Personal micro-investing
Hajj Saver
A Shariah-compliant goal-savings journey for overseas workers, built into the remittances they already send.
In design · Subject to regulatory approvals
FINCLUDE LABS
Purpose-defined
wealth journeys
Building lower-cost rails for purpose-based remittances and investments, so every monthly transfer can carry a goal with it.
Why small investments don't cross borders
Millions of overseas Pakistanis send money home every month. Very little of it becomes long-term wealth. Cross-border transfer costs make small, regular investing uneconomic: a $100 monthly saving loses too much to fees before it earns anything.
Finclude Labs is working to bring down the cost of purpose-based remittances and investments, so a monthly transfer can fund a pilgrimage, a retirement, or a stake in a greener Pakistan.
- Monthly remittance
- Purpose-based investment
- Goal achieved
Community micro-investing
Diaspora Green Sukuk
Mobilising diaspora capital into solar microgrids that power rural enterprises and households.
In design · Subject to regulatory approvals
Cross-border SIPs
Retirement Savings
Systematic monthly investment plans from abroad, at a cost that makes small tickets work.
Research
The infrastructure underneath
Each of these journeys depends on the same foundation: interoperable, low-cost cross-border rails, consent-based data through Sarwat.io, and embedded protection through Hemaayah. Labs is where we test how these pieces come together.
- Low-cost transfer rails
- Consent-based data
- Embedded protection
Wealth with purpose.
We work with banks, asset managers, insurers and development partners to bring these journeys to market.
Finclude Labs initiatives are concepts and products in development. They are not offers to invest or to purchase insurance, and are subject to regulatory approvals and partner agreements. Investment and insurance services, where offered, are provided through appropriately licensed entities.