Frequently asked questions

Finmind (finmind.uz) is an all-in-one financial-intelligence platform for Uzbekistan. It consolidates the country's capital markets, valuations, commodities, banking rates and macro data into one workspace, with tools for investing, budgeting, tax, advisory and more.

Retail investors, brokers and institutions, banks/insurers/funds, regulators and educators: anyone who needs Uzbekistan's scattered financial data unified and made actionable.

No. Finmind is an intelligence and tooling platform. For live trading it connects to your existing fondbozori.uz brokerage account; it never holds your money.

One workspace for every Uzbek financial data source, transparent comparable metrics, honest data (we never fabricate a price or a number), halal-aware tooling, a free core for learning, portfolio and manual trading, and pay-per-feature pricing for the rest.

Finmind is installable as a PWA. Open it in your phone browser and 'Add to Home Screen' for an app-like, offline-capable experience. A dedicated store app may follow.

English and Uzbek (Latin script). Switch with the language menu at the top of the page, and a signed-in Finmind account keeps the choice on every device. Market data, issuer names and statutory terms stay as their sources publish them, and there is no Russian interface.

Finmind has a free tier and pay-per-feature modules. Learning, the AI assistant, your brokerage connection, portfolio, the Beginner Simulator, manual trading and the market-wide order book are free for every Finmind account. Every other module is bought individually, time-boxed monthly or annually. There are no rigid all-or-nothing subscription tiers. Add capabilities as your needs grow.

No. The free tier comes with every Finmind account. Beyond it, start with what you need, say Tax Reporting and Gold, and add features later. Your dashboard only shows what you can use.

The pricing page lists every module with its real monthly and annual price in UZS, or marks it free. Inside the app, the Features page lets you buy and manage them.

No. There is no trial of the paid modules, but every Finmind account gets a free tier: courses, lessons and quizzes, the money rules, the AI assistant's answers, connecting and syncing your fondbozori.uz brokerage account with its statements, your portfolio with its live snapshot, ledger and statement import, the Beginner Simulator, placing orders by hand through your connected brokerage account and the market-wide order book. Automation (stop-loss and take-profit, algo trading and autopilot, copy trading and AI trading) stays paid, as do the other modules, monthly or annually, and nothing paid unlocks itself: access is granted to your Finmind account after you request it. For a guided walkthrough or a team pilot, ask us through the form below.

All prices are in Uzbek som (UZS).

Features are time-boxed and nothing renews, so there is nothing to cancel: access lapses at the end of its term. Refunds follow the refund policy: ask through support or /paysupport in the bot with your payment reference; Telegram Stars go back through Telegram, other payments by bank transfer.

On the Features page: tick the features you want, choose monthly or annual, and pay through the Finmind Telegram bot or by transfer against the reference the page shows. The features switch on once the payment is confirmed, and the same page follows the payment from pending to approved.

Official and reputable sources: fondbozori.uz and uzse.uz (equities), uzex.uz (commodities), the Central Bank of Uzbekistan (FX, gold, yield curve, bank rates), UZRVB, UZCSD (dividends/coupons), stat.uz (macro), and Yahoo Finance for global commodities and indices.

Some data is near-real-time (openinfo equity prices refresh through the session; global commodities ~15-minute cached), while others are end-of-day or official-release cadence. Every figure is clearly dated and labeled.

Never. Honest data is a core rule: if a price, rate, dividend or score isn't available, we show an honest 'unavailable' instead of a fabricated value.

The fondbozori REST feed doesn't publish a live intraday order book, so we show the real last-session prices and clearly say the depth ladder isn't available, rather than inventing one.

Valuations combine fundamental, technical and (where available) sentiment inputs from official filings. They're analysis, not guarantees. Always do your own due diligence.

We show the CBU official rate alongside commercial-bank buy/sell rates, each with its own timestamp, so you can find the best real rate.

Yes. Connect your fondbozori.uz brokerage account and place stock and bond orders through a safe, reviewed flow. Orders are validated against the exchange price band before submission.

Safe by default. Live trading is off unless enabled server-side; every order requires an explicit review-and-confirm step, and a mis-priced order is blocked. When live is off, orders are recorded as dry-runs and never sent to the broker.

Only from the broker, and never from silence: fondbozori publishes no fill confirmation, so an order the exchange accepted is shown as submitted with the broker's own order id, never as filled. An executed quantity is recorded only when the broker's own order list reports one; until it does, the fill state is shown as unknown rather than as zero.

Exchange-listed stocks trade within a ±20% daily corridor of the base price, OTC within ±100%. Finmind shows those upper/lower limits and rejects any order outside them.

A synthetic stop-loss watches your holding and automatically places a sell if it trades down to your trigger, but only after you explicitly arm it, and only during market hours on a live price. Nothing sells on stale or zero prices. The same engine also arms take-profit targets that sell when the price trades at or above your target.

The exchange runs 09:30–16:00 Tashkent time (09:30–10:00 opening, 15:30–16:00 closing auctions), Monday to Friday.

No. No automated action places a real order unless you have explicitly enabled and armed it within hard limits, and the platform-wide kill-switch is on. By default, nothing autonomous touches real money.

Yes. Binance and Telegram Wallet (TON) integration is live, and it's strictly read-only: we show your balances and prices only. Your API keys are encrypted at rest, and no orders are ever placed through these connections.

The AI Trading Lab lets you train machine-learning strategies on UZSE stocks, backtest them out-of-sample, and paper-trade automatically. An optional live mode exists behind strict guardrails and is off by default.

Yes. Predictions are probabilistic and based on limited data for thin, illiquid stocks; past backtest performance does not predict the future. That's why paper trading is the default and live mode has hard loss/position limits.

The models are genuinely trained (scikit-learn) on real stored prices, with a real confidence. If there's too little data to train honestly, the strategy simply won't produce a signal. Nothing is faked.

A global kill-switch (off by default), a per-strategy arm, a position-size cap, a daily loss limit, a max-trades-per-day, a per-instrument allowlist, and a halal screen. Every real order must pass all of them plus the normal order validation.

Yes. The AI Assistant is live. It turns plain requests ('balance my portfolio', 'remove haram instruments') into proposed actions that you approve before they run, restricted to your own data and platform information. Approved trades go through the same validated, dry-run-by-default order path as manual orders, and you can also reach the assistant through the linked Telegram chatbot.

Finmind provides analysis and tooling, not personalized investment advice or a guarantee of returns. You always decide and approve actions.

Yes. Instruments are screened: interest-bearing bonds and preferred shares are treated as non-compliant (riba), while common stock is shown as undetermined, never labeled halal without an official ruling.

Yes. It computes zakat at 2.5% on your net zakatable assets against the real nisab (85g of gold at the live spot price, converted to UZS). It degrades honestly if a price is missing.

An income-purification calculator, a sukuk tracker, and murabaha (fixed cost-plus sale) and ijara (lease) calculators, with careful, honest labeling that never presents riba as halal.

Yes. The AI's halal screen blocks bonds and preferred shares from auto-trading, and you set an explicit allowlist of what it may trade.

Yes. Sensitive secrets (brokerage credentials, card PAN/PIN/CVV, bank and deposit account numbers) are encrypted at rest and shown masked (last-4) with reveal-on-demand only. Money is stored precisely (never as an error-prone float).

Every read and write is scoped to your Finmind account, so other users never see your portfolio, budget or messages. Platform staff see only what a support request or a payment review needs, and never your brokerage credentials, which stay encrypted.

Your brokerage credentials are encrypted and used only to place your own read-only inquiries and orders on your instruction. They're never logged or shown.

They're encrypted at rest and masked everywhere in lists; the full number is only revealed when you click the reveal (eye) control.

No. The installable app never caches authenticated API responses or personal data on your device, only the static shell for offline loading.

Yes. Optional 2FA delivers a one-time code to your Telegram at login. It's only enabled after a verified live test delivery, so you can never be locked out by a channel that was never proven to work.

Click Get Started / Login and register with your email. You'll then choose which features to unlock.

Use the password reset on the login screen, or contact support if you're stuck.

Yes. It's fully responsive and installable as a PWA for an app-like experience.

A global search (next to the notifications bell) lets you jump to any feature or page quickly. It is rolling out across the app.

Yes. Settings, then Privacy and data, gives you one JSON file with your profile and every record linked to your Finmind account; the Reports feature also exports your net worth, portfolio and transactions as PDF and Excel.

In Settings, under Privacy and data, after confirming it is you. Deletion runs 14 days later and you can cancel until then; your broker credentials and Telegram chat are removed at once, and payment records are kept as accounting documents. If you cannot sign in, write to support.

Yes. It models personal income tax and correctly applies the 0% PIT exemption on gains from UZSE exchange-traded securities, and can generate a filing summary.

85 grams of gold valued at the latest spot price and converted to UZS via the current USD/UZS rate, all from real sources.

Yes. The official CBU reference FX rates, the government-bond yield curve, the refinancing rate, and per-currency histories are all included.

Yes. Real dividend and bond-coupon data from the Central Securities Depository (UZCSD) is available in the Dividends feature.

Yes. UZEX commodities and their weekly quotes are covered, alongside global commodities from Yahoo Finance.

Yes. The Beginner Simulator gives you 100M UZS of virtual money to buy and sell at real prices, with full P&L and a reset button. It's never connected to any exchange, so there's zero real-money risk.

Yes. Structured investing and personal-finance courses from beginner to expert, with lessons, key terms, quizzes and per-user progress.

TradingView-style candlestick charts with volume and full price history, plus a hover crosshair showing OHLCV, for any listed instrument and for global commodities.

Yes. Compare 2 to 20 stocks side by side (return, volatility, a normalized overlay), and compare returns across whole categories: UZSE stocks, gold, silver, platinum, copper, oil, Bitcoin and the S&P 500.

Yes. A shared household budget (Oila/uy budjeti) lets family members budget together, with strict privacy between households.

Use the contact form below. It reaches our team directly, and we'll get back to you by email.

We aim to reply within a couple of business days. Urgent trading issues are prioritized.

Yes. Send a feature request or feedback through the contact form and it reaches the team directly.

Yes. Reach out about team access, onboarding and custom needs, and we'll follow up.