Mal

Borderless finance.
Powered by AI.

Your digital companion for everyday choices. Built for how you live, earn, and grow. Moves money at your pace, all in one tap.

Join waitlist

Ready in seconds.

Open your Mal account with your national ID or passport and your phone. You’ll be ready in just seconds.

National ID or passport

Either one works.

Your phone

For the code we send you.

Open in seconds

ID, phone, done. Business accounts in 4 minutes.

Join now
A ₿12,500 refund from Syed Ali
Transfers this month, shown as a bar chart
A list of 24 recent transactions
Global account

No SWIFT.
No waiting.

Most “fast” transfer apps still rely on SWIFT and correspondent banks.

Mal holds accounts on both ends, so no third party slows your money down.

That’s the difference between a fast app and a fast financial institution.

Move money globally, faster, simpler, and on your terms.

Quick sendSee all
  • PakistanPayout
  • Syed
  • Fareha
  • Farhan

Instant settlement

Money arrives in as little as 3 minutes.

Send in 40+ currenciesPounds, euros, rupees, and many more.United KingdomUnited StatesIndiaFrance
United StatesUSD · $11,800

Move your money

Move money between your own currency accounts instantly with live rates.

Convert on your terms

Hold your balance in US dollars for as long as you choose.

PKR 277.84May 12
Apr 22Apr 29May 6May 14May 22
USD 1 = PKR 277.84, a guaranteed rateConvert 1,000.00 USD to 278,500.00 PKR

Built on Islamic values

See what you pay before you send.

Open-market rates

Competitive rates, so more of your money arrives.

Business

4-minute onboarding. 5-second pre-indicative credit answer.

Join the waitlist for Mal Business
business.mal.ai

Mal starts with your business.

Get a pre-indicative credit answer in five seconds, subject to eligibility, then manage payments, payroll, and cash flow from one dashboard.

Onboard your business in as little as 4 minutes

All-in-one dashboard for your business

Get an indicative business credit line in 5 seconds

AI Suite

Get your spot on the waitlist

Join the waitlist, verify your account and then manage payments, payroll, and cash flow from one dashboard.

Join waitlist

~3 minutes completion time

AI chat

Here’s to never visiting your nearest branch again!Never visit a branch again.

Send money without leaving the chat

Say it the way you would say it to a person. Mal reads the intent, confirms the detail that matters, and settles it — no forms, no screens, no waiting for business hours.

AI automation that knows you and your financials

Mal Calculator

Plan today. Feel ready for tomorrow.

Subscription • This month

See details

  • Talabat

    · Streaming

    69/mo

  • Prime

    · Streaming

    45/mo

  • Spotify

    · Music

    20/mo

You withdrew

Syed Ali

Habib Bank · ••1021

-$100.00

PKR 2,78,500.001

USD → PKR conversion

Built in secure chat

We build for access, not advantage. Our goal is to make intelligent tools that open doors, helping people move, grow

Money out • This month

See details

  • USD Transfers

    Send to US bank accounts. can take 1–3 business days and fees may apply

  • PKR Payouts

    Linked PKR account • Minutes • Free

  • Mal Recipients

    Mal users • Instant • Free

EK330Mal's pick
22:10DXB22:10MCT
22:10DXB22:10MCT
Total2,535.00

Spent231,700

Our values and culture

The way we build defines who we are: ethical and built around people. Progress means nothing if it leaves people behind.

Empower the many

Built for access, not advantage, helping everyone move, grow, and thrive.

Ask Mal anything…

Fair by design

Trust guides every decision, built with honesty, empathy, and respect.

Coming soon

Financing for
what’s next

Big purchases, lifestyle changes, tuition, medical costs and more. Building already in motion. Watch this space

Join now