Tashkent, Uzbekistan --:-- local

Salom, I'm

Jamshiddin Ismailov

Backend engineer and co-founder of Qarz-Qurs. I design and build the systems behind fintech products — ledgers, lending flows, identity verification — in PHP and Laravel, from Tashkent.

See my work LinkedIn
01 — Work

Selected work

Products I've built or co-founded. The common thread: money that has to add up, and people who have to trust the record.

Live on the App Store Co-founder · 2026 — present

Qarz-Qurs

iOS · Finance · Uzbekistan

Track debts and shared expenses with friends and groups. Every entry is confirmed by both sides before it counts — so there is never an argument about who owes whom.

“Kim kimga qarzdor — ikkala tomon tasdiqlagan yozuv.” Who owes whom — a record confirmed by both parties.
App Store qarz-qurs.uz

What I built

  • Laravel API & ledger. An obligation-and-allocation ledger is the single source of truth for every debt, expense and payment; balances are derived, never guessed.
  • Identity-verified auth. Phone OTP sign-in, then MyID verification before anything financial unlocks.
  • Settlement logic. Pair netting, equal and custom splits, group expense bundles, multi-currency balances, cash handovers with receiver confirmation.
  • Realtime & push. Websocket events and push notifications for confirmations, reminders and due dates.
  • Ops. Docker images, one-click GitLab CI deploys, queue workers and scheduler running on OpenCloud.
Role
Co-founder · Backend
Stack
Laravel 13 · PostgreSQL · Redis
Platforms
iOS · Android soon
Backend · Fintech

Consumer lending platform

Loan origination for a microfinance organisation: the online application flow, B2B scoring integrations, MyID identity checks, telesales tooling — and the cancellation and refund calculations that have to be right to the tiyin.

LaravelPostgreSQLMyIDVueDocker
Founder project · In development

Bahola

Evidence-first appraisal automation for Uzbekistan: client intake, documents and photos, market analogs, adjustment tables and report drafting — with a certified appraiser reviewing and signing every value. Never “the AI said so”.

Laravel 13Vue 3Tailwind 4PostgreSQL
02 — About

I like systems where the numbers have to be right.

I'm a backend engineer based in Tashkent. Most of my work lives in PHP and Laravel: APIs, ledgers, integrations with banks and identity providers, and the unglamorous parts that keep money moving correctly — idempotent operations, reconciliation, audit trails.

In 2026 I co-founded Qarz-Qurs, an app that lets friends and groups record who owes whom, with both sides confirming every entry. I built its backend from the first migration to production — and I still ship most of it.

I care about boring, well-documented infrastructure: Docker images that build the same everywhere, CI that deploys with one click, and runbooks someone else could follow at 2 a.m.

03 — Stack

Tools I reach for

Backend

  • PHP 8.x
  • Laravel 9 → 13
  • PostgreSQL & MySQL
  • Redis · Horizon queues
  • Sanctum · Passport
  • Reverb websockets

Frontend

  • Vue 3 · Inertia
  • TypeScript
  • Tailwind CSS
  • Livewire · Filament
  • Vite

Infrastructure

  • Docker · Compose
  • GitLab CI/CD
  • Nginx
  • OpenCloud · Laravel Cloud
  • Cloudflare

Domain

  • Ledgers & settlement
  • KYC · MyID
  • Lending flows & scoring
  • Payments & webhooks
  • Reporting · PDF, Excel
04 — Contact

Say salom.

Working on something in fintech, or just want to compare notes on Laravel? My inbox is open.

LinkedInWork history & network GitLab@jamshiddin.ismailov Qarz-Qurs on the App StoreTry what we built