{"id":15400,"date":"2026-01-16T17:31:51","date_gmt":"2026-01-16T12:31:51","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/fintexga-investitsiyalar-kopaydi-bitimlar-kamaydi\/"},"modified":"2026-01-16T17:31:51","modified_gmt":"2026-01-16T12:31:51","slug":"fintexga-investitsiyalar-kopaydi-bitimlar-kamaydi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/sarmoyalar\/fintexga-investitsiyalar-kopaydi-bitimlar-kamaydi\/","title":{"rendered":"Fintexga investitsiyalar ko\u2018paydi, bitimlar kamaydi"},"content":{"rendered":"<h3>Nega bu muhim<\/h3>\n<p>Fintexga investitsiyalar hajmi bozor to\u2018lovlar, banklar, kripto-infratuzilma va tegishli xizmatlarga qancha sarmoya kiritishga tayyorligini ko\u2018rsatadi, demak, yangi mahsulotlarni ishga tushirish sur\u2019ati va raqobatga ta\u2019sir qiladi. Kattaroq raundlarda bitimlar sonining kamayishi startaplarning pulga bo\u2018lgan imkoniyatini o\u2018zgartiradi va investorlar uchun raqobatni kuchaytiradi. <\/p>\n<h3>Nima bo\u2018ldi<\/h3>\n<ul>\n<li>Crunchbase News ma\u2019lumotlariga <a href=\"https:\/\/news.crunchbase.com\/fintech\/funding-jumped-big-checks-ai-ye-2025\/\">ko\u2018ra<\/a>, 2025-yilda fintech startaplari $52,4 milliard jalb qilgan, bu 2024-yildagi darajadan yuqori, ammo 2021-2022-yillardagi eng yuqori ko\u2018rsatkichlardan sezilarli darajada past.<\/li>\n<li>Shu bilan birga, bitimlar soni kamaydi, garchi raundlar hajmi o\u2018rtacha o\u2018sgan bo\u2018lsa-da, bu moliyalashtirish konsentratsiyasini aks ettiradi.<\/li>\n<li>Materialda 2021-2022-yillardagi portlash sabablari va 2025-yilda investitsiyalarga yondashuvning o\u2018zgarishi bo\u2018yicha eng yirik bitimlar va investorlarning sharhlari keltirilgan.<\/li>\n<\/ul>\n<h3>Raqamlar va faktlar<\/h3>\n<ul>\n<li>2025-yilda fintech startaplari 52,4 milliard dollar, 2024-yilda esa 40,8 milliard dollar jalb qilgan.<\/li>\n<li>Taqqoslash uchun, eng yuqori ko\u2018rsatkichlar 2021-yilda 141,6 milliard dollarni, 2022-yilda esa 90,2 milliard dollarni tashkil etgan.<\/li>\n<li>2025-yilda 3457 ta bitim tuzildi, bu 2024-yilga (4486 ta bitim) nisbatan 23 foizga kam.<\/li>\n<li>Yirik bitimlar orasida: Polymarket \u2014 Nyu-York fond birjasi egasidan $2 mlrd, Binance \u2014 Abu-Dabi hukumati MGX fondidan $2 mlrd, Kalshi \u2014 $1 mlrd.<\/li>\n<li>Crunchbase so\u2018rovida qatnashgan investorlarning so\u2018zlariga ko\u2018ra, 2021 va 2022-yillar Covid-19 pandemiyasidan keyin bozorlarning tiklanishi tufayli &laquo;anomal&raquo; bo\u2018lgan.<\/li>\n<li>2025-yilda, ularning so\u2018zlariga ko\u2018ra, fintexga bo\u2018lgan qiziqish yana oshdi, ammo investorlar \u201csaqlanib qolayotgan geosiyosiy noaniqlik\u201d fonida yanada tanlovchan bo\u2018lib qolishdi.<\/li>\n<li>Qayd etilishicha, investorlarning fikriga ko\u2018ra, 2021-2022-yillardagi shov-shuvga qaytish maqsadga muvofiq emas: o\u2018shanda, ularning fikricha, investitsiyalar \u201craqamlashtirishga ommaviy ishtiyoq\u201d bilan oziqlangan, endi esa e\u2019tibor startaplarning \u201csifati\u201d va g\u2018oyalarning o\u2018ziga xosligiga qaratilgan.<\/li>\n<\/ul>\n<h3>Mohiyat<\/h3>\n<ul>\n<li>Bitimlar sonining kamayishi bilan jalb qilish summasining o\u2018sishi kapitalning kam sonli kompaniyalarda to\u2018planishini va ko\u2018pincha yirikroq raundlarga borishini anglatadi.<\/li>\n<li>Geosiyosiy noaniqlik haqidagi eslatma loyihalarni ehtiyotkorlik bilan tanlashni tushuntiradi va bozorni 2021-2022-yillardagi haddan tashqari qizib ketgan darajaga qaytishdan saqlab qolishi mumkin.<\/li>\n<li>Polymarket, Binance va Kalshi\u2019dagi yirik raundlar shuni ko\u2018rsatadiki, bozor uchun keng ko\u2018lamli va tushunarli ta\u2019sirga ega bo\u2018lgan o\u2018yinchilar hali ham sezilarli mablag\u2018larni olishmoqda.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>2025-yilda 3457 ta bitim tuzildi: eng yiriklari Polymarket va Binance bo\u2018lib, ular 2 milliard dollardan mablag\u2018 jalb qildi.<\/p>\n","protected":false},"author":7,"featured_media":15387,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2026\/01\/696c7e41ecee2.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":15387,"YlB8HH34jIzY":"Fintexga investitsiyalar ko\u2018paydi, bitimlar kamaydi"},"pin_until":"","footnotes":""},"categories":[3762],"tags":[994,760,848],"class_list":["post-15400","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sarmoyalar","tag-fintex","tag-finansy-uz","tag-sarmoyalar"],"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>Fintexga investitsiyalar ko\u2018paydi, bitimlar kamaydi &#8212; 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