Technology Service Provider · Nepal
Lending infrastructure for Nepal
Khepee gives licensed banks and financial institutions a complete digital lending stack — borrower app, officer console, decision engine and audit trail — engineered to Nepal Rastra Bank’s digital lending requirements from the first line of code.
- You hold the NRB licence. We hold the technology.
- No NRB application, no capital requirement on your side.
- Money never passes through Khepee — it moves on your rails.
The gap
Licences without technology
Nepal has no shortage of institutions permitted to lend. What most lack is the software to do it digitally — and building that in-house is a multi-year commitment few boards will make.
Lending on paper today
- Applications arrive on paper and are keyed in twice
- KYC documents live in a filing cabinet
- Credit decisions vary by whoever is on duty
- Reporting to NRB is assembled by hand each cycle
- A borrower waits weeks and cannot see progress
- Nobody can reconstruct why a loan was approved
Lending on Khepee
- Borrowers apply from their phone in minutes
- Documents captured, encrypted and verified digitally
- Every decision scored against the same rules
- Compliance extracts generated from the audit trail
- Status visible to the borrower at every step
- Every state change permanently recorded with a reason
How it works
They lend. We are the rails.
Under Nepali law only licensed Banks and Financial Institutions may disburse loans. Khepee does not try to become one. It operates as a Technology Service Provider: the partner BFI is the lender of record, and Khepee provides everything else.
- The BFI holds the licence, the capital and the borrower relationship
- Khepee provides origination, KYC, decisioning, servicing and reporting
- Funds move on the BFI’s own rails — Khepee has no settlement account
- No licence application, no paid-up capital, no prudential filing for either side
The platform
The whole lending lifecycle, in one system
Eight modules that together take a borrower from install to closed loan — and give your officers one place to work rather than six.
Origination
Borrowers apply from the app. Your officers work a single ordered queue instead of a pile of forms.
Digital KYC
Document capture, liveness and a verification workflow. Vendor-agnostic, so you are never locked in.
Credit decisioning
A rule-based scorecard with a clean seam for bureau data or your own models. It advises; your officer decides.
Disbursement
Khepee instructs and records. Your rails move the money and remain the source of truth.
Servicing
EMI schedules, repayment tracking, overdue flagging and reminders in Nepali or English.
Collections
Overdue accounts surfaced early with a clear escalation path, not discovered at month end.
Reporting
Portfolio views for your team and exportable extracts for NRB, drawn from the audit trail.
Borrower app
iOS and Android, in Nepali and English, so the borrower can see exactly where they stand.
Compliance
Regulation as architecture, not a checklist
Most systems treat compliance as a policy document and hope people follow it. Khepee encodes it. The regulatory limits are constants in one file, enforced server-side, and covered by tests that fail the build if a rule is weakened.
- Loan ceilings of NPR 500,000 and NPR 200,000 enforced at four independent layers
- The 36-month tenure cap applied at schema, service and database level
- No route through the application state machine reaches disbursement without verified KYC
- Every read of borrower data declares a purpose, and that purpose is logged
- An append-only audit trail — corrections are new entries, never edits
Multi-tenancy
Your data is yours alone
Khepee serves several partner institutions from one platform, and no institution can observe another — not in a list, not in a count, not in an error message. Cross-tenant lookups return “not found” rather than “forbidden”, because a “forbidden” would confirm the record exists.
- Every query is pinned to your institution by the access token, not by a request parameter
- Your loan products, limits and branding are configured independently
- Khepee’s own staff cannot read your borrowers’ personal data — the permission does not exist for them
- Borrower records are scoped to the institution they applied to, never pooled
What changes
The numbers that matter to a lending book
Indicative targets for a digital lending operation running on Khepee. Actual figures depend on your credit policy and approval workflow — we will model them with you before you commit.
Minutes
To apply
A borrower completes an application on their phone, not across three branch visits.36 mo
Maximum tenure
The NRB cap, enforced in code — a product cannot be configured above it.NPR 5L
Ceiling per borrower
For salary and business account holders. NPR 2L for other account holders.100%
Of state changes audited
Every transition carries an actor, a timestamp and the ruleset version in force.
Engineering
One language, end to end
TypeScript across the entire platform, with the regulatory constants, domain types and validation schemas shared between the API, the console and the mobile app. A limit cannot mean one thing on the server and another in the app, because they are literally the same file.
- Next.js for the marketing site and the operations console
- Expo React Native for the borrower app on iOS and Android
- Node, Express and MongoDB for the API and the system of record
- Shared types, Zod schemas and NRB constants, verified in CI so nothing drifts
Who it is for
Built for the institutions that already hold the licence
Commercial & development banks
Class A and B institutions launching a digital retail lending product without diverting the core banking roadmap.
Finance companies
Class C institutions that need a modern origination and servicing stack to compete on speed.
Microfinance institutions
Class D institutions reaching borrowers digitally without giving up the field relationship that makes the model work.
Who builds it
A product of Lacspace
Khepee is built by Lacspace Corporation Pvt. Ltd., a technology company registered in Nepal and India with software already running in production. You are not being asked to bet on a prototype from a first-time team.
- LSKhata — billing, inventory and accounting for small businesses
- POS Master — point of sale and restaurant management
- iSmartClass — school ERP and learning platform
- Lacspace One — the group’s super app
Khepee is not a lender, and does not claim to be
Khepee is a technology service provider operated by Lacspace Corporation Pvt. Ltd. It is not a bank or financial institution. It does not lend, does not accept deposits and does not hold customer funds. All lending is carried out by partner institutions licensed by Nepal Rastra Bank, under their own licence and their own credit policy. Khepee makes no claim of licensing, approval, registration or endorsement by Nepal Rastra Bank or any other regulator. Nothing on this website is an offer of credit or financial advice.
Straight answers
The questions we are actually asked
Does Khepee need a licence from Nepal Rastra Bank?
Is Khepee approved or regulated by NRB?
Does money ever pass through Khepee?
Who owns the borrower relationship and the data?
What about peer-to-peer lending?
When can we start?
Coming soon
Be the institution that launches first
We are selecting a small number of partner institutions for the initial launch. If you hold an NRB licence and want a digital lending product without building an engineering team, we should talk.