Wolter Invest — Own the assets, earn a share of net profit

709+ Active Riders20 Swap Stations7,440+ Battery Swaps48 Days of Pilot Data75% Projected IRR14-Month Payback$14,710 Per Cluster30 Clusters AvailableIslamic-finance compliantAsset-Backed Returns709+ Active Riders20 Swap Stations7,440+ Battery Swaps48 Days of Pilot Data75% Projected IRR14-Month Payback$14,710 Per Cluster30 Clusters AvailableIslamic-finance compliantAsset-Backed Returns

The problem

The battery is a courier's biggest barrier.

Three things cap a courier's income:

Charging time

Charging a battery takes hours — the courier can't work meanwhile and income stops.

Battery cost

Owning a battery is a large outlay. Many couriers can't afford it.

Downtime

A dead or broken battery means no orders, no income. A direct loss.

Why now

The delivery economy is growing — couriers need reliable power.

📈 Delivery boom

E-commerce and food delivery are growing fast in Tashkent — courier numbers and daily trips keep rising.

⚡ Shift to electric

The shift from petrol motorcycles to e-bikes is accelerating — charge and downtime remain the main barrier.

🔋 Battery economics

The swap model cuts downtime to zero and turns a large cost into a manageable monthly fee.

Exact market-size figures (TAM/SAM) are being validated by independent research — no estimated market numbers are shown on this page.

How it works

BaaS + e-bike — one ecosystem.

The atomic unit of investment is one balanced cluster:

× 1

Cabinet

Battery-swap station — with IoT, GPS and remote control.

× 14

E-bike

An e-bike for couriers — runs on a swappable battery.

× 21

Battery

Swappable battery — a continuous-operation buffer at a 1.5 : 1 ratio.

1 Cabinet+14 E-bike+21 Battery=1 Cluster · $14,710

Swap subscription + PAYG

Couriers swap batteries in seconds — monthly subscription or pay-as-you-go.

E-bike rental

Couriers rent an e-bike for a flexible term (7 / 14 / 30 / 60 days).

Why an e-bike asset

Real estate takes years. A Wolter cluster takes months.

How fast each asset pays back:

Asset	Investment	Annual return	Payback
Bank deposit (UZS)	—	~22%	n/a (yield)
Real estate (rental)	—	~9%	~130 mo
Wolter cluster	$14,710	75% IRR	14 mo

Wolter figures are projections based on current pilot run-rate, not a guarantee. Bank/real-estate rates are approximate market benchmarks for comparison.

Investment structure

You own the asset — we operate.

Finance

You finance the asset pool (on an ijara basis).

Ownership

All hardware is your property for the term — in your name.

Operate

Wolter deploys to couriers, maintains and markets.

Income

70% until payback, then 30% of net profit through month 48.

Phase 1 · 70%

Until payback: 70% of monthly net profit to the investor — capital returns on an accelerated basis.

Phase 2 · 30%

From payback to month 48: 30% to the investor — pure net profit.

✓ Iqtino

At the end of 4 years, assets transfer to Wolter (lease-to-own).

Your zone

Capital
Receiving reports
Transparent monitoring

Wolter's zone

Full operations
Service & marketing
Reporting & audit

☪ Islamic finance · Ijarah

The structure is designed to conform to Islamic-finance principles — an Ijarah and Ijarah Muntahia Bittamleek (lease-to-own) model, aligned with AAOIFI Standard No. 9. The asset is held in the investor's name, ownership risk is borne by the investor, and iqtino is formalized via a separate promise.

Ownership & protection

What exactly you own — and what protects you.

🏷️ What you own

Physical assets (cabinet, e-bike, battery) are registered in your name. Not equity — income-producing property via ijara.

🛰️ If Wolter stops

The asset stays yours. Each cabinet has GPS and remote control — location and status are tracked.

↗️ Exit / transfer

The asset can be leased to another operator, sold, or the network transferred. Under iqtino, ownership passes to Wolter at month 48.

Insurance, custody and asset-registry details are provided in documents during due diligence.

Calculator

What you put in — what comes back.

Pick the number of clusters and a scenario — results update live.

Number of clusters

1clusters

Scenario

Investment (CapEx)

$14,710

Full payback

14 mo

Monthly income · Phase 1

$1,071

ROI · 4 years

108%

IRR · annual

75%

Total return over 4 years

$30,589

Phase 1 · 70%Phase 2 · 30%Payback

mo 1mo 24mo 48

Scenario	Payback	Monthly · Phase 1	Total over 4y	ROI · 4y	IRR
Conservative	17 mo	$910	$27,560	87%	59%
Standard	14 mo	$1,071	$30,589	108%	75%
Upside	12 mo	$1,231	$33,770	130%	93%

USD entered→Locked to UZS (day-1 rate)→Everything in UZS

Figures shown in USD for convenience (rate 12,000). No FX risk for a UZS-based investor. Basis: the current pilot's real run-rate, no growth assumed (flat) — conservative. Returns are not guaranteed and depend on actual net profit.

Where the money goes

Every dollar into a physical asset.

100% of the investment goes to hardware — all in your name, with IoT control (full round = 30 clusters):

Asset	Qty × price	Value	Share
E-bikes	420 × $410	$172,200	39%
Batteries	630 × $270	$170,100	39%
Cabinets	30 × $3,300	$99,000	22%
Total CapEx		$441,300	100%

E-bike · 39%Battery · 39%Cabinet · 22%

Operating costs (service, marketing, lease) are on Wolter — not from the investment, covered from revenue.

Transparency

What you receive every month.

A monthly report based on a double-entry append-only ledger — sample format (1 cluster, Standard):

Monthly report · sample1 cluster · UZS

Gross revenue (swap + e-bike)26 983 248

Operating costs− 8 630 068

Net profit18 353 180

Your share (Phase 1 · 70%)12 847 226

Cumulative return / payback status≈ 70% · 10/14 mo

This is a format sample — figures are filled from the real ledger each month. Depreciation is borne by the asset owner (you) per AAOIFI, excluded from profit-share.

Scale

From Tashkent — to the CIS.

Now

Tashkent · Pilot

20 cabinets, 709 users — proven unit economics.

This round

Tashkent · Expansion

+30 clusters — network density and cabinet utilization.

All of Uzbekistan

A multi-city, multi-tenant BaaS platform.

Vision

CIS markets

Regional expansion with enterprise fleet clients.

Transparency

Every risk is accounted for.

Asset-backed ijara — risks are structurally protected:

🛡️

Asset in your name

Even if the company closes, the asset is yours — it can be leased to another operator.

🧱

Ring-fenced project

Returns come only from this asset pool's net profit.

📡

IoT control

Every asset has GPS + remote lock. No payment — no operation.

✅

Real network

709 users, a live pilot — not a projection.

☪

Islamic finance (Ijarah)

Risk-sharing, no riba, asset-backed — an Ijarah structure.

⏳

Illiquidity risk

This investment is illiquid for the 48-month term — an early-exit mechanism is not guaranteed.

💱

FX risk (USD)

Capital and returns are fixed in UZS; som depreciation reduces USD returns.

⚖️

Regulatory risk

Changes in Uzbekistan's financial regulation may affect this structure.

Sensitivity — investor monthly income as net profit falls:

−10%

$964

−25%

$803

−40%

$642

1 cluster, relative to Phase-1 income (Standard). Returns are not guaranteed and depend on actual net profit. Full risk register (22) — in the financial model and data room.

Questions

Frequently asked questions.

Are returns guaranteed?

No — this is profit-share. Returns depend on actual net profit, so we show scenarios (Conservative–Upside) openly. A guaranteed rate would be riba and contrary to Islamic-finance principles.

What exactly do I own?

Physical assets — cabinet, e-bike, battery — in your name. This is asset-backed, not equity.

What if Wolter shuts down?

The asset stays yours. Each has GPS + remote lock — it can be transferred to another operator or sold.

How is net profit calculated?

Revenue minus operating costs (swap 45.9%, e-bike service + VAT 22%). Depreciation is borne by the asset owner (you) per AAOIFI, excluded from profit-share.

Minimum and how am I paid?

From $14,710 (1 cluster). Monthly in UZS: 70% until payback, then 30% through month 48.

Team

Experienced team and advisors.

Akmaljon Nabiev

CEO · Co-founder

Strategy and capital allocation; built and operates Rent Market.

Ayubxon Zokhidullaev

COO · Co-founder

Rollout, uptime and service operations; a reliable-network playbook.

Akmal Paiziev

Angel investor · Advisor

Growth · Partnerships · Scale.

Shukurullo Tadjiev