# HUMO Uzbekistan

> Source: https://docs.barcoder.ai/docs/wallets/humo-uz
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [HUMO — official](https://humo.uz/)

## Overview

**HUMO Uzbekistan** is **Uzbek national interbank payment processing system + card scheme** + **Central Bank of Uzbekistan CBU + Uzbek government-aligned** + **one of Uzbekistan's two national payment processing switches + card schemes** + **founded Jul 17 2017 in Tashkent Uzbekistan** <sup>[1][1], [Uzbekistan report](https://docs.barcoder.ai/docs/payments/UZ)</sup>.

## History

**Jul 17 2017 — HUMO National Interbank Processing Center NIPC founded in Tashkent Uzbekistan under Central Bank of Uzbekistan CBU as Uzbekistan's second national payment processing switch + card scheme parallel to UZCARD** distinctive Uzbek payments dual-scheme heritage.

**2018 — HUMO Pay mobile QR payments + wallet app launch**.

## Ownership & operator

**Operating entity**: **HUMO National Interbank Processing Center NIPC** (Uzbek national interbank payment processing system + card scheme).

**Major shareholders**: **Central Bank of Uzbekistan CBU + Uzbek government-aligned**.

**Regulators**: **Central Bank of Uzbekistan CBU**.

## Technical integration

HUMO Pay mobile app (iOS + Android) + humo.uz online + HUMO POS + ATM network across Uzbekistan + HUMO-branded debit + credit cards by Uzbek commercial banks; HUMO national card scheme processing + EMVCo QRCPS QR payments + Uzbek Som UZS domestic transfers.

## Implementations & partners

**Major Uzbek banking + payments competitors**: [UzCard/Humo](https://docs.barcoder.ai/docs/standards/uzcard) (UZCARD JSC; Uzbek national interbank payment processing system + card scheme; Central Bank of Uzbekistan CBU + Uzbek government-aligned; Uzbekistan's primary national payment processing switch + card scheme; ~25M+ UZCARD cards issued).

**Uzbek commercial bank consortium**: [Asaka Bank (Uzbekistan)](https://docs.barcoder.ai/docs/wallets/asaka-bank) (Asakabank Uzbekistan) + [National Bank of Uzbekistan (NBU)](https://docs.barcoder.ai/docs/wallets/nbu-uzbekistan) (National Bank of Uzbekistan NBU) + [Hamkorbank Uzbekistan](https://docs.barcoder.ai/docs/wallets/hamkorbank) (Hamkorbank Uzbekistan) + [Ipoteka Bank Uzbekistan](https://docs.barcoder.ai/docs/wallets/ipoteka-bank-uz) (Ipoteka Bank Uzbekistan) + [Kapitalbank Uzbekistan](https://docs.barcoder.ai/docs/wallets/kapitalbank-uz) (Kapitalbank Uzbekistan).

**Regulators**: Central Bank of Uzbekistan CBU.

## Status

**Active, Uzbek national interbank payment processing system + card scheme + Central Bank of Uzbekistan CBU + Uzbek government-aligned + one of Uzbekistan's two national payment processing switches + card schemes + founded Jul 17 2017 in Tashkent Uzbekistan** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://humo.uz/ "HUMO — official"
[2]: https://en.wikipedia.org/wiki/HUMO_Pay "HUMO — Wikipedia"
[uz-cro]: https://docs.barcoder.ai/docs/payments/UZ

- [1] [HUMO — official][1]
- [2] [HUMO — Wikipedia][2]
- <sup>[Uzbekistan report](https://docs.barcoder.ai/docs/payments/UZ)</sup> In-corpus: `reports/countries/UZ-uzbekistan.md`

## Source

Biography extracted from [humo-uz.md](https://docs.barcoder.ai/source/wallets/humo-uz). See `matrix.md` for standards-support matrix if present.