pebble
Skip to content

A new chapter in your financial life starts here

Pebble is building a community-driven investing platform for Pakistanis who know they should do something better with their money

{{ joinedTitle }}
We'll send the inside scoop as Pebble takes shape.
Get the inside scoop on what we're building. No spam, we promise.
Building wealth,
made simple
The easiest way to
start investing

Your money isn't sitting still. It's shrinking.

And that's because of inflation. See what inflation does to your savings.

If I had
Rs
back in

What I see in the bank
{{ cashFmt }}
What it really buys today
{{ realFmt }}
If I had bought gold
{{ goldFmt }}
Buying power lost to inflation
{{ lossFmt }} ({{ pctStr }})
{{ relatable }}
over the last {{ nYears }}

Inflation assumes ~10% average annual rate (State Bank of Pakistan). Gold uses 24K year-average rates (Karachi Sarafa Association); today's rate ~Rs 431,600/tola (June 2026). For education, not investment advice.

That's why we're building Pebble

Pebble is our answer to every financial struggle we face on a daily basis

Built for us, by us.

Trust me, I couldn't find a better picture

My journey into personal finance and investing started with a simple question I asked back in October 2018: “Why are some people financially happy while most of us struggle with our finances?” That question led me down a path of understanding money, not just the numbers, but the emotions, habits, and behaviors that shape our financial lives.

I've made plenty of mistakes and learned many lessons the hard way. Along the way, I realized that lasting change rarely comes from big decisions. More often, it comes from small habits repeated consistently over time. That's what Pebble is built around.

The soul of Pebble is to help people who feel stressed, anxious, or behind when it comes to money. We want to help people become more confident and intentional with their finances, one small step at a time. That's why Pebble exists.

Khurram Adhami
Co-founder, Pebble

Starting is the hardest part.
So that’s the part we’re fixing.

We understand why people don’t start. We’ve been there too. That’s why we’re building it around you.

  • Designed for beginners
    Investing shouldn't feel like learning a new language that's why we keep things simple and leave jargon at the door
  • Digital-first

    Pebble is built for real people, with a clean, straightforward experience that gets out of your way

  • Learn first, buy later

    We help you learn the fundamentals, understand the whole picture and build confidence before investing

  • Fully licensed soon

    We're in the process of becoming a licensed PMEX broker to provide you with top-notch trust and credibility

  • Start with the lowest

    Start buying physical-backed gold with as little as 0.1 gram (yes, you read that right!)

The simplest way to start owning gold.

Pebble helps you invest in physically-backed gold, digitally, right from your phone

  • Real, physical gold

    Every rupee buys actual gold, not just a number on a screen

  • Held by PMEX, not by us
    Your gold is stored with Pakistan's regulated commodities exchange and registered in your name
  • Cash out when you need it
    Sell in a tap at the live market rate, straight back to your bank
  • Learn as you go
    Simple lessons at every step, so you always understand what you own
  • Built to keep you going
    Streaks, milestones, and goals that fill up, so showing up becomes the easy part

Everything we wish someone had taught us.

A growing library of lessons on saving, budgeting, inflation, personal finance, money psychology and everything in between

  • Filer vs Non-Filer 2026-27: the real difference (and what it costs you).

    Read
  • How to register as a Filer in Pakistan — a simple walkthrough.

    Read
  • Income tax in Pakistan 2026-27: a complete beginner's guide.

    Read
  • Inflation, explained with a plate of biryani.

    Read
Read the blog

The questions we'd ask too.

What is Pebble?

Pebble is a simple app for Pakistanis who want to start investing but never knew where to begin. We're starting with digital gold: real gold you can buy in small amounts, right from your phone. We're in the pre-launch phase for now.

When does Pebble launch?

We're pre-launch. We won't open the doors until we're fully licensed and regulated, because your money deserves nothing less. Join the waitlist and you'll be the first to know the moment we're live.

What does “real, physical gold bought digitally” mean?

You buy and sell gold digitally, in seconds, but every gram is backed by actual physical gold held in a secure, exchange-approved vault. At settlement, that gold is registered in your name, so you genuinely own it. (See How it works for the full walkthrough.)

Do I need to know anything about investing?

Not a thing. Pebble is built for people starting from zero, with plain-language guides and no jargon to trip you up. You'll learn as you go, at your own pace.

Is Pebble legit? Is my money safe?

Fair question — one you should ask of anyone handling your money. We won't launch until we're fully licensed and regulated, and your gold is held by PMEX (a regulated exchange), not by us. One note: gold's price can rise and fall, so like any investment it carries some risk.

Is Pebble free to join?

Yes. Joining the waitlist is completely free and takes about 30 seconds, with no commitment. When we launch, we'll always be upfront about any costs before you pay a rupee.

Why should I join the waitlist now?

Waitlist members get early access, money education in their inbox, and a seat in the community while we build. When we open, you'll be first through the door.

What happens when I join?

You'll get the inside scoop, a spot in our community, and simple money lessons in your inbox — all while we build. We'll never spam you or sell your data, and when we launch, you're first in line.

Come build this with us

Pebble's just getting started, and there's room for you in it. Join the waitlist and help us build it right.
{{ joinedTitle }}
We'll send the inside scoop as Pebble takes shape.
Free to join. No spam, we promise.