Lending infrastructure
for Nepal.
Khepee gives licensed banks and financial institutions a complete digital lending stack — origination, KYC, decisioning, servicing and reporting. You hold the licence. Khepee holds the tech.
Every state change is written to an append-only audit trail.
Nepal has licensed lenders. It lacks the software to lend digitally.
Banks, finance companies, microfinance institutions and cooperatives across Nepal are licensed to lend — but most still run on paper, taking weeks to move a loan that should take minutes. Khepee closes that gap with a modern lending platform your borrowers apply to from a phone, and your officers run from one console.
You hold the licence. Khepee holds the tech.
A clean split of responsibility, structured as a technology-service arrangement — no NRB application from your side, no capital from ours, and money never leaves your control.
The BFI provides
- The NRB licence, capital and balance sheet
- Credit policy, pricing and risk appetite
- Final loan approval authority
- Payment rails and fund custody
- The regulatory relationship
Khepee provides
- Borrower app, officer console and admin panel
- KYC workflow and the decisioning engine
- Servicing, collections and reminders
- Audit trail and NRB reporting extracts
- Engineering, hosting and named support
The whole lending lifecycle, as one system
The borrower's app, your officers' console, the decision engine and the audit trail — designed to work together, not stitched from point tools.
Origination
Progressive mobile application intake with resume, live limits and duplicate detection.
Digital KYC
Document capture and liveness — every decision carries a reviewer and, on rejection, a reason.
Credit decisioning
A rule-based scorecard produces a recommendation; a human makes the decision.
Disbursement
Orchestrated on your rails with idempotency keys. Money never leaves your control.
Servicing & collections
EMI schedules in integer paisa, overdue detection, reminders by SMS and push.
Reporting
Portfolio views and NRB extracts from the same append-only audit trail.
One platform, four interfaces
Borrower app
Expo React Native on iOS & Android. Apply, complete KYC, track status and EMI — in Nepali or English.
Officer console
One ordered queue, complete borrower context, and approve or reject with a reason that lands in the audit trail.
Admin panel
Loan products, limits, staff roles, branding and reports — configured without a release cycle.
Open API
The system of record, with a documented, versioned contract for integration and webhooks.
Compliance in code, not a policy PDF
NRB loan ceilings, the 36-month tenure cap and the KYC gate are enforced in the software at four independent layers — schema, service, database and CI constants — so a rushed configuration can't produce a non-compliant loan. Every read and change is written to an append-only, examiner-ready audit trail.
Multi-tenant, and it was built that way from Module 1
One platform serves many institutions with completely isolated data. Queries are pinned to your tenant by token, not a request parameter — and a cross-tenant lookup returns “not found”, never “forbidden,” so nothing even leaks that another record exists.
Built on one coherent stack
TypeScript end-to-end, so contracts and NRB constants are shared and validated in CI.
Built for every NRB-licensed lender
From a single-branch cooperative to a national bank — the platform stretches as you add products, limits and branches.
- Commercial & Development Banks (A, B)
- Finance Companies (C)
- Microfinance (D)
- Cooperatives
Be the institution that launches first.
Bring your licence and your borrowers. We bring the platform — and go live with a controlled pilot in months, not years.
Khepee is a product of Lacspace · built for Nepal · Khepee is a technology provider, not a lender.