Smartlyy is building a cross-border money platform for the USA, Canada, UK, Europe to Pakistan (Phase I). When money arrives from abroad, you can hold it in USD, CAD, GBP, EUR — and convert to PKR when the timing works for you, not the moment it lands.
231 people have already joined the waitlist
Smartlyy launches on this corridor first — receive in USD, CAD, GBP or Euros, and convert to PKR only when the timing is right. From there we expand to the GCC, the rest of South Asia, Africa and LATAM.
Our first corridor. Receive and hold USD, GBP and EUR, and convert to rupees on your timing.
Extending the same hold-and-convert model to the Gulf, home to millions of Pakistani workers.
Broadening beyond Pakistan into more high-remittance corridors across South Asia, Africa and LATAM.
Corridors roll out in phases. Availability and timing will be confirmed at launch.
Receive into named accounts, hold in the currency that arrived, and convert to rupees only when the rate works for you.
Named accounts in dollars, pounds and euros, with real account details for international payments.
Keep the value in the currency it arrived in — no forced conversion the moment money lands.
Convert to PKR etc when the timing works for you, not whatever rate applies on the day it arrives.
Hold in one currency, convert to another when the rate suits you.
Illustrative rate: £1 ≈ ₨380 (GBP→PKR). Not a live quote — rates and available currencies will be confirmed at launch.
When money arrives from abroad, recipients are normally made to convert into local currency immediately — at whatever rate applies that day. In a falling-currency market, that timing isn't neutral. It's a cost.
Pakistan's rupee has fallen more than 60% against sterling since 2021. Converting on arrival locks in that day's rate, whether it's a good one or not.
Families and businesses rarely get to choose when they convert. The decision is made for them at the moment money lands.
Smartlyy lets the recipient hold value in pounds, dollars or euros and convert to rupees on their own timing — putting the choice back in their hands.
Use today's live rate to compare converting on arrival with holding and converting later. Adjust the amount and holding period to see the difference.
Enter an amount and a holding period to compare converting on arrival with holding and converting later.
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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.
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. It's about control and choice — not just a cheaper transfer.
Explore Smartlyy Remit
For freelancers and businesses getting paid
Named bank accounts in USD, GBP and Euros 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 PayThe flow is simple, and the choice of when to convert always stays with the recipient.
01A sender in the US, UK or Europe funds a transfer to family or a business in Pakistan.
02The recipient receives value they can hold in USD, GBP and Euros — not converted on arrival.
03The recipient decides when to convert to PKR, based on their own needs and timing.
04PKR is made available to spend or withdraw locally once converted.
These are real market figures for the corridor Smartlyy is built for. They describe the scale of the opportunity — and the cost of getting currency timing wrong.
Remittances received by Pakistan in the year to June 2026.
Fall in the rupee against sterling since 2021.
Pakistan's annual IT and freelance exports.
A few common questions about Smartlyy, how it works and what stage we're at.
We're building now and launching in 2026. Join the waitlist and we'll keep you posted as we get closer — no spam, just launch updates.
231 people have already joined the waitlist
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