Wallets/khalti
Khalti
0 standards supported
Overview
Khalti is Nepal's leading digital wallet alongside eSewa, operated by Janaki Technology Pvt. Ltd. [1, 2, np-cro]. Launched January 2017, Khalti grew to 100,000 users within 12 months of launch.
2025 — Historic Khalti-IME Pay merger [3]: Nepal's first-ever digital wallet merger approved by Nepal Rastra Bank (NRB) — confirmed by Amit Agarwal, Director of Khalti Digital Wallet. Major Nepal-wallet-market consolidation event.
History
2007 — Janaki Technology founded [2].
2009 — Amit Agarwal joins Janaki Technology.
January 2017 — Khalti launches [1]: Nepal digital wallet from Janaki Technology.
Early 2018 — 100,000 users within 12 months [1].
2025 — Khalti-IME Pay merger approved by NRB [3]: Nepal's first-ever digital wallet merger.
Ownership & operator
Operating entity: Janaki Technology Pvt. Ltd. (Nepal tech company founded 2007).
Director/key executive: Amit Agarwal (Director, Khalti Digital Wallet).
2025 merger entity: Khalti + IME Pay — merged under NRB approval.
Regulator: Nepal Rastra Bank (NRB).
Technical integration
| Layer | Description |
|---|---|
| Channels | Khalti mobile app (iOS + Android) + Khalti merchant network |
| Identifiers | Phone + QR |
| Nepal QR rail | [[fonepay-qr]] (Nepal national QR) |
| Sub-products | P2P transfers + merchant payments + bill payment + recharge + utilities + IME Pay merger (2025) |
| License | NRB-licensed PSP |
Users & growth
Early 2018 baseline [1]: 100,000 users within first 12 months.
2025 NRB-approved merger [3]: Khalti + IME Pay combined entity — Nepal's first wallet merger.
Use cases
P2P transfers; merchant payments via Fonepay QR; bill payments + utilities; mobile top-ups; transport/online services payment.
Implementations & partners
Operator: Janaki Technology Pvt. Ltd.
Merger partner (2025): IME Pay (Global IME Bank-affiliated wallet) — Nepal's first wallet merger.
Major Nepal competitors: [[esewa]] (10M+ users; F1Soft Group; South Asia's first), [[fonepay]] (Nepal national QR), PrabhuPAY.
Regulator: Nepal Rastra Bank.
Fun facts
- January 2017 launch by Janaki Technology.
- 100,000 users within first 12 months of launch.
- 2025 Khalti-IME Pay merger — Nepal's first-ever digital wallet merger.
- NRB-approved merger confirmed by Khalti Director Amit Agarwal.
- Janaki Technology parent since 2007 (Khalti is its e-commerce/payment gateway product).
Comparison
| Feature | Khalti | [[esewa]] (NP #1) | [[fonepay]] (NP national QR) | IME Pay (NP merging partner) | PrabhuPAY (NP) |
|---|---|---|---|---|---|
| Operator | Janaki Technology Pvt. Ltd. | F1Soft Group | F1Soft sister | Global IME Bank affiliate | Prabhu Group |
| Type | NP digital wallet (merging IME Pay 2025) | NP pioneer wallet | NP national QR rail | NP wallet (merging Khalti 2025) | NP wallet |
| Country | Nepal | Nepal | Nepal | Nepal | Nepal |
| 2025 distinctive | NP's first-ever wallet merger (Khalti+IMEPay; NRB-approved) | South Asia's first digital wallet (2009); 10M+ users | NP national QR + UnionPay + UPI + Alipay+ | Merging with Khalti | Prabhu Bank affiliate |
Status
Active, Nepal's leading digital wallet (merger context) [1, 3]:
- Khalti (Janaki Technology) since January 2017.
- 2025 NRB-approved merger with IME Pay — Nepal's first wallet merger.
- NRB-licensed PSP.
Sources
- 1 Khalti — OnlineKhabar
- 2 Janaki Technology — official
- 3 Khalti+IMEPay merger — Nest Nepal
- 4 Khalti — official
- np-cro In-corpus:
reports/countries/NP-nepal.md
Source
Biography extracted from khalti.md. See matrix.md for standards-support matrix if present.