Alif: payment & transfers

Alif is a mobile payment and transfer application that facilitates instant money transfers, bill payments, and card management. It offers features like cashback, installment payments, and ATM withdrawals, primarily serving users in Tajikistan and Uzbekistan.

Alif offers instant transfers to wallets and cards, including international transfers, which aligns with instant P2P transfers. It also allows users to order plastic and digital Visa cards, fulfilling the prepaid debit card feature. The app explicitly mentions 'Security comes first. We use end-to-end encryption to protect your data exchange,' which covers fraud monitoring. The 'Installments' feature directly matches 'Pay Over Time (Afterpay)'. The 'Bonuses and cashback' feature, including up to 50% cashback for QR code payments, aligns with instant discounts and offers. Finally, the ability to 'Withdraw your money easily at Alif's ATMs, terminals and cash desks' covers ATM access. While it doesn't explicitly state fee reimbursement, the ATM access is present. The app does not mention early direct deposit, stock trading, or bitcoin trading.