Trust & governance
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.
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.
Why this page exists
Building fintech in Pakistan is not a single registration. SECP governs company formation and much of the non-banking corporate perimeter. SBP governs payment systems, e-money, foreign exchange channels and digital banking. PSEB matters for IT/ITeS export positioning. Confusing those layers is how startups create legal and partner risk.
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.
Central bank and primary regulator for payment systems, EMIs, PSOs/PSPs, foreign exchange and digital banking. Oversees Raast and licensing under the Payment Systems and Electronic Fund Transfers Act, 2007. Stratos does not hold an SBP licence today.
Securities and Exchange Commission of Pakistan — company incorporation and the non-banking corporate perimeter. Stratos is SECP-registered under CUIN 0345801, incorporated 15 July 2026 under the Companies Act, 2017.
Pakistan Software Export Board — IT/ITeS export registration. Stratos holds PSEB IT Export License Z-25-21254/26, which frames inbound software-export remittances as documented IT services.
Raast is SBP’s instant payment system (P2P, P2M, bulk). 1LINK operates as a bank-consortium switch. Product design at Stratos assumes interoperability with both — as software, not as an unlicensed operator.
FBR tax registration (NTN J458050-3, tax office CTO Lahore), Financial Monitoring Unit pathways for STR/CTR reporting once we are a reporting entity, and PTA only where a telecom interface actually arises.
Roadmap
The sequence below is the practical path used by serious Pakistani payment and e-money applicants under public SBP frameworks. Exact capital figures, forms and timelines are set by the regulator and may change — treat this as orientation, not a filing manual.
Private limited company under the Companies Act, 2017. Equal founder shareholding, registered office in Punjab, principal objects limited to software, data processing and IT services subject to permissions.
FBR NTN J458050-3, PSEB IT export licence Z-25-21254/26, dual-office operational setup (Defence Chowk head office + Sheranwala Heights technical / back office), published legal pack, and named directors on the public site.
Map each product surface to the correct bucket: pure software/export vs activities that require SBP PSO/PSP, EMI, or authorised-dealer bank partnerships.
Depending on final product scope: PSO/PSP authorisation, EMI licence, regulatory sandbox participation, and/or bank-sponsored models. Public frameworks commonly cite capital in the PKR 200 million class — we plan accordingly rather than implying we already have it.
Public frameworks generally run In-Principle approval → Pilot operations → Commercial authorisation. We will publish status as it changes.
SBP’s Rules for Payment System Operators and Payment Service Providers (issued under the Payment Systems and Electronic Fund Transfers Act, 2007) cover electronic routing, switching, processing and related gateway services. Authorisation is commonly described in three stages: in-principle approval, pilot operations, then commercial operations. Public materials often cite a minimum capital in the order of PKR 200 million, with additional capital for extra lines of business. PSOs/PSPs are not meant to act as custodians of consumer money or perform banking functions reserved to banks.
Electronic Money Institution regulations enable e-money issuance and wallet models for consumers, merchants and agents — again under multi-stage licensing, capital, governance (fit-and-proper), cybersecurity, and AML/CFT requirements. Applicants must already be SECP-registered companies with Pakistan presence. Stratos will only market EMI-style balances and consumer wallets after the relevant licence path is complete.
Cross-border
Pakistan’s foreign-exchange regime channels dealings in foreign currency through SBP Authorised Dealers — in practice, banks. That structural fact means serious cross-border fintech products are usually designed as bank-partnered corridors, not as freestanding unlicensed FX businesses. This Pakistan desk designs export-documentation software and bank-partnered collection status — not a standalone FX house.
Internationally, comparable programmes (EU payment/EMI frameworks, US bank-sponsor or money-transmission models, UAE/UK payment-institution routes) require local counsel. We publish honest privacy language so counterparties see operational maturity early — without claiming licences we do not hold.
If you are a bank, law firm, or institutional partner evaluating Stratos, start with our security statement and contact the compliance or founder desk.
