Bank API Integration: What to Expect Working With Nepali Banks

Integrating directly with a Nepali bank's API — for statement access, direct transfers, or loan/account services — is a fundamentally different process than integrating a digital wallet.

Expect a longer approval process

Banks typically require formal partnership agreements, security audits, and compliance documentation before granting API access — budget weeks to months, not days, for this stage alone.

Documentation quality varies widely

Unlike well-documented wallet APIs, bank API documentation is often sparse or outdated — plan for a testing phase with real back-and-forth with the bank's technical team.

Security requirements are stricter

Expect requirements around encryption standards, IP whitelisting, and dedicated security reviews that go well beyond what a typical wallet integration demands.

Plan your MVP without the bank dependency

Where possible, we design the product to launch and prove value using existing wallet integrations first, adding direct bank integration once the approval process (which you don't control the timeline of) completes.

Considering a direct bank integration for your product? Talk to us about a realistic timeline and a fallback plan while approval is pending.