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3. Instant Sahulat Accounts
True instant — not “one week later”.
4. Broker Portability
Change brokers without reopening accounts.
5. Exchange-Level Retail App
PSX must own the front end, not just infrastructure.
6. CGT Rationalization
High friction plus high taxes kills adoption.
Why Crypto Won — And Why Stocks Still Matter More
Crypto attracted users through:
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Speed
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Optionality
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Speculation
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Global narratives
But stocks offer:
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Ownership
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Cash flows
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Dividends
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Governance
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Economic linkage
The tragedy is that Pakistanis are speculating globally while owning nothing locally.
That is a capital formation failure.
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