01
No phone
Dead battery, lost phone or no device to open the banking app.
Emergency Financial Access Infrastructure
When money is available.
But access isn't.
ResQPay is building the emergency access layer that helps people pay for urgent needs when normal banking, cards, cash, phones or internet access fail.
Designed for healthcare · pharmacy · rescue · transport · fuel · roadside · essential services
09:41ResQPay▰
EMERGENCY ACCESS
₨25,000
available emergency limit
Protected & ready
Need emergency payment?•••
₨8,000
HomeAccessProfile
✓
Provider verifiedEmergency network
<60starget payment journey
⌁
Regulated railsPartner-led settlement
₨1.26BFY2031 projected revenue
₨9BFY2031 emergency GMV
1.5MFY2031 projected users
FY30modeled EBITDA break-even
01 / THE PROBLEM
The hardest moment is when every normal payment channel breaks.
People may have money in a bank or wallet, but an emergency creates a different problem: access, authentication, connectivity and trust.
02
No internet
Mobile banking and app-based payment journeys become unavailable.
03
No cash or card
ATM, cash and conventional card acceptance are unavailable at the point of need.
04
Third-party emergency
A hospital, pharmacy, ambulance, mechanic or trusted provider needs payment now.
02 / THE JOURNEY
A payment journey designed for the moment normal access fails.
01
Emergency
Customer needs urgent help.
02
Request
Approved provider creates a request.
03
Verify
Identity, limits and provider are checked.
04
Authorize
Risk engine decides if it can proceed.
05
Pay
Regulated partner executes payment.
06
Reconcile
Transaction is logged and settled.
Design principleReceiver requests → ResQPay decides → regulated partner executes.
03 / PLATFORM
One emergency layer.
Many ways to reach it.
ResQPay does not need to recreate Pakistan's payment rails. It orchestrates the access, authorization and emergency-provider experience above regulated infrastructure.
CUSTOMER ACCESS
AppUSSDSMSEmergency HotlineBiometric Terminal
↓
RESQPAY EMERGENCY LAYER
Emergency Profilelimits · categories · funding source
Risk & Fraud Enginevelocity · context · provider risk
Provider Networkverified emergency endpoints
Payment Orchestrationrouting · retries · reconciliation
↓
REGULATED INFRASTRUCTURE
BanksEMIsRaast1LINKPSO / PSPVRG / USSDNADRA-authorized verification
04 / EMERGENCY ACCESS PROFILE
Turn “emergency access” into a controlled authorization product.
Before an emergency happens, the customer defines what ResQPay may help authorize and under which conditions.
₨25,000example emergency event limit
₨10,000example per-transaction cap
5core emergency categories
1designated funding relationship
Emergency AccessACTIVE
₨25,000
remaining emergency limit
HealthcarePharmacyTransportFuelRoadside
RESQCAREBenevolent Emergency Fund
Member contributions
Verified emergency
Direct provider settlement
Governance & audit
05 / BENEvolent EMERGENCY FUND
A community-funded safety net for genuine emergencies.
ResQPay can enable members to contribute small amounts into a separately governed emergency assistance pool. When an eligible emergency is verified, assistance can be routed directly to an approved provider.
01
ContributeMembers opt into periodic contributions.
02
VerifyEmergency eligibility and provider are checked.
03
AssistApproved support is settled to the provider.
04
AccountSeparate governance, controls and reporting.
Important: the assistance fund is not presented as insurance. Any insurance/takaful protection is a separate licensed-partner layer.
06 / CARDLESS BIOMETRIC ACCEPTANCE
Replace the swipe dependency with a purpose-built emergency terminal.
Proposed ResQPay Emergency Biometric Terminal (EBT) gives approved emergency providers a cardless acceptance option for customers who cannot use their phone or card.
ResQPay EMERGENCY TERMINAL
◉
EMERGENCYBIOMETRICSECURE
01Customer identifies themselves
02Authorized biometric service verifies identity
03ResQPay checks emergency profile & risk
04Regulated funding partner authorizes payment
05Provider receives settlement confirmation
Why it matters
A biometric terminal can become the physical acceptance layer for hospitals, pharmacies, rescue points, roadside providers and other high-urgency locations — without requiring a conventional card swipe.
Regulatory principleBiometric identity verification is not, by itself, payment authorization. The regulated bank/EMI/payment institution remains responsible for authorization and settlement.
07 / EMERGENCY PROVIDER NETWORK
Build the network people need when time matters.
Hospitals & clinics
Emergency treatment, diagnostics and deposits.
Pharmacies
Urgent medication and prescription fulfilment.
Ambulance & rescue
Emergency transport and response.
Fuel & roadside
Fuel, towing, repair and roadside support.
Transport
Emergency rides and intercity transport.
Hotels & shelters
Emergency accommodation and safe stays.
The network effect: more providers → more access → more transactions → better emergency intelligence → stronger institutional value.
08 / POSITIONING
Not another wallet. Not another offline bank.
ResQPay sits one layer above payment rails and focuses on emergency authorization, trusted providers and cross-provider orchestration.
CapabilityResQPayOffline bankingWalletsPayment rails
Emergency-first architecture●———
Pre-authorized emergency limits●—○—
Trusted emergency provider graph●—●○
Cross-provider orchestration●○○●
Benevolent emergency assistance●—○—
Cardless biometric acceptance●—○—
Strategic positioning only. Competitor capabilities can vary by product, partner and regulatory configuration.
09 / BUSINESS MODEL
Recurring value on top of high-value emergency transactions.
The base case deliberately avoids depending on transaction fees alone. Membership and institutional/API revenue become the margin engine as the network scales.
Membership₨899.1MFY2031 modeled revenue71% mix
Institutional / API₨210MFY2031 modeled revenue17% mix
Emergency transactions₨90MFY2031 modeled revenue₨9B GMV
Insurance / takaful₨45MFY2031 modeled revenuePartner-led
Potential institutional buyersBanksEMIsEmployersUniversitiesHospitalsInsurers / TakafulGovernment
10 / ROADMAP
Build the infrastructure in controlled stages.
STAGE 01
Partner-led fintech
Emergency authorization, payment orchestration, provider network and no customer-fund custody.
MVP → PilotSTAGE 02
Emergency assistance
Benevolent fund with compliant governance, enterprise APIs and insurance/takaful partner distribution.
Scale → InstitutionalSTAGE 03
Physical acceptance
Deploy biometric emergency terminals across high-urgency provider categories.
Network → NationalSTAGE 04
Regulated expansion
Evaluate EMI/PSP participation and other regulated structures only when scale and economics justify them.
Optional → Strategic11 / INVESTOR CASE
Designed to become a category-defining emergency layer.
0k users in FY27 base case
0projected users by FY31
0institutional clients by FY31
0PKR million FY31 EBITDA
Initial capital target₨100–150M
Milestone-based seed / pre-Series A to prove regulatory, product and commercial assumptions.
Use of funds
Talk to ResQPay ↗25% Product & engineering
20% Regulatory, security & compliance
20% Bank / EMI / rail integrations
20% Provider network & GTM
12 / TRUST BY DESIGN
Regulation is part of the product architecture.
ResQPay is designed as a partner-led fintech: customer funds remain with regulated institutions; identity verification uses authorized services; insurance/takaful remains with licensed providers.
SBPPayment & EMI framework
RaastInstant payment ecosystem
1LINKPayment switching infrastructure
VRGPotential USSD / channel partner
NADRAAuthorized identity verification
SECPInsurance / takaful perimeter
BUILD WITH US
Let's make emergency payments actually work when they matter most.
We are looking for strategic investors, banks/EMIs, emergency providers, technology partners and insurance/takaful partners.
ResQPay by Shahruh Technologies · Pakistan