Solutions for
Bangladesh's regulated and operational buyers.
Twenty-two KaritKarma products, composed into four buyer-persona stacks. Each stack is composed against the Bangladesh Bank framework, the NBR rule, or the operational reality your team is actually buying for.
Reality check
- 22
- Products in catalog
- 19
- BB frameworks mapped
- 26 yrs
- Financial infra heritage
- AS 64005
- APNIC member, own /24
What we offer
KaritKarma per industry, defined.
A short, machine-readable answer for the team that owns the procurement.
- Communications
- Replace FreeSWITCH plus Twilio plus a half-built OSS stack with a unified communications platform: pure-Rust PBX, BYOP messaging, software-defined BNG, subscriber billing.
- Fintech
- Real-time fraud scoring, sovereign payment switching, bank-custodial escrow, and on-prem MFS bridging built for Bangladesh Bank deadlines, not a Western fraud SaaS.
- Media and Publishing
- An autonomous newsroom, browser-native desktop publishing, pure-Rust streaming, a face-aware DAM, and a headless CMS. One vendor for the full print, web, and video pipeline.
- Enterprise
- Modular Go-based ERP, bKash and Nagad first-party, Mushak 6.3 VAT, Bangla on day one, plus the identity and authorization layer the auditor will ask about.
Products in stack: BitsPath, BitsPath Voice, ISPChamp, Sotto.
Products in stack: Aegis, IntraPay, Hold.bd, FinBridge.
Products in stack: NewsForge, ViewCasta, Pressable, Loom, Foveio.
Products in stack: BizRP, Wenme, Darwan, BitsPath.
Four buyer-persona stacks
Pick the stack your team is buying for.
Each page lists the products, the pains they remove, the BB clauses or operational metrics they map to, and the alternatives you are weighing them against.
Communications
ISPs, Telcos, MVNOs, Service Providers
Replace FreeSWITCH plus Twilio plus a half-built OSS stack with a unified communications platform: pure-Rust PBX, BYOP messaging, software-defined BNG, subscriber billing.
Fintech
Banks, MFS Operators, NBFIs, PSPs
Real-time fraud scoring, sovereign payment switching, bank-custodial escrow, and on-prem MFS bridging built for Bangladesh Bank deadlines, not a Western fraud SaaS.
Media and Publishing
News Houses, Publishers, Broadcasters
An autonomous newsroom, browser-native desktop publishing, pure-Rust streaming, a face-aware DAM, and a headless CMS. One vendor for the full print, web, and video pipeline.
Enterprise
SMB Owners, CFOs, Operations Heads
Modular Go-based ERP, bKash and Nagad first-party, Mushak 6.3 VAT, Bangla on day one, plus the identity and authorization layer the auditor will ask about.
Why one vendor
One platform under every vertical product.
The shared infrastructure layer (identity, authorization, communications, storage, payments) is the same code under every KaritKarma product. Procurement, audit, and onboarding compress into one cycle, not five.
Mapped to Bangladesh Bank clauses
Our compliance pages trace platform capabilities to the BB Cyber Security Framework, BB Partner Network, and PDPO clause families they answer. No generic posture claims.
On the wires we own
Tier-3 data centre in Dhaka, APNIC AS 64005 with our own IPv4 and IPv6 blocks. Identity, authorization, and fraud workloads have zero dependency on foreign cloud providers.
Shared platform, vertical products
Wenme, Darwan, BitsPath, Foveio, and Loom are inherited by every vertical product. One audit, one identity, one log surface across the whole portfolio.
Bangla, BDT, MFS first-class
Mushak 6.3, NBR taxes, Bangla typography shaped with HarfRust (the Rust port of HarfBuzz), bKash and Nagad as first-party integrations. Not a translation layer over a Western product.
KaritKarma vs the alternatives
Where the buy-vs-assemble-vs-build math lands.
A composed KaritKarma stack vs assembling five international vendors vs writing everything in-house.
| Capability | KaritKarma stack | Assemble vendors | Build in-house |
|---|---|---|---|
| Bangladesh Bank clause mapping | Documented on our compliance pages | Your auditor reconstructs it | You write it yourself |
| bKash and Nagad first-party | Day one, every product | Per-vendor integration | Vendor contracts in flight |
| Bangla-first typography | Pressable shaping, NewsForge Bangla | Patchy across vendors | Months of font work |
| Single identity and authorization | Wenme plus Darwan, federated | SSO bolt-on per vendor | OAuth stack from scratch |
| Data residency in Bangladesh | Tier-3 DC, APNIC AS 64005 | Mostly foreign cloud | Your DC procurement |
Based on procurement evaluations with regulated-institution and operator prospects, conducted under NDA.
Buyer questions
Questions our buyers ask first.
Six answers we have written down so you do not have to ask them on the briefing call.
- What does KaritKarma offer per industry?
- KaritKarma packages its 22 products into four buyer-persona stacks. Communications gets BitsPath, BitsPath Voice, ISPChamp, and Sotto. Fintech gets Aegis, IntraPay, Hold.bd, and FinBridge. Media gets NewsForge, ViewCasta, Pressable, Loom, and Foveio. Enterprise gets BizRP, Wenme, Darwan, and BitsPath. The stacks share one platform layer (Wenme identity, Darwan authorization, BitsPath communications, Foveio storage, Loom web) instead of per-vendor integration work.
- Are these solutions productised or consulting engagements?
- Productised. Every solution is composed from shipped KaritKarma products with versioned APIs and runbooks, and the regulatory clause families are documented on our compliance pages. LoneSock Consultancy handles bespoke implementation work when a buyer asks for it, but the solution is the product, not a slide deck.
- Can I buy individual products instead of a full vertical stack?
- Yes. Every product on this site is licensable on its own. The solution pages are buyer-persona compositions for teams who want a complete vertical answer in one procurement cycle. If you only need fraud detection or only an ERP, go directly to the product page.
- Why a Bangladesh-specific vendor instead of a global SaaS?
- Bangladesh Bank's 2026 to 2027 deadlines (Bangla QR June 2026, Cyber Security Framework December 2026, Partner Network December 2026, PDPO May 2027) are not generic compliance items. They require data localisation, Bengali-language audit trails, MFS-aware fraud models, and clause-level mapping. Global SaaS vendors map to GDPR or PCI DSS, not to BRPD-2 or BFIU AML/CFT. KaritKarma maps to both.
- How long does a typical deployment take?
- BizRP and BitsPath deploy in weeks. Wenme, Darwan, and Aegis follow a parallel-run pattern (shadow mode against existing CBS or AD/LDAP) before cutover, typically eight to twelve weeks. IntraPay and FinBridge are bank-side deployments and follow the bank's own change-management calendar. Every engagement starts with a 30-minute technical briefing, not a sales sequence.
- What deployment models are supported?
- Three: multi-tenant SaaS on KaritKarma infrastructure (Tier-3 DC Dhaka, APNIC AS 64005), dedicated single-tenant on KaritKarma infrastructure, or fully on-premises inside the customer's data centre with our Go connector pattern. Banks and regulated institutions typically pick dedicated or on-prem. Commerce and media customers usually pick SaaS.
Not sure which stack fits? Let us walk it with you.
Get a personalized walkthrough of KaritKarma with one of our specialists. No commitment required.