Smartlyy Remit
For the diaspora sending money home. You fund your account, your family receives value they can hold in foreign currency, and they convert to rupees on their own timing.
Explore Smartlyy Remit ↗Two products, one platformBuilt for the two people
Built for the two people
the corridor forgets.
Whether you're sending money home or getting paid by clients abroad, the principle is the same: hold your money in the currency you want, and convert when you choose.
Smartlyy Pay
Named bank accounts in USD, GBP, EURO, AED and SAR for Pakistani freelancers, IT exporters and small businesses. Get paid by clients on Upwork, Fiverr or directly, and hold your earnings in the currency you earned them.
Explore Smartlyy Pay ↗Our corridors
Our first corridor
USA | UK | Europe | GCC → Pakistan
Phase 2
USA | UK | Europe | GCC → South Asia
Phase 3
USA | UK | Europe | GCC → Africa
Phase 4
USA | UK | Europe | GCC → LATAM
Phase 5
Rest of the World
Send · Receive · ConvertThree steps, and
Three steps, and
the timing stays yours.
Receive into named accounts, hold in the currency that arrived, and convert to Local Currency only when the rate works for you.
01 Receive
Named accounts in USD, GBP, EURO, AED & SAR with real account details for international payments
02 Hold
Keep the value in the currency it arrived in — no forced conversion the moment money lands.
03 Convert
Convert to your local currency when the timing works for you, not whatever rate applies on the day it arrives
How it worksMoney that waits
Money that waits
for the right moment.
The flow is simple, and the choice of when to convert always stays with the recipient.
Money sent
from abroad
A sender in the US, UK, Europe or GCC funds a transfer to family or a business in Pakistan.
Received and
held in currency
The recipient receives value they can hold in USD, GBP, Euros, AED, SAR — not converted on arrival.
Convert when
it suits you
The recipient decides when to convert to local currency, based on their own needs and timing.
Spend or
withdraw
PKR is made available to spend or withdraw locally once converted.
Put your balance
to work
Explore Shariah-compliant profit on eligible PKR balances and Islamic Naya Pakistan Certificates in supported currencies.
Optional earning opportunitiesPut your balance
Put your balance
to work.
Explore two ways to earn, depending on your balance, eligibility and chosen terms.
Shariah-compliant profit on PKR balances
Eligible PKR balances can earn variable Shariah-compliant profit. Availability, the applicable profit rate and payout arrangements will be confirmed under the final bank terms.
Islamic Naya Pakistan Certificates
A separate term investment option for eligible customers in USD, GBP, EUR, AED and SAR. Choose a currency and tenure, with expected profit rates and access to funds governed by the certificate terms.
Earning is optional. You do not need to spend or withdraw first. These facilities are planned and subject to final bank agreement. Rates shown in the image are illustrative annual rates; expected profit is not guaranteed.
The old way
Convert on arrival
- Converted the moment money lands
- Locked into that day's exchange rate
- No say in the timing of the conversion
The Smartlyy way
Hold, then convert on your terms
- Received and held in USD, GBP, EURO, AED, SAR
- Convert to PKR only when you choose
- The timing decision stays in your hands
Send · Receive · SpendOne platform.
One platform.
More possibilities.
Hold your money in the currency you want, and convert when you choose.
QuestionsEverything you
Everything you
might want to know.
A few common questions about Smartlyy, how it works and what stage we're at.
Join the waitlist ↗When is Smartlyy launching?
We're building now and launching in December 2026. Join the waitlist and we'll keep you posted as we get closer.
Which countries and currencies does Smartlyy support?
Our first corridor is USA | UK | Europe | GCC → Pakistan. Phase 2 expands to South Asia, Phase 3 to Africa, Phase 4 to LATAM and Phase 5 to the rest of the world. Currencies include USD, GBP, EURO, AED and SAR. Availability and timing will be confirmed at launch.
How is this different from a normal money transfer?
Smartlyy lets the recipient hold value in USD, GBP, EURO, AED or SAR and convert to local currency on their own timing — putting the choice back in their hands.
Does Smartlyy hold my money?
Smartlyy does not hold customer funds. Money is held and moved by regulated payment and wallet infrastructure partners.
Is Smartlyy regulated?
Smartlyy is not currently regulated, licensed or authorised by the Financial Conduct Authority or any other authority; regulatory applications are in progress.
Still have questions?
Ask Smartlyy’s AI assistant in English, Roman Urdu or اردو.
Voice notes: under 60 seconds. Replies are AI-generated.
Ask Smartlyy AI on WhatsApp
Be first to know
when Smartlyy launches.
We're building now and launching in December 2026. Join the waitlist and we'll keep you posted as we get closer — no spam, just launch updates.
Prefer to speak?
Type in English, Roman Urdu or اردو. Or send a voice note in English or Urdu and get a spoken reply.
Voice notes: under 60 seconds. Replies are AI-generated.
Ask Smartlyy AI on WhatsApp