---
title: The Caucasus’s first fully integrated digital platform
description: A unified ecosystem shapes the region’s digital future by bringing together millions of people, businesses, and innovations under one umbrella.
image: https://birbank.az/file/Star_4_33638c265d.svg
---

## Ecosystem

# The Caucasus’s first fully integrated digital platform

A single ecosystem brings millions of people, businesses, and innovations together under one umbrella, shaping the region’s digital future.

Watch the ecosystem video

![image](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/Bir_pay0000_19_1_052deb3374.png)

Our key results!

# 5m+

Active users

# \~$700m

Net income

# $300m

EBITDA

# \~50%

Total payment volume

Our brands

### Birbank

Azerbaijan’s first digital bank and market leader. Kapital Bank’s internet banking product, Birbank, makes banking services accessible to everyone.

#### 34.1%

Market share in consumer loans

#### #1

The country’s first digital bank

#### 3.5 million

Number of Birbank users

![brend-widget-item-img](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/Main_screen_birbank_1_4183317711.svg)

### Birbank Business

A trusted business partner that brings all the financial needs of small and medium-sized entrepreneurs together in one app.

#### 106 406

Number of micro business customers

#### 16 716

Number of small and medium business customers

#### 95.4%

Uses digital products

![brend-widget-item-img](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/Birbank_business_0d64d8d564.svg)

### Birbank Invest

A platform that enables fast and secure investment in the world’s largest companies.

#### 13 120

Number of potential investors

#### 11 000+

Opportunity to invest in the company

#### $1

Minimum investment amount

![brend-widget-item-img](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/Birbank_invest_3a71ff00d8.svg)

### Birmarket

A marketplace where daily shopping can be done with just one click.

#### 2737

Number of sellers

#### 300 000+

Number of buyers

#### 73%

Year-over-year sales growth

![brend-widget-item-img](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/Birmarket_efc9d8885c.svg)

### m10

Azerbaijan’s most widely used secure e-wallet system.

#### 829 000

Number of users

#### #1

The national leader in the e-wallet segment

#### 47.5 million

Number of transactions for the current year

![brend-widget-item-img](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/M10_1f84c96c91.svg)

Our joint projects

### Trendyol 

As a result of our collaboration, one of the world’s largest e-commerce platforms provides direct delivery across the entire country.

* 400 000 – Number of users
* “Buy Now, Pay Later” – a credit line for ecosystem users
* Opportunity to earn and spend bonuses

![project-widget-item-img](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/Birbank0000_28_ac04018e96.svg)

### BakıKart

A cashless payment method for key public transportation services such as the metro and buses.

* 22% – Share of QR-based transactions within the ecosystem
* #1 –Leader in public transportation payments
* Bonus payment option

![project-widget-item-img](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/Birbank0000_27_8e90d32adb.svg)

Our products

### Bir Bonus

A loyalty program that enables earning and spending bonuses across thousands of partners, hundreds of offers, and dozens of categories.

![product-widget-item-img](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/Umico_bon0060_2_f5aec5b4a5.svg)

### Bir ID

A single access method for all services within the ecosystem

![product-widget-item-img](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/Frame_2085662113_850845284d.svg)

### Bir Pay

A modern payment platform for our users and business partners

![product-widget-item-img](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/Frame_2085662113_2_dd3c254a94.svg)

# Be part of Bir!

Get in touch for financial indicators, strategic partnerships, or investment opportunities.

[![mail](https://strapi-aws-s3-images-bucket-kb.s3.eu-central-1.amazonaws.com/read_email_16_outline_328a03f631_84b7f86d4b.svg)bir@bir.az](mailto:bir@bir.az)