KALAPA Unified Onboarding Platform

KALAPA is a Hanoi-based technology company that builds a unified onboarding platform for financial institutions in Vietnam. It addresses the fragmentation of digital customer onboarding, where banks, securities firms and consumer finance companies often stitch together separate vendors for identity checks, fraud screening and credit decisions.

The platform covers five stages: sign-up screening with dynamic forms and device intelligence, consent management that records user consent before personal data is processed, eKYC with document OCR, face verification, liveness and NFC chip reading of citizen ID cards, underwriting with behaviour insight, fraud and risk detection and a decision engine, and ongoing monitoring with face authentication, PEP, sanctions and adverse media screening. Business teams configure rules directly, and the platform is delivered through SDKs and REST APIs to banks, fintechs and lenders.

• Device intelligence: Screens applicants at sign-up before eKYC costs are incurred.
• Consent management: Records user consent before personal data is processed.
• eKYC with NFC: Combines document OCR, face matching, liveness and citizen ID chip verification.
• Underwriting engine: Uses behaviour insight and fraud signals to support credit decisions.
• Ongoing monitoring: Runs face re-authentication plus PEP, sanctions and adverse media checks.
• No-code rules: Lets business teams configure workflows and rules without engineering work.

A consumer finance company can screen loan applicants, verify citizen ID chips and score fraud risk in one flow. A securities firm can open trading accounts remotely with consent logs and AML screening. A digital bank can re-authenticate customers by face for high-value transfers.

Financial institutions sign one contract and use one dashboard instead of managing several identity and risk vendors. KALAPA reports a 40% reduction in bad debt for partners and more than 10 million users assessed. Sandbox access is provided within 24 hours, and a typical integration goes live in one to two weeks. Built-in consent and AML screening helps lenders meet Vietnamese data protection and anti-money laundering rules.

Vietnam requires biometric authentication for many electronic transactions and chip-based citizen ID verification for digital account opening, while new personal data protection rules raise the bar on consent. Banks and lenders are therefore consolidating onboarding, fraud and compliance into fewer, auditable platforms that can be updated as regulations change.

Office in Nam Tu Liem, Hanoi. Reports 100+ partners, including VPBank, Techcombank, TPBank, Shinhan Bank, SSI, MoMo, FE Credit and F88. Holds ISO/IEC 27001:2022, iBeta-tested ISO/IEC 30107-3 Level 1 and 2, FIDO certified face verification, and authorization for citizen chip verification in Vietnam. Founding year not stated on the website.