Give people control over their own money
Smartlyy Ltd is a UK-registered company building a cross-border money platform for the USA, UK, Europe and Pakistan corridor. We're preparing to launch in 2026.
The person the money is for should decide when it's converted
When money arrives from abroad, people are usually forced to convert into local currency immediately, at whatever rate applies that day. We think that decision belongs to the recipient, not the system.
In a corridor where the local currency has fallen sharply, forced conversion quietly costs families and earners real money. It isn't a headline fee; it's the difference between the rate on the day money lands and the rate the recipient would have chosen.
Smartlyy is built around a simple shift: let people hold value in pounds, dollars or euros, and convert to rupees on their own timing. Control and choice, rather than a default that favours everyone except the recipient.
USA, UK, Europe and Pakistan
This corridor combines a large diaspora sending money home with a fast-growing community of freelancers and exporters earning in foreign currency. Both are exposed to the same forced-conversion problem.
Remittances received by Pakistan in the year to June 2026.
Pakistan's annual IT and freelance exports.
How we approach the work
Clarity over hype
We describe what we do plainly and honestly — including where we are in our regulatory journey.
Built for real families
The corridor isn't abstract to us. It's the money that supports households and rewards hard work.
Responsible by design
We work with regulated partners and build compliance in from the start rather than bolting it on later.
Who's building Smartlyy
Alyas Chaudary
Founder & CEO, Smartlyy Ltd
Alyas holds an MBA from Oxford and an LLB, and has spent his career in finance with a particular focus on the UK–Pakistan corridor. As a dual UK–Pakistan national splitting his time between both countries, he has direct experience of both sides of the transfer — the diaspora sending money home, and the families receiving it.
Smartlyy began with a simple observation. When money arrives in Pakistan from abroad, the recipient has no say in what happens next. It converts into rupees immediately, at whatever rate applies that day, and the decision is made for them. Over the past five years the rupee has lost more than 60% of its value against sterling, which means that forced conversion quietly costs families far more than any transfer fee ever does.
Alyas started Smartlyy to move that decision back to the person receiving the money — so they can hold what they have been sent, and convert it when it suits them.
Registered and operating from the UK
- Legal name
- Smartlyy Ltd
- Company number
- 16587096
- Registered in
- England and Wales
- Registered office
- 20-22 Wenlock Road, London N1 7GU
Be part of the launch
We're building Smartlyy now and launching in 2026. Join the waitlist to follow along and be first in.