CoinIran

Overview

Research summary

بانک رفاه خدمات بانکی و دیجیتال مانند فرارفاه ارائه می‌کند و با تأمین اجتماعی پیوند سهامداری دارد. افزایش سرمایه و پرتفوی صنعتی در اظهارات مدیرعامل گزارش شده‌اند؛ ثبت نهایی و درصد سهام کنونی نیاز به اسناد دارد. قابلیت ریال دیجیتال در خبر نسخه فرارفاه آمده است؛ پژوهش مرابحهٔ هوشمند به محصول مستقر تبدیل نشد. سابقه دعوای اروپایی و فهرست تحریمی سوئیس به‌صورت تاریخ‌دار ثبت شده‌اند.Translation pending

Business model

سپرده‌پذیری، تسهیلات، خدمات پرداخت و بانکداری دیجیتال؛ پرتفوی سهام صنعتی نیز گزارش شده است.Translation pending

Target users

workers · pensioners · retail customers · enterprises

Markets

Iran

View evidence · Source backed
Confidence
Not recorded
Checked at
Not recorded

People

Products & services

موبایل بانک مبتنی بر وبTranslation pending

Description
Version3.0.0 announcement includes digital-cheque services.
Type
mobile banking
Status
Historical release; not tested
Review status
Automatically checked
View evidence · Source backed
Confidence
Medium
Checked at
Not recorded

تسهیلات افقTranslation pending

Description
Loan product referenced in university agreement; financing not equity.
Type
bank lending
Status
Documented offering; transactions not tested
Review status
Automatically checked
View evidence · Source backed
Confidence
Medium
Checked at
Not recorded

فرارفاهTranslation pending

Description
Reported neobank app; version1.4.3 includes digital-rial wallet feature.
Type
digital banking
Status
Reported release; not tested
Review status
Automatically checked
View evidence · Source backed
Confidence
Medium
Checked at
Not recorded

Funding received

Needs manual review

Investments made

Needs manual review

Ownership

Owns

From
Bank Refah Kargaran
To
ذوب‌آهن اصفهان
Type
Owns
Description
CEO reports equity holdings; percentage and transaction date not established.
Review status
Needs review

Ownership percentage: Not recorded

View evidence · Needs manual review
Confidence
Medium
Checked at
Not recorded

Owns

From
Bank Refah Kargaran
To
پالایشگاه شازند
Type
Owns
Description
CEO reports equity holdings; percentage and transaction date not established.
Review status
Needs review

Ownership percentage: Not recorded

View evidence · Needs manual review
Confidence
Medium
Checked at
Not recorded

Partnerships

Partnered with

From
Bank Refah Kargaran
To
دانشگاه آزاد اسلامی
Type
Partnered with
Description
Signed MOU covers staff/student lending, renewable-energy finance and startup support; no completed equity deal inferred.
Start date
1405-02-02 (Solar Hijri)
Partnership type
financial
Review status
Automatically checked
View evidence · Source backed
Confidence
Medium
Checked at
Not recorded

Relationships

View relationships in Galaxy ↗

Affiliated with

From
Bank Refah Kargaran
To
دانش رفاه
Type
Affiliated with
Description
CEO describes creation from bank data-processing company; no percentage inferred.
Review status
Automatically checked
View evidence · Source backed
Confidence
Medium
Checked at
Not recorded

Offers

From
Bank Refah Kargaran
To
تسهیلات افقTranslation pending
Type
Offers
Description
Loan product referenced in university agreement; financing not equity.
Review status
Automatically checked
View evidence · Source backed
Confidence
Medium
Checked at
Not recorded

Offers

From
Bank Refah Kargaran
To
فرارفاهTranslation pending
Type
Offers
Description
Reported neobank app; version1.4.3 includes digital-rial wallet feature.
Review status
Automatically checked
View evidence · Source backed
Confidence
Medium
Checked at
Not recorded

Partnered with

From
Bank Refah Kargaran
To
دانشگاه آزاد اسلامی
Type
Partnered with
Description
Signed MOU covers staff/student lending, renewable-energy finance and startup support; no completed equity deal inferred.
Start date
1405-02-02 (Solar Hijri)
Partnership type
financial
Review status
Automatically checked
View evidence · Source backed
Confidence
Medium
Checked at
Not recorded

Owns

From
Bank Refah Kargaran
To
ذوب‌آهن اصفهان
Type
Owns
Description
CEO reports equity holdings; percentage and transaction date not established.
Review status
Needs review

Ownership percentage: Not recorded

View evidence · Needs manual review
Confidence
Medium
Checked at
Not recorded

Affiliated with

From
Bank Refah Kargaran
To
سازمان تأمین اجتماعی
Type
Affiliated with
Description
CEO describes shareholder-linked cooperation; exact current direct/indirect cap table unresolved.
Review status
Automatically checked
View evidence · Source backed
Confidence
Medium
Checked at
Not recorded

Owns

From
Bank Refah Kargaran
To
پالایشگاه شازند
Type
Owns
Description
CEO reports equity holdings; percentage and transaction date not established.
Review status
Needs review

Ownership percentage: Not recorded

View evidence · Needs manual review
Confidence
Medium
Checked at
Not recorded

Offers

From
Bank Refah Kargaran
To
موبایل بانک مبتنی بر وبTranslation pending
Type
Offers
Description
Version3.0.0 announcement includes digital-cheque services.
Review status
Automatically checked
View evidence · Source backed
Confidence
Medium
Checked at
Not recorded

Metrics

CEO reported nonperforming claim ratio

Value
3.4
Unit
percent
Period
1405-06-04 statement
Company reported
Yes
Final value
Yes
Review status
Automatically checked

Company reported; not independently verified.

View evidence · Company reported
Confidence
Medium
Checked at
Not recorded

CEO reported capital

Value
152
Unit
trillion toman
Period
1405-06-04 statement
Company reported
Yes
Final value
Yes
Review status
Automatically checked

Company reported; not independently verified.

View evidence · Company reported
Confidence
Medium
Checked at
Not recorded

History

Dates retain the source calendar and precision.

Gregorian

CJEU appeal

Description
Court judgment on damages appeal arising from earlier restrictive measures; not current delisting evidence.
Date
2020-10-06
Date precision
Exact date
Calendar
Gregorian
Type
CJEU appeal
Review status
Automatically checked
View evidence · Source backed
Confidence
Medium
Checked at
Not recorded

Claims

identity.scope_status · Source backed

PASS

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Run008 actor AR-002-0011, field current_scope_status; inherited without reassessment.

relationships.offers · Source backed

Reported neobank app; version1.4.3 includes digital-rial wallet feature.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Reported neobank app; version1.4.3 includes digital-rial wallet feature.

relationships.offers · Source backed

Loan product referenced in university agreement; financing not equity.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Loan product referenced in university agreement; financing not equity.

relationships.affiliated_with · Source backed

CEO describes shareholder-linked cooperation; exact current direct/indirect cap table unresolved.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

CEO describes shareholder-linked cooperation; exact current direct/indirect cap table unresolved.

identity.founded_date_precision · Source backed

year

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Solar Hijri year only.

funding_received.proposed_capital_increase · Needs manual review

to: 152110 · from: 62048 · unit: billion toman · board_date: 1405-03-17

View evidence · Needs manual review
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Board-approved proposal; funding mechanism and registered completion unestablished.

products_services.فرارفاه · Source backed

Reported neobank app; version1.4.3 includes digital-rial wallet feature.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Reported neobank app; version1.4.3 includes digital-rial wallet feature.

history.CJEU_appeal · Source backed

Court judgment on damages appeal arising from earlier restrictive measures; not current delisting evidence.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Court judgment on damages appeal arising from earlier restrictive measures; not current delisting evidence.

metrics.CEO_reported_capital · Company reported

152

View evidence · Company reported
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

CEO rounded capital claim; registration not inspected.

relationships.owns · Needs manual review

CEO reports equity holdings; percentage and transaction date not established.

View evidence · Needs manual review
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

CEO reports equity holdings; percentage and transaction date not established.

identity.founded_date · Needs manual review

1339

View evidence · Needs manual review
Confidence
Low
Checked at
2026-10-09T22:34:04.489263+00:00

Historical secondary account; exact registration document not retrieved.

relationships.offers · Source backed

Version3.0.0 announcement includes digital-cheque services.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Version3.0.0 announcement includes digital-cheque services.

deep_profile.business_model · Source backed

سپرده‌پذیری، تسهیلات، خدمات پرداخت و بانکداری دیجیتال؛ پرتفوی سهام صنعتی نیز گزارش شده است.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Bank business and reported investment holdings.

Bank business and reported investment holdings.

taxonomy.primary_category · Source backed

unclassified

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Prior taxonomy crosswalk; needs actor-specific validation.

conflicts.sanctions_listing_snapshot · Source backed

Swiss SECO snapshot lists bank; entry added2025-12-12 and amended2026-03-10.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Authority record, not an independent determination of underlying allegations.

people.CEO_at_1405_reports · Source backed

role: CEO_at_1405_reports · name_en: · name_fa: اسماعیل لله‌گانی · is_current:

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

CEO named in anniversary and signed university agreement; dated role.

CEO named in anniversary and signed university agreement; dated role.

relationships.partnered_with · Source backed

Signed MOU covers staff/student lending, renewable-energy finance and startup support; no completed equity deal inferred.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Signed MOU covers staff/student lending, renewable-energy finance and startup support; no completed equity deal inferred.

taxonomy.primary_category · Source backed

financial_institution

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Banking and digital financial services.

Banking and digital financial services.

deep_profile.markets · Source backed

Iran

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Domestic banking provision.

Domestic banking provision.

identity.entity_type · Source backed

organization

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Run008 actor AR-002-0011, field entity_type; inherited without reassessment.

identity.activity_status · Source backed

ACTIVE

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Run008 actor AR-002-0011, field activity_status; inherited without reassessment.

metrics.CEO_reported_nonperforming_claim_ratio · Company reported

3.4

View evidence · Company reported
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Reported ratio; definition and audited denominator absent.

deep_profile.target_users · Source backed

workers · pensioners · retail customers · enterprises

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Customer groups in bank remarks.

Customer groups in bank remarks.

Customer groups in bank remarks.

identity.canonical_name_en · Source backed

Bank Refah Kargaran

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Legal English name used by court and authority.

Legal English name used by court and authority.

taxonomy.taxonomy_notes · Source backed

برچسب موروثی investor_association به معنی صندوق رمزارز نیست؛ خدمات بانکی و تحقیق بلاکچین تفکیک شدند.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

No crypto-fund designation inferred.

No crypto-fund designation inferred.

products_services.تسهیلات افق · Source backed

Loan product referenced in university agreement; financing not equity.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Loan product referenced in university agreement; financing not equity.

relationships.affiliated_with · Source backed

CEO describes creation from bank data-processing company; no percentage inferred.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

CEO describes creation from bank data-processing company; no percentage inferred.

identity.official_website · Source backed

https://www.refah-bank.ir/

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Release directs readers to bank portal; fresh read failed.

identity.canonical_name_fa · Source backed

بانک رفاه کارگران

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Run008 actor AR-002-0011, field canonical_name_fa; inherited without reassessment.

products_services.موبایل بانک مبتنی بر وب · Source backed

Version3.0.0 announcement includes digital-cheque services.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Version3.0.0 announcement includes digital-cheque services.

identity.short_description · Source backed

بانک تجاری با خدمات دیجیتال و تمرکز بر کارگران و بازنشستگان

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Banking constituency, not crypto exchange.

Banking constituency, not crypto exchange.

relationships.owns · Needs manual review

CEO reports equity holdings; percentage and transaction date not established.

View evidence · Needs manual review
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

CEO reports equity holdings; percentage and transaction date not established.

deep_profile.deep_summary · Source backed

بانک رفاه خدمات بانکی و دیجیتال مانند فرارفاه ارائه می‌کند و با تأمین اجتماعی پیوند سهامداری دارد. افزایش سرمایه و پرتفوی صنعتی در اظهارات مدیرعامل گزارش شده‌اند؛ ثبت نهایی و درصد سهام کنونی نیاز به اسناد دارد. قابلیت ریال دیجیتال در خبر نسخه فرارفاه آمده است؛ پژوهش مرابحهٔ هوشمند به محصول مستقر تبدیل نشد. سابقه دعوای اروپایی و فهرست تحریمی سوئیس به‌صورت تاریخ‌دار ثبت شده‌اند.

View evidence · Source backed
Confidence
Medium
Checked at
2026-10-09T22:34:04.489263+00:00

Separate bank operations, historical litigation and reported technology.

Separate bank operations, historical litigation and reported technology.

Separate bank operations, historical litigation and reported technology.

Separate bank operations, historical litigation and reported technology.

Separate bank operations, historical litigation and reported technology.

Sources

Refah CEO anniversary remarks

Publisher
Tamin24
Source type
Established media
Published at
1405-06-04 (Solar Hijri)
Accessed at
2026-10-09T22:34:04.489263+00:00
Retrieval status
Web content read
Sources ↗

Data quality

Conflicts

Research gaps

identity

Legal English name and published portal link; current portal retrieval failed.

Public evidence incomplete or conflicting; see claims and flags.

taxonomy

Bank and digital-finance role; no crypto-fund inference.

Public evidence incomplete or conflicting; see claims and flags.

deep_profile

Constituency, lending and digital channels; consolidated financials missing.

Public evidence incomplete or conflicting; see claims and flags.

people

Dated CEO; full board list not established.

Public evidence incomplete or conflicting; see claims and flags.

products_services

Fararefah/PWA/lending documented in releases, no protected use.

Public evidence incomplete or conflicting; see claims and flags.

metrics

Dated CEO-reported capital/ratio; definitions and audited evidence absent.

Public evidence incomplete or conflicting; see claims and flags.

funding_received

Capital proposal versus later rounded report; issuance mechanism unknown.

Public evidence incomplete or conflicting; see claims and flags.

investments_made

Two CEO-reported industrial holdings; no quantified blockchain investment found.

Public evidence incomplete or conflicting; see claims and flags.

ownership

SSO affiliation; direct cap table and legal-control description require reconciliation.

Public evidence incomplete or conflicting; see claims and flags.

partnerships

University MOU is specific; delivery and funding disbursement not assumed.

Public evidence incomplete or conflicting; see claims and flags.

related_organizations

DaneshRefah linkage; full group map missing.

Public evidence incomplete or conflicting; see claims and flags.

relationships

Equity holdings versus lending/partnership separated.

Public evidence incomplete or conflicting; see claims and flags.

history

Formation year secondary; court milestone primary and historical.

Public evidence incomplete or conflicting; see claims and flags.

sources

Sources inspected and attributed; missing primary documents remain in flags.

Public evidence incomplete or conflicting; see claims and flags.