Underwrite at the speed of mobile.
NRB's Digital Lending Guidelines (2022) permit loans up to NPR 500,000 via digital platforms. The bottleneck is income verification at speed. Swippee is the API call that unblocks the volume.
The current workflow is slow because the data starts as a PDF.
Foneloan is the only digital lender at scale, partly because they're vertically integrated with F1Soft's payment rails. Every new digital lender hits the same wall: how do you verify income without a human reviewer in the loop?
How it works
- 1
User signs up in your app
Standard KYC, document upload step.
- 2
User uploads statement via Swippee Connect
Embedded widget — no leaving your app.
- 3
Your server fetches /v1/reports/:id/score
Single number. Above 650 → auto-approve. 500–650 → manual review. Below 500 → decline with reasons.
- 4
Disburse via your existing payment integration
Swippee stays in its lane — we score, you settle.
Products in this workflow
“We replaced two full-time underwriters with a webhook handler. The score factors give us audit-ready justifications for every decision.”
CTO, A Nepali digital lender