The Distribution Channel Is Built. Now It's Time to Monetize.
SadaPay has built the largest Electronic Money Institution in Pakistan, with over 3 million registered users and 1 million monthly active users across a 240-million-person market. That distribution channel, the hardest thing to build in consumer fintech, is already in place.
Revenue grew in 2025 to , driven entirely by organic growth in the existing consumer card business. This growth came despite an 18-month code freeze, a skeleton engineering crew, zero new product launches, and zero investment in marketing or growth activities.
With the acquisition unwinding, SadaPay is getting its company back. The thesis is straightforward: a small, AI-augmented engineering team launches five major product lines into an existing base of millions of engaged users, turning distribution into revenue. SadaPay's existing technology platform, card issuing infrastructure, and 3M+ user base provide the foundation for all five product lines.
The products are not speculative. They address documented, massive demand gaps in one of the world's largest unbanked and underbanked populations: digital dollars, secured credit cards, US equity access, digital gold savings, and corporate expense cards.