On March 16, the Ministry of Justice registered a regulation regulating the electronic exchange of data between notaries and banks for paying under real estate and automobile sale contracts.

It will take effect on April 1 and will apply to:

• real estate;
• M, N, O, and G category vehicles manufactured no earlier than 10 years ago;
• specialized vehicles.

The regulation does not apply to transactions based on housing investment agreements.

The document stipulates that payment for such deals will be processed through escrow accounts.

The buyer or their representative must open a bank account and deposit the agreed amount, either in cash or by a bank transfer. If a payment deferment is provided, the agreed-upon down payment is made.

Funds will be transferred to the seller only after the agreement has been notarized.

According to the regulation, notaries will be required to verify the availability of funds in the escrow account through an automated system before confirming a transaction. If funds are insufficient or the account is closed, the notary has the right to refuse to certify the contract.

After the transaction is confirmed, the notary shall send an e-notice to the bank, upon which the funds shall be automatically transferred to the seller the same day. If the notification is received after the close of business, the funds are transferred on the following business day.

The regulation also allows for the opening and maintenance of escrow accounts through bank mobile apps, as well as the use of the client's existing accounts (card accounts, demand deposit accounts, or e-wallets).

If the transaction is financed with a loan, the lending bank shall notify the notary, and the funds are transferred to the seller after the contract is confirmed. If necessary, funds can be disbursed in cash upon the recipient's request.

The Ministry of Justice and the Central Bank will continuously monitor compliance with the regulation. Violations of the established standards will be punishable by law.

The regulation also approves the list of data provided by banks to the Notary system:

1. Surname, first name, and patronymic of the parties;
2. Series and number of the identity document of the parties;
3. Personal Identification Number (JShShIR); if one or both parties is a legal entity, its name and taxpayer identification number (TIN);
4. Information about  subject of contract;
5. Contract price;
6. Bank code where the escrow account is opened;
7. Escrow account number;
8. Amount of funds deposited in the escrow account;
9. Amount of credit funds to be transferred (if the contract is financed by a loan);
10. Amount of funds to be transferred to the seller or their representative;
11. Bank code servicing seller's or their representative's account;
12. Seller's or their representative's bank account(s) of;
13. Seller's or their representative's transit account(s) (if transferring to a bank card);
14. Seller's or their representative's bank card number (if transferring to a card).

Should funds be transferred to multiple sellers or their representatives, information is provided separately for each.

While, notaries shall transmit contract information to the banks' electronic systems, including its registration number, registration date and time, and whether the transaction was concluded or not.

This information shall also include the parties' last names, first names, and patronymics, details of their identification documents, PIN (or name and TIN for legal entities), information about the subject matter and amount of the contract.

Additionally, the amount of funds to be transferred to the seller or their representative, the servicing bank code, bank accounts, and, if transferring to a card, the transit account and card number are indicated.

If funds are distributed among multiple sellers or their representatives, information is provided separately for each.

By presidential decree, effective April 1, 2026, real estate and car contracts shall be conducted exclusively via bank cards or electronic payment systems. Payments over 25 million soums and other amounts will also be converted to cashless form.