Pricing
Priced as a partnership, not a licence key
Khepee is sold to licensed institutions under a service agreement, and the commercials depend on your portfolio, your products and how much of the operation we run. This page explains the model rather than pretending a single number would be honest.
There is no public price list, and here is why
Khepee is pre-launch and has not yet run a production portfolio. Publishing a per-loan or per-seat figure now would be a guess dressed as a commitment, and we would end up either overcharging early partners or renegotiating within a year. Launch partners get transparent, cost-based pricing agreed in writing, with the calculation shown rather than asserted. When we have real operating data, we will publish real numbers.
The model
Three components, all negotiable
Implementation
A one-off fee covering configuration, vendor integration, officer training and pilot support. Scoped to your products, not a standard package.
Platform subscription
A recurring fee for hosting, support, maintenance and regulatory updates. Scaled to your portfolio rather than a flat enterprise figure.
Usage
A component tied to volume — applications processed or loans serviced — so a small pilot costs like a small pilot.
Scope
What the fee covers, and what it does not
Not included
- Third-party KYC provider fees
- SMS and notification delivery costs
- Payment gateway or rail charges
- Your own legal and compliance review
- Hardware for your officers
- Custom features outside the agreed roadmap
Included
- The full platform: app, console, admin panel and API
- Hosting, monitoring and backups
- Regulatory constant updates when NRB revises a rule
- Officer training and compliance documentation
- A named engineering contact
- Complete structured data export, at any time
Launch partners
Better terms for going first, and we will say why
The first partners take real risk: an unproven platform, features still being built, and the work of shaping a roadmap. That is worth something, and we would rather price it honestly than dress a discount up as a limited offer.
- Preferential commercial terms, fixed for a defined period
- Direct influence over what gets built next
- Substantially more of our engineering attention than a later cohort
- In exchange: patience with a platform that is still maturing
Exit
Leaving will not be made expensive
Lock-in through data hostage-taking is common in this category and we will not do it. Exit terms are in the agreement, and they are not punitive.
- Complete structured export of borrowers, applications, schedules and the audit trail
- Transition assistance during the notice period
- No per-record charge for your own data
- We would rather be chosen each year than contractually retained
Comparison
The honest alternative is building it yourself
The relevant comparison is not against another vendor — there are few in this market. It is against an in-house build, and that comparison should include the parts institutions routinely forget.
- Engineering salaries for a team that must be retained for years, not months
- The compliance work: limits, audit trail, purpose binding, retention
- Mobile development and app store maintenance for two platforms
- Security review, penetration testing and remediation
- Ongoing regulatory change, indefinitely
Khepee is a technology service provider, not a lender
Khepee is operated by Lacspace Corporation Pvt. Ltd. It is not a bank or financial institution, does not lend, does not accept deposits and does not hold customer funds. Lending is carried out by partner institutions licensed by Nepal Rastra Bank. Lacspace’s company registration is a technology-company registration and confers no lending authority; Khepee makes no claim of NRB licensing, approval, registration or endorsement.
Coming soon
Ask for a written proposal
Tell us your portfolio size and product mix, and we will show you the calculation rather than just the number.