{"id":11957,"date":"2025-10-29T15:21:37","date_gmt":"2025-10-29T10:21:37","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/paynet-choraklik-foydasini-83-ga-oshirdi-kripto-almashinuvi-va-oltinomatni-ishga-tushirdi\/"},"modified":"2025-10-29T15:21:37","modified_gmt":"2025-10-29T10:21:37","slug":"paynet-choraklik-foydasini-83-ga-oshirdi-kripto-almashinuvi-va-oltinomatni-ishga-tushirdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/paynet-choraklik-foydasini-83-ga-oshirdi-kripto-almashinuvi-va-oltinomatni-ishga-tushirdi\/","title":{"rendered":"Paynet choraklik foydasini 83% ga oshirdi, kripto almashinuvi va \u201coltinomat\u201dni ishga tushirdi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Choraklik foydaning 83 foizga o\u2018sishi Paynet biznesining yangi xizmatlar tufayli tezlashayotganidan dalolat beradi. Kripto ayirboshlash va investitsiya oltinini sotib olishning yo\u2018lga qo\u2018yilishi investorlar va yoshlar auditoriyasini kengaytiradi. Transchegaraviy o\u2018tkazmalar an\u2019anaviy tizimlar (Western Union, MoneyGram) bilan raqobatlashmoqda. \u201cOltinomat\u201d konservativ investorlar uchun innovatsiya. Daromadning 55,3 foizga o\u2018sib, 1,2 trillion dollarga yetishi ekotizim strategiyasining muvaffaqiyatini tasdiqlaydi.    <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>9 oylik sof foyda &#8211; 330,5 mlrd (+59,2% g\/g);<\/li>\n<li>Sof tushum &#8211; 1,2 trln (+55,3%);<\/li>\n<li>III chorakdagi foyda &#8211; 128,8 mlrd (+83,1%);<\/li>\n<li>Beshta yangi xizmat ishga tushirildi: oltin, kriptoaktivlar, transchegaraviy pul o\u2018tkazmalari, bo\u2018lib to\u2018lash, naqd pul yechib olish;<\/li>\n<li>Tashkent City Mall\u2019da birinchi \u201coltin avtomat\u201d o\u2018rnatildi.<\/li>\n<\/ul>\n<p><strong>Moliyaviy ko\u2018rsatkichlar<\/strong><\/p>\n<p><span style=\"text-decoration: underline;\">Foyda:<\/span><\/p>\n<ul>\n<li><strong>2025-yilning 9 oyida: <\/strong>330,5 mlrd (+59,2%);<\/li>\n<li><strong>2025-yil III chorak: <\/strong>128,8 mlrd (+83,1%).<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Daromad:<\/span><\/p>\n<ul>\n<li><strong>2025-yilning 9 oyida:<\/strong> 1,2 trln (+55,3%).<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Choraklik dinamika:<\/span><\/p>\n<p>Agar 9 oyda foyda 330,5 mlrd, III chorakda esa 128,8 mlrdni tashkil etgan bo\u2018lsa, I yarim yillikda 201,7 mlrd (o\u2018rtacha chorak \u2014 100,9 mlrd) bo\u2018lgan. Bu III chorakdagi foyda o\u2018rtacha ko\u2018rsatkichdan 27,6 foizga yuqori ekanligini anglatadi. <\/p>\n<p><strong>Yangi xizmatlar (2025-yil, iyul)<\/strong><\/p>\n<ol>\n<li><strong>Investitsion oltinni sotib olish<\/strong> \u2014 mijozlar oltin quymalarni ilova yoki Tashkent City Mall\u2019da \u201coltinomat\u201d orqali sotib olishlari mumkin (Markaziy bank kursi bo\u2018yicha 5-100 grammlik quymalar);<\/li>\n<li><strong>Kriptoaktivlarni sotib olish<\/strong> \u2014 kriptovalyutalar (Bitcoin, Ethereum va boshqalar) savdosiga kirish;<\/li>\n<li><strong>Transchegaraviy o\u2018tkazmalar<\/strong> \u2014 vositachilarsiz xorijga pul jo\u2018natish (Western Union, MoneyGram);<\/li>\n<li><strong>Bo\u2018lib to\u2018lash<\/strong> \u2014 foizsiz bo\u2018lib to\u2018lanadigan xaridlar uchun BNPL (Buy Now, Pay Later) analogidir;<\/li>\n<li><strong>Agentlik punktlari orqali naqd pul yechib olish<\/strong> \u2014 mijozlar do\u2018konlar, dorixonalar, yoqilg\u2018i quyish shoxobchalarida kartalardan pul yechib olishlari mumkin.<\/li>\n<\/ol>\n<p><strong>\u201cOltinomat\u201d<\/strong><\/p>\n<p>Tashkent City Mall\u2019da O\u2018zbekistondagi birinchi oltin quymalarini sotib olish avtomati <a href=\"https:\/\/frank.uz\/uz\/yangiliklar\/paynet-toshkentda-birinchi-oltinomatni-ornatdi\/\">o\u2018rnatildi<\/a>. Mijozlar 5 grammdan 100 grammgacha bo\u2018lgan quymalarni Markaziy bank kursi bo\u2018yicha sotib olishlari mumkin. Bu banklar yoki zargarlik do\u2018konlaridan oltin sotib olishning qulay muqobilidir.  <\/p>\n<p><strong>Tahlil<\/strong><\/p>\n<p><strong>O\u2018sishning tezlashishi: <\/strong>choraklik foyda 83,1% ga oshdi \u2014 yillik o\u2018sish 59,2% ga nisbatan sezilarli darajada tezlashdi. Bu esa yangi xizmatlar III chorakda o\u2018z samarasini bera boshlaganidan dalolat beradi. <\/p>\n<p><strong>Ekotizim strategiyasi:<\/strong> Paynet to\u2018lov tizimidan moliyaviy ekotizimga aylanib, investitsiyalar (oltin, kriptoaktivlar), kreditlash (bo\u2018lib-bo\u2018lib to\u2018lash), xalqaro pul o\u2018tkazmalari va naqd pul yechib olishni taklif qilmoqda. Bu ilovadan foydalanish chastotasini va mijozning o\u2018rtacha chekini oshiradi. <\/p>\n<p><strong>Kripto ayirboshlash: <\/strong>O\u2018zbekistondagi tartibga solish noaniqligini hisobga olgan holda kriptoaktivlarni sotib olishni yo\u2018lga qo\u2018yish \u2014 dadil qadam. Biroq, ayniqsa, yoshlar orasida kriptovalyutalarga bo\u2018lgan talab ortib bormoqda. Agar regulyator xizmatni ma\u2019qullasa, Paynet kashshof bo\u2018lishi mumkin.  <\/p>\n<p><strong>Investitsion oltin:<\/strong> ilova va \u201coltinomat\u201d orqali oltin sotib olish \u2014 konservativ investorlar uchun qulay usul. O\u2018zbekiston dunyodagi eng yirik oltin ishlab chiqaruvchilardan biri bo\u2018lib, sarmoyaviy oltinga bo\u2018lgan talab an\u2019anaviy ravishda yuqori. Oltin narxi bir unsiya uchun rekord darajadagi 3800 dollardan oshdi, bu esa aktivni jozibador qiladi.  <\/p>\n<p><strong>Transchegaraviy o\u2018tkazmalar:<\/strong> xizmat Western Union, MoneyGram, Ria bilan raqobatlashadi. Paynetning afzalliklari: kamroq komissiyalar, ilovaga integratsiya, qulaylik. O\u2018zbekistonliklar yiliga taxminan 3-4 milliard dollarlik remitans jo\u2018natadi, bozor juda katta.  <\/p>\n<p><strong>Bo\u2018lib to\u2018lash:<\/strong> BNPL (Buy Now, Pay Later) \u2014 tez o\u2018sib borayotgan segment. Analoglar: Klarna, Affirm, \u201cHissalar\u201d, \u201cSplit\u201d. Xizmat mijozlarning xarid qobiliyatini oshiradi va iste\u2019molni rag\u2018batlantiradi.  <\/p>\n<p><strong>Agentlar orqali naqd pul yechib olish: <\/strong>bankomatlarga qulay muqobil, ayniqsa chekka hududlarda. Mijozlar do\u2018konda, dorixonada yoki yoqilg\u2018i quyish shoxobchasida bankomat qidirmasdan pul yechib olishlari mumkin. <\/p>\n<p><strong>Mohiyat<\/strong><\/p>\n<p><strong>\u201cPaynet\u201d AJ<\/strong> O\u2018zbekistondagi eng yirik to\u2018lov tizimi bo\u2018lib, 10 milliondan ortiq foydalanuvchiga ega. Kompaniya kommunal xizmatlar va mobil aloqa uchun to\u2018lovlardan boshlagan bo\u2018lsa, endi moliyaviy ekotizimga aylanmoqda. <\/p>\n<p><strong>Fintex bozorining o\u2018sishi: <\/strong>O\u2018zbekiston fintexni faol rivojlantirmoqda: banklar onlayn-bankingni ishga tushirmoqda, neobanklar (TBC Bank) paydo bo\u2018lmoqda, to\u2018lov ilovalari soni ortib bormoqda. Paynet agentlarning keng tarmog\u2018i (80 mingdan ortiq nuqtalar) va foydalanuvchilarning ishonchi tufayli yetakchilikni saqlab qolmoqda. <\/p>\n<p><strong>Raqobat:<\/strong> asosiy raqobatchilar: Click, Payme, Uzum Nasiya (bo\u2018lib to\u2018lash), bank ilovalari. Yangi xizmatlarning ishga tushirilishi Paynet mavqeini mustahkamlaydi va raqobatchilar uchun to\u2018siqlarni oshiradi. <\/p>\n<p><strong>Regulyator xavflari: <\/strong>Kripto almashinuvi va &laquo;oltin avtomat&raquo; regulyatorning roziligini talab qiladi. O\u2018zbekiston Markaziy banki hozircha kriptovalyutalar savdosi uchun litsenziya bermadi, bu esa noaniqlikni keltirib chiqarmoqda. Biroq, hukumat kriptovalyutalarni qonuniylashtirish imkoniyatini o\u2018rganmoqda.  <\/p>\n<p><strong>Istiqbollar:<\/strong> agar Paynet yangi xizmatlarni ishga tushirishda davom etsa va o\u2018sishni 60-80% darajasida ushlab tursa, kompaniya Markaziy Osiyodagi eng yirik fintech o\u2018yinchisiga aylanishi mumkin. IPO yoki masshtablashtirish uchun strategik investorni jalb qilish mumkin. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Paynet\u2019ning 9 oylik sof foydasi 330,5 mlrd so\u2018mgacha, tushumi 1,2 trln so\u2018mgacha o\u2018sdi. Kompaniya beshta yangi xizmatni ishga tushirdi: oltin va kriptoaktivlarni sotib olish, transchegaraviy pul o\u2018tkazmalari, bo\u2018lib to\u2018lash, agentlar orqali naqd pul yechib olish. <\/p>\n","protected":false},"author":4,"featured_media":6649,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/690249349bdb9.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":6649,"YlB8HH34jIzY":"Paynet choraklik foydasini 83% ga oshirdi, kripto almashinuvi va \u201coltinomat\u201dni ishga tushirdi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[994,760,3464,933],"class_list":["post-11957","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-fintex","tag-finansy-uz","tag-moliyaviy-natijalar","tag-paynet-uz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Paynet choraklik foydasini 83% ga oshirdi, kripto almashinuvi va \u201coltinomat\u201dni ishga tushirdi &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Paynet\u2019ning 9 oylik sof foydasi 330,5 mlrd so\u2018mgacha, tushumi 1,2 trln so\u2018mgacha o\u2018sdi. 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