Wallets/khalti
Khalti
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Overview
Khalti is Nepal's leading digital wallet alongside eSewa, operated by Janaki Technology Pvt. Ltd. 1, 2, Nepal report. 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 (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
- Nepal report In-corpus:
reports/countries/NP-nepal.md
Source
Biography extracted from khalti.md. See matrix.md for standards-support matrix if present.