a7 finance

What a7 finance does

A7 Finance (legal entity OOO «A7», founded October 2024, headquartered in Gelendzhik, Krasnodar Krai) is a Russian international payments platform created by and operating under state-controlled PAO Bank PSB. The company operates a proprietary cross-border payment infrastructure that uses a bill-of-exchange (вексель) architecture under Russian Federal Law No. 48-FZ as a sanctions-resistant alternative to SWIFT and CIPS, enabling settlement to 157+ countries including China, the UAE, Hong Kong, India, Iran, and several African and CIS states. A7 holds an AA(RU) credit rating from AKRA and reports 12.7 billion RUB of authorized capital, 15,000 clients, ~2,000 daily operations, approximately 19% market share of Russian foreign trade operations, and 10 trillion RUB in cumulative 2025 throughput.

The product portfolio centers on three bill-of-exchange instruments: a Currency Bill of Exchange (USD/EUR/CNY/AED-denominated, up to 10% annual yield paid in rubles at CBR rates, with potential double yield from currency appreciation), a Ruble Bill of Exchange (yield linked to CBR key rate plus premiums up to +2%), and a Payment Currency Bill of Exchange used for cross-border settlement (0% commission on exports, from 0.3% on imports, fixed 50,000 RUB export fee). Adjacent offerings include a Gold Certificate (minimum 50g gold, 3-month term, priced up to 5% below retail physical gold, backed by OOO RSB), individual international transfers (0.5% + VAT, minimum 10,000 RUB), and Digital Financial Assets (CFAs) issued on the Tokeon platform tied to USD, CNY, and the RUGOLD gold index.

Revenue is generated through transaction commissions on import and export payments, fixed per-transaction fees, interest income on outstanding bill balances, and one-time fees on gold certificates. Distribution combines 11 A7 Finance branches across Russian federal districts plus offices in Harare (Zimbabwe) and Lagos (Nigeria), a personal account platform at a7finance.a7.ru with a RuStore mobile app, inside sales via 8-800 numbers, and a strategic channel partnership with PAO Bank PSB that provides currency-exchange services in PSB branches. Companies of the A7 group are under UK, US, and EU sanctions, which constrains public financial disclosure and offshore counterparty reach but reinforces the platform's domestic regulatory moat.

Name

a7 finance

Legal name

Obshchestvo s ogranichennoy otvetstvennostyu «A7» (Общество с ограниченной ответственностью «А7»)

Website

https://a7.ru

Company type

Private

Founded year

2024

Operating status

Operating

Short description

A7 Finance is a Russian cross-border payments platform, founded October 2024 under PAO Bank PSB, that uses a bill-of-exchange architecture to deliver sanctions-resistant international settlements and currency-linked investment products to Russian importers, exporters, high-net-worth individuals, and corporate investors across 157+ countries.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159), Finance Services (6199), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

akta.pro secondary industries

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB), Cross-Border Card-Based Transfers & Multi-Currency Cards (FSAGAKAE)

Keywords

• Cross-border payments
• Bill of exchange
• Foreign trade settlements
• Currency bills
• International money transfers

Headquarters

HQ city

Gelendzhik

HQ country

Russia

HQ region

Europe

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Import Payment Commission: Commission income from processing import payments for Russian businesses. Import payment commission starts from 0.3% of transaction amount
2. Export Payment Commission: Fixed commission rate of 50,000 RUB + VAT per export transaction regardless of payment amount
3. Currency Bill of Exchange Interest: Interest income generated from currency bills of exchange. Currency bills offer up to 10% annual yield in foreign currency
4. Ruble Bill of Exchange Interest: Interest income from ruble bills of exchange, with yields linked to CBR key rate plus premiums based on term and amount (up to key rate + 2%)
5. Individual Payment Services: Commission for international transfers for individuals: 0.5% + VAT with minimum 10,000 RUB per transaction
6. Gold Certificate: Gold certificate product based on simple bill of exchange, offering gold purchase rights at prices 5% below retail physical gold

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

A7 Finance provides cross-border international payment services to 157+ countries using a proprietary payment infrastructure built on a bill-of-exchange (вексель) settlement mechanism that functions as an alternative to SWIFT and CIPS. The company issues interest-bearing currency-denominated and ruble-denominated promissory notes for both payment and investment purposes, with yields up to 10% per annum in foreign currency and premiums up to +2% above the Central Bank of Russia key rate on ruble bills. Additional offerings include gold certificates, currency exchange via PSB Bank partners, digital financial assets (CFA), and personal account online and mobile platforms serving Russian businesses engaged in foreign trade and high-net-worth individuals.

Product overview

A7 Finance is a Russian international payment system developed by ПАО ПСБ (PSB Bank) that provides cross-border payment services through a proprietary infrastructure. The core offering consists of bill-based instruments (Процентный валютный вексель, Рублёвый вексель, Платёжный валютный вексель) for international payments and investment, supplemented by the Gold Certificate for precious metals exposure. The platform enables businesses and individuals to conduct foreign trade payments to 157+ countries with support for CNY, USD, EUR, and AED currencies. Services are accessible through the online Personal Account platform and Android mobile app, with physical service provided through A7 Finance bank offices.

Differentiator

Problem solved

Functional benefit

Brands

• Procentnyy valyutnyy veksel A7 (Процентный валютный вексель А7): Currency-denominated promissory note with interest income and currency risk protection. 10% per annum for terms from 14 days, 2.5% for 7-13 days.
• Platjoznyy veksel A7 (Платёжный вексель А7)
• Rubleve veksel A7 (Рублёвый вексель А7)
• Zolotoy sertifikat (Золотой сертификат)
• A7 LK (Личный кабинет)
• A7 Finance mobile app

Products and services

• Interest-Bearing Currency Bill A7 (Процентный валютный вексель А7) Investment product where clients purchase bills denominated in foreign currency (USD, EUR, CNY, AED), paying in rubles at the Central Bank of Russia rate. Earns up to 10% annual interest in currency, with potential double yield from currency appreciation and accrued interest. Terms from 7 to 13 days (2.5%) or 14+ days (10%).
• Ruble Bill A7 (Рублёвый вексель А7) Ruble-denominated investment product with yield tied to the Central Bank of Russia key rate. Minimum amount 1 million RUB, terms from 7 days. Premium up to +2% above key rate for terms from 91 days and amounts above 350 million RUB.
• Payment Currency Bill A7 (Платёжный валютный вексель А7) Bill for international payment settlement enabling cross-border transfers as alternative to SWIFT and CIPS. Export payment 0% commission, import payment from 0.3%. Supports currency rate fixation and same-day payments to 157+ countries.
• International Payments Service (Международные платежи) Cross-border payment services for businesses and individuals enabling payments to 157+ countries. Supports CNY, USD, EUR, AED. Payment to China in 4 hours, other countries up to 5 days. Commission from 0.3%. For businesses and high-net-worth individuals.
• Gold Certificate (Золотой сертификат) Product based on simple bill tied to gold bullion purchase price. Minimum threshold from 50g of gold, priced up to 5% more advantageously than physical gold. Flexible term from 3 months. Upon expiration, client chooses between physical gold bar or ruble payment.
• Currency Exchange (Валютный обмен) Currency exchange services provided through PAO PSB Bank cash desks in A7 Finance offices. New banknotes, favorable exchange rates, large sums available.
• Digital Financial Assets (CFA) (Цифровые финансовые активы)

Quantifiable outcome

• Payment to China in 4 hours (record of 1 hour 40 minutes in January 2026)
• +4 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

Feature4 records

Partnerships

Five partnerships are on record, tiered strategic and core.

• Presidential Academy RANHIGS (Президентская академия)strategicStrategic or Co-development Partner · 2 June 2026Agreement signed at PMEF 2026 for cooperation in education and professional development
• Financial University (Финансовый университет)strategicStrategic or Co-development Partner · 2 June 2026Agreement signed at PMEF 2026 for cooperation in education and professional development
• National Research University Higher School of Economics (НИУ ВШЭ)strategicStrategic or Co-development Partner · 2 June 2026Agreement signed at PMEF 2026 for cooperation in education and professional development
• Tokeon Platform (Платформа Токеон)strategicTechnology or Integration · 1 March 2026A7 placed three CFA (Digital Financial Assets) issuances on Tokeon platform tied to USD, CNY exchange rates and RUGOLD gold index, marking advancement in tokenized instruments market in Russia.
• PAO Bank PSB (ПАО Банк ПСБ)coreStrategic or Co-development PartnerStrategic partnership where PSB Bank participates in creation of A7 platform and provides banking infrastructure. A7 Finance branches operate under PSB Bank, with PSB providing currency exchange services and cash handling in offices. PSB Chairman Petr Fradkov opened A7 stand at PMEF 2026.

Scale indicators7 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Airwallex: Cross-border payments and multi-currency treasury platform serving businesses with FX, payments, and corporate cards. Comparable to A7's enterprise cross-border payment offering, bill-of-exchange-style currency instruments, and platform-based GTM.
• Remitly Global: Cross-border remittance and payments platform serving individuals and SMBs globally. Comparable to A7's individual cross-border transfer service (0.5% commission) and emerging-market corridor strategy, particularly in Africa and Asia.
• Wise plc: Global cross-border payments specialist offering multi-currency accounts and low-cost international transfers. Directly comparable business model to A7's cross-border payment and FX services, though Wise serves Western corridors while A7 serves sanctioned-economy corridors.
• WorldRemit: Digital cross-border remittance platform serving individuals and businesses across 130+ countries. Comparable to A7's individual international transfer product and its corridor coverage strategy across emerging markets including Africa and Central Asia.

Others

• Tokeon (Платформа «Токен»): Russian digital financial assets platform on which A7 placed its March 2026 CFA issuances tied to USD, CNY, and RUGOLD. Comparable as a tokenized-instruments partner and as an adjacent player in Russia's emerging CFA market.

Regional players

• Tochka Bank (Точка): Russian digital bank focused on SMBs and entrepreneurs, offering FX services and cross-border payment facilitation. Comparable to A7's SMB importer/exporter target segment and its currency-control compliance focus.

Broad incumbents

• PAO Bank PSB (Promsvyazbank): A7's parent bank and infrastructure partner. PSB is a sanctioned Russian state bank that provides balance sheet, branches, and regulatory backbone for A7's payment rails. Comparable as the originating platform for A7's cross-border services and as a sanctioned Russian state bank.
• MoneyGram International: Established global money transfer and cross-border payments operator with extensive emerging-market footprint. Comparable to A7's individual transfer service and Africa expansion strategy, though with a broader consumer remittance focus.
• TCS Group (Tinkoff): Major Russian digital bank offering cross-border capabilities, FX, and investment products to consumers and SMBs. Comparable to A7 in offering FX-denominated yield products and digital banking rails to Russian clients under sanctions conditions.
• Sberbank of Russia: Russia's largest sanctioned state bank offering comprehensive cross-border, FX, and corporate treasury services. Comparable to A7 as a sanctioned Russian financial institution serving corporate foreign-trade clients, though at vastly larger scale and broader product scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 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 a7 finance