SUBSIDIARIES

RUUT

Under the Moka United umbrella, Is United Payment Systems Limited, established in London in 2022, continues its presence in the United Kingdom market with RUUT, a next-generation digital financial solution.
Operating in the fintech space, RUUT is designed for small and medium-sized enterprises (SMEs) in the UK. It brings together essential financial needs, such as payment acceptance, business accounts and cards, money transfers, and cash flow tracking, all on a single platform. By simplifying fragmented financial tools, RUUT enables businesses to manage their daily operations more efficiently and with greater control.
RUUT positions itself as a reliable financial partner focused on making financial processes clear, accessible, and easy to manage.
Manage all your financial operations in one place
Combine payment acceptance, money transfers, and cash flow tracking within a single application.
Accept payments anywhere, with ease
Receive payments seamlessly through both online and in-store solutions.
Fast and secure money transfers
Send and receive money quickly and securely within the UK and to Türkiye.
Simple and intuitive experience
Eliminate complexity and gain better clarity and control over your business finances.

Contact: info@ruutapp.com

Turan

Founded in 2022, Turan is a next-generation financial application designed to serve users across all Turkic countries. It is available in multiple languages, including Turkish, Azerbaijani, Uzbek, Turkmen, Russian, Georgian, Mongolian, and English. With Turan, you can make international money transfers easy, fast, secure, and cost-effective, and receive funds directly into your Turan account from anywhere in the world.
In 2025, Moka United acquired a 68% stake in Turan, becoming the majority shareholder and further strengthening the platform with Moka United’s infrastructure from day one.

All your financial needs in one app
By topping up your Turan account, you can perform both domestic and international money transfers 24/7.
Send money across Turkic countries
International transfers are simple, fast, secure, and cost-efficient.
Contactless and secure payments with Turan Card
Enjoy contactless and secure shopping worldwide, and withdraw cash from all bank ATMs with the Turan Card.
Innovative products and business models
A pioneer in the sector with innovative products, business and campaign models, within the scope of regulatory permissions.

Up Enerji

Up Enerji is an innovative platform that brings together the worlds of energy and mobility with financial technologies. It offers fuel, electric vehicle charging, and mobility services within a single digital ecosystem, powered by a strong wallet infrastructure.
Established in 2021 in partnership with Moka United, Up Enerji operates with Moka United as a 75% shareholder. While digitizing energy and mobility needs, the platform is strengthened by Moka United’s financial technology capabilities, driving strong growth momentum.
All mobility and energy needs on a single platform
Access fuel, EV charging, HGS, and other mobility services through one app. All transactions are centrally managed and reported.
Advanced financial infrastructure and payment solutions
Enjoy a flexible and secure payment experience with wallet, credit card, bank integrations, and alternative payment methods. Limits, authorizations, and collections are managed digitally.
Extensive service network and uninterrupted access
With a widespread station network across Türkiye and international partnerships, users can access services anytime, anywhere.
Full control and operational efficiency for businesses
Optimize operations with fleet management, expense control, limit setting, and detailed reporting features.