For generations, borrowing here has started with friends, family, relatives and trusted communities — not with strangers.
Sapati is bringing that tradition online—making it easier to request loans, connect with trusted people, keep agreements organized, and build lasting financial trust.
Why Sapati?
In Nepal, borrowing money often starts with someone you already know. Whether it's for education, a business, an emergency, agriculture, or a personal goal, trust is what matters most.
Sapati helps make those trusted relationships more organized, transparent, and easier to manage.
Sapati isn't about finding strangers. It's the digital layer for the lending that already happens between people who trust each other.
Direct Request
Send a private request to someone you already trust. They can show interest, decline, counter-offer, or ask questions first.
Ram Thapa
Trusted contact
Circle Request
Like a group chat, but for lending. Share one request with a private circle and let each member respond on their own terms.
Coming Later
Once regulations allow, publish a request publicly so verified lenders can respond — built on the same trust foundation.
Circles
A Circle is a private, invite-only group of people you already trust. Send one request to a circle — or several — and each member responds on their own terms.
Amir's request · Business expansion
NPR 200,000
Repay in 8 months
100% funded by 4 people he trusts
One request. Many lenders. Nobody carries the full amount alone.
Trust Score
Where formal credit data doesn't reach, community trust does. Your Sapati Trust Score grows from real activity on the platform.
Amir Shrestha
Trust Score · Strong
Trusted contacts, circles, mutual connections and recommendations — a professional network built around financial trust.
Organize loan requests, agreements, repayment plans, and reminders in one place.
Built with the vision of becoming Nepal's trusted digital peer-to-peer lending platform as the ecosystem evolves.
Many loans in Nepal still happen through conversations, phone calls, notebooks, or memory.
Sapati aims to make that process easier by providing a digital space where trusted people can communicate clearly, record agreements, and manage repayments with confidence.
Simple. Transparent. Built on trust.
Sapati grows the way trust does in Nepal — starting with the people closest to you.
One-to-one requests between people who already know and trust each other.
Borrowing within trusted circles — families, friends, workplaces and local groups.
A regulated marketplace where verified users lend and borrow beyond their network.
Join our early access community and help shape the future of trusted lending in Nepal.
No spam. Just product updates.