The problem was obvious.
You browse on Instagram, agree on a price in WhatsApp, send the money via bank transfer... and then the seller blocks you. The money is gone. And there is absolutely nothing you can do about it.
"Why is there no safe way to buy and sell online in Pakistan?"
In almost every other country, trusted middlemen hold the money to protect both sides. But here, people were still sending money to total strangers and hoping for the best. It was broken.
No middleman.
No safety.
Modern Amanah.
Pakistan's first app to hold your money safely until you receive exactly what you paid for.
We decided to change it.
We took an old, trusted concept — Amanah (امانہ) — and built modern technology around it.
Zimma (ذمہ) is an Urdu word that means responsibility, accountability, and being answerable. When you use our app, we take Zimma for keeping your money safe. It is a promise, not a tagline.
What We Stand For.
We are building trust in a market where trust has been broken. Our values are the unshakeable foundation of every line of code we write and every decision we make.
Amanah First
Amanah is not just a feature — it is our core value. We will never touch your money for any reason other than what we absolutely promised.
Fair for Everyone
We protect buyers. We also protect sellers. Zimma is not on anyone's side — we are firmly on the side of whoever is right based on evidence.
Built for Pakistan
We did not simply copy a foreign product. We built Zimma from scratch, operating natively in Pakistani Rupees, with local values at the core.
We Are a Real Company.
We are a focused, passionate startup building the future of local commerce from Islamabad.
We publish our exact legal details openly because we believe in complete transparency. When you use Zimma, you should always know exactly who is holding your money.
Legal Registration Details
G-14/4 G 14/4 G-14,
Islamabad, Pakistan