Mobile-First Neobank & Digital Wallet Fintech Platform

Fintech app

About the app

SadaPay is Pakistan’s fastest-growing neobank, built by M TECHUB LLC with 5+ million downloads, offering fee-free digital banking, numberless Mastercard cards, and instant Raast transfers. It was later acquired by Turkish neobank Papara.

Location: Islamabad, Pakistan

Banking the Unbanked

SadaPay set out to bring fee-free banking to Pakistan’s unbanked population through a mobile-first neobank with fast NADRA-based signup, free Mastercard cards, and instant zero-fee Raast transfers.

Tech Stack:

React Native, Node.js, PostgreSQL, Redis

Duration: 1 Year+

Our challenge

A mobile-first neobank for Pakistan’s 220+ million unbanked, with fast NADRA-based onboarding, fee-free digital wallets, Mastercard debit cards, instant Raast transfers, and bank-grade security under SBP’s EMI licence.

The Process

01 Discovery & Conceptualization

Understanding SadaPay’s vision to build Pakistan’s first true neobank and the financial needs of a 220M+ population underserved by legacy banking

02 Market Analysis

Gauging the competitive landscape against JazzCash, Easypaisa, and NayaPay, identifying the gap for a premium, fee-free digital banking experience

03 Technology Selection

Choosing React Native, Node.js microservices, Mastercard APIs, Raast payment rail, and NADRA KYC integration for a regulatory-compliant mobile banking stack

04 Core Banking Engine Development

Building the digital wallet, Mastercard card issuance system, instant P2P transfers, bill payment engine, international remittance module, and business account infrastructure

05 Design & Development

Creating the 2-minute onboarding flow, transaction dashboard, card management screens, transfer interfaces, bill payment UX, and in-app live chat support system

Where Fintech Meets Simple Design

M TECHUB LLC’s strategy integrated deep fintech and regulatory expertise with minimalist, consumer-first mobile design, focusing on a sleek interface that would resonate with Pakistan’s young, digitally savvy population making banking feel as intuitive as messaging, with the security and compliance standards required by the State Bank of Pakistan and Mastercard’s global network.

Sleek, minimalist UI for onboarding, transactions, card controls, and payments, redefining mobile banking UX.
Fee-free banking stack with digital wallets, Mastercard issuance, instant Raast transfers, and bill payments, built on scalable microservices architecture.
Every feature built to make money simple for Pakistan's unbanked, cutting fees, reducing onboarding to under two minutes.
NADRA-integrated KYC, SBP EMI licence compliance, numberless card design, and encrypted transaction processing across all modules.

Scalable Neobank Architecture

A versatile mobile-first neobank with 2-minute NADRA onboarding, numberless Mastercard cards, instant Raast transfers, and business accounts, earning SadaPay recognition as Pakistan’s most-funded fintech and acquisition by Papara.

Mobile-First Fintech for 220 Million

SadaPay proves that fee-free, beautifully simple banking is possible in an emerging market, letting millions open accounts in minutes and leapfrog straight to a mobile-first financial future.

Project results

5 million+ downloads and 151,000+ reviews, making SadaPay Pakistan's fastest-growing neobank and most-funded fintech with $20 million raised.
2-minute onboarding via direct NADRA integration, replacing the days-long KYC process at traditional Pakistani banks.
Acquired by Turkish neobank Papara with SBP approval, marking a landmark fintech M&A and expansion into the Middle East and South Asia.

200,000+ users joined the waitlist pre-launch, validating massive demand for fee-free banking among Pakistan's 220 million people.
Free numberless Mastercard debit cards issued to millions, enabling secure payments across Pakistan and internationally.
Instant zero-fee Raast transfers and competitive FX remittances, processing millions of transactions monthly with 99.9% uptime.

Got an idea for
your project?

We have helped 600+ companies transform their business with top-notch tech solutions.