☪ Islamic Fintech · CIS & Russia · v2.1 Live

Finance
the halal way.

The first full-featured Islamic financial assistant for 90 million Muslims across Russia, Kazakhstan, Uzbekistan and the CIS. Zakat, halal budgeting, debt tracking, installments, AI advisor and Ramadan price monitoring — all in one app.

iOS + Android deployed
Stripe + RevenueCat live
Zero competitors in CIS
Zakat due
12,650 ₽
AI insight
+21% Ramadan
TOTAL BALANCE
128,450 ₽
+45,000 ₽ income −12,300 ₽ spent
📷
Scan
🎯
Goals
📊
Report
☪
Zakat
Grocery Store
Today · Halal ✓
−2,450 ₽
Salary
Yesterday
+45,000 ₽
Debt — Ahmed (shop)
3 days overdue
3,000 ₽
🏠
Home
📈
Reports
+
💳
Accounts
☪
Zakat
90M+Muslims in CIS
v2.1MVP Live · iOS + Android
11countries supported
$1.99Premium / month
$0to start — free forever
$100KPre-Seed open
10+currencies
0direct competitors
90M+Muslims in CIS
v2.1MVP Live · iOS + Android
11countries supported
$1.99Premium / month
$0to start — free forever
$100KPre-Seed open
10+currencies
0direct competitors
The Problem

90 million Muslims in CIS —
underserved by every fintech.

Mainstream banking apps know nothing about zakat, halal categories or Islamic installments. The gap is massive, and no one is filling it.

01
☪
Zakat is a blind spot
Most Muslims don't know the exact amount to pay. Manual calculations are error-prone. No multi-asset, multi-currency nisab tracking exists.
02
📊
No halal budgeting tool
No finance app categorizes spending as halal vs. doubtful. Money flows without conscious Islamic financial oversight.
03
🤝
Debt records vanish
Small shops track debts on paper napkins. Records are lost. Relationships break down over forgotten ₽500. A digital solution is completely missing.
04
📅
Installments are confusing
Murabaha and ijarah — no one explains them clearly. No payment schedules, no reminders, no overpayment transparency for Islamic finance.
Product

Everything a Muslim needs
to manage money. One app.

☪ Zakat Calculator
Automatic nisab calculation across all your assets
0
₽ zakat due this year · auto-calculated
Covers gold, savings, stocks, business · 10+ currencies · Hijri calendar
📊
Halal Budget Tracker
Auto-import from Sberbank, T-Bank, VTB, Alfa. Every transaction tagged halal / doubtful / haram instantly.
Auto-import · 4 major banks
🤝
Debt Book
Digital ledger. Smart reminders. Repayment tracking. Replaces paper for shops and individuals.
For SMB + personal
📅
Murabaha / Installments
Payment schedule builder, overpayment calculator and deadline alerts for Islamic-compliant finance products.
👨‍👩‍👧
Family Account
Shared budget, debts and reports. Up to 5 family members in one space.
🤖
AI + Voice + Receipt Scan
GPT-4o parses grocery receipts via camera. Voice input in Russian. Personal AI financial advisor — all unlockable via Rewarded Ads or Premium.
Rewarded Ads powered
🌙
Ramadan Price Monitoring
Community-powered price intelligence. See which stores raised prices unjustly during the holy month.
Unique feature — network moat
Rewarded Ads Model

Watch an ad.
Get the feature.
No subscription.

Zero forced paywall. Users voluntarily watch a 15–30 second ad to unlock any premium feature on demand — or subscribe at $1.99/month to go fully ad-free. Maximum reach, maximum monetization.

📷
Receipt Scanner1 rewarded ad = 1 receipt scan via camera (GPT-4o)
🤖
AI Financial Advisor3 ads = 10 AI questions answered with context
📊
Report Export1 ad = full PDF/Excel export of your financial report
📈
Advanced Analytics2 ads = weekly breakdowns, trend charts, category deep-dives
Google AdMob Yandex Ads myTarget VK Ads
📺
1 ad
15–30 seconds · fully voluntary
=
Premium Feature Unlocked
no credit card · no subscription
Ad Revenue Per User
$0.03–0.08
per ad view
$0.5–1.5
per user / month
Why this works: CIS users are highly price-sensitive. A voluntary ad model removes adoption friction while generating revenue from Day 1 — even from users who never pay.
Pricing

Free. Ad-supported. Or $1.99.
Your choice. Always.

✨
Free
$0
forever
Core Islamic finance tools with no time limit or expiry.
✓Zakat calculator (full)
✓Budget tracker (50 transactions)
✓Debt book & reminders
✓Installment / murabaha tracker
▶Receipt scanner (1 ad/scan)
▶AI advisor (3 ads / 10 questions)
—Ramadan Price Index
🌟
Premium
$1.99
per month
Extended AI limits. Zero ads. Best experience.
✓All PRO features
✓Zero ads, ever
✓AI assistant with extended daily limits
✓Receipt scanner with extended daily limits
✓Family account (up to 5)
✓Ramadan Price Index access
Revenue Projections

How much can
Barakatai earn?

Two revenue streams compound as the user base grows. Premium subscriptions at $1.99/month plus ad revenue from free users.

Premium: $1.99/month × paid users × 12 months
Rewarded Ads: ~$0.75 avg/free user/month (Google AdMob CIS eCPM)
Free : Paid ratio: 9 : 1 — standard freemium benchmark
Paid conversion: 10% of total base
Early Traction
10,000 paid users
$319K
annual revenue
Premium$239K
Ad revenue$81K
MRR$26.6K
Growth Stage
100,000 paid users
$3.2M
annual revenue
Premium$2.39M
Ad revenue$810K
MRR$266K
Scale
1,000,000 paid users
$32M
annual revenue
Premium$23.9M
Ad revenue$8.1M
MRR$2.67M
Scenario Paid Users Free Users
(9× ratio)
Premium Rev.
$1.99 × 12
Ad Revenue
$0.75 × free × 12
Total / Year Monthly MRR
🌱 Early traction 10,000 90,000 $238,800 $81,000 ~$319K $26,600
🚀 Growth stage 100,000 900,000 $2,388,000 $810,000 ~$3.2M $266,000
🏆 Scale 1,000,000 9,000,000 $23,880,000 $8,100,000 ~$32M $2,670,000
0
Return on $100K
at 10K paid users
(Year 1, conservative)
0
Return on $100K
at 100K paid users
(Year 2–3 target)
0
Return on $100K
at 1M paid users
(5-year vision)

* Projections based on market analysis and industry eCPM data. Actual results may vary.

Community Price Intelligence

Ramadan Price
Monitoring.

Users scan receipts throughout Ramadan. AI detects which stores raised prices unjustly — and the entire community sees the truth.

1
Users scan grocery receipts via camera — AI extracts item prices automatically
2
Prices are aggregated across the community, compared week-over-week
3
During Ramadan, users see exactly which stores raised prices unfairly
4
Annual "Ramadan Price Index" — viral PR moment, millions of organic impressions
Investor moat: The more users join, the more accurate the data. This feature is impossible to replicate without an existing audience — it grows stronger every Ramadan.
🌙 Ramadan Price Index · 2026
34 stores tracked · community-sourced data
VkusVill
Meat / poultry
+21%
Magnit
Groceries
+12%
Pyaterochka
Dairy products
+8%
Lenta
Grains & cereals
−3%
AI Insight
Average food price increase during Ramadan 2026: +11%. Fairest stores: Lenta and Auchan showed lowest price hikes. Community recommends avoiding VkusVill for meat this month.
بركة
For Investors

The only Islamic fintech
built for the CIS market.

MVP is live. iOS + Android deployed. Stripe + RevenueCat integrated. Zero direct competitors. First-mover advantage in a market of 90 million people.

$100,000
Pre-Seed Round · Marketing · Team · Infrastructure
90M+
TAM — Muslims in CIS & Russia
v2.1
MVP live, deployed & revenue-ready
100K
Year 1 user goal
$0
Direct competitors in CIS
Use of $100,000
40% Marketing & Growth $40,000
35% Team $35,000
15% Infrastructure & Dev $15,000
10% Operations $10,000
100K
Active users
in 12 months
$120K+
Projected revenue
Year 1
Yr 2
Break-even
target
React 19 + Vite Firebase Production Capacitor iOS/Android Stripe + RevenueCat Google AdMob GPT-4o TypeScript · v2.1.0
Start your halal
financial journey today.
Free forever. No credit card. iOS, Android and Web.