Halyk BaaS (Bank As A Service) Platform

Halyk BaaS is a strategic platform from Halyk Bank designed to make banking, ecosystem, and government digital services accessible to customers exactly where they already are—within the mobile applications they use daily. The primary goal was to build a unified technological platform that would eliminate the need for bespoke, one-off integrations with individual partners, shifting instead to a scalable connection model based on a single SDK and API. This approach has significantly reduced integration complexity, accelerated the time-to-market for new services, and laid the foundation for the rapid expansion of the partner network. The core objective was to create a platform that would allow partners to enhance their own digital products by incorporating in-demand financial, ecosystem, and government services—all while maintaining a seamless, unified customer journey within the partner’s own application. Today, Halyk BaaS connects partners with a combined customer base ~500,000 users.

2026

Halyk BaaS created a new revenue stream for Halyk Bank,confirming the market demand for the platform.

TAS Finance,a microfinance organization for microloans secured by vehicles and real estate.Loan disbursements:4,334 transactions (KZT 9.63 billion).Loan repayments:685 transactions (KZT 143.68 million).

ONAY! is the largest electronic ticketing system for public transport in Kazakhstan, used for issuing transport cards for various categories of citizens.BaaS issues discounted transport cards for schoolchildren and pensioners.

Vlife-platform for motorists that integrates loyalty programs,fuel payments,electric vehicle charging, and other partner services(6,342 QR trns;42.32 mln KZT)

Altyn Bank integrated External QR Pay service,allowing clients to pay via Halyk QR directly in Altyn Bank app(40,742 QR trns;434.24 million KZT)

WOOPPAY-provides an e-wallet,internet acquiring, and digital payments.BaaS enables users to pay via Halyk QR directly from the WOOPPAY(1,889 QR trns;3.81 mln KZT)

Halyk BaaS architecture is built on a microservices approach, which allows for the independent development, scaling, and maintenance of each service. Interaction between platform components is facilitated via REST APIs. Apache Kafka is used for event processing and messaging, ensuring reliable event-driven integration between services and supporting high-load scenarios.Data storage is based on PostgreSQL, and the platform operates within an OpenShift (Kubernetes) container environment, which provides high availability, fault tolerance, and the ability to scale horizontally as the load increases.To accelerate integration, ready-to-use SDKs are provided for Android and iOS. The Android SDK is developed using an Interface-Driven Framework (IDF) architecture, which ensures modularity, component reusability, and simplifies the ongoing evolution of the platform.Platform supports integration not only with native mobile applications but also with cross-platform like React Native and Flutter.

The project does not use solutions from the Global CIO catalog

Halyk BaaS is built as a modular Banking-as-a-Service platform, allowing partners to integrate only those services that align with their specific business models, while maintaining a consistent approach to integration, security, and user experience. This modular architectural design enables the Bank to continuously expand the platform's functionality. Currently, approximately 80 production-ready services are available via Halyk BaaS. In addition to core banking services, the platform includes: digital customer onboarding; biometric identification; Halyk ID; issuance and servicing of bank cards;QR-based payments;transfers via phone number;loan origination and repayment;analytics and monitoring tools;partner administration portal;API catalog;robust information security mechanisms, compliant with PCI DSS requirements. The platform’s functionality covers the entire lifecycle of a customer’s interaction with banking services including the integration of government digital services.

The platform enables organizations to integrate a wide range of Halyk Bank’s financial services via a unified SDK and API framework, sparing partners the need to develop complex banking infrastructure themselves or manage numerous individual integrations

Through Halyk BaaS, partners can integrate a range of banking services into their own digital products—including digital customer onboarding, identification and authentication via Halyk ID, the issuance and servicing of bank cards, QR payments, money transfers, credit products, loyalty programs, and more.

At the same time, the platform enables the integration of Halyk Bank’s ecosystem services. For instance, a user of a shopping and entertainment center’s app can view restaurant menus, pay bills, purchase event tickets, or access other digital services—all without needing to switch to a separate banking app. This approach ensures a seamless user journey and significantly enhances the convenience of using digital services.

It provides partners with access to specific government digital services. This allows companies to fulfill legal requirements—such as verifying driver’s licenses for vehicle rental services—through a unified integration layer, eliminating the need to connect directly to government information systems.

The platform is geared toward a wide range of organizations—including fintech companies, microfinance institutions, payment providers, retail chains, shopping and entertainment centers, marketplaces, urban mobility services, telecommunications companies, and other digital platforms—that are interested in developing modern financial and digital services.

Currently, Halyk BaaS is being successfully utilized by partners across various economic sectors, supporting several key use cases for the platform:

●      Onboarding and digital identification — ONAY and Vlife;

●      Authentication via Halyk ID — ONAY, Vlife, and TAS Finance;

●      Loan disbursement and repayment for microfinance organizations — TAS Finance, Acredit, Findom, and Lombard;

●      Loan repayment for microfinance organizations — TAS Finance;

●      QR payments — Vlife, Wooppay, Altyn Bank, and Kcell.

Following a similar model, ecosystem services can be integrated into the applications of marketplaces, urban mobility providers, delivery services, telecommunications companies, and other digital platforms. Another area is an integration of government digital services. The platform offers partners a unified integration mechanism to meet regulatory requirements—such as verifying driver’s licenses or accessing other government-held data—eliminating the need for them to connect directly to state information systems. It is now a key instrument for scaling Halyk Bank’s digital strategy.

Kazakhstan