Who we are

About Stratos Fintech

STRATOS FINTECH (PRIVATE) LIMITED is a Pakistan fintech, incorporated as a private limited company. The SECP principal line of business is software, data processing and IT consultancy — the legal footing from which we are building payment, open-banking and settlement products. Live operation of those products waits on licences and host-to-host authorisations from the State Bank of Pakistan and the banks we will connect to. The company is the sole member (100%) of Stratos Fintech LLC, a Wyoming limited liability company that operates the international desk at stratosfin.io.

SECP CUIN 0345801FBR NTN J458050-3PSEB Z-25-21254/26

STRATOS FINTECH (PRIVATE) LIMITED

STRATOS FINTECH (PRIVATE) LIMITED is a Pakistan fintech, incorporated as a private limited company. The SECP principal line of business is software, data processing and IT consultancy — the legal footing from which we are building payment, open-banking and settlement products. Live operation of those products waits on licences and host-to-host authorisations from the State Bank of Pakistan and the banks we will connect to. The company is the sole member (100%) of Stratos Fintech LLC, a Wyoming limited liability company that operates the international desk at stratosfin.io.

We are building secure, scalable, cloud-native fintech platforms that help Pakistani institutions, merchants and exporters move money and data with a trail a bank can read. The long-term vision is to contribute to Pakistan’s digital financial infrastructure through open-banking, payment-gateway and instant-transfer products — always inside the framework administered by the State Bank of Pakistan, SECP, FBR, PSEB and, where relevant, the Financial Monitoring Unit.

The public website, the staff and merchant control panel, Shufti Pro KYC journeys and the official iOS/Android app are live. Card acquiring, e-money wallets and payment-system operation are not — those start after SBP licences and host-to-host bank arrangements. We state that split on every commercial page because counterparties check.

This website is operated by STRATOS FINTECH (PRIVATE) LIMITED

SECP CUIN 0345801FBR NTN J458050-3PSEB Z-25-21254/26

STRATOS FINTECH (PRIVATE) LIMITED is a Pakistan fintech. Payment gateway, open banking, instant-transfer and settlement products described on this website will go live after the required licences and host-to-host authorisations from the State Bank of Pakistan and partner banks. The company does not currently hold an EMI, PSO, PSP or banking licence.

Legal entity, CUIN and certificates

Pakistan desk

stratosfin.pk

Pakistan merchant & institutional rail desk

Support: support@stratosfin.pk

Presence

Head office / registered office
Office No 10, 2nd Floor, Business Arcade Plaza
Defence Chowk, Cantonement
Lahore, Punjab 54810, Pakistan
Technical office / back office / books of accounts
Apartment no A2-501, Block A2, Sheranwala Heights
Main Mohlanwal Road, Block N 2 Izmir Extension
Lahore, Punjab, Pakistan

What the record actually says

What we hold, and what we do not.

On the public record

  • SECP company. CUIN 0345801 · incorporated 15 July 2026
  • FBR taxpayer. NTN J458050-3 · CTO Lahore
  • PSEB IT exporter. Licence Z-25-21254/26

Not held today

  • EMI licence. Not held — no customer e-money
  • PSO / PSP. Not held — no payment-system operation
  • Banking licence. Not held — we are not a bank

Operating thesis

How Stratos works as a company today

Equal major shareholding. Founder, CEO & Director Muhammad Umair Chaudhary (CEO@stratosfin.pk) does the field work — bank meetings, regulatory offices, and anything that needs a director physically in the room. Founder, director, CTO and lead developer Mughees Ahmad (CTO@stratosfin.pk) runs the backend of the company — website, control panel, apps and architecture — and sits with the CEO when both directors are required.

Technology-first, licence-honest

Many market sites blur ‘building software’ and ‘operating payments’. Stratos keeps a clean public posture: we are an SECP-registered software company preparing regulated applications — never a pretence of being a bank or live EMI today.

Pakistan desk, Pakistan rails

This site is the Pakistan merchant and institutional desk only. Domestic banks, Raast/1LINK design, PKR collections and SBP-aware language live here — and only here.

A real control panel, not a brochure

Merchant onboarding, Shufti Pro KYC, PKR payment links, disputes, developer sandbox language and founder risk controls exist as software. Payment rails go live after the required authorisations.

Named operators in Lahore

A head office in Defence Chowk, a technical / back office at Sheranwala Heights, named executives, published grievance timelines and support@stratosfin.pk.

Leadership

Founders & executive team

Equal-share founding directors and an executive team spanning technology, operations, compliance, information systems, product engineering and growth — based in Lahore. The CEO handles field work; the CTO runs the backend and joins him when both directors must be present. Named people, real Pakistan-desk emails, published phones.

Full leadership page
MU
Muhammad Umair Chaudhary
Founder · CEO · Director
CEO@stratosfin.pk
MA
Mughees Ahmad
Founder · Director · CTO · Lead Developer
CTO@stratosfin.pk
AK
Ahmed Kamal
COO
COO@stratosfin.pk
HK
Hanzala Khalid
CIO
CIO@stratosfin.pk
SV
Shehroz Virk
CCO · Developer
CCO@stratosfin.pk
ZM
Zohaib Maalik
CMO
CMO@stratosfin.pk