Pakistan's Web3 Financial Infrastructure —
Powered by NRF
A NeroChain Pty Ltd (Australia) company. NeroFi is partnering with Pakistan's banks and financial institutions to revolutionise cross-border and local payments — reducing MDR, transaction cost, and settlement time on Nerochain Layer 1.
Pakistan's first regulated Web3 financial rail.
NeroFi Pakistan is a NeroChain Pty Ltd (Australia) company. We carry an Australian AUSTRAC perimeter into Pakistan and pair it with SECP registration locally — the only regulatory stack of its kind in PK's crypto space today.
NeroChain Pty Ltd — the Australian parent.
NeroFi Pakistan inherits the regulatory weight of an AUSTRAC-licensed Australian parent. That stack — licence, bullion authority, VASP — is what lets us pitch banks, the SBP, and PVARA from a position no Pakistan-only crypto venture can match.
Digital Currency Exchange Registration No. DCE100888792-001 — active under Australia's anti-money-laundering perimeter.
NeroChain Pty Ltd corporate registration — full Australian legal entity, the parent of NeroFi Pakistan.
Virtual Asset Service Provider authority — used today for global $NERO distribution (live on Bitget).
Bullion dealer licence enabling nGOLD issuance and the broader RWA tokenisation programme.
First regulated rail in Pakistan's crypto space.
NeroFi Pvt Ltd is SECP-registered, a PVARA licence aspirant, and an SBP EMI aspirant. The Australian parent gives the structure FDI inflow status and a live AUSTRAC perimeter — a combination unmatched in the local market today.
- SECP RegisteredSecured
- PVARA LicenceAspirant
- SBP EMIAspirant
- Australian Parent — FDI InflowStructural
- Pakistani Subsidiary IncorporatedSecured
Partnering with banks to revolutionise payments.
NeroFi is building the regulated on-chain and off-chain rails to bring informal flows back into the formal banking system — reducing MDR, transaction cost, and settlement time across cross-border and local payments.
Freelancer USD Inflows
Compliant USD-to-PKR settlement for Pakistan's $3B+ freelance economy — booked through the partner bank, not informal channels.
Merchant Settlement
Stablecoin-enabled merchant checkout with instant PKR settlement straight into the partner bank's merchant accounts.
B2B Remittance
Cross-border corridor rails for importers, exporters, and SMEs — reclaiming volume from hawala / hundi into the formal banking system.
Lower MDR
Stablecoin-rail merchant settlement bypasses card-network interchange — meaningfully lower Merchant Discount Rate than card acquiring.
Lower transaction cost
On-chain settlement replaces correspondent-bank hops and FX spreads — cross-border cost compressed to a fraction of legacy SWIFT.
Faster settlement
Stablecoin rails settle in seconds. PKR T+0 to the merchant or beneficiary, versus the T+1 / T+2 / multi-day norm.
The lead banking partner slot is open.
Active conversations with leading Pakistani commercial banks are in advanced stages. One bank will be appointed as NeroFi's lead PK banking partner — capturing the freelancer, merchant, and B2B remittance corridors at once.
The DeFi problem, solved.
A side-by-side look at the structural gaps in today's exchanges — and the NeroFi answer to each.
Centralized Exchange Risk
Custody risk, opaque fees, censorship vulnerability.
DEX Inefficiency
High slippage, fragmented liquidity, slow execution, prohibitive gas.
Token Without Utility
Most DEX tokens are purely speculative — no real value for holders.
Pakistan Excluded from Global Finance
Freelancers, merchants, and businesses lack access to transparent Web3 rails.
Hybrid CEX+DEX Architecture
Speed and UX of a CEX with transparency, self-custody, and the permissionless nature of DeFi.
Protocol-Owned Deep Liquidity
Multi-layered liquidity injection, buyback & burn, vesting buffers — minimal slippage always.
Multi-Dimensional NRF Utility
Up to 50% fee discount, 8–12% staking APR (Y1), gas-fee abstraction, 20% revenue-driven buyback & burn — real utility, board-gated, not a DAO.
Pakistan's Full Web3 Stack
CEX · DEX · RWA · Stablecoin · Remittance · Lending — one platform, one ecosystem.
One ecosystem. Every financial rail.
Six products, one settlement layer — built on Nerochain L1.
Centralized Exchange (CEX)
Institutional-grade order book, fiat on/off-ramp, deep liquidity pairs.
Decentralized Exchange (DEX)
Permissionless, self-custodial trading powered by NRF token.
RWA Tokenization
Gold (nGOLD), AI compute, datacenter capacity, health data — on-chain.
Stablecoin Rails
AUDD + PKR-pegged stablecoin infrastructure for Pakistan.
Remittance & Payments
Freelancer, merchant, B2B, and P2P cross-border rails.
Commodity Lending (NERO X)
Collateralized lending backed by tokenized real-world assets.
NRF Token — engineered for scarcity & value.
A hard-capped 1 billion supply with a structured vesting design that aligns long-term holders, builders, and the protocol treasury.
| Token Name | NeroFi Reward & Fuel Token (NRF) |
| Issuer | NeroFi (Pvt) Ltd (PK) × NeroChain Pty Ltd (AU) |
| Standard | NRC-20 on NeroChain L1 · ERC-20 bridge |
| Total Supply | 1,000,000,000 NRF (Hard Cap — No Minting Ever) |
| Governing Law | Pakistan + AUSTRAC framework (Australia) |
| Classification | Utility Token (PVARA Virtual Assets Act 2026) |
| Governance | Board-controlled · NOT a DAO / not voting rights |
Buyback & Burn — 20%
20% of all platform revenues (MDR, CEX, remittance, B2B API) are directed to NRF buyback and permanent burn — quarterly, fully on-chain.
Hard Cap · 1B
Total supply is fixed in the NeroChain genesis block. No additional minting is possible — only burns reduce circulating supply.
Board-Gated Unlock
Smart contracts hold tokens in time-locked escrow. Every monthly unlock requires a signed Board resolution — pausable up to 3 months under stress conditions.
Transparent vesting — every token accounted for.
Cliffs, linear release, and milestone-gated unlocks. 91.5% of supply is locked at TGE.
| Category | TGE Unlock | Cliff | Duration | Release Type |
|---|---|---|---|---|
| Seed Investors | 0% | 12 months | 20 months | 5%/month · Board-gated |
| Private / Strategic | 0% | 12 months | 20 months | 5%/month · SAFT-governed |
| Public Sale (IDO/IEO) | 20% | None | 8 months | 10%/month after 20% TGE |
| Team & Advisors | 0% | 18 months | 25 months | 4%/month · 10% sell cap 18mo |
| Treasury & Operations | 5% | None | 36 months | Board-controlled release |
| Liquidity & Market Making | 30% | None | 18 months | 30% TGE + 10%/quarter |
| Growth, Referrals & Community | 0% | 3 months | 33 months | Per-campaign milestones |
| Reserve / Safety Buffer | 0% | None | Immediate | Locked indefinitely · Board only |
Cumulative circulating supply (M NRF)
Month 0 → Month 60
Vesting Release Liquidity Buffer
7 days before every vesting unlock, the protocol automatically pre-positions additional liquidity across NRF/USDT, NRF/ETH, and NRF/BNB pairs. A dedicated 15,000,000 NRF reserve plus stablecoin counterparts absorb sell pressure from every vesting event, protecting price stability.
Four tranches. A US$10.5M raise.
Concurrent equity + token participation in the seed round (the 1+1 model). Every subsequent tranche unlocks after a regulatory or product milestone.
| Tranche | Tokens | % Supply | Price | Raise | FDV | Timing |
|---|---|---|---|---|---|---|
Seed Round Concurrent with equity seed · 1+1 dual structure | 100M | 10% | $0.010 | $1.00M | $10M | Month 1–3 |
Private / Strategic Post in-principle EMI · institutional SAFT | 100M | 10% | $0.020 | $2.00M | $20M | Month 4–9 |
Pre-Public Presale Post PVARA licence | 50M | 5% | $0.040 | $2.00M | $40M | Month 10–15 |
Public IDO/IEO PVARA-registered launchpad | 100M | 10% | $0.055 | $5.50M | $55M | Month 16–18 |
| Total token raise | 350M | 35% | — | $10.50M | — | + US$2M equity |
Equity and tokens, in one tranche.
Seed investors receive both a SECP-regulated equity stake and a SAFT-governed NRF token allocation — two instruments aligned in one investment.
Ordinary shares in NeroFi (Pvt) Ltd at Base Case US$40M pre-money. SECP-regulated, governed by the Companies Act 2017 (Pakistan).
At seed price US$0.01. Governed by SAFT under Pakistan's Virtual Assets Act 2026. 12-month cliff + 5%/month vest (Board-gated).
Anchor · Lead · Standard · Community
Maximum 50 shareholders (Companies Act 2017, Pakistan). Maximum 2 investor Board seats. Founders retain permanent majority voting control.
The path forward.
Five phases — each release paired to a licence, listing, or product milestone.
- Month 1–3 · LIVE
Phase 1 — Foundation
- SAFT agreements executed (seed round)
- NRF genesis block minted on NeroChain L1
- Seed equity close — 1+1 dual structure
- SBP EMI + PVARA DCE applications filed
- Website + whitepaper launch · waitlist live
- @the_blockonomist NeroFi series begins
- Month 4–9
Phase 2 — Build
- Private / Strategic SAFT round opens
- NRF smart contract audited (CertiK / Quantstamp)
- Staking contract deployed on testnet
- MVP wallet app · SBP regulatory sandbox live
- AUS → PAK corridor pilot
- CCO / MLRO hired · beta user programme
- Month 10–18
Phase 3 — Licence & TGE
- Token Generation Event (TGE)
- Public IDO / IEO on PVARA-compliant launchpad
- 12-month investor cliff begins
- Staking + referral programme live
- Full SBP EMI + PVARA DCE licences granted
- Public wallet launch · CEX live
- Month 19–36
Phase 4 — Scale
- First investor token unlocks (Month 24+)
- Buyback & burn programme active
- Tier-2 / Tier-3 CEX listings
- 1M+ registered users · EBITDA breakeven
- UK / UAE corridor expansion
- Series A preparation
- Year 3–5
Phase 5 — Expansion
- NRF Tier-1 CEX listing
- Staking APR stabilises at 5–8%
- 7M users · global Pakistani diaspora corridors
- Governance advisory layer (non-DAO)
- Potential acquisition or Series B
Deep liquidity. Always.
Four overlapping mechanics work together to keep NRF tradable, scarce, and slippage-resistant — through every market cycle.
Protocol-Owned Liquidity (POL)
45,000,000 NRF (30% of the Liquidity bucket) seeded at TGE across NRF/USDT, NRF/ETH, NRF/BNB pools. LP tokens are time-locked (12-month minimum) and managed via 3-of-5 multi-sig — withdrawal requires a Board resolution.
Scheduled Injections
The remaining 105M NRF (70% of the Liquidity bucket) is released in tranches over 18 months — 10% per quarter by Board resolution, timed to CEX listings and corridor expansion milestones.
Buyback & Burn — 20%
20% of every platform revenue line (MDR, CEX fees, remittance fees, B2B API) is directed to NRF buyback and permanent burn. Quarterly, on-chain, verifiable.
TWAP Circuit Breaker
A TWAP oracle gate prevents any single liquidity injection exceeding 2% of 24-hour DEX volume. If spot drops >20% below 7-day TWAP, non-liquidity unlocks pause for 72 hours.
Liquidity injection phases
Million NRF deployed per phase (90M total across phases 1–4 + 60M POL at TGE)
Hold NRF. Trade smarter. Earn more.
Three hold-based fee tiers, three optional stake locks — discounts compound. Every benefit applies automatically at settlement, with no manual claim.
Discount applies to stablecoin ↔ PKR conversion, CEX spot trades (maker/taker), remittance corridor fees, wallet withdrawals, and B2B API per-transaction charges.
Lock NRF for deeper discount + higher APR.
No slashing on NRF (not a proof-of-stake validation token). Early unstake from a fixed lock forfeits 10% APR — never principal.
Fee Reduction & Rewards
Hold NRF to receive up to 50% discount on every platform transaction — automatically applied at settlement, no manual claim.
Staking Yield
Target 8–12% APR in Year 1 (bootstrap phase), stabilising at 5–8% from Year 2. Pool funded by 40% of platform fees Y1, tapering to 25% by Y3.
Ecosystem Fuel
Gas-fee abstraction via NeroChain's paymaster module. End users transact in stablecoins near-free; the protocol earns in NRF.
Deflationary Buyback & Burn
20% of all platform revenues are used to buy NRF on the open market and burn it permanently — every quarter, fully on-chain.
Settlement & Rails Utility
NRF is the native unit across CEX trades, AUS → PAK remittance, merchant settlement, B2B API charges, and the broader NeroFi ecosystem.
Board-Gated, Not DAO
NRF is a utility token under the PVARA Virtual Assets Act 2026 — board-controlled, designed for regulatory compliance. No voting rights conferred.
Every basis point, accounted for.
Platform revenues are split transparently across operations, the buyback/burn pool, the staking yield pool (which tapers from 40% in Year 1 to 25% by Year 3 as organic volume matures), liquidity incentives, and an insurance buffer.
- Platform OperationsInfrastructure, dev, team40%
- Buyback & BurnPermanent supply reduction20%
- Staking Pool (Y1)User yield · tapers to 25% by Y325%
- Liquidity IncentivesLP rewards · MM10%
- Insurance / SafetyExploit + corridor buffer5%
Get early access. Earn together.
Two phases — secure your allocation now, then share with friends to earn together.
Whitelist is LIVE
Secure your guaranteed allocation before the public sale. Whitelisted participants get:
- ✓Guaranteed NRF allocation at presale price
- ✓Priority access before public sale opens
- ✓Early staking rights — earn rewards from Day 1
- ✓Exclusive whitelist-only bonus NRF allocation
Public Sale
Open to all after whitelist closes.
Both you and your friend win.
Referrer rewards (you)
- L1 = 500 NRF on every KYC'd referee + first transaction — credited immediately
- L2 = +1,500 NRF when the referee transacts > US$100 within 30 days
- L3 = 5,000 NRF when the referee becomes a 6-month monthly active user
- Up to 3,000 NRF extra per verified freelancer referral
Referee rewards (your friend)
- 250 NRF on completing KYC + your first NeroFi transaction
- +500 NRF when you cross US$100 in transaction volume within 30 days
- 1,500 NRF + 1-month fee waiver if you're a verified freelancer
- 1,000 NRF for first AUS → PAK remittance via NeroFi
| Tier | Trigger | Referrer | Referee | Notes |
|---|---|---|---|---|
| L1 — Basic Referral | Referee completes KYC + first transaction | 500 NRF | 250 NRF | Both unlock immediately on completion |
| L2 — Active Referral | Referee transacts > USD 100 within 30 days | +1,500 NRF | +500 NRF | Cumulative with L1 · paid at Month +30 |
| L3 — Power Referral | Referee = monthly active user for 6 consecutive months | 5,000 NRF | 1,000 NRF | Long-term retention reward · paid Month +6 |
| Freelancer Onboarding | Referee is a verified freelancer (proof of work) | 3,000 NRF | 1,500 NRF + 1-mo fee waiver | Priority segment · platform subsidy |
| Remittance Referral | Referee sends first AUS → PAK remittance | 2,000 NRF | 1,000 NRF | Also rewards NeroChain Australia app referrals |
Built by builders. Backed by operators.
Operators across Tokyo, Sydney, and Karachi — shipping an L1 mainnet, a token TGE, and a regulated AUSTRAC perimeter.
The complete NRF token economic architecture.
Tokenomics, vesting, board-gated unlock framework, the 1+1 investor model, and the full five-phase roadmap.