"AYO" Universal Credit Organization CJSC is a financial institution registered and licensed by the Central Bank of the Republic of Armenia since January 2021 (License No. 44). The company's mission is to deliver fast, accessible, and affordable financial services by leveraging modern technology. Its primary services include providing online consumer and business loans to individuals and legal entities within Armenia. The organization also engages in capital-raising activities, such as issuing and placing corporate bonds on the Armenian stock exchange.

Founded in

Armenia