Category A – Partially Offline Payment Solutions (One-Sided Connectivity)

Karandaaz seeks proposals that address the challenge of digital payments in situations where either the payer or the payee lacks active network connectivity at the time of the transaction. This category focuses on enabling reliable, secure payment experiences in semi-connected environments, such as urban basements, congested marketplaces, or rural outskirts where one party may be offline. Proposals should explore innovative mechanisms that allow transactions to be initiated and completed despite temporary disconnection on one side. Applicants must demonstrate how their approach maintains transactional
integrity, allows for reconciliation once connectivity is restored, and fits within the broader ecosystem of Raast-enabled payments. Proposed models must adhere to regulatory standards, ensure data security, and offer practical viability for deployment at scale.

Category B – Fully Offline Payment Solutions (Dual Disconnection)

This category invites proposals aimed at overcoming the limitations of digital payments in completely offline scenarios, where both the payer and the payee are simultaneously disconnected from the network. Such conditions are common in geographically isolated regions, during natural disasters, or within deeply embedded structures lacking signal reception. Karandaaz is looking for approaches that rethink how trust, authentication, and payment confirmation can be managed without relying on real-time connectivity. Solutions must demonstrate feasibility within the existing financial infrastructure and highlight how synchronization, validation, and record-keeping can be ensured once either party regains network access. Proposals should clearly articulate their sustainability, compliance with regulatory frameworks, and their potential to expand the reach of Raast Digital Payments to the most underserved and infrastructure-deficient parts of the country.