# Khalti

> Source: https://docs.barcoder.ai/docs/wallets/khalti
> research date 2026-05-29 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Khalti — official](https://khalti.com/)

## Overview

**Khalti** is **Nepal's leading digital wallet alongside eSewa**, operated by **Janaki Technology Pvt. Ltd.** <sup>[1][1], [2][2], [Nepal report](https://docs.barcoder.ai/docs/payments/NP)</sup>. Launched **January 2017**, Khalti grew to **100,000 users within 12 months** of launch.

**2025 — Historic Khalti-IME Pay merger** <sup>[3][3]</sup>: **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** <sup>[2][2]</sup>.

**2009 — Amit Agarwal joins Janaki Technology**.

**January 2017 — Khalti launches** <sup>[1][1]</sup>: Nepal digital wallet from Janaki Technology.

**Early 2018 — 100,000 users within 12 months** <sup>[1][1]</sup>.

**2025 — Khalti-IME Pay merger approved by NRB** <sup>[3][3]</sup>: 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](https://docs.barcoder.ai/docs/wallets/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** <sup>[1][1]</sup>: 100,000 users within first 12 months.

**2025 NRB-approved merger** <sup>[3][3]</sup>: 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](https://docs.barcoder.ai/docs/wallets/esewa)** (10M+ users; F1Soft Group; South Asia's first), **[Fonepay](https://docs.barcoder.ai/docs/wallets/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](https://docs.barcoder.ai/docs/wallets/esewa) (NP #1) | [Fonepay](https://docs.barcoder.ai/docs/wallets/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)** <sup>[1][1], [3][3]</sup>:
- **Khalti** (Janaki Technology) since January 2017.
- **2025 NRB-approved merger with IME Pay** — Nepal's first wallet merger.
- **NRB-licensed PSP**.

## Sources

[1]: https://english.onlinekhabar.com/khalti-digital-wallet-nepal.html "Khalti — OnlineKhabar"
[2]: https://www.janakitech.com/ "Janaki Technology — official"
[3]: https://nestnepal.com/blog/nepali-wallet-khalti-imepay-merger-nepal-2025/ "Khalti+IMEPay merger 2025 — Nest Nepal"
[4]: https://khalti.com/ "Khalti — official"
[np-cro]: https://docs.barcoder.ai/docs/payments/NP

- [1] [Khalti — OnlineKhabar][1]
- [2] [Janaki Technology — official][2]
- [3] [Khalti+IMEPay merger — Nest Nepal][3]
- [4] [Khalti — official][4]
- <sup>[Nepal report](https://docs.barcoder.ai/docs/payments/NP)</sup> In-corpus: `reports/countries/NP-nepal.md`

## Source

Biography extracted from [khalti.md](https://docs.barcoder.ai/source/wallets/khalti). See `matrix.md` for standards-support matrix if present.