What is the KaritKarma enterprise stack?

Four products composed for Bangladesh SMBs and operations teams. BizRP is a 13-service modular ERP built in Go (gateway, accounting, inventory, sales, procurement, catalog, customers, HRMS, CRM, billing, support, e-commerce, settings). Wenme is the passwordless identity layer for staff. Darwan is the policy-based authorization service. BitsPath is the unified communications cloud (webmail, voice, SMS, WhatsApp, CRM). One audit, one identity, one log surface.

How does BizRP compare to Microsoft Dynamics 365?

BizRP provides the same core ERP modules (accounting, inventory, sales, procurement, HRMS, CRM, billing, support) at roughly 16x less per user, and roughly 3x less than Odoo Enterprise. It is built specifically for Bangladesh SMBs with first-party bKash and Nagad checkout, Mushak 6.3 VAT, NBR tax compliance, and BDT-native accounting. Microsoft Dynamics is designed for Fortune 500 budgets.

What modules does BizRP include?

BizRP runs 13 Go microservices in production: Gateway, Accounting (double-entry, multi-currency, Mushak 6.3 VAT), Inventory (multi-warehouse, FIFO and LIFO, barcode scanning), Sales (quotes, orders, invoices), Procurement (purchase orders, vendor management), Catalog, Customers, HRMS (payroll, attendance, leave, recruitment), CRM (contacts, deals, pipeline), Billing (subscriptions, invoicing), Support (tickets, SLA, knowledge base), E-Commerce (storefront builder), and Settings, with Manufacturing and POS in development. Multi-tenant SaaS at dash.bizrp.com or single-tenant on-prem.

Can I start with just accounting and add modules later?

Yes. BizRP is fully modular. Start with accounting alone, then add inventory when you need it, then sales, then HRMS. Each module activates independently. No need to license the entire suite upfront. Pay only for what you use, and add more as the business grows.

Why include Wenme and Darwan in an enterprise stack?

Because the auditor will ask. Under PDPO 2025 and the Bangladesh Bank Cyber Security Framework, an enterprise needs passwordless MFA, policy-based access control, and a tamper-evident audit trail on every authorization decision. Wenme delivers WebAuthn passkeys with zero passwords stored. Darwan delivers explainable allow or deny with a SHA-256 hash-chained audit log a regulator can re-verify through a public endpoint. Both inherit into BizRP and BitsPath so the answer is one audit, not four.

Enterprise stack

Microsoft Dynamics at BDT 19,200 per user per month was not built for you.

For SMB owners, CFOs, and operations heads who need real ERP (accounting, inventory, sales, HRMS, CRM) plus the identity and authorization layer the auditor will ask about under PDPO and the BB Cyber Security Framework.

Talk to an enterprise specialist

Stack at a glance

13: BizRP Go services
~16x: Less than Dynamics
4: Wenme passwordless methods
55: Darwan API endpoints

What is the enterprise stack?

ERP plus identity plus authorization plus communications.

The KaritKarma enterprise stack is four products composed for Bangladesh SMBs and their operations teams. BizRP is the 13-service modular ERP (BDT-native, Mushak 6.3 VAT, bKash and Nagad day one). Wenme is the passwordless staff identity layer. Darwan is the policy-based authorization service with a hash-chained audit trail. BitsPath is the unified communications layer the team lives in.

One audit, one identity, one log surface. The whole stack is designed against PDPO 2025 and the BB Cyber Security Framework, with the clause families documented on our compliance pages.

The problem

Enterprise ERP was not designed for Bangladesh SMBs.

Microsoft Dynamics 365 prices for Fortune 500, not Bangladesh SMBs

Enterprise ERP pricing was not designed for a 50-seat SMB in Dhaka. BizRP delivers the same core modules (accounting, inventory, sales, HRMS, CRM, support) at roughly 16x less per user, with first-party bKash and Nagad checkout and Mushak 6.3 VAT.

SAP and Oracle take 18 months and a consultancy contract

BizRP deploys in weeks, not quarters. Start with the modules you need, add more as you grow. No consultancy retainer, no per-module customisation backlog, no surprise change orders.

ERPNext sounds free until you self-host it

Open-source sounds free until you cost in the hosting, the security patches, the upgrade cycles, and the Frappe-framework developers you cannot find locally. BizRP is fully managed SaaS at dash.bizrp.com or single-tenant on-prem with us operating it.

Your team will not use software they do not understand

The most powerful ERP is worthless if nobody uses it. BizRP was designed mobile-first. Warehouse staff run inventory from their phone. Sales managers update pipeline on the bus. Camera barcode scanning and a console with 160+ admin screens already built.

BizRP modules

Start with what you need. Scale as you grow.

Six core modules out of 13 production services. Activate any module independently. Bangladesh accounting, Mushak 6.3 VAT, bKash and Nagad checkout are first-party in every module that touches money.

Accounting

Double-entry, multi-currency, Mushak 6.3 VAT, NBR tax-ready

Inventory

Multi-warehouse, FIFO and LIFO, barcode, mobile scan

Sales and E-Commerce

Quotes, orders, invoices, storefront builder

HRMS

Payroll, attendance, leave, recruitment

CRM

Contacts, deals, activities, pipeline

Support

Tickets, SLA, knowledge base

The products

Four products. ERP plus the platform layer around it.

BizRP

Modular ERP for Bangladesh SMBs

13-service modular ERP built in Go. BDT-native accounting with Mushak 6.3 VAT, first-party bKash and Nagad checkout, mobile-first UI. Multi-tenant SaaS at dash.bizrp.com or on-premises. 3x cheaper than Odoo Enterprise, 16x cheaper than Microsoft Dynamics 365.

Read the BizRP page

Wenme

Passwordless Identity for Staff

OAuth 2.1 with mandatory PKCE plus WebAuthn passkeys plus cross-device QR login. Zero passwords stored, EdDSA-signed tokens, four passwordless methods. The identity layer your auditor will ask about under PDPO and the BB Cyber Security Framework.

Read the Wenme page

Darwan

Policy-Based Authorization

Centralised authorization service. RBAC plus deny-override ABAC, explainable decisions via authorize:explain, SHA-256 hash-chained audit trail, multi-tenant by design, Redis decision caching. Production-ready on .NET 10, Postgres 18, Redis.

Read the Darwan page

BitsPath

Unified Communications for the Operations Team

Webmail with Gmail-grade UX on a Stalwart mail engine, voice PBX, SMS, WhatsApp, CRM, campaigns. Multi-tenant by domain, white-labellable. One inbox for the whole company across every channel.

Read the BitsPath page

Why KaritKarma

ERP that your team will actually use, plus the audit story.

The first reason ERP projects fail is user adoption. The second is the auditor. BizRP solves adoption with mobile-first design and Bangladesh-first defaults. Wenme plus Darwan solves the auditor with passwordless MFA and a hash-chained authorization audit trail. One stack, both problems.

13 Go microservices, true modularity

Each module is an independent service. Update accounting without touching inventory. Scale sales without scaling HRMS. Add modules incrementally. No monolith upgrade window.

Bangladesh-first, BDT-native

Mushak 6.3 VAT, NBR tax compliance, bKash and Nagad first-party checkout, BDT-native accounting with multi-currency support where you need it.

Passwordless identity inherited

Wenme is the staff identity layer for every product. WebAuthn passkeys, OAuth 2.1 with mandatory PKCE, zero passwords stored. The auditor's PDPO and BB CSF answer is one document, not four.

Authorization with a hash-chained audit trail

Darwan answers every allow or deny with a reason code, and every audit event is SHA-256 hash-chained per tenant with a public verification endpoint. RBAC plus deny-override ABAC. Multi-tenant by design.

KaritKarma vs the alternatives

What this stack replaces.

Side-by-side against Microsoft Dynamics, Odoo Enterprise, and self-hosted ERPNext that Bangladesh SMB buyers evaluate first.

Capability	KaritKarma	Foreign ERP or self-hosted
Modular ERP for Bangladesh SMBs	BizRP (13 Go services)	MS Dynamics 365 (Fortune 500 pricing)
Mushak 6.3 VAT and NBR tax compliance	First-party day one	Custom localisation project
bKash and Nagad payment integration	Built in, every release	Per-bank integration in-house
Passwordless WebAuthn for staff	Wenme inherited	Per-product MFA bolt-on
Policy-based authorization with audit chain	Darwan inherited	Role table per microservice
Cost vs Microsoft Dynamics 365	About 16x less per user	BDT 19,200 per user per month

Attributed claims: BizRP service count, BDT-native accounting, Mushak 6.3 VAT, bKash and Nagad first-party, and the pricing arithmetic are verified against the BizRP codebase and published price lists. Wenme passwordless surface and Darwan audit chain are verified in their respective codebases. BitsPath webmail and BYOP messaging sourced from the BitsPath product page.

Buyer questions

Questions SMB owners and CFOs ask first.

Six written answers so procurement starts on substance.

What is the KaritKarma enterprise stack?: Four products composed for Bangladesh SMBs and operations teams. BizRP is a 13-service modular ERP built in Go (gateway, accounting, inventory, sales, procurement, catalog, customers, HRMS, CRM, billing, support, e-commerce, settings). Wenme is the passwordless identity layer for staff. Darwan is the policy-based authorization service. BitsPath is the unified communications cloud (webmail, voice, SMS, WhatsApp, CRM). One audit, one identity, one log surface.
How does BizRP compare to Microsoft Dynamics 365?: BizRP provides the same core ERP modules (accounting, inventory, sales, procurement, HRMS, CRM, billing, support) at roughly 16x less per user, and roughly 3x less than Odoo Enterprise. It is built specifically for Bangladesh SMBs with first-party bKash and Nagad checkout, Mushak 6.3 VAT, NBR tax compliance, and BDT-native accounting. Microsoft Dynamics is designed for Fortune 500 budgets.
What modules does BizRP include?: BizRP runs 13 Go microservices in production: Gateway, Accounting (double-entry, multi-currency, Mushak 6.3 VAT), Inventory (multi-warehouse, FIFO and LIFO, barcode scanning), Sales (quotes, orders, invoices), Procurement (purchase orders, vendor management), Catalog, Customers, HRMS (payroll, attendance, leave, recruitment), CRM (contacts, deals, pipeline), Billing (subscriptions, invoicing), Support (tickets, SLA, knowledge base), E-Commerce (storefront builder), and Settings, with Manufacturing and POS in development. Multi-tenant SaaS at dash.bizrp.com or single-tenant on-prem.
Can I start with just accounting and add modules later?: Yes. BizRP is fully modular. Start with accounting alone, then add inventory when you need it, then sales, then HRMS. Each module activates independently. No need to license the entire suite upfront. Pay only for what you use, and add more as the business grows.
Why include Wenme and Darwan in an enterprise stack?: Because the auditor will ask. Under PDPO 2025 and the Bangladesh Bank Cyber Security Framework, an enterprise needs passwordless MFA, policy-based access control, and a tamper-evident audit trail on every authorization decision. Wenme delivers WebAuthn passkeys with zero passwords stored. Darwan delivers explainable allow or deny with a SHA-256 hash-chained audit log a regulator can re-verify through a public endpoint. Both inherit into BizRP and BitsPath so the answer is one audit, not four.
Where does BitsPath fit on an enterprise stack?: BitsPath is the unified communications layer the operations team lives in. Webmail with Gmail-grade UX on a Stalwart mail engine, voice PBX, SMS, WhatsApp, CRM, campaigns. Multi-tenant by domain, white-labellable. It removes Gmail Workspace, HubSpot, and Zendesk in one procurement cycle, and the BYOP model means zero per-message markup on SMS, email, or WhatsApp.

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