A pack for every country you lend in.
Each country pack sets the national ID check, the mobile number format, the credit bureau, payment rails, lending limits, disclosures and reports. Switch the pack, and sign-up, checks and the Key Fact Statement follow. The rules are starting points from public sources; your compliance team confirms them.
Ten countries today.
South Asia, the Gulf and Africa, each with its own regulator, identity service and bureau.
| Country | Identity check | Credit bureau | Payments | Regulator | Languages |
|---|---|---|---|---|---|
| Pakistan PKR | CNIC: NADRA Verisys and BVS | SBP eCIB, Tasdeeq, DataCheck | Raast, JazzCash, Easypaisa, 1LINK, IBFT | State Bank of Pakistan (banks, MFBs); SECP (NBFCs, digital lenders) | English, Urdu |
| Bangladesh BDT | NID: Election Commission NID verification | Bangladesh Bank CIB | bKash, Nagad, Rocket, Upay, NPSB, BEFTN | Bangladesh Bank; MRA (microfinance) | English, Bangla |
| Saudi Arabia SAR | National ID / Iqama: Nafath; Yakeen | SIMAH | SARIE, mada, SADAD, STC Bank, Open Banking (PIS) | Saudi Central Bank (SAMA) | Arabic, English |
| United Arab Emirates AED | Emirates ID: UAE Pass; ICP | AECB | UAEFTS, Aani, Open Finance (Al Tareq) | Central Bank of the UAE (CBUAE) | Arabic, English |
| Nigeria NGN | NIN: NIMC NIN; NIBSS BVN | CRC, FirstCentral, CreditRegistry | NIBSS NIP, OPay, Moniepoint, PalmPay, MTN MoMo PSB, USSD | CBN; FCCPC (digital lenders) | English, Hausa |
| Kenya KES | National ID: IPRS | Metropol, TransUnion, Creditinfo | M-Pesa (Daraja), Airtel Money, PesaLink | Central Bank of Kenya (banks and digital credit providers) | English, Swahili |
| Egypt EGP | National ID: Civil Status Organization | iScore | InstaPay, Fawry, Meeza, Vodafone Cash | Central Bank of Egypt; FRA (consumer finance and microfinance) | Arabic, English |
| Ghana GHS | Ghana Card: NIA Ghana Card | XDS, Dun & Bradstreet Ghana, Hudson Price | MTN MoMo, Telecel Cash, AT Money, GhIPSS | Bank of Ghana | English, Hausa |
| Senegal XOF | CNI: National ID (CEDEAO card) | BIC (Creditinfo VoLo) | Wave, Orange Money, Free Money, GIM-UEMOA | BCEAO | French, English |
| Mozambique MZN | BI: Bilhete de Identidade | Central de Registo de Crédito | M-Pesa, e-Mola, mKesh | Banco de Moçambique | Portuguese, English |
Each country is its own lending entity.
Choosing a country sets the entity and its currency; the language is a separate choice. In the demo, Rahbar is a fictional lending group with an entity in each country. A real banking group maps each licensed entity to its country pack, and a single-country bank simply has one.
- Pakistan Rahbar Bank Limited, PKR
- Bangladesh Rahbar Finance Bangladesh PLC, BDT
- Saudi Arabia Rahbar Finance Company, SAR
- United Arab Emirates Rahbar Finance LLC, AED
- Nigeria Rahbar Microfinance Bank Nigeria Ltd, NGN
- Kenya Rahbar Credit Kenya Ltd, KES
- Egypt Rahbar Consumer Finance Egypt, EGP
- Ghana Rahbar Savings and Loans Ghana, GHS
- Senegal Rahbar Microfinance Senegal, XOF
- Mozambique Rahbar Microbanco Mozambique, MZN
Local rules worth knowing.
- Pakistan. Riba-free banking deadline 1 January 2028: Islamic modes should be ready.
- Bangladesh. Digital e-loans up to Tk 50,000 for 12 months with biometric e-KYC.
- Saudi Arabia. DBR 33.33% of salary for salary-deducted personal finance; early settlement capped at 3 months' profit.
- United Arab Emirates. Personal loans up to 20 times salary and 48 months.
- Nigeria. No contact-list access or shaming in collections; 24-hour complaint acknowledgement.
- Kenya. CBK approves pricing; 20% excise duty on lender fees.
- Egypt. OTP at contract signing and disbursement.
- Ghana. Digital credit service providers licensed by BoG.
- Senegal. WAEMU usury caps: 14% banks, 24% microfinance and others (from June 2026).
- Mozambique. Portuguese-speaking Africa reference market.
A new country is a pack, not a new system.
Currency, ID rules, the bureau, rate caps, cooling-off periods and languages are settings your team controls.
Speaks your customers' languages
English, Urdu, Arabic, Bangla, French, Portuguese, Swahili and Hausa today, with right-to-left screens for Urdu and Arabic. More languages can be added without changing the code.
See it with your own products
We'll set up the demo with your products, your limits and your brand, then walk your credit, compliance and IT teams through it.