A. LotusPay / Lotus Paisa
Mobile App & Dual QR Switch
- Native Android & iOS experience
- P2P, interbanking and outerbanking flows
- Utility settlement and mobile top-ups
- Nepal QR, Local Bank QR and Fonepay compatibility
Online CBS APIOffline USSD
FINTECH • TELECOM • DIGITAL NEPAL
Driving Financial Inclusion Across Nepal — Online & Zero-Data Offline
Powering seamless mobile banking, Core Banking System (CBS) automation, and hybrid QR payments over NTC and Ncell telecom signaling networks.
Your Trusted Fintech
Infrastructure Partner
Infrastructure Partner
About Lotus IT Solution Pvt. Ltd.
Lotus IT Solution Pvt. Ltd., headquartered in Kathmandu, Nepal, is a fintech infrastructure provider focused on payment gateways, USSD telecom infrastructure and digital financial access.
Lotus IT operates with a dedicated management structure and technology alliance with Wings Solutions, focusing on mission-critical payment and telecom technology.
Our Mission
Bridge the digital divide by enabling people across Nepal—including unbanked and rural users without internet connectivity—to access secure financial services.
Bridge the digital divide by enabling people across Nepal—including unbanked and rural users without internet connectivity—to access secure financial services.
Core Product & Technical Stack
A modular ecosystem designed to connect smartphones, feature phones, QR merchants, telecom signaling and banking systems.
B. Wings .NET 8 / .NET 9
USSD Gateway Engine
- C# .NET high-concurrency architecture
- System.IO.Pipelines & Span<T>
- SS7 / SIGTRAN telecom protocol conversion
- REST, gRPC and SMPP integration
- Shortcode: *31070#
NTCNcell99.99% SLA*
C. Core Banking System
CBS Middleware & Auto-Registration
- Clean Architecture strategy engine
- Real-time balance and mini statement services
- Fund transfer workflows
- Mobile, bank account and name validation
- Automated PIN issuance via SMS
D. Maker-Checker Governance
Dual-Authorization Security
- Four-eyes principle for high-value transactions
- Redis Cluster and Oracle DB workflow
- USSD Admin Menu: *31070*99#
- Blazor Management Console approvals
*Service availability, network coverage, regulatory status and SLA figures should be confirmed against the applicable production agreements before publication.
Technology Architecture
Built around a bridge between telecom signaling, web-native services and Core Banking Systems.
USSD & Telecom Gateway
Telecom traffic can be transformed into application services for banking and payment workflows.
NTC / Ncell
↓
SS7 / SIGTRAN (SCTP)
↓
MAP / TCAP
↓
.NET USSD Gateway
↓
REST / gRPC / SMPP
↓
Payment & CBS Services
↓
SS7 / SIGTRAN (SCTP)
↓
MAP / TCAP
↓
.NET USSD Gateway
↓
REST / gRPC / SMPP
↓
Payment & CBS Services
Dual QR Payment Flow
Online users can follow direct bank payment APIs; zero-data users can initiate a USSD transaction from a QR-generated command.
Merchant QR
↓
LotusPay QR Switch
├── Online → CBS API → Bank Ledger
└── Offline → *31070*ID*AMOUNT#
↓
Telecom Signaling
↓
LotusPay QR Switch
├── Online → CBS API → Bank Ledger
└── Offline → *31070*ID*AMOUNT#
↓
Telecom Signaling
Banking & Telecom Ecosystem
Designed for interoperability across telecom networks, banks and payment frameworks.
📡
Telecom Network Partners
Nepal Telecom (NTC) & Ncell
🏦
Commercial Bank Partners
Laxmi Sunrise Bank Ltd. & Class 'A' Commercial Banks
▣
Payment Frameworks
Khalti • Nepal QR • Fonepay • NRB compliance guidelines
Corporate Governance & Leadership
Local management and technology alliance leadership supporting the Lotus IT platform.
CEO
Chief Executive Officer
Position Vacant — Coming Soon
LM
Dr. Lingthep M.P.
International Technology Representative — Wings Solutions
✓
Regulatory Compliance
Data localization, security and applicable NRB standards
Build the next financial access layer for Nepal.
Talk to Lotus IT Solution about banking integration, merchant payments, USSD infrastructure and zero-data payment technology.