Through this collaboration, Vopy will create unique virtual European IBAN accounts for freelancers in Pakistan. This first-of-its-kind solution allows them to receive client payments locally in Europe. Funds sent to these IBANs are seamlessly transferred to the freelancer’s Zindigi account in Pakistan, typically within minutes and at around half the cost of traditional international transfers.

Zindigi (zindigi.pk), powered by JS Bank, is one of Pakistan’s largest digital finance platforms with over 6 million users. Through its app, Zindigi offers a wide range of services, including payment cards, transfers, investments, loans, insurance, and other financial solutions.

By integrating Vopy’s technology, Zindigi will now be able to offer its freelance account holders a complete end-to-end payment solution that significantly reduces costs and simplifies cross-border payment flows for millions of self-employed professionals in Pakistan.

Key benefits of Vopy’s solution for Zindigi’s freelance customers:

• Faster payments – funds reach the recipient within just a few minutes.
• Lower costs – transfer fees are less than half compared to current alternatives.
• Simplified administration – European clients can pay to a local IBAN without complex international transfers.
• A more attractive offering – freelancers can offer European clients a familiar and frictionless payment experience.

The service is scheduled to launch in December 2025, with Zindigi holding exclusive rights for the first six months and an option to extend.

“We are proud to deliver our freelance payment service to Zindigi. We appreciate the agile culture that defines Zindigi and look forward to the rapid growth of our service. Over the past six months, we have worked closely with Zindigis’ team to create the best possible conditions for a strong customer offering – where our unique virtual IBAN solution gives freelance consultants entirely new opportunities to get paid,” says Sven Hattenhauer, CEO of Vopy.