One app for every Bangladeshi abroad.
Banking, family care & lifestyle – back home.
Dalazu connects expatriates across the MENA region (Saudi Arabia, UAE, Oman, Kuwait, Qatar, Bahrain and more) to Bangladesh 🇧🇩: a co-branded XYZ Bank Mastercard account, insurance, investments, instant loans, healthcare, grocery, bill payments, concierge and VIP services – all from one platform, and distributed through Middle East remittance fintechs via API.
Corridors
Oman → Bangladesh
Muscat · Salalah · Sohar · Nizwa · Sur
Currency: OMR → BDT
Large Bangladeshi workforce in construction, retail, hospitality, domestic and services sectors.
Saudi Arabia → Bangladesh
Riyadh · Jeddah · Dammam · Makkah · Madinah · Al Khobar
Currency: SAR → BDT
One of the largest remittance corridors into Bangladesh; Hajj/Umrah and family-visit demand adds travel services.
Beneficiary side
Dhaka · Chattogram · Sylhet · Cumilla · Rajshahi · Khulna
Families receive money, medicine, groceries, healthcare escort and savings products.
Dalazu across MENA & APAC
🌍 MENA: Dalazu connects Bangladeshi expatriates
Countries with a Bangladeshi workforce
| Country | Key hubs | Currency |
|---|---|---|
| 🇸🇦 Saudi Arabia | Riyadh, Jeddah, Dammam, Makkah | SAR |
| 🇦🇪 UAE | Dubai, Abu Dhabi, Sharjah | AED |
| 🇴🇲 Oman | Muscat, Salalah, Sohar | OMR |
| 🇰🇼 Kuwait | Kuwait City, Hawalli, Farwaniya | KWD |
| 🇶🇦 Qatar | Doha, Al Wakrah | QAR |
| 🇧🇭 Bahrain | Manama, Muharraq | BHD |
| 🇯🇴 Jordan | Amman, Zarqa | JOD |
| 🇮🇶 Iraq | Baghdad, Erbil | IQD |
| 🇱🇧 Lebanon | Beirut | LBP |
| 🇱🇾 Libya | Tripoli, Benghazi | LYD |
🌏 APAC: Bangladeshi workers, students and families
| Country | Key hubs | Currency |
|---|---|---|
| 🇲🇾 Malaysia | Kuala Lumpur, Penang, Johor | MYR |
| 🇸🇬 Singapore | Singapore | SGD |
| 🇧🇳 Brunei | Bandar Seri Begawan | BND |
| 🇲🇻 Maldives | Malé | MVR |
| 🇯🇵 Japan | Tokyo, Saitama | JPY |
| 🇰🇷 South Korea | Seoul, Ansan | KRW |
| 🇭🇰 Hong Kong | Hong Kong | HKD |
| 🇹🇼 Taiwan | Taipei | TWD |
| 🇦🇺 Australia | Sydney, Melbourne | AUD |
| 🇳🇿 New Zealand | Auckland | NZD |
Bangladesh 🇧🇩 is the home market and payout side for every corridor.
Eight service pillars
1. Banking & cards
Remote account opening, co-branded Mastercard, instant remit.
2. Credit
Remit Now Pay Later, instant medical & personal loans.
3. Invest & insure
DPS, FDR, bonds, offshore banking, Pragati Insurance.
4. Healthcare
Tele-consult, medicine delivery, hospital escort, medical loan.
5. Daily life
Shwapno grocery, all bill payments, gifts.
6. Concierge & VIP
Airport meet & greet, pick & drop, errands, family care.
7. Rewards
Discounts at hospitals, restaurants, hotels, resorts, malls, brands.
8. Partner API
Middle East fintechs embed Dalazu and earn revenue share.
Partner names shown are illustrative targets for the plan; confirm agreements and use official brand assets before publishing externally.
Financial services first
Dalazu × XYZ Bank co-branded Mastercard
VALID 11/30
Dalazu Black – everyday debit
PLATINUM
Dalazu Red VIP – lounge, concierge, priority
Placeholder marks. Replace with official Dalazu, XYZ Bank and Mastercard brand files per Mastercard brand rules before printing.
Card benefits
Tap-to-pay, online & ATM use in Bangladesh · Instant freeze/unfreeze · Virtual card · Family add-on card for spouse/parents · Cashback at partners
Account types
Dalazu Savings (BDT) · Wage-earner (NRB) account · Family wallet · Investment-linked account
Remote account opening (from Oman / Saudi)
Credit & investment products
Remit Now Pay Later
Send money to family today; repay from next salary in 7–30 days. Limit based on employer, tenure & remittance history.
Instant medical loan
Paid directly to partner hospital for family emergency. Decision in minutes.
Instant personal loan
Pre-approved offers; disbursed to Dalazu account; repay from the Gulf.
DPS / FDR
Monthly DPS or lump-sum FDR via XYZ Bank.
Bonds & insurance savings
Government and corporate bonds; Pragati Insurance life & savings plans.
Offshore banking
Foreign-currency account and offshore products via partner bank, subject to regulation.
Everything connected: the Dalazu ecosystem
🏥 Healthcare for family
Tele-consultation
Video call a Bangladeshi doctor from Muscat or Riyadh at Gulf-friendly hours; e-prescription saved in app.
Medicine delivery
Order prescribed medicine for mother, father, wife or children; delivered at home in Bangladesh.
Hospital escort
Dalazu executive picks up parents, handles registration, tests, doctor visit, pharmacy and drops them home; live updates to the expat.
Medical loan + discounts
Instant loan and member discounts at partner hospitals (e.g. Square, United, Evercare, Labaid – targets).
🛒 Daily life & bills
Shwapno grocery
Monthly grocery basket for family; Eid and Ramadan packs; scheduled delivery.
Bill payments
Electricity (DESCO, DPDC, REB), gas (Titas), WASA, internet, mobile top-up (Grameenphone, Robi, Banglalink), school fees, rent, credit card bills.
Insurance
Pragati Insurance: life, health, family protection; premiums paid in one tap.
🛎️ Concierge & VIP
Airport meet & greet
Fast-track at Dhaka, Chattogram and Sylhet airports; porter, SIM, cash, transport.
Pick & drop
Chauffeur at home country (Bangladesh) and arrangement in work country (Oman / Saudi).
Errand person
Land office, utility, bank, school or document errands handled and verified with photos.
Umrah / family visit
Pick-up and hotel assistance for relatives visiting Saudi.
🎁 Member rewards in Bangladesh
| Category | Example partners (targets) | Benefit |
|---|---|---|
| Hospitals | Square, United, Evercare, Labaid, Popular | Discount on consult, tests, packages |
| Restaurants | Pizza Hut, Kacchi Bhai, Madchef, Gloria Jean’s | 10–20% off |
| Hotels & resorts | Pan Pacific Sonargaon, Radisson, Cox’s Bazar & Sylhet resorts | Member rates, upgrades |
| Malls & brands | Bashundhara City, Jamuna Future Park, Aarong, Yellow, Bata, Apex | Cashback & vouchers |
| Travel | Biman, US-Bangla, Novoair, Shohoz | Fare offers, lounge |
App prototype
Illustrative mobile screens for the expat user.
Remit
Doctor
Grocery
Bills
Concierge
Invest
Live status: “Reached hospital · Token 14”
Delivered to bank, bKash or Nagad within minutes.
Process flow charts
1. End-to-end: XYZ Bank + Mastercard
2. Middle East fintech partner flow
Exchange houses and remittance apps in Oman and Saudi with Bangladeshi users.
3. Bangladesh partner flow
Pragati Insurance, Shwapno, hospitals, pharmacies, hotels, concierge vendors.
Business model & roadmap
Revenue
Interchange on card · FX margin · loan interest & fees · insurance & investment commissions · concierge fees · partner commissions · API fees
Who benefits
Expats: trusted home-country services.
Families: care and convenience.
Fintechs: new revenue per user.
Bangladesh brands: NRB customers.
XYZ Bank: deposits & retail growth.
Roadmap
Phase 1Account, card, remit, bills
Phase 2Healthcare, grocery, insurance
Phase 3Credit, investments, concierge
Phase 4Fintech API scale, offshore
Key risks & controls
Central bank & Gulf regulator approvals, AML/KYC, data protection, credit risk on Remit Now Pay Later, partner service quality, and FX volatility. Each needs a named owner and control in the final plan.