Lending software for Bhutan

A small market where lenders digitise branch-based credit for households and small firms. lendhero arrives with Credit Information Bureau of Bhutan, National Digital Identity and RMA payment gateway already connected, so your team configures products instead of plumbing.

See the local stack
  • BTN (Nu)
  • Dzongkha, English
  • 13 local connectors
  • 1–2 weeks to launch

Kuzuzangpo, Pema

ApprovedNu 50,000

814

Credit score

On-time payments

Monthly paymentNu 2,460

Market profile

Bhutan at a glance

What lendhero is set up for in Bhutan before your team logs in.

Currency

BTN (Nu)

Languages

Dzongkha, English

Supervisor

Royal Monetary Authority

Credit data

Credit Information Bureau of Bhutan

Payout rails

RMA payment gateway, mBoB

Data protection

national data rules

13
local connectors wired in before kickoff
BTN
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Dzongkha, English

Working with borrowers in Bhutan

Tools for every borrower conversation

Borrowers in Bhutan apply, sign, pay and come back for repeat loans in Dzongkha and BTN.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by Infobip and WhatsApp Business automatically.

Your application is approvedInfobip
Your payment is due tomorrowWhatsApp Business
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Dzongkha.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Pema · Consumer loan, 6 months · Nu 50,000

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Bhutan stack, connected before kickoff.

lendhero ships with the connectors lenders in Bhutan use every day, from Credit Information Bureau of Bhutan to Bank transfer. New ones are added through the open API.

  • Credit bureaus & registries1 connector
    • CCredit Information Bureau of Bhutan
  • Identity & KYC2 connectors
    • NNational Digital Identity
    • LLender data
  • Bank & alternative data1 connector
    • BBank statements
  • Disbursement rails2 connectors
    • RRMA payment gateway
    • mmBoB
  • Repayments & collections2 connectors
    • BBank transfer
    • CCard
  • Messaging3 connectors
    • IInfobip
    • WWhatsApp Business
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Bhutan

Applicants are checked with Credit Information Bureau of Bhutan, and money moves via RMA payment gateway and mBoB.

Client checks

Checks connected in Bhutan:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNational Digital Identity, Lender dataPass
  • Credit bureausCredit Information Bureau of BhutanPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statementsReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Bhutan:

DisbursementRMA payment gateway, mBoB in BTN
RepaymentBank transfer, Card
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • RMA payment gateway
  • mBoB
  • Bank transfer
  • Card

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in BTN are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

Nu 50,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid Nu 17,830 of Nu 53,5002 of 6 payments
DateAmountStatus
Sep 4Nu 8,920Paid
Oct 4Nu 8,920Paid
Nov 4Nu 8,920Due in 7 days
Dec 4Nu 8,920Upcoming
Jan 4Nu 8,920Upcoming
Reminder sentYour payment of Nu 8,920 is due Nov 4

Loan flow

How a loan runs in Bhutan. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Dzongkha and English.
  2. 02VerifyIdentity and documents are checked through National Digital Identity and Lender data.
  3. 03DecideScorecards pull Credit Information Bureau of Bhutan data and return a decision in seconds.
  4. 04DisburseFunds go out via RMA payment gateway or mBoB in BTN, straight after signing.
  5. 05CollectRepayments arrive via Bank transfer and Card, with reminders over Twilio.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

Nu 50,000

Next payment

Nu 8,920 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

PemaVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Bhutan launch on .

Consumer instalment loansPersonal loans.
MicrofinanceLoans for farmers and artisans.
Business lendingLoans for tourism SMEs.

Compliance

Configured for RMA and national data rules.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Bhutan.

Hosting & data residency

Cloud or on-premise deployment, with data stored where national data rules requires.

Consent & privacy

Borrower consents are captured, versioned and logged under national data rules.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for RMA rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in South Asia

All Asia markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Bhutan?+

Yes. The platform is set up for BTN, Dzongkha and English and RMA requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Bhutan?+

Credit Information Bureau of Bhutan. On top of that, identity checks run through National Digital Identity and Lender data and bank data comes from Bank statements.

How do borrowers get paid and repay?+

Payouts go out via RMA payment gateway and mBoB in BTN. Repayments arrive via Bank transfer and Card, with reminders over Infobip and WhatsApp Business.

How long does a launch in Bhutan take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 13 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Bhutan? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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