bKash-only P2P wallet network

Link your bKash wallet once, and let partner sites move money through our verified pool. Real-time balances, per-site commissions, and full audit trails — all server-rendered, all JSON, no database required.

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✅ Session-based bKash add-wallet with OTP paste flow
✅ AES-GCM encrypted session blobs at rest
✅ HMAC-signed partner API (deposit / withdraw / payout)
✅ Computed ledger — balances never drift

What it does

Partner Withdraw

Send from a pool wallet to a customer; credit the owner's ledger.

Partner Deposit

Receive into a pool wallet; debit the owner's ledger.

User Payout

Cash out internal balance to your own bKash, small flat fee.

Full Audit Trail

Every login, wallet add, OTP submit, and txn is appended to JSONL.

MOCK MODE is on. The full add-wallet → OTP → send-money flow runs without hitting real bKash. Add credentials in .env and set MOCK_MODE=false only under a signed merchant agreement.