🚀 Innovation through partnership

通往独角兽之路：让初创企业成为您业务的竞争优势

投资创新，而非投入研发。与 Photon 一起，几周内落地成熟方案，而非数年。

We will help you build a system for rapid innovation adoption in your company.

Discuss opportunities
↓

现代企业面临的挑战

Every day without innovation is a missed opportunity and a loss of market position

竞争加剧

With each level of scaling, competition increases exponentially. From local to international markets - constant innovation is required.

高昂的研发成本

Building your own IT department and R&D requires millions in investment with uncertain outcomes and a long payback period.

变化的速度

While you spend 2-3 years developing a solution, the market moves ahead. Competitors adopt innovations faster.

创新类型

There are 2 main types of innovation

外部创新（产品）

Changes that the customer sees and experiences. They directly improve the product or service.

Examples of improvements:

  • Quality The product became more reliable or better.
  • Price Lower cost for the customer.
  • Functionality New features that didn't exist before.
  • Speed Faster delivery or service performance.
  • Accessibility New sales channels, apps, 24/7 availability.
  • Compatibility Integration with other systems.
Goal: increase the value proposition and market competitiveness

内部创新（组织）

Innovations within the company that the customer doesn't see directly. Result: The company starts working faster, cheaper, and more efficiently.

Examples of changes:

  • New financial model.
  • Business process optimization.
  • Different planning format (e.g., OKR).
  • Implementation of management systems (CRM, ERP).
  • New execution standards.
  • Changes in customer service approach.
Goal: increase organizational efficiency and resilience

引入创新的方法比较

There are 3 main ways to implement innovation in a company

自建（内部研发）

Internal R&D development

  • Implementation time: 2-3 years
  • Cost: $1M - $5M+
  • Risk: Very high
  • Result: Capital expenditure (CapEx)

The longest and most expensive path. Requires hiring an R&D team, diverts resources from core business, and doesn't guarantee results. While you build, the market moves ahead.

购买（现成方案）

Purchasing ready-made solutions

  • Implementation time: Days - Weeks
  • Cost: $1k - $100k+
  • Risk: Low
  • Result: Operating expenses (OpEx)

A quick fix for basic needs, but doesn't provide a competitive advantage. This software is available to all your competitors, and its customization is expensive.

合作（投资与整合）

Investment and integration

  • Implementation time: 3-6 months
  • Cost: $50k - $500k
  • Risk: Low (diversification)
  • Result: Growing asset

The fastest and most effective path to a unique advantage. You don't spend, you invest. Expenses turn into an asset with x2-x10+ growth potential.

我们高效的创新方法：合作，而非自建或购买

Invest in startups, integrate innovations, scale your business

为何"合作"比"自建"或"购买"更有利？

传统银行 vs 创新银行

How a venture fund and startups transform the banking business

传统银行

Classic model

BANK

Loans
Deposits
Cards
Transfers
Implementation speed 2-3 years
Innovation Minimal
Capitalization growth 3-5%
Adaptability Low
VS

创新银行

Innovation ecosystem

🤖 AI Analytics
💳 Token Cards
📊 BI Systems
🔒 Cybersecurity
₿ Crypto Solutions
📱 eSIM + Banking

BANK

Loans • Deposits
Cards • Transfers
+ Innovation
💰
Implementation speed 3-6 mo
Innovation Continuous
Capitalization growth 30-50%
Adaptability High

⚠️ Traditional Approach

  • ✗ High IT department costs
  • ✗ Slow adaptation to changes
  • ✗ Losing customers due to outdated solutions

🚀 Innovative Approach

  • ✓ Investing in startups instead of expenses
  • ✓ Rapid deployment of ready-made solutions
  • ✓ Market leadership through innovation

案例：在银行业落地创新

Here is how the "Partner" model works in practice, turning a bank into a technology leader.

银行

Innovation through startup partnerships

B2B 银行平台

Showcase of innovative business solutions

📊

ERP 系统

Integration with automation startups

🖥️

POS 终端

Next-generation smart checkout solutions

💼

HRM 平台

HR management through innovative startups

📈

业务分析

BI systems from top startups

🚚

物流

Innovative supply chain solutions

Each solution is a ready startup Fast integration into the bank's ecosystem

B2C 银行平台

Innovative products for individuals

💳

Token Card

One card - all accounts and banks

🔑

Card as a Key

Access to hotels, homes, transport

📱

eSIM + Card

Phone number linked to bank card

₿

Crypto Integration

Cryptocurrency wallet linking

🤖

AI Analytics

AI-powered smart financial advisors

Startups as bank products Ready-to-deploy innovations

Bank's Venture Fund

Investments in FinTech startups

"Partner" mechanism instead of "Build" or "Buy"
Invest in startups → Integrate into platforms → Scale
🚀

Startup Selection

Due Diligence and potential assessment

💰

Seed and Pre-A Rounds

Early-stage investments with maximum ROI

🔄

Integration

Rapid deployment into the bank's ecosystem

White-label B2B solutions showcase
Your brand, ready startups

White-label token card
Your brand, innovative product

Operating partner
of the bank's fund

Startups as Bank Products (Startups as a Product)

Each module in the Gluon and afin platforms is a separate startup integrated into the bank's ecosystem. The bank's venture fund invests in these startups, helping them grow and scale within the banking platform.

Result: The bank receives a constant stream of innovations, capitalization growth through investments, and competitive advantages without needing a massive IT department for developing niche products. The IT department's tasks in this case are directed toward solving strategic challenges, large-scale projects, and infrastructure issues.

What does the bank get?

  • 🎨 White-label platforms - fully branded for the bank (Gluon for B2B and afin for B2C)
  • 🏢 On-premise solutions - all data stored in the bank's infrastructure
  • 📈 Capitalization growth - through a startup portfolio (x2-x10+ potential)
  • ⚡ Rapid deployment - ready solutions instead of years of development
  • 🔄 Continuous innovation - new startups regularly added to the ecosystem

Your company's scaling level and efficiency determine its value

Innovations create competitive advantages that drive efficiency growth and ultimately increase company value. At the same time, with each stage of scaling, the level of competition grows, as does the need for frequent innovation adoption.

Scaling level based on market size examples

low level
Competition level
high level
below market average above market low level average high level
Scaling level →
Efficiency level (by market) →
intercity (Tashkent)
↑
interregional (Uzbekistan)
↑
cross-country (Central Asia)
↑
multi-regional (CIS)
↑
intercontinental (Eurasia)
↑
international (global)
Innovations create competitive
advantages and efficiency growth
A company with the best technologies
and products captures markets,
increasing its capitalization
10x
Competition growth when entering a new market
73%
Of companies lose their positions without innovation
1-2 years
"Idea → MVP → pilot with customer" cycle for traditional business
3-6 mo
"Idea → MVP → pilot with customer" cycle for market leaders

How We Work

From idea to implementation in 3-6 months

1

Analysis

We study your needs and growth opportunities

2

Selection

We find the best startups for your goals

3

Investment

We structure deals and take equity positions

4

Integration

We deploy solutions into your ecosystem

We work across all industries

From banks to manufacturing - innovation is needed everywhere (see the banking example above)

Banks & FinTech

White-label platforms, token cards, AI scoring, crypto integrations

Manufacturing

Drones for inspections, IoT monitoring, predictive analytics

Retail & E-commerce

Personalization, smart logistics, omnichannel solutions

Healthcare

Telemedicine, AI diagnostics, clinic management

Logistics

Route optimization, tracking, warehouse automation

Education

EdTech platforms, VR/AR training, adaptive testing

Our Numbers

20+
Portfolio startups
$5M+
Under management
15+
Implemented innovations
x2-x10+
Investment growth potential

Ready to outpace the competition?

Schedule a meeting and learn how startups can transform your business

Schedule a meeting

Ready to become part of the ecosystem?

Submit an application for investment or partnership - we review applications within 5 business days.

Submit application 联系我们