Image MIME Reference
BTIF
Bank Telecommunications Image Format
image/prs.btif
VS
JPEG XR (HD Photo)
image/vnd.ms-photo
JPEG-XR
A complete technical comparison of Bank Telecommunications Image Format and JPEG XR (HD Photo) — covering compression, feature support, browser compatibility, magic bytes, and when to choose each format.
Equal browser support
Feature Support
| Feature | BTIF | JPEG-XR |
|---|---|---|
| Transparency (Alpha) | ✕ No | Yes |
| Animation Support | ✕ No | ✕ No |
| Progressive Loading | ✕ No | Yes |
| HDR Support | ✕ No | Yes |
| EXIF Metadata | ✕ No | Yes |
| ICC Color Profile | ✕ No | Yes |
Bank Telecommunications Image Format
image/prs.btif
Extension
.btif.btf
Container
Proprietary Check Image Container
Compression
Lossy (JPEG-based) / Lossless (TIFF-based)
Algorithm
JPEGTIFF-variant
Color Depth
1-bit (B&W), 8-bit (Grayscale)
Developed by
NationsBank (Bank of America) / Ben Simon
Released
1998
Magic Bytes
Unknown (Proprietary container)
JPEG XR (HD Photo)
image/vnd.ms-photo
Extension
.jxr.wdp.hdp
Container
TIFF-like Image File Directory (IFD)
Compression
Lossy (Lapped Bi-orthogonal Transform) / Lossless
Algorithm
Lapped Bi-orthogonal Transform (LBT)
Color Depth
8-bit (Grayscale, RGB, CMYK), 16-bit, 32-bit Floating Point (HDR)
Developed by
Microsoft Corporation (later Joint Photographic Experts Group)
Released
2006
Magic Bytes
49 49 BC 01
Browser Support Comparison
| Browser | BTIF | JPEG-XR |
|---|---|---|
Chrome
|
✕ | ✕ |
Firefox
|
✕ | ✕ |
Safari
|
✕ | ✕ |
Edge
|
✕ | ✕ |
IE (Legacy)
|
✕ |
✓
|
BTIF
BTIF Strengths
- Allowed early digital archiving and web-based transmission of cleared bank checks
- Encapsulated both image data and ASCII transaction metadata in a single file
Limitations
- Completely proprietary and obsolete format
- Lacks native support in modern operating systems and image viewers
- Requires legacy plugins or specialized bio-format readers (like ImageC) to decode
JPEG-XR
JPEG-XR Strengths
- Excellent support for 16-bit and 32-bit floating-point HDR images without massive file size bloat
- Native support for alpha transparency, which standard JPEG fundamentally lacks
- Computational complexity for decoding/encoding is relatively low, making it hardware-friendly
Limitations
- Suffered a complete failure of adoption in the web browser market outside of Microsoft's ecosystem
- Fully superseded by modern, open formats like WebP, AVIF, and JPEG XL which offer better compression and universal browser support
- Multiple file extensions (.wdp, .hdp, .jxr) and MIME types cause confusion and parsing fragmentation
When to choose which format
BTIF
Use BTIF when…
- Bank Check Archiving (Legacy)
- Financial Transaction Records
JPEG-XR
Use JPEG-XR when…
- Legacy Windows Desktop Backgrounds
- XPS (XML Paper Specification) Documents
- Early High Dynamic Range (HDR) Photography
- DirectX Textures