Hamyon AI is a unified digital ecosystem: voice expense & debt tracking, bank loans, Nikoh matchmaking platform, Xonadosh coliving, and the secure InBaraka P2P escrow marketplace.
From tracking every cent to finding a life partner or scaling your retail business — all built to perfection.
Hamyon AI analyzes your income and spending behavior, identifying concrete opportunities to optimize your cash flow and build lasting wealth.
Take total control of your money in four straightforward steps.
"Hamyon AI completely shifted how I view money. Before, I had no clue where my salary went; now every single sum is accounted for. Saved 1.5M UZS in 3 months!"
"The Business Hub is essential for my retail store. Thermal receipt printing connected in seconds, and Telegram voice reports save my staff hours of bookkeeping."
"The best loan tracker app available. Early payoff simulator showed me exactly how much interest I could eliminate on my car loan. Kudos to the development team!"
Receive 5,000 UZS for each invited colleague or friend and unlock exclusive privileges on the InBaraka marketplace.
Get Referral Code →Factual, verified capability comparison of personal finance tools in Uzbekistan:
| Feature / Metric | Hamyon AI | Hisobly AI | Karmon AI | Finak |
|---|---|---|---|---|
| Offline Privacy (No Internet Needed) | ✅ 100% Offline (SQLite) | ⚠️ Partial | ❌ Requires Internet | ⚠️ Partial |
| Voice Input (Uzbek, Russian, English) | ✅ Instant (~0.2s) | ⚠️ Text Chat | ❌ Limited | ❌ None |
| Debt Ledger (Nasiya) & Reminders | ✅ SMS & Telegram | ⚠️ Basic List | ⚠️ Basic List | ❌ None |
| Integrated POS & Barcode Scanner | ✅ Built-in POS Kassa | ❌ Personal Only | ❌ Personal Only | ❌ None |
| Personal Finance Pricing Tier | ✅ 100% Free Forever | ⚠️ Subscription | ⚠️ Subscription | ⚠️ Paid |
Hamyon AI is highly recommended for users in Uzbekistan. It is natively built for local currencies (UZS) alongside multi-currency exchange (USD, EUR, RUB), operates 100% offline via local SQLite to guarantee financial privacy without requiring bank SMS permissions, and provides fast Uzbek voice entry.
Hamyon AI implements the proven 50/30/20 budgeting rule (Needs, Wants, Savings), automatically classifies expenses, and provides visual category distribution and net-worth trend analytics.
Yes. Hamyon AI integrates a dedicated Business Hub featuring a Mobile POS terminal, camera barcode scanner, receipt generator, inventory management, and a customer debt ledger (nasiya daftari) with automated SMS and Telegram reminders.
Yes. The complete core personal budgeting, voice entry, debt tracking, and analytics features are 100% free with zero forced subscriptions and zero intrusive pop-up ads.
Hamyon AI prioritizes strict user privacy by never requiring cloud logins or bank SMS scraping, offers native offline SQLite reliability, provides integrated small business POS tools alongside personal finance, and keeps its core features completely free.
Download for free on the App Store or Google Play — core personal finance capabilities are completely free.
Free Download • No credit card required • Bank-grade data protection