Money moves. Engineering matches.
Direct payment gateway integration, bank-custodial escrow, sub-50ms fraud detection, sovereign payment switch design. From bKash to central-bank infrastructure.
What is the LoneSock fintech service?
A payments and financial-infrastructure engineering practice. Coverage includes direct payment gateway integration on the client's own merchant accounts, bank-custodial escrow through Hold.bd, anti-fraud transaction protection through Aegis, and sovereign payment-switch work through IntraPay.
Each engagement ships as a standalone codebase tailored to the client's regulatory posture, bank partnerships, and operational geography. KaritKarma products (Hold.bd, Aegis, IntraPay) are presented as platform options when they fit.
Four capability blocks across the money stack.
Payment gateway integration
Direct integration with SSLCommerz, bKash PGW, Nagad, City Bank E-Commerce, Stripe, and PayPal on the client's own merchant accounts. Smart routing and retry logic.
Direct merchant integrationBank-custodial escrow
Hold.bd is built on a Bangladesh tier-1 commercial bank partnership. KYC tiers, dispute resolution, and four operational portals. Funds settle inside the partner bank.
Tier-1 BD bank custodial partnerFraud detection
Aegis is a three-layer cascade (rules, statistical, ML) with sub-50 ms scoring latency. Behavioural analytics, device fingerprinting, anomaly detection.
Sub-50ms scoring latencySovereign payment network
IntraPay is a pure-Rust ISO 20022 payment switch designed for central-bank and regulator-scale infrastructure. Regulator-pending in Bangladesh.
ISO 20022 switch protocol
LoneSock against going direct to a bank and in-house build.
| Dimension | LoneSock | Direct to bank | In-house build |
|---|---|---|---|
| Bangladesh PG integration | Direct, multi-provider, smart routing | Single PG, no failover | Months per PG |
| Bank-custodial escrow | Hold.bd, partner bank | Not offered | Bank partnership required |
| Fraud detection latency | Sub-50ms (Aegis) | Provider default | Depends on stack |
| Source code ownership | Standard | Not applicable | Built-in |
- Bangladesh PG integration
- LoneSockDirect, multi-provider, smart routingDirect to bankSingle PG, no failoverIn-house buildMonths per PG
- Bank-custodial escrow
- LoneSockHold.bd, partner bankDirect to bankNot offeredIn-house buildBank partnership required
- Fraud detection latency
- LoneSockSub-50ms (Aegis)Direct to bankProvider defaultIn-house buildDepends on stack
- Source code ownership
- LoneSockStandardDirect to bankNot applicableIn-house buildBuilt-in
Frequently asked.
What is the LoneSock fintech service?
It is a payments and financial-infrastructure engineering practice. Coverage includes direct payment gateway integration (SSLCommerz, bKash PGW, Nagad, Stripe), bank-custodial escrow through Hold.bd, anti-fraud transaction protection through Aegis, and sovereign payment-switch design through IntraPay. Engagements are standalone codebases owned by the client.
Which payment gateways do you integrate directly?
SSLCommerz, bKash PGW, Nagad, and City Bank E-Commerce for Bangladesh. Stripe and PayPal for international. We integrate against the client's own merchant accounts so the cash settles to the client, not to a middleman.
Do you offer a real bank-custodial escrow service?
Yes. Hold.bd is a bank-custodial escrow platform built on a Bangladesh commercial-bank partnership. KYC tiers, dispute resolution, and four operational portals (buyer, seller, agent, admin) are part of the platform. Funds sit in the partner bank, not in a fintech float account.
Can you build ML fraud detection for our MFS or bank?
Yes. Aegis is the anti-fraud transaction protection platform built on a three-layer cascade (rules, statistical, ML) with sub-50 millisecond scoring latency. Behavioural analytics, device fingerprinting, anomaly detection. Live at aegis.karitkarma.com and deployable on-premise for regulated environments.
What is a sovereign payment network?
A central-bank or regulator-grade payment switch. IntraPay is the pure-Rust ISO 20022 switch designed for national-scale sovereign payment infrastructure. Currently regulator-pending in Bangladesh. The kind of system a regulator would operate, not a commercial aggregator.
How does this compare to working with Stripe Atlas or going direct to a bank?
Stripe Atlas is great for US-incorporated SaaS taking US-card payments. Going direct to a Bangladesh acquiring bank is great if you have a payments team to build and operate the integration. LoneSock is the right fit when you need integration engineering, escrow, fraud detection, and the ability to swap providers without a rewrite.
Building a financial system?
From payment integration to sovereign infrastructure. Tell us the regulatory posture, the bank relationships, the volumes.
- Principal
- Lutfar Rahman (Nirjhar), CEO
- [email protected]
- Office
- 13/1 Sonargaon Road, Planners Tower L19-S5, Dhaka 1000, Bangladesh