Pakistan's first user-owned money app.
Pakistan
Joined October 2025
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Nearly $10T in stablecoins moves every month now.
They're not a crypto side quest anymore. They're a payment rail.
But if yours sits on an exchange, you don't hold dollars. You hold a claim on someone else's.
Move it to HandlePay. Your keys, your dollars, cash out to your bank in PKR whenever you need.
Deposit from any exchange or wallet. EVM chains live, Tron and Solana next.
Most freelancers in Pakistan find out what they received after it lands.
On HandlePay you see it before you confirm. The rate. The 0.4% fee. The exact rupees.
Any Pakistani bank. Verify once. Then tap and send.
You hold the keys.
The next neobank won’t be global.
@MehdiFarooq2’s keynote at @kbwofficial in Seoul.
Pakistanis paid from abroad lose up to $50 a wire and wait 3 to 4 days. Here people think in PKR and cash out over Raast.
None of that makes a global roadmap. So we built HandlePay here 🇵🇰
HandlePay is heading to @token2049.
Meet our Co-Founder @MehdiFarooq2 in Singapore 🇸🇬 from 6–8 October. If you’re around, come say hello.
Everyone wants to be the global neobank.
We'd rather be the one a freelancer in Karachi actually opens every day.
Pakistan first. Depth before breadth.
@MehdiFarooq2 with @DavidThaDegen at KBW explains the thesis behind HandlePay and why he chose Pakistan.
Most crypto neobanks want to go global. @MehdiFarooq2 is starting with Pakistan.
After working at @hypersphere_ and @animocabrands, he’s building @HandlePay0 to bring dollar payments, savings and global investing into one app.
@DavidThaDegen caught up with him at @kbwofficial about the opportunity back home, why every emerging market needs a different approach, and what he didn’t understand about being a founder until he became one.
HandlePay is coming to Seoul for @kbwofficial 2026.
Our co-founder @MehdiFarooq2 takes the keynote stage with a thesis most of the industry has backwards: the next neobank won't be global.
Sep 30
12:20 to 12:40 KST
See you at KBW. 🇰🇷
HandlePay retweeted
Three megatrends. One app.
1) Stablecoins: $300B today. Citi says $1.9T by 2030, $4T in the bull case.
2) RWAs: $11.8B to $33.5B onchain in 12 months. Same pace puts it near $100B in 2027. Tokenized stocks traded $15.1B in Q1 alone.
3) Pakistan: recorded $41.6B in remittances, more than the country's entire exports. Freelancer earnings up 78% YoY to $1.8B. 3M freelancers, 4th largest workforce on earth.
Earn in dollars. Hold in stablecoins. Own tokenized assets. Pay out in PKR.
@HandlePay0 sits at the confluence of all three: the decentralised stablecoin neobank for Pakistan.
Spend directly from your USD, USDT, or USDC balance, without converting to rupees first.
Earn globally. Spend locally. 🔜
The wait is finally over! HandlePay is LIVE. 🎉
Invite friends to earn $3 + 50 HP for every successful referral and climb the leaderboard.
The highest-ranked members unlock OG Founder perks:
• OG Founder Metal Card
• Bitcoin cashback rewards
• Exclusive HandlePay merch and more
Once you're in, request the Code from a Handle member, enter it to join the Handle Movement, then claim your own referral code to start sharing and climbing the leaderboard.
You don't own it if someone else can freeze it.
A number on a screen isn't ownership. Not being able to be stopped is.
HandlePay is self-custodial, giving you full control over your money. Only you can access it, move it, and decide what to do with it, no one can freeze it, hold it, or decline it.
HandlePay retweeted
Every crypto neobank is racing to be global. Everywhere at once, and nowhere that actually matters.
Meanwhile Pakistan - the 3rd-largest crypto market on earth - is stuck. You can hold dollars, but you can't off-ramp to your own bank account. Can't pay a utility bill. Can't buy foreign stocks. Can't earn yield. Not from one place, anyway.
So people do what I've watched them do for years: juggle 5 apps, lose money to bad FX on every conversion, and still can't land dollars in a local account when it actually counts.
That's not a global problem you solve on the side. It's a market that deserves to be built for.
So that's what I'm doing. HandlePay 🇵🇰
