SBP-Compliant. Ready to Launch.
Karsaaz Solutions designs and develops secure, scalable fintech platforms for regulated environments. Our approach combines structured system architecture, integration-ready engineering, and governance-aware delivery to support reliable digital financial operations. We operate strictly as a technology development partner and do not provide financial services.
- SBP L0, L1, and L2 wallet tiers fully supported
- P2P and P2M instant transfers ready
- QR-code payments via EMVCo standards
- Bank and card top-up integrations built in
- End-to-end encryption and two-factor authentication
- AML and CTF compliance workflows included
Key Features
SBP Wallet Tier Compliance
Full alignment with SBP L0, L1, and L2 wallet tier requirements for fintech and EMI operators.
Multi-Currency Support
PKR and international currency management with real-time exchange rate handling.
P2P and P2M Instant Transfers
Real-time person-to-person and person-to-merchant transfers across Pakistan's banking network.
QR-Code Payments
EMVCo-compliant QR-code payment acceptance for merchants and retailers.
Bank and Card Top-Ups
Wallet funding via bank account transfers and debit or credit card top-ups.
Bill Payments
Utility bill payments, mobile top-ups, and government payments from within the wallet.
International Remittance
Cross-border remittance rails for international fund transfers to and from Pakistan.
End-to-End Encryption
AES-256 at rest and TLS 1.3 in transit protecting all transactions and user data.
AML and CTF Controls
Automated AML and CTF compliance workflows aligned with SBP requirements, embedded from day one.
Achieve Measurable Results
Faster Transactions
Real-time transfers keep money moving instantly for customers and merchants.
SBP Compliance from Day One
Wallet tier alignment and AML controls are built in, not added later.
Stronger Security
Encryption and two-factor authentication protect every transaction and account.
Multi-Channel Payments
QR, bank transfer, card top-up, and bill payment from a single platform.
Better Customer Engagement
Fast onboarding, real-time balance visibility, and intuitive transfers drive higher usage.
Scalable Infrastructure
The platform scales with your user base without compromising speed or security.
Why Choose Karsaaz Solutions
Karsaaz Solutions designs and develops secure, scalable fintech platforms for regulated environments. Our approach combines structured system architecture, integration-ready engineering, and compliance-aware delivery. ● SBP L0, L1, and L2 tiers suppor...
Get a QuoteSBP Tier Architecture Ready
L0, L1, and L2 wallet structures are pre-built. You configure product limits and rules. The compliance framework is already there.
AML Built into the Core
AML and CTF screening workflows are part of the platform from day one, not a third-party add-on managed separately.
Fast Onboarding Flows
Digital KYC, biometric verification, and NADRA integration mean customers can be onboarded in minutes.
Remittance Rails Included
International remittance connectivity is available from the start for operators offering cross-border transfers.
White-Label Ready
The wallet platform can be fully branded to your product identity with custom UI and notification templates.
How We Deploy Your Wallet Platform
Understanding your wallet tier, user flows, and regulatory expectations.
Structuring wallet tiers, transfer flows, QR payment, and banking integrations.
Building bank, card network, and third-party service integrations.
Building wallet modules, transfer workflows, bill payment, and compliance controls.
Validating transfers, top-ups, QR payments, and compliance workflows.
Launching your platform with monitoring and continuous improvement.
How We Deploy Your Wallet Platform
Step 1 Discovery and SBP Requirements
Understanding your wallet tier, user flows, and regulatory expectations.
Step 2 Architecture and Integration Design
Structuring wallet tiers, transfer flows, QR payment, and banking integrations.
Step 3 Integration Build
Building bank, card network, and third-party service integrations.
Step 4 Platform Development
Building wallet modules, transfer workflows, bill payment, and compliance controls.
Step 5 Testing and Validation
Validating transfers, top-ups, QR payments, and compliance workflows.
Step 6 Deployment and Optimisation
Launching your platform with monitoring and continuous improvement.
Contact Us
Timeline depends on your SBP tier requirements and integration complexity. Our structured process takes you from discovery to live deployment in a controlled way.
Yes. All three SBP wallet tier structures are pre-built. You configure limits and rules for your specific product.
Yes. AML and CTF screening workflows aligned with SBP requirements are embedded in the platform from day one.
Yes. Cross-border remittance rails are available for international transfers to and from Pakistan.
Yes. The platform supports full branding including custom UI, notification templates, and onboarding flows.
Bank account transfers and debit or credit card top-ups are both supported.
P1 incidents are disclosed within 24 hours via the status page. Detailed post-mortems are shared with affected clients within 5 business days.
EU-corridor support is available on request. A DPA with Standard Contractual Clauses is provided on engagement.
The customer. Evidence packs are exported at each milestone for client retention.
