A billion for the freelancers.

Freelancers earning from Upwork, Fiverr, and Toptal had no clean way to receive payments, manage business finances, or separate personal and business spending. They were running businesses on consumer banking apps — the only option Pakistani banks offered them.

SadaPay saw the opportunity. Not to adapt the consumer product, but to build something purpose-built: international payment receipt, currency conversion, business expense management — a service journey designed end-to-end for how freelancers actually work.

I led with service design blueprints — every touchpoint, every system interaction, every human handoff in the SadaBiz journey. Front-stage, back-stage, and support processes. The CEO called these blueprints my "superpower." They revealed critical friction points and fraud vectors that weren't visible from a screen-level view. By mapping the complete service, we could identify drop-offs, manual-intervention needs, and exploitable gaps.

From there, I worked directly with engineering on the Apple Pay and Google Pay integrations — meeting both platform guidelines and SadaPay's brand standards. Card provisioning needed to feel seamless: one tap to add your SadaPay card to your phone's wallet. SadaPay became one of the first Pakistani fintechs to offer tap-to-pay through mobile wallets.

SadaBiz processed over $1 billion in annualized volume, making it one of SadaPay's most important revenue drivers. The service design blueprints directly contributed to fraud reduction by exposing and closing system-level vulnerabilities that screen-level design would never catch.

For Pakistani freelancers, SadaBiz became the banking product they'd been waiting for — purpose-built for how they actually work, with the payment rails and mobile wallet support to match.