This service, provided free of charge and on a voluntary basis, allows users to set a "digital lock" on the issuance of any loans, serving as protection against financial fraud.
Users can independently activate the restriction in the "Түндүк" application by choosing one of the credit bureaus — "Ишеним" or "СЭС". After activating this restriction, banks and microfinance institutions are required to refuse to provide funds, as checking for the presence of a self-restriction has become a mandatory step in the application review process.
