Regulatory Consultancy

Global banking
locally.

PakistanPay is a strategic RegTech program providing cross-border regulatory consultancy. We empower Pakistani banks to offer and receive Banking-as-a-Service (BaaS) with international member banks on a one-to-one basis, unlocking domestic settlement privileges globally.

SBP Over $2B Facilitated Annually
1-to-1 BaaS Architecture
Demanding Bank Pakistan (PKR)
Member
PakistanPay Tech Middleware
Supplier Bank Türkiye (TRY) / Gulf (SAR)
Partner
Settlement Infrastructure Local Domestic Rails
Regulatory Framework Dual-Layer Compliance

The Digital Local Currency Framework

By orchestrating reciprocal infrastructure sharing, we empower member banks to bypass foreign licenses and hard-currency intermediaries, offering seamless BaaS to their retail and SME clients.

BUY

Global Remittances

Equip your bank to route remittances instantly using local domestic rails. Bypass traditional SWIFT friction to offer your customers faster, more cost-effective cross-border transfers.

  • T+1 Settlement Cycles
  • Direct Local Rail Access
  • Transparent FX Referencing

KEEP

Onshore Wallets

Allow your retail and corporate customers to open fully functioning onshore digital wallets in partner jurisdictions, maintaining hard currency reserves via your institution.

  • Issue Onshore IBANs
  • Compliant Digital Onboarding
  • Eliminate Consumer FX Risk

SPEND

Native Payments

Provide your clients with native foreign payment capabilities directly from your banking app. Enable inbound merchant collections and outbound consumer spending natively.

  • TROY & Local Card Integrations
  • Cross-Border QR Code Support
  • Two-Way Liquidity Bridge

Addressing Pakistan's
Connectivity Crisis.

The massive outflow of human capital—over 727,000 workers and 100,000 students annually—represents a profound shift in how Pakistan connects to the world. Our syndicate model ensures domestic banks retain the economic value of these outflows.

Retain Economic Value

Keep transaction revenue and economic multipliers within domestic member banks instead of surrendering them to foreign payment processors.

Empower the Diaspora

Enable domestic banks to offer students and workers native-level financial tools abroad, transforming 'Brain Drain' into 'Brain Circulation'.

$38.3B
Record Remittances
100k+
Students Abroad
1-to-1
Bank Relationships
$2B+
Corridor Volume

The Leadership Syndicate

David Lim

David Lim

Chairman & Board Member

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Mariam Feroz

Mariam Feroz

Chief Product Officer & Board Member

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Muhammad Usman

Muhammad Usman

Chief Executive Officer & Board Member

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"A team with diverse backgrounds in finance, compliance, technology, and government relations, united to address major economical issues through an innovative Bank-to-Bank framework."

Executive Briefing FAQ

Common questions from Demanding and Supplier Member Banks.

If we don't have a local branch, how is this legal for our bank?

The DLC model operates on an Infrastructure-as-a-Service (IaaS) basis. The Demanding Bank is not "banking" in the host country traditionally; you leverage the Supplier Bank’s domestic license and rails. The Supplier Bank acts as the regulated gateway while you maintain ownership of the current account.

How does PakistanPay handle FX Risk?

In the DLC model, member banks hold Hard Currency (USD/EUR) reserves. The demanding bank only converts to local currency to settle exact amounts during a T+1 window, optimizing the trade rate without holding volatile local currency long-term.

Is this a cryptocurrency or blockchain system?

No. PakistanPay is a RegTech program that provides a regulatory framework and technical middleware for domestic rail access using ISO 20022 standards. We use existing regulated banking rails, not blockchain or decentralized finance.