Programme II

NRB Digital Investment Platform
(NDIP)

A Bangladesh Bank-supervised digital platform connecting 15 million Non-Resident Bangladeshis directly to national infrastructure investment — converting Bangladesh from a remittance economy into an investment economy.

15M+
Non-Resident Bangladeshis Globally
USD 30B
Annual NRB Remittances
0
Regulated Digital Investment Channels Currently Available
100%
Digital — iOS, Android & Web Portal
The Opportunity

The Rails Don't Yet Exist. We Propose to Build Them.

More than 15 million Non-Resident Bangladeshis send USD 30 billion home every year — making Bangladesh one of the world's top remittance-receiving nations. Yet today, almost all of that capital funds household consumption rather than national infrastructure.

No regulated digital financial channel presently connects this diaspora to NRB investment instruments. The NRBs worldwide are interested to invest in Bangladesh's future. The infrastructure to allow them to do so simply does not exist.

A single well-structured decision today creates the platform through which global Bangladeshis can fund the nation's future for a generation.

Person using a mobile banking app — representing the digital investment experience NDIP will deliver
USD 30B
Annual NRB remittances
0
Regulated digital channels today
USD 1.5B
First BIRD Sukuk target
Platform Features

How the NRB Digital Platform Works

A fully digital, regulated, and accessible investment experience for the global Bangladeshi community

🌐

Global Digital e-KYC

Open an investment account from anywhere in the world — London, New York, Dubai, Sydney — within minutes, through a fully digital know-your-customer onboarding process.

💸

Cross-Border Capital Flows

Seamless, low-cost, fully compliant cross-border payments and direct NRB investment into BIRD Sukuk and future government-approved instruments — without friction or intermediary barriers.

📱

iOS, Android & Web

A fully digital investment experience across iOS, Android and a secure web portal — accessible on every device, designed for the global Bangladeshi diaspora.

🏦

Bangladesh Bank Supervised

The platform operates under full Bangladesh Bank supervision with complete transparency and regulatory oversight — providing investor confidence and institutional credibility.

🔒

Full Compliance

Built to international AML, KYC, and cross-border payment compliance standards. Every transaction transparent, every investor verified, every capital flow reported and regulated.

📊

Strengthen FX Reserves

NDIP strengthens Bangladesh's foreign currency reserves and reduces dependence on external borrowing by channelling diaspora capital directly into domestic infrastructure.

Investment Instrument

NRB Equity Sukuk — A New Asset Class for the Diaspora

The BIRD Sukuk will be the first investment instrument offered through the NRB Digital Platform. It represents a new regulated asset class specifically designed for Non-Resident Bangladeshis — an equity stake in Bangladesh's national infrastructure, structured as a Shariah-compliant Sukuk instrument.

This is not a donation or remittance. It is a regulated investment, offering NRBs a return tied to the performance of real national infrastructure — and the knowledge that their capital is building the Bangladesh they want to see.

BIRD Sukuk will be the first issuance, not the last. The same platform infrastructure can support future government-approved instruments across water, renewable energy, smart cities, logistics corridors, and climate resilience.

Why Sukuk?

  • ✓ Shariah-compliantStructured as an equity participation instrument, suitable for the global Muslim community among Bangladesh's diaspora
  • ✓ Asset-backedBacked by real infrastructure assets — treatment facilities, pipeline network, riverfront development
  • ✓ Zero sovereign debtEquity instrument means no government liability — investors bear the risk, not taxpayers
  • ✓ ScalableThe Sukuk structure can be replicated across every future BTN BD infrastructure programme
  • ✓ Performance-linked returnsInvestor returns tied to programme revenue streams — aligning interests between investors and infrastructure performance
Strategic Vision

From Remittance Economy to Investment Economy

NDIP is a multi-phase platform with ambitions far beyond BIRD

Phase 1

Platform Launch & BIRD Sukuk

Launch of the NDIP platform under Bangladesh Bank supervision. First issuance: BIRD Sukuk raising USD 1.5 billion from the global Bangladeshi diaspora for river restoration infrastructure.

Phase 2

Infrastructure Pipeline Expansion

Expansion of the platform to include additional government-approved infrastructure instruments — renewable energy, smart city development, and logistics corridor projects.

Phase 3

Digital Financial Ecosystem

A full digital financial ecosystem connecting the Bangladeshi diaspora to their homeland's economy — strengthening FX reserves, reducing external borrowing dependence, and creating a lasting institutional legacy.

Policy Alignment

Advancing Bangladesh's Digital Economy Agenda

Digital Economy

Expanding Global Connectivity

NDIP introduces international payment infrastructure, cross-border capital flows and a new regulated asset class for diaspora investment — directly advancing the government's digital economy expansion commitment.

Investment Economy

Trillion-Dollar Vision

NDIP channels diaspora capital into national infrastructure at scale, reducing dependence on external debt and multilateral borrowing — advancing the trillion-dollar investment-driven economy commitment.

FX Reserves

Strengthening Bangladesh Bank

By routing NRB investment through regulated digital channels supervised by Bangladesh Bank, NDIP strengthens foreign currency reserves and reduces dependence on external borrowing.

Diaspora

Giving 15M NRBs a Role

For the first time, Non-Resident Bangladeshis worldwide will have a regulated, accessible channel to invest directly in their homeland's infrastructure — not just send remittances home.

Are You an NRB Interested in Investing?

Whether you are a Non-Resident Bangladeshi interested in the BIRD Sukuk, a financial institution, or a government partner — we welcome your enquiry.

Contact BTN BD Explore BIRD Programme →