute policies from multiple insurers — the same aggregator-and-broker model that Bimeh.com operates, serving the same domestic market.
• Maqta Gateway (P.O.S. terminals / payments): Regional payment gateway and logistics platforms — comparable to Tekno Pay (POS/ATMs) and Exim (trade logistics), particularly in cross-border trade enablement in the MENA region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/holding-sepas
• Instagraminstagram.com/sepasholding

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries21 records

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 Sepas Holding | هلدینگ سپاس