JSC Kaspi.kz American Depositary Receipt

JSC Kaspi.kz American Depositary Receipt represents ownership in JSC Kaspi.kz, a Kazakhstan-based technology-driven financial services company. The firm operates an integrated ecosystem built around three core platforms: a payments platform, a marketplace platform, and a fintech platform. Through its payments platform, Kaspi.kz enables cashless, digital transactions between consumers and merchants, supporting everyday payments and bill settlement across the economy. Its marketplace platform connects a broad network of merchants with consumers, facilitating online commerce and helping merchants increase sales while offering customers a wide selection of goods and services. The fintech platform allows users to manage personal finances digitally, providing access to consumer lending and deposit products through the Kaspi.kz Super App. Headquartered in Kazakhstan, JSC Kaspi.kz today serves as a central digital infrastructure player in its domestic market, combining financial services, e-commerce, and payments into a single, app-based ecosystem that is widely used by both individuals and businesses.