IntraPay
Bangladesh's own payment network.
Sovereign interbank payment switch replacing Visa and Mastercard for domestic transactions. Rust core with sub-millisecond settlement, post-quantum cryptography, and dual data center resilience.
A KaritKarma ProductWhy Sovereign
Keep Bangladesh's money in Bangladesh.
Every domestic card transaction today routes through Visa or Mastercard — paying international interchange fees for a transaction that never leaves the country. IntraPay replaces that dependency with sovereign infrastructure.
Sovereign BIN Range (9xxx)
Domestic-only cards issued under Bangladesh's own BIN range. Instant issuance, real-time authorization, and settlement without international network dependencies or fees.
BanglaQR Merchant Payments
Native BanglaQR support for merchant payments. Scan-to-pay at any merchant terminal. Interoperable across all participating banks and MFS operators.
MFS Aggregation
Unified gateway for bKash, Nagad, and Rocket. One API integration gives merchants access to every mobile financial service in Bangladesh.
RTGS & ACH
Real-time gross settlement for high-value interbank transfers. Automated clearing house for batch processing of recurring payments and salary disbursements.
Core Capabilities
Built for central banks. Ready for production.
Every component designed for the highest standards of financial infrastructure — sub-millisecond latency, post-quantum security, and carrier-grade resilience.
Sub-Millisecond Settlement
Rust core switch processes interbank transactions in under 1ms. Lock-free async architecture with zero-copy message passing for maximum throughput.
Post-Quantum Cryptography
CRYSTALS-Kyber for key encapsulation and CRYSTALS-Dilithium for digital signatures. Thales Luna HSM for hardware-backed key management. Future-proof against quantum computing threats.
BanglaQR + MFS Aggregation
Native BanglaQR merchant payments. Unified MFS aggregation across bKash, Nagad, and Rocket. One integration, every payment method in Bangladesh.
Dual Data Center
Active-active deployment across Dhaka and Chittagong data centers. PostgreSQL with Patroni for automatic failover. Zero data loss with synchronous replication.
PCI DSS Level 1
Full PCI DSS Level 1 compliance. Mutual TLS (mTLS) for all interbank communication. ISO 20022 message standards for interoperability.
9xxx BIN Cards
Sovereign BIN range for domestic-only cards. Instant issuance, real-time authorization, and settlement without international network fees.
Technology
The right language for every layer.
Rust where nanoseconds matter. Go where developer velocity matters. TypeScript for the developer experience. Python for the ML models.
Rust
Core payment switch — lock-free async, zero-copy, sub-millisecond
Go
12 microservices — card management, merchant, settlement, reconciliation
TypeScript
REST API gateway, SDKs, developer portal
Python
Fraud ML models — real-time scoring, anomaly detection
Kafka
Event streaming — transaction events, audit trail, analytics
PostgreSQL + Patroni
Primary database with automatic failover and synchronous replication
Powered by 2 platform services.
IntraPay integrates with KaritKarma's battle-tested identity and authorization infrastructure for secure participant management.
Target Market
Built for the institutions that move money.
IntraPay is designed for Bangladesh Bank, commercial banks, MFS operators, and payment service providers — the institutions that form the backbone of Bangladesh's financial infrastructure.
FAQ
Common questions about IntraPay.
What is IntraPay?
IntraPay is a sovereign interbank payment switch and network infrastructure built to replace dependency on Visa and Mastercard for domestic Bangladesh transactions. It features a Rust-based core switch with sub-millisecond latency, 12 Go microservices for card management and settlement, dual data center deployment (Dhaka + Chittagong), and post-quantum cryptography for future-proof security.
How does IntraPay differ from existing payment networks?
IntraPay is purpose-built for Bangladesh's domestic payment ecosystem. Unlike international networks that charge interchange fees for domestic transactions, IntraPay keeps fees within the national economy. It supports 9xxx BIN sovereign cards, BanglaQR merchant payments, and unified MFS aggregation (bKash, Nagad, Rocket) — all with sub-millisecond processing latency.
What security standards does IntraPay meet?
IntraPay is built to PCI DSS Level 1 standards with mutual TLS (mTLS) for all interbank communication, ISO 20022 message standards, and post-quantum cryptography using CRYSTALS-Kyber for key encapsulation and CRYSTALS-Dilithium for digital signatures. Hardware security modules (Thales Luna HSM) protect all cryptographic keys.
Who is IntraPay built for?
IntraPay targets Bangladesh Bank (central bank), commercial banks, mobile financial service operators, and payment service providers. It is designed to be the national interbank payment infrastructure — replacing international card networks for domestic transactions while enabling real-time gross settlement (RTGS) and automated clearing house (ACH) functionality.
What is the technology stack behind IntraPay?
The core payment switch is written in Rust for maximum performance and safety. 12 Go microservices handle card management, merchant onboarding, settlement, reconciliation, and compliance. TypeScript powers the REST API gateway and developer SDKs. Python handles fraud ML models. Kafka provides event streaming, and PostgreSQL with Patroni handles persistence with automatic failover across dual data centers.
Sovereign Infrastructure
The future of domestic payments in Bangladesh.
Sub-millisecond settlement. Post-quantum security. Complete sovereignty. IntraPay is ready for the institutions that will define Bangladesh's financial future.