NayaPay’s Rewind feature has taken a sharp comedic turn with the launch of Roast Mode, an AI-driven twist that turns routine financial recaps into punchy, no-holds-barred commentary on everyday spending. The feature, introduced on December 27, 2025, has quickly become a talking point across Pakistan as users share screenshots of their “roasted” transaction histories. What began as a simple way to review monthly expenses is now fueling viral entertainment and a broader conversation about how fintech can blend humor with financial awareness.
The sudden wave of attention reflects how a single playful feature can reshape the image of a digital wallet app almost overnight. Instead of dry charts and neutral summaries, NayaPay is inviting its millions of users to laugh at their own habits, from late-night food orders to impulsive shopping sprees. That shift is not just cosmetic, it signals a deliberate attempt to make financial tools feel less intimidating and more culturally in tune with how Pakistan’s young, online population already talks about money.
Launch of Roast Mode
NayaPay has embedded Roast Mode directly into its existing Rewind feature, so users who already rely on monthly or weekly transaction summaries now see an extra option that swaps neutral language for sharp, sarcastic commentary. According to reporting on NayaPay Rewind’s Roast Mode, the tool sits on top of the same transaction data that powers standard recaps, but it runs that information through an AI system trained to recognize patterns in spending and respond with humorous, context-aware remarks. Instead of a bland note that a user spent a certain amount on food delivery, Roast Mode might highlight how many times they “could have cooked at home” or joke about their loyalty to a particular burger chain, turning what used to be a passive statement into an active, shareable moment.
The company has made Roast Mode immediately available to all NayaPay users in Pakistan as of December 27, 2025, without requiring a separate download or premium upgrade, which significantly lowers the barrier to trying it. That broad rollout means the feature is not limited to a small beta group, but is instead positioned as a mainstream part of the app’s identity, signaling that NayaPay sees humor as a core engagement strategy rather than a side experiment. For users, the stakes are straightforward but meaningful: financial tracking becomes less of a chore and more of a personalized experience, which can encourage more frequent check-ins with their transaction history and potentially foster better awareness of where their money is going, even as they laugh at the commentary.
How AI Turns Transactions Into Roasts
At the heart of Roast Mode is an AI layer that interprets transaction categories, frequencies and patterns, then generates short, punchy lines that read like a friend teasing you about your habits. The reporting on NayaPay’s new Rewind experience describes the feature as a humorous tool that leans into sarcasm and playful exaggeration, rather than formal financial advice. In practice, that means the AI is not just labeling a payment as “transport” or “entertainment,” it is noticing that a user booked multiple ride-hailing trips in a single day or ordered chai from the same café every evening, then framing that pattern as a roast that feels tailored rather than generic.
For Pakistan’s growing base of digital wallet users, this AI-driven personalization has broader implications than a few laughs at the end of the month. By turning raw data into conversational language, Roast Mode helps demystify financial tracking for people who might otherwise ignore charts or tables, especially younger users who are more comfortable with meme culture than with spreadsheets. That shift in tone can make it easier for users to recognize problematic habits, such as frequent impulse purchases, while still feeling entertained, which is a subtle but important way of nudging better financial behavior without resorting to lectures or warnings.
Viral Internet Reactions
Once Roast Mode went live, social media platforms in Pakistan quickly filled with screenshots and screen recordings of the most cutting or relatable lines generated by the feature. Users on X and TikTok began posting their Rewind summaries, highlighting how the AI called out late-night fast food orders, repeated subscriptions or weekend shopping binges in language that sounded closer to stand-up comedy than banking. The coverage of Roast Mode’s debut notes that these posts did not stay niche, they were amplified through thousands of shares, duets and stitches, turning individual transaction histories into viral content that others could laugh at and relate to.
As the jokes spread, a mix of amusement and surprise defined the public reaction, with many users expressing shock at how accurately the AI seemed to capture their spending personalities. That emotional response matters because it transforms what could have been a one-off novelty into an ongoing social trend, where people actively look forward to their next Rewind just to see what Roast Mode will say. Challenges have already started to emerge, with users intentionally staging exaggerated spending scenarios, such as ordering from the same restaurant multiple times in a day, to see how harshly the AI will respond, which in turn generates more content and keeps NayaPay at the center of online conversations about money and lifestyle.
Roast Challenges and Meme Culture
Beyond simple sharing, Roast Mode has tapped into Pakistan’s meme culture by inspiring structured challenges that encourage users to push the feature to its comedic limits. Reporting on the internet’s reaction to NayaPay Rewind highlights how some users are crafting hypothetical or exaggerated spending patterns, such as a full weekend of food delivery or back-to-back online shopping sprees, then posting the resulting roasts as proof of how “savage” the AI can be. These challenges often come with hashtags and side-by-side comparisons, where friends compete over who received the harshest or funniest line, turning private financial data into a kind of social game.
That gamification has clear implications for how people interact with financial apps, because it reframes transaction histories as content rather than static records. When users treat their spending summaries as material for jokes, they are more likely to revisit the app, explore different time ranges in Rewind and experiment with how their behavior changes the AI’s tone. For NayaPay, this behavior translates into higher engagement metrics and a stronger presence in everyday digital conversations, while for users it blurs the line between entertainment and financial literacy, potentially making them more conscious of patterns they might otherwise ignore.
NayaPay’s Strategic Impact
From a strategic standpoint, NayaPay is using Roast Mode to differentiate its Rewind feature from the standard, utilitarian summaries offered by many other digital wallets and banking apps. The reporting on Roast Mode’s rollout frames the move as a deliberate attempt to make fintech feel more relatable and fun, especially for younger Pakistanis who are already comfortable with AI-driven content in other parts of their digital lives. By positioning humor as a core part of the user experience, NayaPay is betting that people will be more inclined to open the app regularly, not just when they need to transfer money or check a balance, which is a critical factor in long-term retention.
The immediate buzz around the December 27, 2025 launch suggests that this bet is paying off in terms of visibility, with social media chatter effectively serving as free marketing that can drive new downloads. When non-users see friends posting their roasts, they are exposed to NayaPay’s brand in a context that feels organic and entertaining, rather than promotional, which can be more persuasive than traditional advertising. Over time, if Roast Mode continues to evolve and stays aligned with user expectations, it could help NayaPay solidify its position in Pakistan’s crowded fintech landscape by proving that financial tools do not have to be dry or intimidating to be taken seriously.
