Flux

Pakistan’s first fully Islamic digital bank

No riba.No hidden fee.No exceptions.

Every contract is published in plain Urdu and English before you agree to it.

Join the waitlistExplore features

السلام علیکم

  • PKR

    Every transaction settles in rupees

  • 100%

    Shariah compliant

  • CNIC

    Verification, with no branch visit

  • Apple Pay · Google Wallet

    Card ready for both

What Flux does

Pick how you will use it

The app shows you only what your role needs. Choose one and see exactly what you get.

Collect payments in rupees

Create a payment request, share it on WhatsApp, and watch it settle. Every amount stays in PKR.

  • Dynamic QR + Payment Links
  • One-tap WhatsApp share
  • PKR instant settlement
  • Live Pending / Settled view
  • “How is this Halal?” explainer

The card

An Islamic bank card that lives in your phone

Add it to Apple Pay or Google Wallet, pay contactless in rupees, and freeze it from the app whenever you want.
Join the waitlist
Apple Pay
Add it in one tap, straight from the app.
Google Wallet
Works the same way on Android.
Contactless
Tap to pay anywhere, always in rupees.
Instant Control
Freeze and unfreeze it yourself, instantly.
The Flux debit card, in deep emerald

Getting started

Four steps, in this order

You cannot transact before you verify, so the order matters.

  1. Merchant, employer, freelancer or a women’s account. The app shows you only what that role needs.

  2. Digital verification against your CNIC. No branch visit and no paperwork.

  3. Collect a payment, run payroll, or receive money from abroad.

  4. One tap to Apple Pay or Google Wallet, then pay contactless anywhere.

What comes when

The order we are building in

Everything below this is planned, not promised.
4 available8 still planned

  1. Available now

    • Payment collection
    • Salary disbursement
    • Freelance remittance
    • Digital card in Apple Pay and Google Wallet

  2. Next

    3 items
    • Akhuwat interest-free loans
    • Asset finance
    • SME loans

  3. Later

    2 items
    • Women-friendly accounts
    • Educational loans

  4. Planned

    3 items
    • Invoicing
    • Merchant facilities
    • Bank guarantee letters

Launch offers

Arriving at launch

Nothing here is live yet — these land the day Flux opens.

  • Referral rewards

    Details are announced once Flux opens.

  • First transaction perk

    Announced at launch, not before.

  • Early access window

    Waitlist members get first access.

Merchant network

Where you'll be able to pay

Onboarding opens once collections go live.

  • Retail & grocery

    Opens for onboarding once collections go live.

  • Transport & ride-hailing

    Joins the network after collections launch.

  • Bills & utilities

    Added once payment collection is live.

Independently certified

Every contract is reviewed by a Shariah board before it reaches you, and both documents are published in full.

Shariah Board
Shariah Certificate

From the team

Our story, after we launch

No press or updates yet — we would rather ship the app first.

Hear it first

Coming soon on iOS and Android

Be on the list when Flux opens

One email when the app is ready. Nothing else, ever.

This form collects your name, phone and email. Read our privacy policy.

What do I get?
One email the day the app is live. No newsletter.
Is my data shared?
No. Name, phone and email, stored once, never sold.
Does it cost anything?
The waitlist is free and joining commits you to nothing.

Prototypes · demo data, not live

Employer PortalPayroll, EWA, reconciliationInvestor DeckDraft presentation