kursTJS

About

kursTJS is not just a currency exchange rate informer, but a full-fledged FinTech platform (financial marketplace) inside Telegram and with the website kurstjs.com oriented to the Tajik market. The bot solves daily financial tasks of the population by combining services of different banks in one window: Currency rates monitoring: Shows current buy and sell rates of 9 currencies (USD, RUB, EUR, CNY, etc.) in banks of Tajikistan. Allows you to quickly compare where it is more profitable to exchange money right now (Eskhata, Amonatbank, Dushanbe City, etc.). On the site kutstjs.com/credit you can find out the current interest rates of banks Credit Broker (Lead Generation): Loan application submission: User can submit loan application to multiple banks at once through the bot. Loan Calculator: Calculation of monthly payment. Promotions: Information about preferential rates and special offers of banks. Tools: 1. Currency Converter: Instantly recalculate amounts at current exchange rates. 2. ATM Locator: Search for the nearest cash withdrawal points (addresses). 3. 3. Notifications: Notifications about exchange rate changes or the need to repay a loan (user retention). 4. Credit calculator. 5. Loan application. 2. Metrics and Audience (Traction) User base: More than 60,000 subscribers. Geography: 95% of users are in Tajikistan. Activity: More than 20 million currency exchange rate queries generated. The main interest of users is Eskhata Bank and Dushanbe City (50% of requests). Financial flow (applications): Applications for loans worth millions of TJS have passed through the bot (for example, more than 500 applications worth about TJS 6 million were passed to Amonatbank alone). Dynamics: In 2022 there were ~5000 users, in 2024 - more than 30,000. The project is scaling up by multiples and in 2025 already 60,000. 3. Ecosystem The project is being developed as part of a media network: There is already a website: kurstjs.com (works in conjunction with a bot as a web version). 4. Monetization (How the project earns) Coming soon: CPA (Cost Per Action): Cooperation with banks. Banks pay a commission for loans issued on applications from the bot. This is the most profitable part. Advertising: Selling promotional mailings to the base (seeding). Sponsorship: Banks can pay to highlight their course as "Recommended". Lead Generation: "Apply for a Card" or "Apply for Credit" button right in the bot when viewing the course. Branding: Placing the bank's logo/newsletter on the kurstjs.com website E-wallet: You can create your own e-wallet in the future as the audience is already there and gathering. 5. Prospects and Investment Attractiveness For an investor, this asset looks attractive for the following reasons: Monopoly in the niche: The largest and most functional financial bot and website in Tajikistan, we are already talked about and recommended. Ready-made infrastructure: No need to spend money on development, the product already works and brings money/leads. Relevance: In Tajikistan, high volatility of exchange rates and a large volume of money transfers, the service covers the daily need of people. Convenience: The user does not need to visit 10 sites of different banks, everything is collected in one place. Speed: Updating every 5 minutes is a great competitive advantage. Expansion plans: Entering Uzbekistan and Kazakhstan, which will multiply the market volume. Bottom line: This is not a "startup on paper", but an existing business with proven demand. Investments in marketing are needed to "squeeze" the audience (increase the base from 60k to 300k+) and strengthen the position in front of banks.