Mr Khafizov Marat is the Founder of Uniblock LLC Author and initiator of the Uniblock Partnership Finance Ecosystem, Legal and IT professional with experience at the intersection of law, technology, and finance.

Specialist in Islamic fintech and partnership-based financial technologies.

Areas of expertise and activity is:

Advisory and consulting services.

Capitalization and fair revaluation of intangible assets;

Development of IT solutions;

Structuring and development of partnership finance;

Issuance of digital financial assets (DFAs);

Non-standard legal solutions in rights securitization;

Koldo Salazar López meet him in IMBRICS conference of San Petersburg, Russia, in october 2025 and make an interview with him about the economic system of BRICS and his project UNIBLOCK for Otralectura.com

1. The document positions the BRICS International Investment Platform as an «emerging hub for investment cooperation» and the «foundation of a unified digital space.» Could you describe Uniblock’s long-term vision for this platform and how it plans to transform the landscape of cross-border investment within and beyond BRICS countries?

The BRICS International Investment Platform (THE BRICS IIP) will provide access to capital for small and medium-sized enterprises, as well as startups, fostering their growth. The platform will create new opportunities for diversifying investment portfolios and developing large company projects, overcoming barriers between BRICS countries and strengthening economic ties. Additionally, there will be direct interaction between project creators and investors, accelerating economic growth and supporting projects that cannot secure funding through traditional systems.

2.  It is mentioned that the platform seeks to address deficiencies in existing international mechanisms for launching large cross-border projects. What are the main limitations Uniblock has identified in current systems, and how does its platform offer a distinctive and superior solution?

In response to the existing challenges, Uniblock identifies limitations arising from differences in legislation governing crowdfunding platforms and digital financial assets, as well as bureaucratic barriers and restricted access to capital for small-scale and non-standard projects. These issues are addressed through Uniblock’s proprietary cross-border settlement mechanisms and the integration of tokenized assets with partnership-based financial instruments. Furthermore, financial instruments such as sukuk and mudaraba offer alternative financing models, thereby expanding access to capital for a broader range of projects.

3.  The platform promotes a partnership-based financing model, with equitable risk distribution and a rejection of interest-based logic. How is it ensured that these ethical and financial principles are consistently applied across all projects and transactions managed by Uniblock?

For each project on the platform, two types of audits are applied: conventional and Shariah. The Shariah audit ensures that all transactions comply with the principles of partnership-based finance, excluding interest and ensuring a fair distribution of risks and profits. The conventional audit verifies compliance with accounting standards and financial reporting requirements. All agreements concluded through the platform are developed in accordance with international AAOIFI standards, ensuring alignment with both partnership-based principles and international regulatory requirements.

4.  Given that the platform is a consortium of national investment platforms, what is Uniblock’s strategy for facilitating the integration of new member countries and their respective platforms, and how are challenges of regulatory and legal harmonization addressed?

Despite its name, the BRICS International Investment Platform welcomes the participation of all countries willing to become part of the platform. We offer two integration models: either onboarding an existing investment platform or supporting the establishment of a new national platform. The entire integration process is carried out via APIs.

To address legal harmonization challenges, Uniblock analyzes the requirements of local regulators and adapts the platform’s infrastructure to the regulatory framework of each jurisdiction. In addition, we provide tailored solutions that integrate local financial instruments into the platform ecosystem.

5.  The report highlights the growing economic weight of BRICS. How does Uniblock expect the platform to specifically boost intra-regional investment flows, strengthen national economies, and what key metrics will be used to evaluate this impact?

Uniblock expects the platform to drive substantial growth in intra-bloc investment flows, as investors from all BRICS countries will gain the ability not only to invest in local projects but also to access and evaluate projects from other member states. This, in turn, will lead to increased capital flows and accelerate the economic development of participating countries.

Key impact metrics will include total investment volume and transactional activity on the platform, such as the number of transactions, the number of attracted investors, and the number of supported projects.

6.  For investors, the platform promises access to a diverse range of strategic projects. What mechanisms for transparency, due diligence, and investor protection will Uniblock implement to foster trust and attract capital to these projects?

A real-time reporting system is implemented for investors, enabling them to monitor project progress and financial performance on an ongoing basis. In addition, both Shariah and conventional audit frameworks are applied, ensuring compliance with ethical and financial standards. Investor protection is further reinforced through insurance and guarantee mechanisms, as well as legally binding agreements that provide for a fair allocation of profits and losses.

7.  The document underscores the geopolitical importance of the platform in strengthening the economic autonomy of BRICS. How does Uniblock actively contribute to building a multipolar system, and what measures are taken to ensure the platform is a tool for equitable development for nations of the Global South?

Uniblock contributes to the development of a multipolar economic system by providing a platform that enables BRICS countries and other emerging economies to gain direct access to capital and financial instruments. The platform is openly accessible to all Global South countries, offering the opportunity to develop key industries and implement projects without reliance on traditional Western financial systems. Uniblock promotes alternative financing models, including partnership-based finance. The platform is designed to support a more balanced distribution of economic opportunities by fostering innovative and sustainable projects that create new jobs and advance inclusive and equitable development.

8.  It is mentioned that the platform will complement the New Development Bank (NDB). What is the operational synergy between Uniblock and the NDB, and how does this collaboration ensure comprehensive and sustainable financing for infrastructure and strategic projects?

The operational synergy between Uniblock and the New Development Bank (NDB) lies in the fact that transactions executed through the Uniblock platform will be processed via the NDB as a financial institution. The NDB will support the financing of large-scale infrastructure and strategic projects by providing formal banking services and transaction guarantees.

9. As a «unified digital space,» technology is fundamental. What key technological innovations (e.g., blockchain, AI, big data) is Uniblock using or planning to use to enhance efficiency, security, and user experience in cross-border investment?

On the BRICS IIP platform, investments are made using digital financial instruments that are issued and recorded on a blockchain.

10. The platform’s ambition is to become the «largest investment mechanism in the developing world.» What do you consider to be the three biggest challenges (operational, strategic, or market) that Uniblock will face in the next five years to achieve this goal, and how does it plan to overcome them?

Operating across multiple markets with different legal systems can be challenging, particularly in countries where regulation of digital financial instruments and investment activities has not yet been fully established. In many developing economies, the legal frameworks in this area are still in the early stages of formation.

Uniblock plans to address this challenge by working closely with local regulators and adapting the platform to the requirements of each jurisdiction. A key solution will also be the use of APIs to integrate with local financial systems, thereby minimizing legal and regulatory barriers.