Fintech
Payments, card rewards and escrow systems that work with Pakistan's banks and SBP-licensed gateways.
- Split payments
- Escrow
- Card offers
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ScepterixBuilding the products Pakistan's digital economy runs on.
We design, build and launch our own digital products across fintech, marketplaces and smart-city infrastructure. We build them for Pakistan's banks, merchants, cities and people.
Each gem in orbit is one of our products. Hover over one to stop the orbit, then scroll to browse.
What we build
Three sectors. One product studio.
We don't do client work. We find a real problem in Pakistan's economy, build a product that solves it, and run that product ourselves.
Marketplaces
Trusted two-sided marketplaces with verification, compliance and fair economics built in from day one.
- P2P resale
- Gold trading
- Compliance
Smart cities
Traffic routing and control software that gives city governments live data and better decisions.
- Traffic routing
- GovTech SaaS
- Live dashboards
Our products
Five products, each one ours.
MVP
Fintech · Consumer
OffOnMyCard
Card offers, cashback and rewards from Pakistani banks in one place. See which card saves you the most at each merchant.
Explore
MVP
Smart cities · GovTech
FlowCity
Traffic routing for smart cities, prototyped for Lahore, with live congestion data and a control dashboard for government.
Explore
In development
Fintech · Payments
DiscountSplit
Escrow-based split payments. Funds are held by an SBP-licensed gateway, then paid out separately to the provider and the platform.
Explore
In development
Marketplaces · Health & beauty
MedsForHalf
A peer-to-peer resale marketplace for sealed OTC products, supplements and cosmetics, designed to operate within DRAP rules.
Explore
Coming soon
Marketplaces · Gold
GoldMarketPK
Buy and sell gold jewellery across Pakistan at fair prices tied to the live gold rate, with purity verification and escrow payments.
ExploreHow we build
Validate. Build. Launch. Scale.
Every product goes through the same four stages. Each stage has to be proven before the next one gets funded.
Validate
We talk to banks, merchants, city bodies and users first. If the problem isn't real and costly, we don't build anything.
Build
A focused MVP built by a small senior team, with compliance built in from the start.
Launch
A controlled rollout with launch partners, measured closely and improved every week.
Scale
Once the numbers hold up, we grow nationally: more cities, more banks, more merchants.
Partner with us
We work with the people who keep the country running.
Banks & gateways
Put your card offers in front of customers when they're about to pay, and handle escrow payments through your existing licence.
Talk partnershipsGovernment & cities
Licensed SaaS that gives city administrations live traffic data and routing control.
Request a demoInvestors
A group of products that feed each other, built for Pakistan's fast-growing digital economy.
Get in touchLet's build
Build the next layer of Pakistan's economy with us.
Bank, city, merchant or investor: tell us what you're working on and we'll reply within two business days.