Khepee Lending infrastructure
Coming soonYou hold the licence. Khepee holds the tech.
Khepee gives Nepal's licensed banks and financial institutions a complete digital lending stack, built to Nepal Rastra Bank's digital lending rules from the first line of code. No NRB application on your side, no capital from ours, and money moves only on your rails.
- Status
- Coming soon, onboarding partner institutions now
- Made for
- NRB-licensed banks, finance companies, microfinance and cooperatives
- Model
- Technology-service partnership. Khepee is not a lender
- Compliance
- Loan ceilings, the 36-month cap and the KYC gate enforced in code
- Borrowers
- iOS and Android app, in Nepali and English
Example loan application, 24 months. Pick a stage or let it play.
Origination
- Applied from the borrower app, in Nepali
- No duplicate application found
- Amount within the product's limit
Audit trail · append-only
- 01Application submitted by borrower
Who does what
The partnership works because each side brings what the other lacks.
- Your institution holds
- The NRB licence, the capital and balance sheet, credit policy and pricing, final approval authority, the payment rails and the regulatory relationship.
- Khepee holds
- The borrower app, officer console and admin panel, the KYC workflow and decision engine, servicing and collections, the audit trail and NRB extracts, plus engineering, hosting and named support.
One platform, four interfaces
Designed to work together, not stitched from point tools.
Borrower app
MobileiOS and Android, in Nepali or English. Apply, complete KYC, and follow status and EMIs.
Officer console
One ordered queue with the borrower's full context. 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 four independent layers: the schema, the service, the database and constants checked in CI. A rushed configuration can't produce a loan the rules don't allow.
Each institution runs on the same engine with its own isolated data, products and limits, and can export all of its data at any time.
Built for every NRB-licensed lender
- Banks & finance companies
- Class A, B and C institutions taking an existing lending book digital.
- Microfinance
- Class D institutions, for group and individual lending.
- Cooperatives
- Member-based lending, moved off paper files.
We're selecting launch partners now.
Bring your licence and your borrowers. Khepee brings the platform and starts with a controlled pilot.
