Now Live in Karachi

Rent. On Time.
Every Time. Guaranteed.

Pakistan's first dedicated rental wallet. Tenants never miss a payment. Landlords never chase one. Overseas landlords manage everything — from anywhere on earth.

₨ 2.4T
Annual rental market in Pakistan
0%
Digitised today — that's our runway
9M+
Urban tenant households
KirayaX
Pakistan's Rental Wallet
Securing your session...

Pakistan's rental market runs on WhatsApp promises and crossed fingers.

Billions of rupees in rent move every month through cash hand-offs, phone calls, and delays. Everyone loses — except the problem.

😰

Tenants fear eviction

Tight on cash at month-end, no flexible payment option, no record — one missed day and the landlord threatens to lock up.

📵

Landlords chase payments

Hours lost every month on follow-up calls. No income visibility. No proof of payment. Zero financial infrastructure.

🌍

Overseas landlords are blind

Pakistanis in the UK and UAE own property back home but can't see balances, chase rent, or trust anyone to manage remotely.

📊

Zero rental credit history

Millions of timely rent payers build zero credit history. No formal record = no financial identity = invisible to banks.

Simple for tenants.
Powerful for landlords.

Four steps to a rent system that runs itself.

STEP 01
🏠

Landlord onboards

Lists property in under 3 minutes. Sets rent amount, due date, payment terms. Done.

STEP 02
🤝

Tenant joins via link

Landlord shares a unique rental link. Tenant signs up, links their property in one tap.

STEP 03
💳

Rent auto-schedules

Tenant schedules payment from KirayaX wallet — JazzCash, bank, or card. No-chase, no-call.

STEP 04
📈

Both sides win

Landlord gets instant confirmation. Tenant builds Tenant Score. History recorded forever.

Three users. One wallet.

🏢
Tenant

Never fear the 1st again

Tight schedule? Salary delayed? KirayaX gives you flexible payment scheduling, instant receipts, and a track record that proves you're reliable.

  • Schedule rent on your payday — not the landlord's deadline
  • Instant digital receipt — no more WhatsApp screenshots
  • Build a Tenant Score that works like a credit score
  • Never face eviction threats over payment timing again
🏛️
Local Landlord

Your income. Automated.

Stop being a rent collector. Start being a property owner. KirayaX handles reminders, confirmations, and records — so you don't have to.

  • Real-time payment dashboard across all properties
  • Automated late-payment alerts — no follow-up calls
  • Clean rental income history for tax and legal use
  • Screen tenants with verified Tenant Score data
✈️
Overseas Landlord

Manage Pakistan from anywhere

Whether you're in Dubai, London, or Toronto — your rental income is visible, trackable, and secure. Full control. Zero geography.

  • Full portfolio view from any device, any timezone
  • Verified payment confirmation — no middleman trust issues
  • Appoint a property manager with limited access
  • Remittance-ready income reporting for overseas compliance

Not a wallet. A rental operating system.

🔔

Smart Payment Reminders

Automated alerts before due date — WhatsApp, SMS, and in-app. Tenants pay before you even think about it.

Tenant + Landlord
📋

Digital Rental Agreements

Create, sign, and store tenancy contracts inside KirayaX. Legally valid. Always accessible. Zero paperwork.

Landlord

Tenant Score™

Pakistan's first rental credit score. Built from payment history. Landlords trust it. Tenants own it. A moat nobody else has.

Coming Soon
📊

Income Analytics

Visual dashboard of rental income trends, occupancy rates, and late payment patterns across your full portfolio.

Landlord
💸

Flexible Pay Later

BNPL option for tenants — pay rent in installments within the month. Landlord gets full amount on day 1. Everyone wins.

Tenant
🌐

Overseas Dashboard

Multi-currency view, property manager delegation, and real-time rent confirmations. Built specifically for the diaspora.

Overseas
₨ 0
Cost to join for tenants
3 min
To onboard a property
100%
Digital payment trail
SBP
Regulatory sandbox track

Real people. Real relief.

★★★★★
"My salary hits on the 5th. Rent was due the 1st. KirayaX let me schedule it so my landlord stopped threatening me. I haven't been stressed about rent in 3 months."
👩
Sana R.
Tenant, DHA Phase 2, Karachi
★★★★★
"I own 4 flats. Before KirayaX I spent 2 days every month calling tenants. Now I open the app and I know exactly who's paid and who hasn't. It's a different life."
👨
Ahmed K.
Landlord, Gulshan-e-Iqbal, Karachi
★★★★★
"I'm in Dubai. My brother used to collect rent for me but I never trusted the numbers. KirayaX shows me every payment in real time. I finally feel in control of my property."
🧔
Bilal M.
Overseas Landlord, Dubai → Lahore

Be the first 1,000 on Pakistan's Rental Wallet.

Join the waitlist. Get priority onboarding, zero fees for 6 months, and founding member status on your Tenant Score profile.

No spam. No charges. Just early access.