Payment and lending products built to survive scrutiny
Financial products carry regulatory weight and are judged on trust before features. We build fintech with proper audit trails, encryption and reconciliation, because retrofitting those is far more expensive than doing it right.
The market reality
Raast and the wider digital-payments push have made account-to-account transfers routine in Pakistan, but reconciliation is still where most small fintech products break — usually because the ledger was added after launch rather than designed in.
What fintech businesses deal with
- Payment reconciliation done by hand every day
- No audit trail when a transaction is disputed
- KYC collected on paper or over WhatsApp
- Security posture that will not survive a bank partner review
- No visibility of failed or stuck transactions
What we build
Payment integration
JazzCash, Easypaisa, bank rails and card gateways with automatic reconciliation.
Digital KYC
Document upload with verification workflow, replacing paper files.
Audit trail
Every transaction and state change logged immutably for dispute resolution.
Ledger accuracy
Double-entry ledger so balances always reconcile, including on failures.
Security
Encryption at rest and in transit, role-based access, and session controls.
Integrations
Compliance in Pakistan
- SBP regulations apply to payment and lending products — licensing requirements should be confirmed before build
- Customer financial data must be encrypted at rest and in transit
- KYC and AML record-keeping obligations apply to regulated activity
- Transaction records must be auditable and tamper-evident
Services this sector uses most
Mobile App Development
Android and iOS apps built to ship, not to demo
From Rs. 50,000
Web Application Development
Custom software for how your business actually runs
From Rs. 30,000
UI/UX Design
Interfaces people understand without being taught
From Rs. 6,000
MVP Development
Launch in weeks, learn from real users, then scale
From Rs. 30,000
Questions
- Do we need SBP approval?
- It depends on what you are building. Payment aggregation, lending and wallet products are regulated; a tool that sits on top of a licensed provider often is not. Confirm with a legal advisor early — it changes the architecture.
- How do you handle transaction security?
- Encryption at rest and in transit, an immutable audit log, role-based access, and a double-entry ledger so balances reconcile even when a payment fails midway.
- What does a fintech MVP cost?
- From around Rs. 50,000 for a focused MVP on top of an existing payment provider. Full platforms with KYC, ledger and compliance reporting cost considerably more — we scope those properly first.