Table of Contents
Freedom Holding Corp: How Technology Shapes Their Financial Services
Introduction
Technology no longer plays a supporting role in finance—it defines how firms compete, how investors trade, and how secure client data remains. Few companies highlight this better than Freedom Holding Corp. Starting as a brokerage in Kazakhstan, the company has scaled into an international group operating across 22 countries, offering brokerage, banking, insurance, and digital infrastructure services. One of those examples we want to cover today is the Freedom Holding Corp. I was having some doubts about writing on the FinTech industry but ultimately I decided to cover it.
FinTech has developed. Developed in a good way. We are always in the lookout for some new ways companies are using to improve their work. Of course, our most interesting topic is technology. So here we are, writing this article.
What is most distinctive about them is not the range of services but the extent to which technology infuses everything they do. Their proprietary trading platform Tradernet, their venture into machine learning and artificial intelligence, the building of Freedom Cloud, and their strong cybersecurity protocols reflect a determined attempt to wed finance with new digital infrastructure.
As a finance expert, I’ve followed Freedom Holding Corp. closely. My take is that their occasionally risky, occasionally ambitious approach shows how a regional player can turn into a global player by depending so heavily on technology.
This blog takes you through their digital underpinnings: platforms, infrastructure, security, and compliance. Along the way, I’ll share my comments and insights into their systems and what they imply for customers.
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Freedom Holding Corp Overview
Freedom Holding Corp is listed on NASDAQ under the ticker FRHC. From its headquarters in Almaty, it has grown into a financial ecosystem that blends brokerage, banking, insurance, telecom, and cloud services.
Core Services
- Retail Brokerage: Trading access through Tradernet (their custom trading platform which we will discuss next) to NYSE, NASDAQ, LSE, Deutsche Börse, and more
- Banking: Digital banking services through Freedom Bank Kazakhstan, including AI-powered lending (which traditionally is done by humans)
- Investment Banking: Advisory, M&A, and underwriting services
- Insurance: Life, health, property, and travel products
- Telecommunications: Internet and Wi-Fi services via Freedom Telecom
- Cloud Infrastructure: Data processing centers and Freedom Cloud LLP
For clients, much of this ecosystem is accessible through the Freedom SuperApp, a single platform for banking, investing, and lifestyle services. From my view, the integration here is valuable. Instead of juggling different apps or institutions, clients can manage investments, apply for loans, and buy insurance all in one place.
Tradernet: My Review of Freedom Holding Corp’s Trading Platform
Market Access
Tradernet, acquired in 2018, is the cornerstone of Freedom Holding Corp’s retail brokerage services. The platform connects to major exchanges, offering real-time access to stocks, ETFs, bonds, futures, and options. I have used many different platforms for my trading. and this one impressed me. The integration is seamless, powerful and efficient.
When I first tested Tradernet, what struck me was its accessibility. Many platforms overwhelm users with technical jargon and complex order screens. Tradernet provides advanced features but layers them in a way that both beginners and professionals can navigate.
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Features I Value
- Real-time data feeds for global markets. This one is pretty much standard, but I still like the layout of the data better.
- Portfolio management that goes beyond charts—integrating educational insights. The way I can set up my portfolio is second to none. I have a good overview of my financials all in one place.
- Social trading network, where clients can see strategies of other investors. If you are a beginner investor, having out of the box strategies to use, so that you can grow your portfolio and knowledge is very helpful. When you go into investing you are trying to make money and not lose them. The technology used by Freedom Holding Corp allows you to make smart decisions from day one. And one of them is sharing strategies of other more experienced investors.
- Language support in 19 languages, which is a game-changer for accessibility. And this one is a non brainer. FinTech can be hard if the platform operated in a non native language. It’s always cool to see your language in the settings.
From a security perspective, the platform includes multi-factor authentication, biometric login, and encrypted transactions. For me, these measures inspire confidence. Bug platforms must make sure that your money are safe. And this is exactly what is happening here. Even my social accounts have 2 factor authentication. So why not use it here? Like I said the company made sure your transaction and data are safe by using state of the art technical algorithms to protect you. Financial platforms can’t compromise on data safety, and Tradernet checks the right boxes.
How Tradernet Compares
Here’s a quick comparison of Tradernet to some known platforms:
| Platform | Global Market Access | Social Features | Education Tools | Security |
|---|---|---|---|---|
| Tradernet | NYSE, NASDAQ, LSE, Deutsche Börse | Yes | Built-in | MFA, Biometrics, Encryption |
| Interactive Brokers | Wide coverage | Limited | External | MFA |
| eToro | Select markets | Yes | Basic | MFA |
From my experience, Tradernet sits somewhere between the professional focus of Interactive Brokers and the community-driven style of eToro. That balance is what makes it stand out. Like I said before the platform is a serious contender to other major software. I like it a lot. It is easy to use and it follows the latest and best practices from User Interface to User Experience. You are as good as the tools you are using. This is because this Tradernet application allows you to easily build and enhance your portfolio.
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Cloud Infrastructure and Data Centers
Freedom Cloud Strategy
Freedom Holding Corp has invested heavily in building domestic digital infrastructure. Freedom Cloud LLP operates multiple data centers, and their flagship project is the Alatau Technopark facility—a $385 million site with 480 server racks and 7.2 MW IT capacity. This is where the corporation invested a lot in technology infrastructure. And it seems like everything is paying off. Freedom Holding Corp realized that in order to stay competitive and ahead of their competition, they had to improve their digital infrastructure. That is what they did. Almost all of this investment was made in 2025. So it’s brand new high tech digital infrastructure.
This project matters for two reasons:
- It builds Kazakhstan’s local digital sovereignty, reducing reliance on foreign data hubs.
- It supports Freedom’s ambition to become both a financial and technology company.
They already manage seven processing centers and plan expansions in Almaty and Astana.
AWS Partnership
In parallel, they’ve formed a strategic partnership with AWS. This gives them access to advanced machine learning tools, enterprise-grade security, and global best practices. Every single financial corporation uses AI and Data to improve their day to day operations. Amazon is one of the leading forces in this industry. Using their infrastructure is a must. Especially while they are developing their own. Amazon is a good choice to process your data. That is how you get leverage. If I want to improve on my investment portfolio I always have to analize some data. These applications that Freedom Holding Corp is building with the support of AWS, will allow you to leverage the data you have, other investors portfolio and make your own reasonable decision.
From my view, this hybrid approach makes sense. Local centers provide control and sovereignty, while AWS adds global scalability.
Artificial Intelligence and Machine Learning
Scale of Investment
Freedom Holding Corp has allocated $70 million—nearly half its IT budget in 2025—towards AI initiatives. That’s not a token investment; it’s a clear signal of direction. Doing this in 2025 signals a strong commitment to improvement. I am guessing they do want to become a leader when it comes down to using AI in financial services industry. One thing that most of the platforms are missing a financial chat bot. I always have a question about some technical term that I need someone to explain it to me.
Or just imagine if you can pick a stock and ask the bot to analize it. It can gather all the necessary data, analize it and give you a suggestion on whether you should buy it, or sell it. You can even analize the X (formerly known as Twitter) sentiment, from top notch investors, and make a decision. As you can see having all this technology and tools, can potentially increase your wealth significantly. This bot can be your financial advisor. Now compare that to traditional companies, and you will start appreciate the tech Freedom Holding Corp is offering to you.
Key Applications
- Freedom GPT: A proprietary large language model for operations and client services
- KazLLM Project: A partnership to build a large language model for the Kazakh language
- Lending automation: Mortgages approved in less than 24 hours; car loans in 12 hours; business loans in 12 minutes
- Portfolio intelligence: Personalized AI-driven recommendations directly within Tradernet
I’ve seen AI adoption in many banks, but what Freedom does differently is spread it across services—banking, brokerage, and client engagement. From my perspective, this creates efficiency inside the firm while improving the client experience outside. At the very end of this spectre, imagine if you can just open up the app, speak a command into the mic, and an LLM will infer and deduct what you want to say, and execute it. It has never been this easy. Even if you are a novice in this FinTech industry.
Cybersecurity and Data Protection
Security Framework
Cybersecurity isn’t optional in finance—it’s survival. Freedom Holding Corp uses a zero-trust architecture, meaning every request for access is verified before approval. Every single account I have is locked with 2 factor authentication. And I don’t even want to start talking about my financial apps. Zero trust architecture or perimeterless security is a design and implementation strategy of IT systems. The principle is that users and devices should not be trusted by default, even if they are connected to a privileged network such as a corporate LAN and even if they were previously verified.
Key measures include:
- Encryption of all data in transit and at rest
- Biometric authentication on apps and services
- Physical security at data centers with redundancy for near-100% uptime
- GDPR compliance and local privacy rules
They even extend risk management to AI models, testing for bias and performance issues before deployment.
For more, check their Privacy Policy.
My View
From a professional standpoint, their security setup reflects best practices. I’ve worked with firms where data protection was more of a checkbox than a strategy. Freedom Holding Corp’s layered defense—from hardware to AI—feels much more deliberate.
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Regulatory Compliance and Challenges
Scrutiny and Investigations
Freedom Holding Corp has not had a smooth regulatory journey. Since 2021, the SEC and DOJ have probed into insider trading and sanctions compliance. In Kazakhstan, 244 penalties were issued across subsidiaries, largely tied to AML and KYC issues.
S&P even placed them on CreditWatch Negative in 2023 before stabilizing the rating later.
Current Compliance Measures
Today, their compliance framework includes:
- Strong sanctions screening
- Upgraded KYC across subsidiaries
- Regular audits and risk assessments
- Transparent reporting to regulators
From my perspective, while their history is mixed, I see improvement. Compliance is never static—especially in multi-jurisdictional operations. Their focus on tech-driven monitoring tools gives me some confidence they’re moving in the right direction.
Technology as a Competitive Advantage
Freedom Holding Corp is positioning itself as more than a financial services company—it’s branding itself as a digital infrastructure provider.
Benefits to Clients
| Area | Technology Used | Client Benefit |
|---|---|---|
| Lending | AI-powered scoring | Mortgages in 24h, business loans in 12 min |
| Trading | Tradernet + AI | Personalized investment insights |
| Cloud | Freedom Cloud + AWS | Secure, scalable financial services |
| Security | Zero-trust + encryption | Confidence in data safety |
| Integration | SuperApp | Banking, investing, and insurance in one place |
From my perspective, the benefit is simple: clients get speed, integration, and accessibility. For the company, technology cuts costs, accelerates processes, and creates new revenue streams.
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Got it 👍 — here’s a dedicated FAQ section for the blog post, written in a natural and professional tone, optimized for SEO around the keyword Freedom Holding Corp.
FAQ: Technology at Freedom Holding Corp
1. What is Freedom Holding Corp best known for?
Freedom Holding Corp is best known for its financial ecosystem that combines retail brokerage, banking, insurance, and digital infrastructure. Their proprietary trading platform, Tradernet, gives clients access to leading global exchanges like NASDAQ, NYSE, and LSE.
2. How does the Tradernet platform work?
Tradernet allows clients to trade stocks, ETFs, bonds, futures, and options in real time across multiple exchanges. It includes social trading features, portfolio analysis, and educational tools, available through both iOS and Android apps.
3. Does Freedom Holding Corp use artificial intelligence?
Yes. Freedom Holding Corp invests heavily in AI and machine learning. Their projects include Freedom GPT, automated lending approvals that cut processing time from weeks to hours, and AI-driven portfolio recommendations inside Tradernet.
4. What is Freedom Cloud?
Freedom Cloud is the company’s dedicated cloud service arm, supported by data centers in Kazakhstan, including a $385 million project at Alatau Technopark. They also partner with Amazon Web Services (AWS) to access advanced computing, AI tools, and global-grade security.
5. How does Freedom Holding Corp protect client data?
The company uses a zero-trust security architecture, multi-factor authentication, biometric login, and encrypted transactions. Data centers are physically secured, and operations comply with GDPR and other local privacy regulations.
6. Has Freedom Holding Corp faced regulatory issues?
Yes. Since 2021, U.S. regulators such as the SEC and DOJ have investigated Freedom Holding Corp regarding compliance concerns. In Kazakhstan, they’ve faced penalties linked to AML and KYC reporting. The firm has since strengthened its compliance framework with stricter screening, audits, and reporting systems.
7. How does the Freedom SuperApp benefit clients?
The Freedom SuperApp brings together banking, investing, insurance, and lifestyle services into a single digital platform. This unified approach makes it easier for clients to manage different parts of their financial life without switching between apps.
8. Where is Freedom Holding Corp expanding?
Freedom Holding Corp operates in 22 countries and is growing across Central Asia and emerging markets. Their technology-first model gives them a scalable foundation for international expansion.
Conclusion
Freedom Holding Corp shows how technology can be the backbone of financial growth. Through Tradernet, Freedom Cloud, AI investments, and comprehensive cybersecurity, the company has built an infrastructure that supports both operations and client needs.
Of course, regulatory hurdles remain, and the company’s compliance track record reflects both lessons learned and areas for ongoing improvement. But from what I see, the consistent investment in digital platforms gives them a strong advantage.
For investors, traders, or anyone curious about how finance and technology blend, Freedom Holding Corp is worth paying attention to. Their model shows what happens when financial services meet serious digital infrastructure.