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.
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 0345801 · FBR NTN J458050-3 · PSEB 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.
Presence
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.
Official documents
Regulatory status & certificates
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.
SECP · STRATOS FINTECH (PRIVATE) LIMITED · CUIN 0345801 · Incorporated 15 July 2026
Z-25-21254/26 · July 2026 to June 2027 — IT/ITeS export registration, not a payment licence
FBR · NTN J458050-3 · Tax Office: CTO Lahore — this is the tax ID, not the company registration number
Exact registered name, CUIN 0345801, Articles, PSEB Z-25-21254/26, the NTN certificate, and the SECP verification link.