Lacspace
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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.
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.
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 borrower's app, your officers' console, the decision engine and the audit trail — designed to work together, not stitched from point tools.
Progressive mobile application intake with resume, live limits and duplicate detection.
Document capture and liveness — every decision carries a reviewer and, on rejection, a reason.
A rule-based scorecard produces a recommendation; a human makes the decision.
Orchestrated on your rails with idempotency keys. Money never leaves your control.
EMI schedules in integer paisa, overdue detection, reminders by SMS and push.
Portfolio views and NRB extracts from the same append-only audit trail.
Expo React Native on iOS & Android. Apply, complete KYC, track status and EMI — in Nepali or English.
One ordered queue, complete borrower context, and approve or reject with a reason that lands in the audit trail.
Loan products, limits, staff roles, branding and reports — configured without a release cycle.
The system of record, with a documented, versioned contract for integration and webhooks.
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.
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.
TypeScript end-to-end, so contracts and NRB constants are shared and validated in CI.
From a single-branch cooperative to a national bank — the platform stretches as you add products, limits and branches.
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.