USSD Bridge v1.0

The "Offline" Banking Protocol

Scenario: 4G is down in Belbari. Use the GSM Fallback to transfer funds up to Rs. 5,000 (NRB Limit).

1. Signal Simulation

4G LTE (Online)

GSM (Offline)

2. Select Provider

Namaste Pay (Offline)

Direct USSD Menu

*500#

Telecom Transfer

Balance Share

*422#

eSewa / Khalti

SMS Mode (Encrypted)

32121

4G 100%

SmartBanking App

Connected via 4G

The 2026 Cheat Sheet

Save these codes for when the network goes down.

Safety Tip: USSD does not save transaction history on your phone. Always wait for the final SMS confirmation ID.