zypl.ai Secures $5.5 Million Bridge Round to Scale AI Credit Scoring Globally

UAE-headquartered fintech startup zypl.ai has closed a $5.5 million bridge funding round, pushing its valuation to $80 million. The investment was led by Silicon Valley-based Carbide Ventures and included participation from prominent business leaders such as Shukhrat Ibragimov. The new capital is earmarked for global expansion and the deployment of next-generation AI solutions across key financial markets.

Founded in 2021 by Azizjon Azimi, the company specializes in generative AI for financial services. Its proprietary model, zGAN, generates outlier synthetic data to help banks make accurate decisions during volatile market conditions. This approach allows institutions to stress-test their models against rare economic shocks and fraud patterns without relying solely on sensitive historical customer data.

The zGAN technology is integrated into Lucid, a no-code SaaS platform that enables financial institutions to build and deploy machine learning models autonomously. Currently, zypl.ai serves more than 60 financial institutions across 20 markets worldwide. The company has already underwritten over $600 million in loan portfolios while maintaining an exceptionally low portfolio-at-risk rate of less than 1 percent.

Strategic investor Shukhrat Ibragimov, CEO of Eurasian Resources Group, brings significant banking expertise to the firm as Chairman of the Board for Eurasian Bank. His involvement, alongside existing backers like Prosus Ventures, underscores deep confidence in zypl.ai's ability to scale its enterprise solutions. Carbide Ventures, which first invested a year ago, noted the team's rapid execution as a primary driver for their continued support. Azimi, an alumnus of Stanford and Harvard, initially conceptualized the startup at the Stanford University Startup Garage. Since its inception, the company has seen its valuation climb from $6 million in 2022 to the current $80 million mark. With $8 billion in committed portfolios for underwriting in 2026, zypl.ai is positioning itself as a dominant force in AI-driven credit decisioning.