INTRODUCING PKRC — PAKISTAN'S DIGITAL RUPEE

Don't watch the shift.
Lead it.

Move money. Launch products. Reach every Pakistani. One full-stack platform connecting financial systems and offline networks — so you can make your next move.

Partner with JaybPay Learn about PKRC

PKR Coin

PKRC · Stellar

₨1,100

Total supply in circulation

Live on Stellar

PAYMENT SENT

₨500

Settled in <2 seconds

✓ Confirmed

OFFLINE MODE

No internet required

SMS · Bluetooth · USSD

OUR MISSION

JaybPay is building the foundation for Pakistan's open financial system.

Trusted by Pakistani innovators since 2024, our full-stack platform — including PKRC, JaybPay Payments Network, and Developer SDK — connects traditional finance and Stellar blockchain infrastructure to create a new financial system accessible to every Pakistani.

58% of Pakistanis remain unbanked. Remote areas lack connectivity. Cash is still king. We're changing all three — simultaneously.

Learn about our platform

● Live

PKRC Balance

₨12,450

≈ 12,450 PKRC · Stellar mainnet

RECENT

↑

Sent to Fatima

2m ago

-₨500

↓

Received from Ali

1h ago

+₨2,000

REGULATION & COMPLIANCE

Operating responsibly in Pakistan.
So you can too.

JaybPay is one of Pakistan's most compliance-forward fintech platforms, operating under SBP's Electronic Money Institution (EMI) regulatory framework.

Pakistan 🇵🇰

Operating under SBP's EMI Framework. KYC/AML compliant. NADRA-integrated identity verification.

Stellar Network

PKRC issued on Stellar mainnet. Full on-chain transparency. Monthly reserve attestations published publicly.

Reserve Backed

Every PKRC is 100% backed by PKR held in licensed financial institutions. No fractional reserves.

USE CASES

Welcome to money
without friction.

PAYMENTS

24/7 real-time money movement

Enable instant, low-cost payments across Pakistan that settle in under 2 seconds — any time, for anyone with a phone number. No bank account required.

Settle in seconds — not days. Available 24/7 including weekends
Fees under ₨0.50 per transaction — 100x cheaper than bank transfers
Works offline via SMS or Bluetooth — no data needed

Learn more

Karachi → Lahore

Phone to Phone

₨5,000

1.2s ✓

Quetta (offline)

via SMS

₨300

Pending sync

Merchant QR

Scan to pay

₨150

0.8s ✓

DEVELOPERS

Build Pakistan's next fintech on our infrastructure

Everything you need to ship financial products on Pakistan's most accessible payment rail. REST API, SDKs, Stellar integration, and developer documentation.

Payments API — send/receive PKRC with 3 lines of code
Webhooks for real-time transaction events — no polling
Stellar Horizon API compatible — build with standard tooling

Start Building

index.html

<script src="https://cdn.jaybpay.com/v1/jaybpay.js"></script>

<button
  data-jaybpay
  data-amount="500"
  data-to="GYOUR_STELLAR_ADDRESS_HERE"
>
  Pay 500 PKRC
</button>

THE PLATFORM

Pakistan's financial stack.
Build on it.

Enterprise-grade digital assets, apps, and infrastructure designed for fintech builders and institutional partners alike.

STABLECOIN

PKR Coin

Pakistan's first regulated digital rupee. 1:1 PKR peg, fully reserved, Stellar mainnet.

Learn more

DEVELOPER

Payments API

One integration for instant PKRC payments. REST API, webhooks, and Stellar SDK support.

Join waitlist

APP

JaybPay Wallet

Consumer app for sending, receiving, and holding PKRC. Works with 2G, SMS, and Bluetooth.

Coming soon

INFRASTRUCTURE

Offline Mode

Cryptographic offline payment protocol. SMS, Bluetooth, and USSD support for 0G environments.

Read the docs

LIQUIDITY

Agent Network

10,000+ cash-in/out agents across Pakistan. Mint and redeem PKRC through retail stores and franchises.

Become an agent

ANALYTICS

Smart Analytics

Real-time dashboards for transaction flows, user trends, and reserve health — with on-chain verification.

Coming soon

Don't watch the shift.
Lead it.

JaybPay is building the foundation for Pakistan's open financial system.

Operating responsibly in Pakistan.
So you can too.

Welcome to money
without friction.

24/7 real-time money movement

Pakistan's families, connected financially

Accept digital payments anywhere in Pakistan

Build Pakistan's next fintech on our infrastructure

Pakistan's financial stack.
Build on it.

PKR Coin

Payments API

JaybPay Wallet

Offline Mode

Agent Network

Smart Analytics

Built for scale.
Designed for every Pakistani.

Let's build together.

Partner with JaybPay

Build with JaybPay

Be first. Shape Pakistan's
financial future.

Don't watch the shift. Lead it.

JaybPay is building the foundation for Pakistan's open financial system.

Operating responsibly in Pakistan.So you can too.

Welcome to moneywithout friction.

24/7 real-time money movement

Pakistan's families, connected financially

Accept digital payments anywhere in Pakistan

Build Pakistan's next fintech on our infrastructure

Pakistan's financial stack.Build on it.

PKR Coin

Payments API

JaybPay Wallet

Offline Mode

Agent Network

Smart Analytics

Built for scale.Designed for every Pakistani.

Let's build together.

Partner with JaybPay

Build with JaybPay

Be first. Shape Pakistan'sfinancial future.

Don't watch the shift.
Lead it.

Operating responsibly in Pakistan.
So you can too.

Welcome to money
without friction.

Pakistan's financial stack.
Build on it.

Built for scale.
Designed for every Pakistani.

Be first. Shape Pakistan's
financial future.