Send payments in under 50 milliseconds via Raast, tap anywhere with Contactless NFC Cards, split group dining seamlessly, and automate daily recurring utility bills.
BATWA
Send payments instantly using mobile numbers or IBANs. Direct clearing via the State Bank Raast switch with zero transfer surcharge.
Generate virtual Visa cards instantly. Tap your phone on any point-of-sale terminal to pay wirelessly with hardware tokenization.
Memory-hard key derivation resistant to GPU brute-force. Bound directly to device hardware biometrics and local keystore enclave.
Ring-fence capital into dedicated vaults for specific goals. Enforce lock dates, auto round-ups, and disciplined milestones.
Split group dining and shared bills instantly. Friends receive prompt settlement reminders and can clear balances with one tap.
Never miss electricity, gas, internet, or school tuition deadlines. Configure standing orders with automatic digital receipts.
BATWA
Authorized signature • Not transferable • Issued by BATWA Financial Technologies under State Bank of Pakistan digital sandbox framework.
Eliminate bulky plastic wallets. Your Android smartphone functions as an encrypted payment card, accepted at contactless point-of-sale terminals across Pakistan and internationally.
Hosts build metadata, SHA-256 package checksum, and release notes deployed directly to high-availability HTTPS edge nodes.
The app polls the manifest on cold boot (<10ms non-blocking). If a higher build code exists, a clean in-app modal prompts the user to upgrade instantly.
Downloads the verified APK, validates cryptographic SHA-256 signatures, and patches the binary while preserving local biometric MPINs and active sessions.
Traditional banking applications in Pakistan are often sluggish, complex, burdened with hidden fees, and hindered by fragmented interfaces. As computer science university students, we asked ourselves a simple question:
"What if a digital wallet settled Raast transactions in under 50ms, offered simulated titanium NFC contactless payments, verified biometric MPINs with memory-hard Argon2id encryption, and updated itself without relying on app store delays?"
BATWA is our response to that challenge. While not an active commercial bank, it is a fully functioning technical realization of clean object-oriented domain modeling, high-concurrency ledgering, and intuitive user experience.
Developed under the academic supervision and guidance of our respected course faculty:
Guided the core Object-Oriented Programming (OOP) paradigms, polymorphic banking entities, and architectural design patterns.
Supervised hands-on laboratory engineering, live code implementations, and project evaluation benchmarks.
Spearheaded the core project concept, full-stack software architecture, Flutter cross-platform mobile client, and biometric Argon2id cryptographic security enclave.
Spearheaded financial ledger modeling, mathematical audit trails, transactional idempotency specifications, and digital currency flow compliance.
Architected high-throughput backend services, live OTA binary validation endpoints, system reliability, and database persistence layers.
Install the verified APK directly onto your device. Zero third-party trackers, cryptographic SHA-256 binary validation, and instant setup.
Continuously calculates risk scores on outgoing transactions before hitting the State Bank Raast switch. Autonomously cross-checks geo-velocity (impossible distance traveled between app sessions), device fingerprint variance, and unusual micro-drain spikes.
Eliminates friction by passively validating touch pressure distribution, micro-swipe angle curvature, and device gyroscope tremors. Assures physical human owner presence continuously throughout the session without irritating repetitive PIN re-prompts.
When runtime tampering, Frida memory hooks, root bypass, or credential stuffing attacks are detected, Gamma doesn't wait for human review. It autonomously auto-freezes virtual NFC cards, revokes rogue JWT sessions, and isolates the cryptographic vault in < 12ms.
All user MPINs are hashed with memory-hard Argon2id (m=64MB, t=3, p=4) inside Android Keystore. Dual-entry ledgering mathematically verifies every balance change against cryptographic hash chains with Idempotency-Key headers, guaranteeing 0% double-debiting.
