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What is KILDE?

KILDE is a global private debt marketplace where alternative lending firms (Non-Banking Financial Institutions) raise debt capital with institutional and accredited investors. KILDE assists the participants throughout the entire process of arranging the debt issuance in the form of debt securities, private placement of the securities, subscription, settlement, and loan monitoring.

How does it work?

KILDE arranges investments in alternative debt through debt securities (debentures). Alternative lenders issue debentures, which are offered to a pool of investors at the platform, within the credit limit set by KILDE. The platform automates the entire process of issuance, subscription and settlement of the debentures and assists the participants throughout the entire investment cycle. Each alternative lender has an extensive information profile at the platform. Moreover, each debenture issuance is supplemented with Information Memorandum and Pricing Supplement. The investors and the alternative lender issuing the debentures sign the sales agreement digitally in the platform. Proceeds from the sales of the debentures are transferred weekly to the escrow account of the participants. Funds are held in a segregated account controlled by a third-party escrow agent, which is responsible for managing payments and registering the debentures holders.

Why is KILDE different?

We built the platform willing to differentiate our solution from what is currently available in the market.

  • Investors do not bear the credit risk of individual loans. The borrower is obliged to repay the principal and interest to the investors, irrespective of the performance of the underlying loans;
  • Investors have access to a convenient marketplace to diversify their investment portfolio. The credit risk of the underlying loans is spread among a handful of alternative lenders with whom we manage the risks through continuous credit assessment;
  • Alternative lenders can find additional sources of funding to increase their loan portfolio and provide cheaper and less restrictive loans to their customers.
Is KILDE licensed?

KILDE PTE LTD is incorporated in Singapore under the registration no. 201929587K and holds a Capital Markets Services license (CMS101016) issued by the Monetary Authority of Singapore to deal in capital markets products under the Securities and Futures Act (Cap. 289).

What happens if KILDE decides to terminate its operations?

In case of such an unlikely event, KILDE will stop accepting new funds from investors and will cancel the issuance of new debentures. The platform will operate until all the active debentures are liquidated in the system, which means that the loan originators must keep following the payment schedule of those debentures so that investors can be paid accordingly to the terms of their ongoing positions.

Who can join?

At the moment, we can only onboard accredited and institutional investors, but we are working towards making our deals accessible to the wider investor base. You can sign up, and we will notify you once this becomes possible.

Once registered, you will be asked to fill out the questionnaire and provide documents to confirm your status of "accredited" or "institutional" investor.
There are three ways how to confirm your accredited investor status:

  • Annual income: your net income shall be exceeding SGD 300,000 (ca. USD 224,000) in the past 12 months OR
  • Financial assets: your financial assets should be equal or exceed SGD 1,000,000 ( ca. USD 745,000) at the time of registration OR
  • Personal assets: your personal assets should be equal or exceed SGD 2,000,000 (ca. USD 1,490,000) at the time of registration. Personal assets include your financial assets.

If you meet any of the three criteria, congratulations, you are an accredited investor according to Singaporean regulations.

If you have doubts whether you would qualify, please do not hesitate to contact our investor relations team at or

If you represent financial institution, or a corporation, please register as a legal entity.

How do I create an account?

Creating an account with us is simple. Click "Create Account" button on our website or click "Join" in the navigation pane on top of the page, and fill out your information in the registration form.

Once this is done, you will get an email with a verification link to verify your email address. You then will be able to log in to your Kilde account and complete the required steps to activate your account and start investing.

Please keep in mind, that you must be an accredited or institutional investor, as classified by the Monetary Authority of Singapore, to be able to invest with us. Once registered, you will be asked to fill out the questionnaire to check that you qualify as accredited investor. You will also be asked to provide specific documents to confirm your status.

For institutional investors, our investor relations team member will be getting in touch with you to discuss the corporate documents that shall be provided.

In case you are an alternative lender, a due diligence process is performed by KILDE’s team to determine if your company matches the minimum requirements to join the platform. Please, get in touch with our sales team (

What documents should I provide as an investor?

If you are an accredited investor be ready to provide:

  • Passport or ID Card
  • Proof of wealth or income:

    • Pay slips / tax declaration
    • Bank statement
    • Investment statements (Capital Market Products, Bullion, Stock, Cryptocurrency holdings)
    • Investment life policy statement
    • Life policies certificate
    • Financial statements and business registry excerpt to confirming the value of your shares in private companies
    • Excerpt from land / property registry
  • Proof of address (document should not be older than 3 months) :

    • Copy of a bill (e.g. utility, mobile, internet, etc.)
    • Bank statement with address
    • Tenant agreement
How an investor transfer money to her account at the platform?

KILDE works with a third-party escrow agent licensed by the Monetary Authority of Singapore (MAS) to manage all money transactions. The funds are held in secure segregated escrow account controlled by the licensed trust R&H Trust Co. (Singapore) Pte Ltd and operated by Vistra Singapore. We will share the account details with the investor once the onboarding process is completed.

How can I withdraw my money?

Investors can request partial or full withdrawal of their available funds at any time by using the dashboard at the KILDE’s platform. Please note that actual payment transfer may take a few workdays to reach your registered external account depending on your country.

Which currency should I consider when transferring or getting the funds?

Although most of the bonds placed on our platform are USD - denominated, we can accept deposits in USD, SGD (Singapore Dollar) and EUR. The funds transferred in SGD and EUR will be converted to USD (for transactions in USD), using DBS bank treasury rate.

How can I invest?

To invest in the platform you must complete the onboarding process and have available funds in the escrow account. You can choose to invest either by manually selecting available debentures or leaving the investment to our automatic matching mechanism. Tranches of debentures will be offered regularly at our platform and you must purchase the debentures during the subscription period.

  • Manual investment: You can select which debentures you would like to purchase. You can compare debenture details such as term, interest rate, and alternative lender information to determine which debentures you prefer.
  • Automated investment: Relying on the Auto-Invest tool, you can define criteria that allow the system to automatically purchase the debentures matching those determined criteria.
What are the terms of the debentures offered at the platform?

Debentures issued at the platform have flexible terms (from 3 to 36 months) with interest being paid on a monthly or another basis. The interest rate reflects the maturity and risks associated with the debenture and is currently ranging from 9.0% to 15.0% p.a.

How is interest calculated?

All interest rates are expressed as annual figures. Interest is calculated based on the amount that you have invested to purchase the debenture on a respective day. The formula for calculating interest is as follows: Invested amount * Period of holding the debenture (Days) * Interest rate (%) p.a. / 365.

How often investors will get paid?

Repayments to investors are scheduled to occur according to the terms of the particular debenture. Please always check the payment schedule of each transaction to determine the exact dates of the repayment. The generated income can be reinvested or withdrawn. All transactions can be reviewed at the KILDE’s platform at any time.

Can I cancel an ongoing investment?

The investor is allowed to cancel the subscription request before the funds' settlement which occurs once a week. However, once the purchase of the debenture is settled, the investor can not cancel the investment transaction.

What is the minimum amount that can be invested in the platform?

The platform works based on pre-funded wallets. Investors can have access to the debentures through a minimal investment of $100.00.

What fees are applicable?

KILDE charges investors a fee of 0.5% p.a. on investment outstanding. For institutional investors, who invest above $5,000,000 the fee is waived. Also, we have a progressive fee revenue sharing scheme with investors in place. Please, get in touch with our sales team to find out more.

How long is the invested fund "locked-in"?

Your funds deposited at the escrow account are available to you anytime as long as you have not committed them to a debenture purchase. Once you have committed to subscribe to a debenture, funds allocated for this purchase have been “locked” until the funds' settlement. Please, see the answer to question “3.5. Can I cancel an ongoing investment?” for more details. From the day of funds settlement, you will receive interest and repayment of the principal as per terms of the debenture. The interest income is paid regularly and these proceeds can be reinvested at the platform or withdrawn to back to your bank account.

How can investors monitor their activities?

KILDE has a user-friendly dashboard that allows investors to check their account statements and information related to the debentures being held.

What happens if an alternative lender goes out of business?

It is KILDE’s priority to provide a good selection of alternative lenders, which must fulfil a stern onboarding and credit risk assessment process. However, you should be aware that by investing through Kilde’s platform your capital is at risk. To mitigate unpleasant surprises, our team manages the risks through continuous credit assessment and loan covenants monitoring. Furthermore, most of the deals are secured by the pledge of the loan portfolio. Please, see details about the specific debenture at the platform.

What is Auto-Invest?

Auto-Invest is an advanced tool that helps investors to save time and ensure better diversification by purchasing multiple debenture tranches accordingly to a pre-determined set of criteria. Investors can create an investment portfolio profile beforehand by selecting the desirable terms, interest rates, loan originators and countries so that the system can make future purchases based on those criteria.

How does Auto-Invest work?

First, you must activate your Auto-Invest portfolio and allocate funds to this portfolio. The system will automatically filter among all the debentures listed at the platform and purchase those that meet your investment criteria. Every time a new debenture is issued, the system will evaluate if it is eligible to purchase based on your defined criteria. This feature is programmed to make the best of the allocated funds to make them work most of the time. In case there are not enough debentures at the platform meeting the specified criteria, the funds will remain allocated in your account.

How to create my Auto-Invest portfolio?

It is simple, just go to the Auto-Invest section to determine the portfolio size, diversification weight and the criteria such as terms, interest rates, loan originators and countries to be considered by the system when purchasing a debenture.

Can I stop Auto-Invest?

You can immediately edit, deactivate and delete portfolios at any time by visiting the Auto-Invest settings. The already purchase debentures will remain at your account until their maturity.

Can I use Auto-Invest and invest manually?

Yes, you can still invest your funds manually while using the Auto-Invest tool as long as you have enough available funds.f

Are there any extra costs to use Auto-Invest?

No, this is a free convenient tool provided by the platform to promote diversification and save time for the investors.

Can I use my crypto wallet to top up my wallet on Kilde?

Yes, if you registered with Kilde, and your account on the platform has been activated. If you don’t have an account with us yet, you can sign up here

Which service provider does Kilde use for payments in digital assets?

We work with TripleA - a crypto payment gateway licensed by MAS, the Monetary Authority of Singapore (Singapore’s Central Bank). The company operates in a fully compliant and regulated environment. To learn more, visit

How can I top up my wallet on Kilde using digital assets?

1. Confirm to your Kilde account manager that you wish to top up your Kilde wallet with crypto.
2. You will receive a payment link from TripleA directly to your mailbox.
(Please note that you may be requested to provide Proof of Identity on the first transaction). After you have successfully verified your Proof of Identity, you will not be asked to verify their identity on subsequent transactions as long as the provided document is still valid.
3. Submit crypto payment using the link.
4. Wait for the confirmation email of your payment from TripleA. 

Which document(s) are considered a valid Proof of Identity?

In order to verify an identity, a national ID, passport or driving license is required. You can provide your national ID, passport, or driving license as proof of identity.

Please ensure that all of the following information is visible on the document provided:
- date of birth;
- full name;
- country.

Identity check generally takes under a minute to complete. 

Which crypto currencies can I use to top up my wallet on Kilde?

You may use the following crypto currencies to top-up your Kilde wallet: Bitcoin, Ethereum and USD Tether.

What wallets do you support?

Our crypto payment service provider supports all crypto wallets on the market. TripleA offers a fully wallet agnostic crypto payment solution, meaning you are able to pay from any existing crypto wallet.

Is there a minimum top-up amount?

Yes, the minimum top up amount is USD 1,008 (USD 1,000 plus 0.8% TripleA's flat transaction fee). 

How long does it take for the top up to be processed?

Once the crypto payment has been successfully made, your payment will be confirmed within seconds. 

It may take up to 48 hours before your platform wallet is credited.

How can I withdraw funds from my wallet on Kilde back to my crypto wallet?

1. Request withdrawal from your wallet on Kilde platform and notify your Kilde account manager.
2. You will receive a payout link to your mailbox (the payout link will be available for 30 days).
3. Insert your crypto wallet address (under the link received) to receive the payout.

How long does it take for the withdrawal to be processed?

It might take up to 48 hours to process your withdrawal request. 

What are the fees that I will have to pay to use crypto for payments?

TripleA will charge a flat 0.8% fee on payments (account top-up) and on payouts (account withdrawals). 

What do I do if I make an over/underpayment?

We will receive alerts about any over or underpayment. We will reach out to you to arrange for the necessary refunds or top ups.

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