The same collection discipline, every market you enter
A daily route in Tamil Nadu, a market-trader loan in Lagos, a SACCO loan in Nairobi and a microenterprise loan in Bogotá can all look identical in the field — small amounts, collected often. Legally and commercially they are different businesses. Vasool keeps one thing constant across all of them: proof of where every payment went, who collected it, by which method, and against which principal.
Pick your country
Setting up a company fixes its currency, local business date and time zone, and phone and address formats. What it never does is change the accounting meaning of an amount — a figure entered in Jakarta reads exactly as typed.
India
Voice-entry route collection, kandhu vatti and EMI books, and the governance layer an NBFC is judged on.
- Who it's for
- Money lenders, finance companies and NBFCs
- Payment rail
- Field cash and UPI
- Currency & time
- INR ₹ · Asia/Kolkata
- Regulatory home
- Reserve Bank of India
Philippines
Daily and weekly collection for palengke vendors and sari-sari stores, with the receipt and audit trail a lending company is asked for.
- Who it's for
- SEC-registered lending and financing companies, cooperatives
- Payment rail
- Field cash, GCash, Maya, bank transfer
- Currency & time
- PHP ₱ · Asia/Manila
- Regulatory home
- Securities and Exchange Commission, Bangko Sentral ng Pilipinas
Nigeria
Agent cash accountability, group and individual exposure records, and portfolio-at-risk ageing for market-day collection.
- Who it's for
- Microfinance banks, cooperative societies, market lenders
- Payment rail
- Field cash, bank transfer, USSD
- Currency & time
- NGN ₦ · Africa/Lagos
- Regulatory home
- Central Bank of Nigeria
Kenya
Mobile-money reconciliation first: every payment carries its channel and transaction reference, so nothing posts to the wrong loan twice.
- Who it's for
- SACCOs, licensed digital credit providers, microfinance institutions
- Payment rail
- M-Pesa paybill and till, bank transfer
- Currency & time
- KES · Africa/Nairobi
- Regulatory home
- SASRA, Central Bank of Kenya
Sri Lanka
A familiar field workflow with Sri Lankan documents, LKR and a Tamil interface — without carrying Indian conventions across.
- Who it's for
- Licensed microfinance companies, finance companies, SME lenders
- Payment rail
- Field cash, bank transfer
- Currency & time
- LKR · Asia/Colombo
- Regulatory home
- Central Bank of Sri Lanka
Indonesia
Member-based lending with field-officer accountability and IDR amounts that survive entry exactly as typed.
- Who it's for
- Koperasi simpan pinjam, BPR, licensed microfinance institutions
- Payment rail
- Field cash, bank transfer, QRIS
- Currency & time
- IDR Rp · Asia/Jakarta
- Regulatory home
- Otoritas Jasa Keuangan
CambodiaSetup not live
Dual-currency field lending — riel and dollar balances kept apart, never silently converted. Company setup for Cambodia is not live yet.
- Who it's for
- NBC-licensed MFIs and MDIs, rural credit institutions
- Payment rail
- Field cash in KHR and USD, bank transfer, mobile wallets
- Currency & time
- KHR ៛ and USD · Asia/Phnom_Penh
- Regulatory home
- National Bank of Cambodia
South Africa
Agreement, affordability-evidence and payment-allocation records for a formal credit provider — not a street-route product.
- Who it's for
- NCR-registered credit providers
- Payment rail
- Debit order and DebiCheck, EFT, payroll deduction
- Currency & time
- ZAR R · Africa/Johannesburg
- Regulatory home
- National Credit Regulator
Colombia
Formal productive credit with per-modality pricing records and a hard line against gota a gota lending.
- Who it's for
- Supervised microcredit institutions and cooperatives
- Payment rail
- Field cash, bank transfer, PSE and mobile wallets
- Currency & time
- COP $ · America/Bogotá
- Regulatory home
- Superintendencia Financiera de Colombia
GhanaSetup not live
Daily susu collection with a per-collector cash close, and the member balance a depositor can be shown on demand. Company setup for Ghana is not live yet.
- Who it's for
- Tier 2 microfinance and susu companies, Tier 3 money lenders, Tier 4 susu collectors and enterprises
- Payment rail
- Field cash, MTN MoMo, Telecel Cash, bank transfer
- Currency & time
- GHS ₵ · Africa/Accra
- Regulatory home
- Bank of Ghana
ZimbabweSetup not live
Dual-currency field lending — USD and ZiG balances kept apart, never silently converted — with every wallet repayment carrying its channel and reference. Company setup for Zimbabwe is not live yet.
- Who it's for
- RBZ-registered credit-only microfinance institutions, deposit-taking MFIs, savings and credit cooperatives
- Payment rail
- EcoCash, InnBucks, OneMoney, field cash in USD and ZiG, bank transfer
- Currency & time
- USD and ZiG · Africa/Harare
- Regulatory home
- Reserve Bank of Zimbabwe
Côte d'IvoireSetup not live
Member-owned credit and savings with the per-member records a supervised SFD is asked to produce, in CFA francs. Company setup for Côte d'Ivoire is not live yet.
- Who it's for
- Approved SFDs — savings and credit cooperatives and microfinance institutions
- Payment rail
- Field cash, Orange Money, MTN MoMo, Wave, Moov Money, bank transfer
- Currency & time
- XOF CFA · Africa/Abidjan
- Regulatory home
- BCEAO and the Direction Générale du Trésor et de la Comptabilité Publique
A line is an operating tool, not a legal category
In Vasool a line is a portfolio of loans managed together — by route, market, agent, geography or repayment frequency. It exists so a collector's day can be scheduled and a day's cash can be reconciled. An owner might run a Monday weekly line, a daily market line and a monthly-interest line side by side.
Regulators classify the credit underneath, not the app's grouping. The same weekly workflow could be a regulated microfinance loan, a cooperative member loan, a licensed lending company's product, a bank microloan — or an unlawful informal loan. Never read legality off the fact that repayments happen daily, weekly or monthly.
Vasool is collections and portfolio software. It is not a licence, a registration, or regulatory approval, and no feature in it makes an unlawful loan lawful. Confirm your legal entity, lending permission and permitted product scope with a qualified local lawyer before your first disbursement.
One field workflow across every market
What does not change country to country is how work reaches the book. In every market an officer dictates the entry rather than typing it — Tamil, Telugu, Hindi, Malayalam, Kannada, English, Filipino, Cebuano, Nigerian Pidgin, Hausa, Yoruba, Swahili, Sinhala, Bahasa Indonesia, Javanese, Afrikaans, isiZulu and Spanish — and Vasool writes a structured record rather than an audio clip. Expenses go the same way — the fuel, the fare, the market fee — so a round is recorded in both directions while the officer is still on it.
Every entry attaches to a route. Routes are planned daily or weekly and assigned ahead of the day, officers navigate with GPS, completion is tracked live, and a location history shows where staff actually went. That is what makes the day book per route and end-of-day cash settlement per officer — and what makes officer performance, overdue ageing, cash flow by account and profit and loss worth reading.
The changes that carry real consequence go the other way. Switch maker-checker on per role and per resource and a gated create, edit or delete is held as a request until an owner or assigned approver allows it, with the approval and the rejection both on the audit trail. What each market's lenders usually gate differs, and every country page above says which records those are.
See how the voice approval workflow fits together, including what it does not cover today.
Frequently asked questions
Which countries can I set a company up in?
India, Sri Lanka, the Philippines, Indonesia, Nigeria, Kenya, South Africa and Colombia. Choosing a country sets the currency, the local business date and time zone, and the phone and address formats — it does not change the accounting meaning of any amount you record. Cambodia, Ghana, Zimbabwe and Côte d'Ivoire have market pages here but are not yet selectable at setup, and each is labelled that way rather than quietly listed alongside the rest.
Does Vasool let me lend in these countries?
No. Vasool records and controls collections; it does not grant a lending licence or registration anywhere. Your legal entity, permission to lend, permitted borrower and product scope, pricing limits and disclosure duties come from your own country's law and regulator, not from software.
Is a daily line legal in my country?
Collection frequency does not decide that. Regulators classify the underlying credit — the lender's legal form, the borrower type, the pricing and the disclosures — not the way an app groups routes. A line in Vasool is an operational portfolio for scheduling field work, nothing more.
Can one account run more than one country?
Each company is set up for one country, with its own isolated database. An owner operating in two countries runs two companies, so currency, local dates and borrower records never mix.
Is the interface available in local languages?
The app ships with six Indian languages plus English, and Tamil covers Sri Lanka's Northern and Eastern provinces. Bahasa Indonesia and Spanish are on the roadmap — until they ship, those markets run in English, and we would rather say so than imply otherwise.
Can officers record entries by voice outside India?
Yes, and it is worth separating from the question above. The interface language is what the buttons and reports are written in; the dictation language is what an officer can speak at the doorstep. Voice entry works in every supported market — Swahili in Kenya, Filipino in the Philippines, Bahasa Indonesia, Khmer, Spanish and the rest — even where the interface itself is still English. Vasool converts the speech into a structured record and shows the match for confirmation before saving.
Which actions can be held for approval?
Maker-checker covers customers, loans, chit and savings schemes, gold sales, expenses, staff, roles and routes, enabled per role and per resource. A gated create, edit or delete is held as a request, routes to the owner or an assigned approver, and applies only on approval — with both outcomes on the audit trail. Holding an individual collection entry is on the roadmap and does not ship today.