Digital Revolution: How Freedom Finance Is Betting on Artificial Intelligence

Freedom Holding Corp. continues to deliver strong growth while solidifying its presence in international markets. In the third quarter of fiscal year 2025 (October–December 2024), the company’s revenue hit $655.2 million — a 57% increase year-over-year.

“Freedom Finance is actively expanding its ecosystem, entering new markets and industries. A major milestone in our evolution has been the adoption of advanced technologies and artificial intelligence.”

Here’s what the fintech group looks like today — and where it’s headed.

A Digital Empire

Over nearly 17 years of growth, Freedom Finance has evolved from a small brokerage firm into a diversified holding operating in 22 countries. The company has consistently adapted to changing markets, investing in emerging sectors shaping the future of Kazakhstan and the broader region.

For example, in February, the company secured a license to open Freedom Bank in Tajikistan — a strategic step in expanding its Central Asian footprint. Today, the Freedom Finance ecosystem is no longer limited to financial services — it’s a fully integrated digital infrastructure spanning brokerage, banking, insurance, fintech, marketplaces, telecom, and technology.

This expansion isn’t just a corporate initiative — it’s a response to market demands and a strategic decision to offer people more ways to manage their money and daily lives, according to Freedom Holding.

Investing in Technology and AI

Freedom Finance is making significant investments in technology and artificial intelligence (AI), which are already embedded in internal operations. For instance, on its proprietary Tradernet platform, AI powers portfolio analysis and personalized investment recommendations, helping individual investors make smarter decisions.

“Digital products allow us to understand our clients on a deeper level. With the help of AI and Big Data, we can offer people exactly what they need — even before they know they need it,” says Timur Turlov, founder and CEO of Freedom Finance Global.

At the center of the ecosystem is the Freedom SuperApp — a platform that lets users manage their finances, invest, buy insurance, and earn rewards in Freedom’s digital currency.

Digital Currency

Launched in spring 2024, Freedom’s digital currency was a game-changer in the Kazakhstani market. It was designed to simplify investing by turning everyday cashback into equity ownership. The currency is pegged to shares of the holding, so as the stock value rises, so does the user’s balance.

According to Turlov, this innovation makes it possible for anyone to feel like an investor — even without prior stock market experience.

Users can start investing in just minutes — fully online. Register in the Freedom Broker app, complete a short verification, and you’re ready to go. Through the Tradernet platform, clients can access major global markets — trading Apple, Amazon, NVIDIA, Tesla, and more. Tradernet also offers access to IPOs, allowing users to invest in companies before they go public. The platform supports 19 languages.

“Investing isn’t just a way to grow your money — it’s also a way to protect it and make it work for you,” says Timur Turlov, CEO of Freedom Holding Corp. “IPOs offer the opportunity to invest at a company’s earliest stage — it’s risky, but the upside can be huge.”

Expanding the Map

Kazakhstan is increasingly viewed as a top investment destination, thanks to its economic stability and mature financial system. High deposit yields — up to 7.4% annually in foreign currency — and deposit guarantees up to $50,000 further add to its appeal.

But Freedom Finance isn’t stopping there. In 2025, the company will launch its new brokerage firm, Freedom Yatırım Menkul Değerler AŞ, in Turkey.

“Turkey is a large, dynamic market with strong investor activity,” notes Turlov. “Our advanced technologies are a perfect match for it.” A banking license in Turkey may follow.

Tajikistan is another key growth market. Freedom Holding Corp. will launch a fully digital retail bank there in spring 2025 — making it the first Kazakhstani financial group to enter the country’s banking sector.

“Tajikistan is naturally connected to Kazakhstan. Financial flows between our countries are growing. People want faster, easier ways to send money, make payments, and save. We’re here to deliver exactly that,” says Turlov.

“From day one, our bank in Tajikistan will be digital — no traditional branches. That allows us to scale fast and deliver modern financial services to millions of people.”

Compliance and Security

Data protection is critical for any digital ecosystem to succeed. Freedom operates a robust AI-powered compliance system that automatically screens transactions and assesses risk.

“Freedom Finance has one of the most advanced client verification and fraud prevention systems in the region,” the company states.

Turlov believes that success will belong to companies that can not only adopt new technologies — but do so quickly and efficiently.

“To stay competitive, you need to leverage AI to the fullest — and we’re already well ahead in that area,” he says.

Moving Forward

Freedom Finance sees digital transformation not as a trend — but as a necessity for sustainable growth. Today, more than 7 million users rely on the company’s products for investing, payments, insurance, and financial management.

“We’re not stopping here. The economy is changing — and we must evolve with it. Our mission is to build an ecosystem where money doesn’t just sit — it works for our clients and improves their lives,” concludes Timur Turlov.