Uzbekistan · Horizon published 19 Oct 2026 · Source published 24-25 September 2026 · Reviewed 19 Oct 2026
Uzbekistan sets a 2030 fintech roadmap around sandbox, Open Banking and digital identity
Uzbekistan’s Central Bank approved its National FinTech Strategy for 2026–2030, setting out implementation work around regulatory innovation, Open Banking, open APIs, digital identity and payment modernisation. The roadmap gives financial-services and technology teams a practical structure for selecting one regulated use case and validating it with the right local participants.
Verified facts
- The Central Bank of Uzbekistan approved the National Strategy for the Development of Financial Technologies for 2026–2030 on 24 September 2026.
- The Central Bank identifies six priorities including an enabling fintech ecosystem, risk-ready supervision, regional integration, technology-driven finance and a trusted financial environment.
- The published strategy page identifies an Innovation Hub, an enhanced regulatory sandbox, Open Banking and Open API standards, digital identity infrastructure and payment-system interoperability as implementation themes.
- At a 25 September 2026 press conference, the Central Bank also discussed wholesale central-bank digital currency analysis for interbank and financial-institution settlements, including potential cross-border use where partner-country systems are interoperable.
- The Central Bank’s current payment-organisations register provides a primary route for identifying licensed payment institutions and electronic-money systems relevant to a proposed local workflow.
Horizon view
The strategy is a useful operating map, particularly because it links innovation mechanisms, data and identity infrastructure, payment modernisation and regional connectivity. It is not a licence or commercial-access announcement. A credible market-entry case begins with one defined workflow and a named regulated-participant structure.
Commercial implication and next step
For a payment, fintech, software or enterprise-treasury proposition, select one use case such as merchant collection, payment initiation, account information, business-to-business settlement or reconciliation. Then map the legal activity, licensed and technical participants, data and consent boundary, domestic and cross-border settlement logic, onboarding, controls, commercial owner, pilot metrics and contract route. Confirm the current permissions and participation terms directly with the Central Bank, the relevant licensed entities and qualified local advisers before presenting an integration, partnership or launch plan.
What to verify before acting
The cited sources do not establish sandbox admission, a licence, API access, bank sponsorship, foreign-provider eligibility, data-transfer permission, payment completion, merchant acceptance, pricing, customer demand, contract or transaction. This is not Uzbekistan banking, payments, AML/CFT, data-protection, tax, sanctions or legal advice.
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