Epic Angels, the largest global all-female investment collective, has announced their investment in Neem, a full-stack payments infrastructure platform modernising Pakistan’s financial ecosystem by enabling businesses to move from cash to digital through seamless collections, disbursements, and embedded wallets.

Joining the Pre-Series A investment round alongside Epic Angels are DNI Group, Hi2 Global, AKD, supported by existing Seed investors including SparkLabs Ventures, Outrun Ventures, Arif Habib, and MyAsiaVC, as well as strategic angels from Stripe, PayNet, Aspire, and other global fintech and payments leaders. The funds will be used to scale Neem’s technology infrastructure, strengthen cybersecurity and data protection, expand enterprise partnerships, and accelerate onboarding across key sectors, including logistics, insurance, healthcare, e-commerce, and agriculture.

Digitising Pakistan’s payments infrastructure to enable a cashless economy

Pakistan’s payments ecosystem remains highly fragmented. Despite a population of over 250 million, with 60% under the age of 30, approximately 71% of the total value of transactions continues to flow through over-the-counter cash and traditional channels. Businesses often rely on multiple payment providers to collect revenue, pay vendors, and manage payroll, resulting in operational inefficiencies, manual reconciliation, and limited real-time financial visibility for enterprises and SMEs across key sectors of the economy.

Neem is addressing these challenges by building a full-stack payments platform that enables collections, disbursements, and branded wallets through a single API, similar to how modern payments infrastructure platforms operate in more developed markets. Founded by Vladimira Briestenska, Nadeem Shaikh, and Naeem Zamindar, a seasoned team with deep experience across fintech, banking, and regulation, Neem commercially went to market with its core products in January 2025. Since then, the platform has scaled rapidly, growing transaction volumes by over 30% month-on-month, and now supports 50+ B2B businesses across logistics, insurance, healthcare, e-commerce, and agriculture. 

Why Epic Angels invested

“Big players like Stripe and Adyen collectively hold less than 10% of the global payments market and are focused on established markets, leaving a massive opportunity for local platforms like Neem,” says Maaike Doyer, Founding and Managing Partner at Epic Angels. “With large enterprises across logistics, insurance, and agriculture already signed, Neem is well-positioned to become the financial operating system powering Pakistan’s digital economy. We’re excited to support their next phase of growth by leveraging Epic Angels’ global investor network.”