Borrower app
The side of lending a borrower actually sees
A borrower judges your institution by this app, not by your core banking system. It is built to be quick on a mid-range Android phone, honest about what is happening, and readable in Nepali.
Sign-in
No password, because a borrower should not have one
Borrowers authenticate with their phone number and a six-digit code. There is no borrower password anywhere in the platform — a credential that does not exist cannot be phished, reused or leaked.
- Phone plus one-time code; no password is ever created
- Codes are hashed, time-limited and attempt-capped
- Rate limiting keyed to the phone number, so one abuser cannot exhaust everyone’s allowance
- Session tokens held in the device keychain, never in plain storage
Language
Nepali is not an afterthought
Every string in the app lives in a translation file, and nothing is hard-coded into a screen. The app follows the device language by default and lets the borrower override it.
- Full Nepali and English throughout, including error messages
- Device language detected, with a manual override
- Currency and dates formatted per locale
- Financial terms translated to be understood, not transliterated
What a borrower does
Five things, done well
Apply
Choose a product, an amount and a term, within the limits your institution has set.
Verify identity
Photograph a document with on-device guidance, and complete a liveness check where required.
Track the application
See the real state, not a spinner — identity check, assessment, decision.
See the schedule
Every instalment, what is paid, what is due and when.
Get reminders
A few days before each instalment, in their language.
Privacy
Permissions we deliberately do not request
The most common complaint about digital lending apps in South Asia is invasive permissions — contacts, photo libraries, location — used for collections pressure. Khepee’s app does not ask for them, and the manifest blocks them.
- No contacts access. No location access. No photo-library scraping.
- Camera used only for document and selfie capture, with an explained purpose
- Those permissions are explicitly blocked in the app manifest, not merely unused
- No personal data cached on the device beyond the session token
Engineering
Built for the phones borrowers actually own
Expo React Native
One codebase for iOS and Android, on the current Expo SDK with the new architecture enabled.
Resilient sessions
A single in-flight token refresh, so three screens loading at once cannot trip the theft-detection logic.
Over-the-air updates
Fixes ship without waiting for store review, while native changes go through the normal process.
Your institution
Your name, your colours
The borrower is your customer. The app can carry your institution’s branding, and the borrower is told plainly who is lending and who is providing the technology.
- Per-institution branding: name, colours and logo
- A clear statement of who the lender of record is
- Your support contact details, not ours
- Tenant selected at sign-in, so a borrower reaches the right institution
The app is software; the loan is your institution’s product
The Khepee borrower app is provided by Lacspace Corporation Pvt. Ltd. as a technology service. Any loan offered through it is a product of the partner institution licensed by Nepal Rastra Bank, subject to that institution’s terms and credit decision. Khepee is not a lender, does not accept deposits and does not hold customer funds. Availability of the app does not constitute an offer of credit.
Coming soon
See the app on a real device
We would rather hand you a phone than show you screenshots.