- SMEs with long payment terms (Net 30/60/90)
- Recurring-expense B2B businesses
- SaaS and subscription-based companies with predictable revenue
- B2B marketplaces
- Early- and growth-stage startups
– Credit Portfolio Insurance
Covers up to 90% of loan value → significantly reduces lending risk
– Structured Default Reserve Fund
Formed from Modu’s revenue → acts as a financial buffer for non-performing loans
– Built-in Non-Payment Risk Hedging
AI-based credit scoring, real-time monitoring & adaptive exposure limits.
- 3D Secure (3DS) for safe online payments
- Multi-factor authentication for account access
- Four-eye authorization for outgoing supplier payments
- What are Modu virtual credit cards?Modu virtual credit cards are digital-only credit cards that link directly to your Modu account and are ready to use immediately after creation. Once you are approved for our card program, you can generate as many virtual cards as you need.
- Do Modu cards work everywhere?Modu issues physical and virtual cards on the Visa network, so they work wherever Visa is accepted. That gives you global reach across millions of online and offline merchants in 200+ countries.
Beyond basic acceptance, Modu cards include modern payment controls and protections – instant virtual-card issuance for secure online payments, 3-D Secure for e-commerce, real-time spend controls, and the ability to freeze or replace cards instantly if needed – so you get both wide acceptance and enterprise-grade security. - What is the difference between Modu Debit and Modu Credit?Modu Debit is a pay-as-you-go corporate card linked directly to your business account. You can top it up instantly and start using it right away – no credit checks or additional onboarding – making it ideal for managing everyday expenses with funds you already have.
Modu Credit gives qualified businesses access to flexible working capital – up to 60% of their available cash balance – with repayment terms from 30 to 360 days. It’s built for growth, helping you cover larger expenses, smooth cash flow, and seize opportunities without tying up your own capital.
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Disclaimers and footnotes
Modu is a financial technology company, not a bank. Banking and payment services in Kazakhstan are provided by Bank RBK JSC (License No. 1.2.100/245/41, issued by the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market – AFRDFM). All client accounts and transactions are held and processed by Bank RBK JSC under applicable laws of the Republic of Kazakhstan.
Funds deposited into Modu Business Accounts are protected by the Kazakhstan Deposit Insurance Fund (KDIF) within the limits established by law. Deposit insurance covers the failure of an insured bank.
Modu operates as a Banking-as-a-Service (BaaS) platform, providing financial technology services in partnership with Bank RBK JSC and other licensed financial institutions. Certain additional services, including payment processing, lending, or investment products, may be offered through Modu’s partners or affiliates under separate licenses.
All loans are subject to approval, including credit and collateral assessment, and may carry restrictions on availability. Nothing herein should be construed as a commitment to lend. Investing in securities or treasury products involves risk, including possible loss of principal. Past performance is not a guarantee of future results.
Cards issued under the Modu program are provided by licensed banking partners pursuant to agreements with Mastercard® or Visa®. Cards can be used where Mastercard® or Visa® cards are accepted, subject to applicable restrictions.
Modu does not provide legal, tax, or investment advice. Please consult your advisors regarding your specific situation.
