Company: FRHC
Filing Date: 2025-06-13
Form Type: 10-K
Source: 0000924805-25-000012
Chunk: 50

Company: Freedom Holding Corp.
Filing Date: 2025-06-13
Form: 10-K
Item: Item 1
Chunk 50
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 pre‑planning. Unspent card balances can be routed back to the brokerage account with one tap, eliminating idle cash drag. The product is the first of its kind in Kazakhstan and materially increases trading stickiness and interchange income.

13

•Power Card (parental‑control prepaid). Designed for children aged 5‑18, the card lets parents set spend ceilings, merchant category blocks and usage hours. APIs to education platforms trigger micro‑cashback for good grades and attendance, reinforcing financial literacy and retention of the next generation of customers.

•Premium Deposit Card (Visa Infinite / Mastercard World Elite, launch Q2 2025). A bundled high‑yield deposit account and metal card offering global lounge access, concierge service, travel insurance and elevated loyalty earn rates. The entire application journey from KYC to contract signing is executed in‑app; the card is delivered by courier once documentation is verified.

SME functionality - Freedom Business

Freedom Business extends the SuperApp to legal entities, providing mobile access to current accounts, FX, payroll and tax payments. Merchants can issue QR invoices, manage POS devices and create an online store without coding skills. Sales data transmit automatically to the tax authority (OFD) and feed the Bank’s credit models, enabling pre‑approved overdrafts and instalment financing offered through the affiliated micro‑finance company, Freedom Finance Credit.

Technology, big‑data analytics, security and compliance. A central data lake ingests click‑stream activity, transaction records, credit‑bureau updates and third‑party feeds (e.g., property registries, vehicle VIN databases). The dataset anchors all advanced analytics:

•Proprietary scoring models combine multiple behavioral and financial variables to inform loan decisions and credit‑line recalibrations.

•Real‑time antifraud and sanctions screening leverage graph analytics against Dow Jones, World‑Check and national registries.

•Personalized product recommendations and loyalty boosters are generated by machine‑learning models that evaluate balance trends and purchase histories.

Big‑data platform reduced manual compliance processing times from up to two days to approximately eight minutes, while maintaining independent audit‑trail requirements.

Tradernet Platform 

Tradernet is our flagship online trading platform designed for a wide range of investors, offering a comprehensive and user-friendly trading experience. The platform allows users to trade a diverse array of financial instruments, including stocks, options,