26 years of financial infrastructure engineering, one principal engineer.
KaritKarma Limited is the legal entity. The work it does is narrower than the size of the portfolio suggests: build the identity, authorization, and compliance primitives that regulated institutions in Bangladesh and South Asia can defend under audit.
- Experience
- 26 years
- Headquarters
- Dhaka, Bangladesh
- Data center
- Tier-3, BD-sovereign
- APNIC member
- AS 64005
Definition
What is KaritKarma?
KaritKarma Limited is a Bangladesh-based platform company headquartered in Dhaka. It builds identity, authorization, and compliance infrastructure that regulated institutions (banks, NBFIs, MFSPs, PSPs) in Bangladesh and South Asia can deploy against the audits they actually face: Bangla QR, the Bangladesh Bank Cyber Security Framework, BB Partner Network BRPD-2, and PDPO.
The principal engineering practice has been continuous since 2000 (first as SNIPro, then KaritKarma from 2010, then KaritKarma Limited from 2013). 22 production products have shipped under this roof. For the 2026 bet, the public story is narrowed to three of them: Wenme for identity, Darwan for authorization, Aegis for anti-fraud and transaction protection.
Same principal engineer, continuous practice since 2000.
5 infrastructure services, 6 networks, 4 fintech, 1 ERP, 5 enterprise.
Dedicated IPv4 and IPv6 allocations. Bangladesh-sovereign routing.
N+1 power, cooling, network. No foreign cloud in the critical path.
What we do
Infrastructure regulated institutions can trust.
KaritKarma builds the identity, authorization, and compliance infrastructure that regulated institutions in Bangladesh and South Asia can deploy against the audits they actually face: Bangla QR, the Cyber Security Framework, BB Partner Network BRPD-2, and PDPO.
Over the last 26 years this team has shipped 22 production products across financial software, ERP, communications, networks, and enterprise media. The bet for 2026 and beyond is narrower: three platform products (Wenme for identity, Darwan for authorization, Aegis for anti-fraud and transaction protection) mapped clause by clause to the 19 Bangladesh Bank frameworks banks must comply with between 2026 and 2027.
The portfolio is the evidence; the compliance platform is the product.
Engineering continuity
The same principal engineer, since 2000.
For bank buyers, founder-engineer continuity is a credibility signal, not a humble-brag. The person who architected the original systems in 2000 is the same person who architects the compliance platform a bank would deploy today.
That matters when a regulator asks why a specific control was implemented a specific way, or when something breaks at 2 a.m. and the fix needs a decision, not a ticket triage.
What continuity buys you
- Every architectural decision in Wenme, Darwan, and Aegis has a traceable rationale, including the ones that look strange until you ask.
- Deployments at regulated institutions are led by the engineer accountable for the code, not a rotating bench of consultants.
- Security posture and regulatory mapping are maintained by the people who wrote the systems, not a separate compliance team reading the code from the outside.
The arc
SNIPro. KaritKarma. Platform.
Three entities, one engineering lineage.
- 2000
SNIPro founded
The first venture under the same principal engineer. SNIPro (Software, Network and Information Professionals) served enterprise customers with network integration and bespoke financial software out of Dhaka.
- 2010
KaritKarma registered
Registered as a sole proprietorship on 11 February 2010. The engineering continuity from SNIPro carried over intact; the entity changed, the architect did not.
- 2013
KaritKarma Limited incorporated
Incorporated as a limited company on 29 August 2013. Multi-product engineering began in earnest, covering ISP management, billing, and internal SaaS platforms for regulated customers.
- 2015
Own infrastructure, APNIC membership
Commissioned our own Tier-3 data center footprint in Bangladesh. Joined APNIC as a member with autonomous system number AS 64005 and dedicated IPv4 and IPv6 allocations. No foreign-cloud dependencies for regulated workloads.
- 2020
Platform architecture formalized
The shared primitives that had been re-implemented across customer projects (identity, authorization, payments, communications, storage) were consolidated into a platform. Wenme, Darwan, and the rest were extracted into independently deployable services.
- 2026
Compliance platform
Wenme, Darwan, and Aegis, mapped clause by clause to the 19 Bangladesh Bank regulatory frameworks banks and financial institutions must comply with between 2026 and 2027. 22 production products have shipped under this roof. The compliance platform is the one the firm is built around for the next decade.
Infrastructure footprint
Bangladesh-sovereign, by design.
Every regulated workload (identity, authorization, fraud control) runs on infrastructure we own and operate in Bangladesh. No foreign-cloud dependency in the critical path.
Dhaka headquarters
Planners' Tower, 13/1 Sonargaon Road, Dhaka 1000.
Tier-3 data center
Bangladesh-based Tier-3 facility. Dedicated cages, N+1 power and cooling.
APNIC AS 64005
APNIC member with our own autonomous system number and dedicated IPv4/IPv6 allocations.
Deployment envelope
Platform products deploy on-premises or in a dedicated tenant inside the customer's data center.
Consultancy arm
KaritKarma for platform. LoneSock for custom engineering.
KaritKarma Limited also operates LoneSock, the consultancy arm for custom engineering engagements outside the platform products. Clients engage LoneSock for bespoke builds; they engage KaritKarma for the platform.
Frequently asked
Buyer questions about KaritKarma.
The questions bank technology buyers and procurement teams ask before a first call.
- What is KaritKarma?
- KaritKarma Limited is a Bangladesh-based platform company headquartered in Dhaka. It builds identity, authorization, and compliance infrastructure that regulated institutions (banks, NBFIs, MFSPs, PSPs) in Bangladesh and South Asia can deploy against the audits they actually face: Bangla QR, the Bangladesh Bank Cyber Security Framework, BB Partner Network BRPD-2, and PDPO. The same principal engineer has led the work since 2000.
- How long has KaritKarma been building financial infrastructure?
- 26 years. The engineering practice began in 2000 as SNIPro (Software, Network and Information Professionals). KaritKarma was registered in 2010 and incorporated as KaritKarma Limited in 2013. The principal engineer who architected the original financial systems is the same person architecting the compliance platform institutions deploy today. Vendor staff turnover is one of the top recurring audit findings in the region, so continuity is treated as a buyer-side credibility signal.
- How many products has KaritKarma shipped?
- 22 production products across five groups: 5 platform infrastructure services (Wenme, Darwan, BitsPath, Professional Vault, Loom), 6 networks and marketplaces (Boooks, Kuhok, TripStream, Rating, QRID, Exit.bd), 4 fintech products (Aegis, FinBridge, Hold.bd, IntraPay), 1 ERP (BizRP), and 5 enterprise and media products (NewsForge, ISPChamp, ViewCasta, Sotto, Pressable). The compliance bet for 2026 narrows the public story to three of them: Wenme, Darwan, and Aegis.
- Where is KaritKarma headquartered and where does the infrastructure run?
- Headquartered at Planners' Tower, 13/1 Sonargaon Road, Dhaka 1000. Production workloads run from a Tier-3 data center facility inside Bangladesh. KaritKarma is an APNIC member operating autonomous system AS 64005 with dedicated IPv4 and IPv6 allocations, so identity, authorization, and fraud-control traffic never requires a foreign cloud hop.
- What is the relationship between KaritKarma and LoneSock?
- LoneSock is the consultancy arm. KaritKarma Limited builds and sells the platform products. LoneSock takes custom engineering engagements that sit outside the platform catalog. Clients can engage either or both; the commercial relationships are kept distinct.
- Does KaritKarma have public customer references?
- Active commercial engagements with tier-1 commercial banks in Bangladesh are under NDA, so case studies will be published only when contractually permitted. Named customers visible on the site (Deshal, Dot Internet, FRC Communication, Star Cineplex, Kichole) are businesses on the wider catalog, not the regulated institutions on the compliance side.
Next step
Book a technical briefing.
A 45-minute session with the engineer who will be responsible for your deployment. We map audit findings to specific platform controls before anyone signs anything.