Launching in Pakistan

Hold dollars.Own the world.

Own US stocks, ETFs, gold and crypto from one dollar balance, starting with $10. Self-custodial, so your money and your keys stay yours.

Coming to iOSComing to Android
Dawlat Invest home showing a dollar portfolio with US stocks
$10Start with $10Stocks, ETFs, gold, crypto
Your keysNever ours
Backed by
Paper Venturesdao5Selini CapitalSarmayacarMoat Investing
Why Dawlat

Saving in rupees is a slow loss. Owning the world's best assets is how wealth grows.

Rupees lose.

The rupee lost 43% of its value against the dollar in 20 months.

Hold dollars.

A dollar balance protects what you have saved.

Own the world.

US stocks, ETFs and gold are what savings become when they work.

Source: State Bank of Pakistan exchange rates.

Invest

Own the world's best.

Buy US stocks, ETFs, gold and crypto with as little as $10. No foreign broker and no dollar wire.

  • Start with $10
  • 10+ US stocks and ETFs
  • 10+ crypto assets
  • Your whole portfolio in one view
Available at launch
Invest screen with holdings
Money

Dollars in. Rupees out.

Get paid in US dollars and cash out to any bank in Pakistan in minutes, over Raast.

  • USD account with ACH deposits
  • PKR to any Pakistani bank over Raast
  • Checks on every incoming payment
Available at launch
Money wallet screen with a USD balance
Vaults

Put idle dollars to work.

Choose vaults in private credit, gold trade finance, T-Bills and stablecoins. Every position stays in your own wallet.

  • Real-world assets, held on-chain
  • Clear terms before you commit
  • Withdraw back to your dollar balance
Coming soon
Send

Get paid from anywhere.

Accounts in euros, pounds and dirhams, payment links and a Dawlat username anyone can pay.

  • EUR, GBP and AED accounts
  • Pay-Me links and invoices
  • Send to any @username in seconds
Coming soon
Card

Your dollars, on a card.

Virtual and physical cards that spend straight from your dollar balance, with no FX markup.

  • Virtual card in minutes
  • Physical card for everyday spending
  • No FX markup
Coming soon
One balance

Every asset class, from $10.

NVDA NvidiaAAPL AppleMSFT MicrosoftSPY S&P 500 ETFGOLD GoldQQQ Nasdaq-100 ETFBTC BitcoinAMZN AmazonETH EtherGOOGL AlphabetBNB BNBTSLA Tesla

US stocks

Own a slice of the companies you use every day.

NVDAAAPLMSFT

ETFs

Whole markets in a single holding.

SPYQQQ

Gold

The oldest store of value, without the vault.

GOLD

Crypto

Major coins next to the rest of your money.

BTCETHBNB

Tickers are examples of each asset class. The full list will be shared before launch.

Where we're going

Built in Pakistan. Made for the frontier.

The same problem exists across fast-growing markets: savings stuck in a weakening currency. Dawlat brings one app to each of them, with local rails.

840M+
people across six markets
$150B+
in remittances a year
  • PakistanFirst
  • BangladeshNext
  • Sri LankaNext
  • EgyptLater
  • NigeriaLater
  • KenyaLater
Map of Pakistan, Bangladesh, Sri Lanka, Egypt, Nigeria and Kenya, shaded by launch order

Population: UN World Population Prospects. Remittances: central banks of each market, latest full year.

Security

Your money.
Your keys.

Dawlat runs on a self-custodial smart wallet. We never hold your funds or your keys, and every transaction is recorded on-chain.

Self-custody

Your assets sit in a wallet only you control. Dawlat cannot move them.

Verified people

Identity checks by Sumsub and a risk engine on every incoming payment.

Simple sign-in

Sign in with Google. No seed phrase to write down or lose.

Built withBNB ChainOndoSumsubPrivyZeroDevWalaPayReap
FAQ

Questions, answered.

Who holds my money?

You do. Your dollars and assets sit in a self-custodial wallet that only you control. Dawlat never holds your funds or your private keys.

How much do I need to start?

$10. You can own US stocks, ETFs, gold and crypto from a $10 dollar balance.

When can I start?

Dawlat launches in Pakistan first, followed by Bangladesh and Sri Lanka. Join the waitlist to hear the moment it opens.

What can I own?

US stocks and ETFs, gold and crypto at launch. Vaults in private credit, gold trade finance, T-Bills and stablecoins are coming soon.

How do I get money in and out?

Receive dollars over ACH or from another wallet, and cash out to any bank in Pakistan over Raast.

Do I need a foreign bank account?

No. You get a dollar balance inside Dawlat and cash out to your local bank whenever you want.

Your savings deserve the world.

Join the waitlist and start owning the world's best assets with $10.