How to invest through Alif Moby

Short answer: to invest "through Alif Moby", you need to open a brokerage account with "Exchange Broker" and fund it through the usual Alif application. The account itself, access to US exchanges, and the tools are provided by "Exchange Broker", a licensed broker; Alif Moby (often searched as "Alif") acts as a convenient wallet from which you deposit money. This setup allows you to buy US stocks, participate in IPOs, and maintain a halal account.

Let’s break down what is available, how it works, and how to get started.

What does it mean to "invest through Alif"

It is important to clarify at the outset to avoid confusion. Alif Moby is a financial application that many already use every day. However, the exchange and brokerage account are not inside Alif: investments are made through the broker.

The combination works like this: you open a brokerage account with "Exchange Broker", and use Alif to fund it. "Exchange Broker" is a licensed broker (licenses from the Ministry of Finance of the Republic of Tajikistan: brokerage, dealer, securities management, and depository licenses), which provides access to the US market. Alif in this setup is a convenient payment method for those who keep their money there.

Simply put: think of investing as the broker, and paying can be done through Alif.

What can you invest in

Through the brokerage account of "Exchange Broker", the US market is accessible:

• Stocks of American companies — from tech giants to consumer brands whose products you use.
• ETFs — funds that provide a set of dozens of companies under one security; a convenient way not to choose manually.
• Bonds — a more conservative instrument.
• IPOs — participation in initial public offerings when a company goes public for the first time.

Separately — for those who care about compliance with Sharia norms, there is a halal account: only halal instruments that have passed selection are available on it. More about that below.

How it works step by step

1. Open a brokerage account with "Exchange Broker". This is done online in a few minutes, you don’t need to go to the office.
2. Fund the account through Alif Moby. In the "Exchange Broker" app, open the funding section and select Alif Moby — or fund directly in Alif: section "Stores, Services" → "Standard Broker" (classic) or "Halal Broker" (halal) → your account number. Detailed instructions for both methods are available in a separate guide on funding through Alif.
3. Select an instrument and purchase it. In the catalog, find the desired security, specify the amount, and confirm. The purchased item appears in your portfolio.

That’s it — you are an investor. You can continue to buy more, monitor your portfolio, and add funds as needed — including again through Alif.

Classic and halal accounts

In "Exchange Broker", there are two types of accounts, and you can fund either through Alif:

• Classic brokerage account — a full set: stocks, ETFs, bonds, IPOs of the US market.
• Halal brokerage account — for investments according to Sharia norms: only halal instruments that have been selected (without forbidden sectors and interest-based instruments). More in the material on halal investments.

If you are investing halal — open and fund specifically the halal account, so that your money works in the halal contour.

Should you wait for "investments directly in Alif" to appear

Short answer for those Googling for the future: waiting is not necessary. You can already invest in US stocks while funding the account through Alif — via "Exchange Broker". Opening an account takes minutes, and Alif serves as a familiar payment method. Getting started earlier means beginning to learn sooner and giving your money time to work (although, as always in the market, this does not guarantee any results).

Frequently asked questions

Is a foreign bank account needed? No. The brokerage account is opened with "Exchange Broker", funded in familiar ways, including through Alif.

How much money is needed to start? You can start with a small amount — stocks are purchased individually, many cost tens of dollars. Invest only what you can afford to lose.

Is this halal? There is a separate halal account with selected instruments for that. Each person defines their own Sharia compliance; the material is informative, not a fatwa.

Can it be done from Russia? Yes, "Exchange Broker" also caters to Tajik citizens in Russia; for them, there is funding through SBP, and Alif Moby is another convenient option.

In short

"Investing through Alif" in practice means: open a brokerage account with "Exchange Broker" and fund it through Alif Moby. This makes US stocks, ETFs, bonds, and IPOs accessible — on a classic account, or halal instruments — on a halal account. Opening an account takes a few minutes; funding through Alif takes a couple of taps.

You can open an account online right now, and how to fund it through Alif is in a separate step-by-step guide. The material is informative and does not constitute individual investment advice.