Fraud losses and manual review are killing your margins.
For banks, MFS operators, and NBFIs who need real-time fraud detection, unified payment infrastructure, and secure escrow — built specifically for Bangladesh's financial landscape.
The Problem
12 billion transactions. Zero dedicated fraud detection.
9.3% MFS fraud rate with zero detection
Bangladesh processes 12 billion MFS transactions annually with no dedicated fraud detection platform. Generic solutions miss local fraud patterns like hundi corridors and SIM swap attacks.
Manual transaction review kills margins
Banks hire armies of analysts to manually review flagged transactions. Aegis automates 90% of decisions in under 2ms, with human review only for truly ambiguous cases.
No escrow infrastructure for digital commerce
High-value transactions happen on trust alone. Hold.bd provides milestone-based escrow with automatic release, dispute resolution, and regulatory compliance.
Payment fragmentation across providers
bKash, Nagad, bank transfer, cards — each with different APIs, different reconciliation, different failure modes. LoneSock Pay normalizes them into one API.
The Stack
Four products. Complete fintech infrastructure.
Aegis
AI Fraud Detection
Real-time 3-layer cascade scoring in under 50ms. 80+ detection rules, Bangladesh-specific intelligence for hundi, SIM swap, and agent fraud. Consortium learning.
LoneSock Pay
Payment Gateway
One API for bKash, Nagad, Stripe, PayPal. Accept payments globally with automatic routing, retry logic, and reconciliation.
Hold.bd
Escrow Service
Secure escrow for high-value transactions. Milestone-based releases, dispute resolution, KYC tiers, and Prime Bank PLC partnership.
FinBridge
Bank-MFS Bridge
On-premises DPS platform connecting banks with mobile financial services. Bank-owned, CBS-safe, zero data exposure to third parties.
Why KaritKarma
Built for Bangladesh's financial infrastructure.
We understand Bangladesh Bank regulations, MFS agent networks, hundi corridors, and the unique fraud patterns of this market. Generic solutions from abroad don't.
Sub-50ms Scoring
90% of transactions resolved in under 2ms by the rules gate. Only truly ambiguous cases reach the deep ensemble.
80+ Detection Rules
14 rule categories covering velocity, geographic, device, AML, account takeover, mule detection, dormant accounts.
Regulatory Compliance
Automatic CTR, SAR, and structuring detection per Bangladesh Bank regulations. Audit trail for every decision.
Consortium Intelligence
Federated learning across participating banks. Cross-institution pattern sharing without exposing raw data.
Stop fraud before it costs you.
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