At the QBR of the National Bank, the Chairman of the Board of the National Payment Corporation, Zhanar Samayeva, presented the key results of the first quarter of 2025 regarding the implementation and development of the National Digital Financial Infrastructure (NDFI).

The NDFI covers the entire range of digital payment solutions and combines tools for interbank interaction, digital trust infrastructure, data exchange systems, and fraud prevention mechanisms.

Key achievements of Q1 2025:

• Up to 90% of the country’s payment turnover passes through the NDFI infrastructure.
• The average daily transaction volume amounted to 5.7 trillion tenge.
• Approximately 3 million biometric identifications were recorded per month.
• Fraudulent transactions worth over 2 billion tenge were blocked.

Open API and P2P transfers

Since March 2025, the industrial operation of the P2P service via phone number has started. Test transfers between customers of different banks are already available in 3 banks. Throughout the year, it is planned to gradually connect all digital second-tier banks.

Anti-fraud center

The anti-fraud platform, based on the data of the NPCK, operates in partnership with 169 participants. During the quarter, over 36,000 incidents were recorded, more than 2 billion tenge was blocked, and 141.3 million tenge was voluntarily returned to customers.

Artificial intelligence is used to analyze incidents: the most common ones include false calls, false investment schemes, and phishing websites. The launch of the AI model is planned for Q2 2025.

Digital Tenge

Digital tenge is being introduced as a tool for controlling the targeted use of state funds. In Q1, two key mechanisms were implemented – marking and holding of funds. Over 250 billion digital tenge has been issued into circulation.

Pilot scenarios are already in place for the return of investment subsidies, targeted lending, VAT administration, marking funds in public procurement, and transfers from the National Fund.

Unified QR code

A payment system with a unified QR code has been developed and is ready for implementation. Negotiations with banks are underway, and the pilot launch is scheduled for the third quarter of 2025.