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Welcome to Satya, Nepal's multi-bank loan marketplace.

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In this demo, we'll follow one personal loan from the first sign-in all the way to the payout.

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Along the way, we'll see everything a bank does.

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We'll go in four parts.

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First, the borrower's journey, from signing in to sharing the application.

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Second, the bank's workspace, where the application is reviewed.

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Third, offers and the payout.

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And finally, how Satya is built for trust.

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Why does this matter?

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Applying for a loan often means starting the same conversation again, at every bank: the same details, the same documents, the same plans.

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With Satya, you prepare one application, and Satya reads your documents.

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You choose where to share it, and you compare the offers you receive in one place.

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Satya works in English and in Nepali.

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One tap switches the whole experience, from the first page to the application.

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Here's the idea.

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A borrower prepares one application, checks every detail, and chooses which banks may see it.

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The platform connects; each bank decides.

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Part one: the borrower.

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Meet Bikash Shrestha.

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He wants five lakh rupees to improve his home.

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It starts with his account.

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Bikash signs in with his Google account; there's no new password to remember.

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Satya asks what he's here to do, a personal or a business workspace, and he sets up a personal one.

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Before his first upload, Satya asks for permission to store and read his documents.

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It explains exactly what that means, and that it's separate from sharing anything with a bank.

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Next, his identity.

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He uploads the front and back of his citizenship certificate, as a photo or a PDF.

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He can use his phone or his computer.

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Each side shows its progress, and he can replace a file at any time.

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Satya reads the certificate and fills in the details.

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There's his name in English and in Nepali, his date of birth and his permanent address.

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He compares each one with the original, corrects anything that's off, and confirms.

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His National ID works the same way.

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He can use the card itself or the application copy, and the option he leaves selected is the one that counts.

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When two documents disagree, Satya doesn't guess.

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It flags the difference, here in his first name, and he reviews it before anything moves forward.

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Everything lives in his workspace.

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He uploads, Satya reads, and he confirms.

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He stays in control of every correction, and of what gets shared.

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Over time, his workspace builds a profile he can reuse.

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Identity, contact details, address, family, income, borrowing goals and collateral each have their own section.

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His documents page keeps every file in one place.

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Files are grouped into identity, household, income and optional documents, ready for his next application too.

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Now he starts a personal loan.

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Satya lists the extra documents it will need, and asks for his consent to prepare the application.

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Nothing is sent to a bank at this step.

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Then, a few questions about him, his family and his income.

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He confirms how he can be reached about his application: his mobile number and his email address.

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Updates about his application come to this number.

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He says what he does: employed, unemployed or studying, and what kind of work.

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That way, the application asks only for the income documents that fit.

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One question at a time.

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He's married, so Satya will ask for his marriage certificate, and nothing he doesn't need.

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Because he's married, the application asks for his family relationship certificate, the Nata Pramanit, and his marriage certificate.

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He uploads his family relationship and marriage certificates.

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Satya reads the names, and he checks each family member before confirming.

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He confirms his current address from a proof of address: province, district, municipality and ward, each checked against the document.

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For his income, he uploads his income certificate and his tax deduction certificate.

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Every source of income stays with its own document.

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Satya reads his monthly and total income, the tax deposited and his employer.

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Bikash confirms each value.

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The bank will later see exactly what he confirmed, right beside the documents themselves.

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He adds a recent bank statement.

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Satya reads the account details and the statement summary, so nobody has to type them again.

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He declares any monthly debt payments, on loans, credit cards or anything else.

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Bikash has none.

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Now, the loan itself.

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He chooses what the loan is for.

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The choices include a home, land, education, healthcare, a vehicle, combining debts or a family milestone.

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For Bikash, it's improving his home.

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He asks for five lakh rupees, and picks a repayment period of thirty-six months.

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These are his preferences; each bank still makes its own assessment.

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He can also say whether he's interested in other bank products, like a savings account.

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He can say how he'd like to be contacted, too.

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It's optional, and it doesn't affect his loan.

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He's pledging land.

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Satya lists what he'll need: his Lalpurja, a land revenue receipt, a blueprint and a four boundary certificate.

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Then it reads his Lalpurja: the plot, its area and its owner.

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The land revenue receipt, the Tiro Rasid, is read the same way: the tax paid, the government valuation and the receipt details.

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The blueprint and the four boundary certificate add the parcel, the survey sheet and the boundaries.

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Bikash confirms each one before it's used.

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Finally, he checks everything before he shares it.

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The final review shows the whole application, section by section: identity, relationships, addresses, income, the loan and the collateral.

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Every value is marked as confirmed, so nothing reaches a bank that Bikash hasn't checked himself.

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He chooses where to send it: specific banks, or every eligible bank shown.

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He confirms his declarations and submits.

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Satya sends this exact application and its documents only to the banks he selected, and keeps a snapshot of what was sent.

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Part two: the bank.

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Let's see what happens at Sample Bank when Bikash's application arrives.

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It starts in the bank's lending workspace.

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The overview shows the bank's own pipeline at a glance.

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There's the total amount requested, and how many applications are awaiting review, in review, or waiting on more information.

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Applications are grouped by purpose, and the next one to review is a click away.

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Here, it's Bikash's personal loan, with his income evidence to compare.

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The applications list shows every case shared with this bank, with the amount, the product and the review status.

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Saved views, like Needs Information, help the team pick up where it left off.

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Search finds any person, business or case reference across the bank's workspace.

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The underwriter opens Bikash's case.

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The case opens with the request at a glance.

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It's five lakh rupees for home improvement, over thirty-six months, with his declared monthly income.

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Satya highlights one thing to look at first, and a review checklist shows what's ready and what's still to do.

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The Evidence tab compares what Bikash declared with what his documents show.

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His income needs checking against his bank statement, and the original source opens right in the case.

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Every document he shared is in the case, grouped by type.

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The secure viewer shows the original beside the facts he confirmed.

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It can zoom and rotate, and it watermarks every page.

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The Collateral tab breaks his property documents down.

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There are the land plots, the owners, the location and the document details, each linked to the page it came from.

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The activity log records what happened and when, from the package arriving to the customer's authorization.

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A private note keeps context for the bank's own team.

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If something is missing, the bank asks.

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The underwriter describes what's needed, here, bank statements showing his salary credits.

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The request is tied to the submitted package, and Bikash sees it in his workspace.

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Then, the assessment.

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Satya's risk insights bring four categories together into one score, and show the figures behind it.

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The bank can set its own weights.

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A score supports the review; it is not a loan approval.

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When the underwriter starts the review, the case moves into review, and the activity log records it.

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And the decision stays with the bank.

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In the offer decision workspace, the bank moves from preparing an offer to reviewing, issuing and the borrower's response.

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It can approve the request as asked, or propose different terms.

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It sets the amount, the annual rate, the tenure and repayment frequency, an expiry date and any processing fee.

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It can add a message in English and Nepali.

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A live calculation previews the monthly installment and the total repayable.

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Before anything is sent, the bank reviews the exact terms.

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If it proposes something different from the request, the screen says so, and the message explains why.

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Once the offer is issued, the bank can see when the borrower has viewed it, and withdraw it if needed.

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When the borrower accepts, the offer is locked and can no longer be changed.

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After acceptance, the bank can prepare draft loan documents, like the loan deed and a personal guarantee, prefilled from the application.

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Drafts are for the bank's own review, not for signing.

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And the bank can see how its team is doing.

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There are first response times, cases responded to and what's still waiting, for each reviewer and the whole team.

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Part three: back to Bikash.

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When banks respond with offers, they come back to one place in his workspace.

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Each shows its amount, interest rate and how long it's valid.

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He looks beyond the rate, compares the full terms, and chooses the offer that's best for him.

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Opening an offer shows its exact terms: the offered amount, how long it's valid, the rate, the tenure and the security.

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Before responding, he reads the bank's declarations and what accepting will mean.

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Accepting is a deliberate step: he confirms he has reviewed the exact terms.

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His acceptance is recorded against that exact offer, and competing offers are closed.

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His chosen bank then guides him through the remaining paperwork, directly.

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Once its conditions are met, the bank pays out the loan, and Bikash receives the amount as agreed.

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The bank handles the payment; Satya does not transfer funds.

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Finally, how Satya is built for trust.

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Consent is on record.

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Every submission is preserved exactly as it was sent, and each bank's access is separate and audited.

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Satya is a marketplace, not a bank, and it does not move money.

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Participating banks keep their lending decisions and regulatory responsibilities.

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For banks and financial institutions, Satya is a new channel for your lending team.

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Applications arrive organized, you can follow up on what's missing, and you keep control of pricing, conditions and approval.

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Behind every loan is a life moving forward: a home improvement, a family vehicle, a personal goal.

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Less repetition and clearer choices help more people take that step with a licensed lender.

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And Satya is built for Nepal's documents and language.

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So that's Satya, from start to payout.

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Documents are read for the borrower and confirmed by the borrower.

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The application is shared only with the banks the borrower chooses.

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Banks review organized cases and make their own decisions.

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Offers come back to one place, all the way to the payout.

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Satya.

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One application.

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Multiple banks.

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Better possibilities.

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Start your application, or partner with Satya, at satyafinancial.com.

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Scan the code to stay in touch with Satya.

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It takes about a minute.