Packs
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.
Ready for the markets you serve
Each country comes as a pack: the national ID, mobile format, credit bureau, payment rails, lending limits and the regulator's reports. Switch the pack, and sign-up, checks and disclosures follow.
South Asia
Pakistan and Bangladesh. NADRA and Election Commission ID checks, eCIB and CIB reports, Raast, JazzCash, Easypaisa, bKash and Nagad, Key Fact Statements in Urdu and Bangla, and Islamic modes ready for 2028.
GCC
Saudi Arabia, the UAE, Qatar, Kuwait, Oman and Bahrain. Nafath and UAE Pass, SIMAH and AECB, debt burden caps, Murabaha, Tawarruq and Ijara, Arabic contracts and in-country hosting.
Africa
Nigeria, Kenya, Egypt, Ghana, Senegal and Mozambique. NIN and BVN, IPRS and Ghana Card, M-Pesa, MTN MoMo, Wave and Orange Money, USSD for feature phones, and collection-conduct rules built in.
Anywhere else
A new country is a new pack, not a new system: currency, ID rules, bureau, rate caps, cooling-off periods and languages are settings your team controls.
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 |
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.