Kaspi’s Super App packs 7 services into one app

What does Kaspi.kz actually put inside its Super App?

Kaspi.kz combines payments, shopping, travel, and government tools in one app for 25 million users.

1. Payments

Kaspi’s payments layer is the entry point for much of the app’s daily use. It gives consumers a way to move money and pay for services without leaving the same mobile experience.

For a super app, payments matter because they connect the rest of the product. Once a user is already paying in the app, it becomes easier to add shopping, bookings, and other services around that behavior.

• Used across everyday transactions
• Built into the same app as other services
• Supports the two-sided model for consumers and merchants

2. E-commerce

Kaspi includes e-commerce alongside financial tools, which means users can browse and buy without switching platforms. That mix is part of the appeal of the app’s all-in-one design.

This matters for merchants too. With more than 900,000 merchants in the ecosystem, the app gives sellers a direct path to a large consumer base while keeping the purchase flow inside one product.

• Shopping is integrated with payments
• Works within the same consumer app
• Connects merchants to a large buyer base

3. E-grocery

Kaspi also folds grocery shopping into the app. That pushes the product beyond occasional use and into more frequent, household-level activity.

For readers trying to understand the company’s strategy, e-grocery shows how Kaspi wants the app to cover routine needs, not just financial ones. It is one more reason the app can stay relevant throughout the week.

• Designed for regular purchases
• Lives alongside payments and commerce
• Fits the app’s daily-use pattern

4. Fintech

Fintech is the core category behind Kaspi’s broader service mix. The company says its mission is to improve people’s lives by developing mobile products and services, and financial tools are central to that goal.

In practice, fintech gives the app a base layer for account activity, transactions, and user engagement. It is the infrastructure that helps the rest of the services feel connected rather than separate.

• Core part of the Super App model
• Supports consumer and merchant activity
• Anchors the other service categories

5. Travel, classifieds, and government services

Kaspi’s app also includes travel, classifieds, and government services, which broadens it from a commerce app into a daily utility. That range is unusual because it bundles consumer, marketplace, and public-service functions together.

The company says the Super App operates in Kazakhstan and Türkiye and serves more than 25 million consumers. Those numbers help explain why adding more service categories can matter: the app already has scale, so each new function can reach a large audience quickly.

• Travel booking sits in the same app
• Classifieds add another marketplace use case
• Government services bring utility beyond shopping

How to decide

If you want the shortest answer, Kaspi is best understood as a super app that combines money movement, shopping, and everyday services in one place. The headline number to remember is 25 million consumers, which shows how large the platform has become.

If you care most about the business model, focus on the two-sided structure: consumers use the app for daily tasks, while 900,000 merchants gain access to that traffic. That combination is what makes the product more than a simple payments app.