About UY4X

Australian built.

UY4X is an Australian-built technology business and the parent brand of 4X, AI Strategy for SMEs and the proposed Bank4X, with one UY4X account across them.

01 / 4X

Pakistan first. A broader ambition.

4X is our planned money-transfer (remittance) service from Australia. Pakistan is the first intended corridor, using Australian dollars (AUD) and Pakistani rupees (PKR). Additional destinations are planned or under assessment.

Real transfers and customer accounts are not available. We are shaping the service around understanding the amount sent, the cost and the amount received.

Explore planned destinations

02 / Purpose

The mission is the boss.

Our mission is to make financial life easier and to develop financial products that aim to be 100% Sharia-compliant. We want to demonstrate that useful, sustainable financial services can be built without relying on interest.

Ease, clarity, accountability, inclusion and discipline guide that ambition. This is a direction for development, not a claim of current Sharia certification.

Read our mission and vision

Distinct services. Clear stages.

AI Strategy for SMEs, 4X and our proposed banking venture have different purposes and levels of readiness.

Business enquiries available

AI Strategy for SMEs

AI strategy, websites, apps and digital systems for small and medium businesses. Separate from 4X and the proposed banking venture.

Explore AI Strategy for SMEs

Preparing for launch

4X

Our planned money-transfer service. Pakistan is the first intended corridor from Australia. Additional destinations are planned or under assessment; real transfers and customer accounts are not available.

Explore destinations

Our banking vision

Bank4X

Our digital banking vision for Pakistan. Bank4X is not yet a licensed or operational bank; banking services are not available.

Explore the vision

03 / Preparation

Build each foundation properly.

Preparing financial services takes more than a website. Product design, operational readiness and the required approvals shape the development process. No financial-service launch date is confirmed.

Our future retail-agent programme is intended to follow the initial 4X consumer launch and consumer-app rollout. It currently accepts expressions of interest only.

Explore the future Retail Agents programme