Priced for a shop, not a bank.

No. The shop keeps its own capital, its own margin and its own customer. Nous is the software layer that decides who is safe to sell to and then runs the plan. We are not a lender and we never take the receivable onto a balance sheet.

Three sources. The plan outcomes merchants on Nous contribute about their own customers, the document and identity checks we run at the counter, and signals the buyer consents to share. A buyer with no file is scored as a thin file and gets a conservative limit rather than a refusal.

Merchants see aggregate exposure, meaning how many active plans and what repayment behaviour. They never see another shop's customer records or contract terms. Buyers consent to the check at the counter the same way they do for any installment application. Our data handling follows Uzbekistan's personal data law, and we are building toward a formal credit information arrangement as we scale.

Reminders fall back to SMS and then to a call task for the shop. Cash payments are recorded by the cashier in two taps, so the schedule stays accurate whether or not the buyer ever opens an app.