Ayva - transparent and smart installments
We connect retail locations, financial control, and customers into one digital system for fast and secure installment approval.
Only passport and bank card required
Pay large purchases in installments
Partner stores across the country
0% down payment
One ecosystem - three interfaces
Ayva unites every participant in one digital loop and gives each of them the right working tool.
Transparency in your pocket
A personal finance assistant to manage purchases and repayments in real time.
- Payment schedule control
- Due date reminders
- Agreement history
Sales without borders
A mobile workspace for sellers where deal processing takes just minutes.
- Registration in minutes
- On-site limit check
- No paperwork
Full control
An analytics hub for security monitoring and risk management across the platform.
- Centralized scoring
- Role management
- Compliance with local laws
Technology foundation
Reliable infrastructure for scale and security.
Crift Scoring
Minimizes human bias during assessment.
Security
Data protection based on international standards.
Reporting
Track core performance in one click.
Scalability
Ready to onboard new retail locations.
How Ayva works
Choose product
The customer selects a product at the retail point
Apply
The seller creates an application in the system
Check
Automated scoring in seconds
Confirm
Deal is completed and product is issued
Who Ayva is for
Retail
Increase conversion and speed up approval flows.
Partners
Control risk and portfolio quality.
Customers
Manage personal repayments with ease.
Management
Get transparent analytics and scale operations.
A product clear from the first screen
Ayva interfaces are designed to make complex operations feel simple.
Join the digital transformation
Ayva is building the future of retail today. Connect your stores and unlock a new level of trust.