How can we help?
KILDE is a trusted and regulated investment platform designed to help individuals grow their wealth safely and strategically. We help individuals, financial professionals, businesses, and institutions in connecting them to high-quality private credit deals that provide reliable monthly income, often yielding returns significantly higher than traditional bank offerings.
Our platform is user-friendly, and our expert advisors are always available to provide guidance and support. Whether you're new to private credit or a seasoned investor, we ensure a straightforward and transparent experience.
At KILDE, we are committed to making smart, accessible, and rewarding investments available to all.
Investors can view live deals directly on the platform and access each one to proceed with their investment. Upon investment, they will be issued debt securities (debentures).
KILDE oversees the entire investment process, including deal arrangement, collection of interest payments from borrowers, distribution of interest to investors, providing regular updates, managing investor withdrawals, and handling the finalization of investments upon maturity.
KILDE acts as the sole intermediary between investors and the institutions it funds, reducing costs compared to traditional models that involve multiple intermediaries, each charging fees. Our end-to-end platform streamlines operations, allowing us to pass on more of the interest earned directly to investors.
We use advanced AI tools to assess the risk of payment defaults, approving only about 9% of potential borrowers who meet our strict criteria. In the unlikely event of a default, KILDE can enforce the collateral securing the deal, typically by managing or selling the institution’s loan portfolio, reducing risks for investors. To date, all interest and principal from KILDE-funded institutions have been paid as expected, demonstrating our strong risk management approach.
KILDE also offers additional benefits:
- It democratizes access to investments that were previously unavailable to private investors, broadening investment opportunities for a wider audience.
- The institutions we fund often provide financial support to underserved individuals, helping improve economic opportunities for them and their families.
Yes, KILDE PTE LTD is incorporated in Singapore under registration no. 201929587K and holds a Capital Markets Services Licence (CMS101016) ↗ issued by the Monetary Authority of Singapore to deal in capital markets products under the Securities and Futures Act (Cap. 289). KILDE is also an Exempt Financial Adviser under the Financial Advisory Act.
In the unlikely event that KILDE decides to cease operations, we will stop accepting new investments and cancel the issuance of new debentures. The platform will continue to operate until all investments have matured and all investors have received their due payments.
KILDE investments:
- Outperform traditional fixed-income investments
- Provide regular stable income with opportunities to exit
- Are backed by real recoverable assets
- Provide peace of mind for you as an investor because KILDE holds a Singapore Capital Market Services (CMS) licence
The unique combination of strong performance, income stability, liquidity, and lower risk makes KILDE investments stand out.
Here’s a deeper look at our approach, with a comparison to other available products in the market:
Performance
- KILDE offers 11%–15% annualised returns with steady monthly or quarterly payouts—balancing performance with income stability.
- Bank Deposits & Bonds yield 1%–6% annually with lower risk, but limited growth.
- Stocks may deliver higher returns but are volatile and subject to market and economic swings.
- Cryptocurrency is highly unpredictable, with sharp price swings and no asset-backed security.
Capital Protection
- KILDE prioritizes risk mitigation: in the event of a default, our investors are first in line to receive repayment. Our senior-secured debentures, backed by the loan portfolios of borrowers, are typically supported by 1.6 times the value of the investment, providing a cushion against potential losses.
- Do note that capital is not guaranteed.
Regular stable income
- Whereas most investment products rely on capital appreciation i.e. growth of value over time, KILDE gives investors consistent monthly or quarterly cash income - ideal for investors looking for regular income payouts.
Early Withdrawal Capability
- Most KILDE investments offer early withdrawal options every 3-6 months, providing greater liquidity compared to traditional private credit funds. Please review the early withdrawal schedule for each investment to understand the available options.
Backed by Cash Collateral
- Backed by Cash Collateral
- KILDE has maintained a 0% default rate since 2021, owing to our rigorous credit screening and continuous financial monitoring.
- While High-Yield Bonds and P2P Lending offer similar returns, they lack the structured collateral protections provided by KILDE, potentially exposing investors to default risks.
- Crypto and speculative investments carry significant downside risks, with no underlying security or asset backing.
Regulatory oversight & investor protection
- Unlike unregulated private offerings, KILDE operates under Singapore’s Capital Market Services (CMS) and Financial Advisory (FAA) licence, ensuring compliance with strict financial regulations
Kilde is able to onboard Accredited Investors, Expert Investors, businesses and financial institutions as outlined by the Singapore's Securities and Futures Act (SFA) and its associated regulations.
1. Individual/Accredited Investors
Individual/Accredited Investors are individuals who meet specific wealth or income criteria. They are considered sophisticated investors subject to fewer regulatory protections than retail investors.
An individual qualifies as an Accredited Investor if they meet at least one of the following conditions:
- Income: earned income of at least SGD 300,000 in the past 12 months
- Net Personal Assets: at least SGD 2 million, including primary residence (capped at SGD 1 million)
- Net Financial Assets: at least SGD 1 million in cash, deposits, investment products, or other acceptable financial instruments
To be treated as an Accredited Investor, an individual must opt-in to be treated as such.
2. Expert Investors
Expert Investors are individuals who are considered to have sufficient expertise in financial investments to not require the same level of regulatory safeguards as retail investors.
An individual qualifies as an Individual/Expert Investor if:
- Their business involves the acquisition and disposal of investment products (whether as principal or agent), for example they are a proprietary trader, fund manager, or investment analyst
- They are licensed or regulated under the SFA or Financial Advisers Act (FAA), for example, they are a fund manager, or investment professional registered with the Monetary Authority of Singapore (MAS)
- They are an employee of a financial institution whose role relates to investment management or financial advisory activities. This may include directors, partners, and senior executives of investment firms who oversee fund management or advisory services
Unlike Accredited Investors, Expert Investors do not need to meet specific wealth or income thresholds. Instead, their classification is based on their professional expertise and role.
3. Corporate/Accredited Investor
Corporate/Accredited Investors are businesses which meet specific wealth or income criteria. They are considered sophisticated investors subject to fewer regulatory protections than retail investors.
A business qualifies as a Corporate/Accredited Investor if it meets either of the following conditions:
- Net Assets: at least SGD 10 million in total net assets
- Net Financial Assets: at least SGD 1 million in cash, deposits, or investment securities
Unlike individual investors, Corporate/Accredited Investors do not need to opt-in to being treated as an Accredited Investor.
4. Institutional Investors
Institutional investors are typically large financial institutions or entities that meet specific legal criteria. They are granted the broadest access to financial markets with minimal regulatory protection.
Institutional Investors are:
- Banks, finance companies, and insurers licensed under Singapore laws
- Capital market services licence holders, such as fund managers and brokerages
- Investment companies and pension funds
- Sovereign wealth funds and government agencies
- Entities fully owned by an institutional investor
Institutional Investors do not need to opt in to be treated as such: they are automatically classified based on their nature.
The KILDE platform guides each investor through the onboarding process according to their classification.
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 (sales@kilde.sg).
To create an account with Kilde and begin investing, you need to provide the following types of documents:
The Onboarding section of the KILDE platform guides you on which documents are required for each case, and our team is always ready to support you for a smooth onboarding experience.
Upon completion of your onboarding, you will receive the account details for depositing funds, along with instructions on how to transfer funds into your KILDE account.
KILDE partners with a third-party escrow agent to oversee all financial transactions. Investors' funds are held in an escrow account managed by the licensed trust, Perpetual (Asia) Limited, acting as the escrow agent.
An escrow account is a secure, segregated account used to hold client funds, managed by an independent escrow agent. This ensures that client funds are kept separate from KILDE’s own assets, providing protection and clear identification at all times.
You can request a partial or full withdrawal of funds from your account at any time via the KILDE platform dashboard. Please note that depending on the destination country, it may take several business days for the payment to be processed and reach you.
We accept deposits in USD, SGD, and EUR. If you wish to invest in USD but wish to deposit in SGD or EUR, you can easily request a currency exchange on the KILDE dashboard.The exchange rate used would be the DBS preferential rates.
You can invest manually or set up automatic investments by creating your own investment strategy. Do note that once each deal has raised the funds it needs, it will close for further investment, and you will be unable to invest in it further unless an existing investor redeems the deal early.
This largely depends on an investor’s investment preference which could be influenced by factors such as geographical exposure, return rates, tenure and currency of choice. At Kilde, we host deals that are denominated in SGD, USD and EUR.
Additionally, we provide essential documents, including the Information Memorandum for each deal, ensuring investors have a comprehensive understanding of the investment. You can also reach out to your respective relationship manager for a proposal.
All interest rates are expressed as annual figures. Daily interest is calculated as annual interest/365.
An investor can refer to the “Next interest payment” available on the respective deal pages. Received interest payments can be either reinvested or withdrawn. The frequency of interest payments varies by deal, with most paying either monthly or quarterly.
There are two stages in the investment process: "Committed" and "Settled." Until 6:00 PM SGT on any business day, you’re free to cancel the investment if you change your mind. At 6:00 PM SGT each business day, all committed investments are reviewed and confirmed. Once settled, your investment becomes active and is no longer cancellable. Depending on the specific deal, you may still be able to request an early withdrawal through the platform after settlement.
We do not impose a minimum investment requirement; however, please note that each bond is denominated in units of 100 USD, SGD, or EUR, depending on the currency of the respective tranches. For meaningful returns on investment, we recommend a minimum investment of 10,000 USD, SGD, or EUR.
KILDE charges a fee of 0.5% p.a. on total investments outstanding. The fee is deducted pro-rata from the regular payments made to you.
Investments typically have a fixed tenure of 12 to 36 months, but many deals offer early withdrawal options that may shorten your investment period. For specific early withdrawal dates, kindly refer to the respective deal pages.
The KILDE platform provides a user-friendly dashboard that allows you to easily monitor and manage your investments at any time.
KILDE maintains a rigorous risk management process, accepting only about one in ten borrowing institutions that approach the platform. To date, none of the accepted institutions have defaulted or gone out of business. Our team conducts continuous credit risk assessments and actively monitors changes in risk.
In the event that a KILDE-funded institution goes out of business, KILDE can enforce the collateral securing the deal by taking control of the institution's loan portfolio. This allows us to either manage, sell, or wind down the portfolio, which may include recovering collateral from the institution's end-customers. While capital recovery cannot be fully guaranteed, KILDE is well-positioned to take decisive action to maximize the recovery of investors’ funds.
Auto-Invest helps investors diversify their investments through multiple deals that meet a predetermined criteria or investment strategy. Investors create their own investment strategy by selecting the desirable terms, interest rates, institutions to fund, and countries for investment.
The platform will then automatically allocate future investments based on this strategy, eliminating the need for repeated analysis and frequent platform visits.
Do note that manual investments take priority over autoinvestments.
Once your investment strategy is set up and sufficient funds are available in your wallet, Auto-Invest will automatically allocate accordingly to your strategy.
Auto-Invest can be deactivated or reactivated at any time.
Navigate to the Auto-Invest tab on the Investments page. Click "Create Strategy" and select your desired investment criteria. Allocate the funds, and the platform will then automatically filter the available deals, purchase those which meet your investment strategy, and add them to an investment portfolio for you.
Yes, you can edit, deactivate and delete strategies at any time via the Auto-Invest settings. Investments made to date with Auto-Invest will remain unaffected.
Yes, you can still invest your funds manually using the Auto-Invest tool as long as you have enough funds available.
Auto-Invest is a free tool provided by the platform to help promote diversification, saving you valuable time and effort in managing your investments.
Withholding tax refers to the tax deducted at source on certain payments made to non-residents of Singapore. It is designed to ensure that non-residents fulfill their tax obligations on Singapore-sourced income.
In Singapore, entities such as KILDE are legally required to withhold a portion of payments made to non-residents and remit it directly to the Inland Revenue Authority of Singapore (IRAS). The withholding tax rate varies depending on factors such as the recipient's country of residence and the existence of a tax treaty between Singapore and that country.
For KILDE investors, withholding tax may apply to interest payments from Singapore-based entities, though not all deals are subject to this tax.
No, withholding tax does not apply to payments made to residents of Singapore.
KILDE will withhold the applicable tax from your interest payments at the appropriate rate and remit it directly to the Inland Revenue Authority of Singapore (IRAS) on your behalf.
The withholding tax rate varies depending on factors such as the recipient's country of residence and the existence of a tax treaty between Singapore and that country. You can refer to those rates here ↗.
Withholding tax will apply if:
- The issuer of the debenture is based in Singapore, or
- The debenture is issued from a Singapore-based Special Purpose Vehicle (SPV)
For deals where the issuer is not based in Singapore and the debenture is not issued from a Singapore-based SPV, withholding tax will not apply.
For detailed guidance on the tax treatment of interest income for individuals in Singapore, please refer to the Inland Revenue Authority of Singapore (IRAS) webpage titled "Interest." This resource provides comprehensive information on taxable and non-taxable interest, including examples and reporting requirements.
You can access this guidance directly here ↗.
Please note that while this page offers valuable insights, it may not explicitly reference Section 13(1)(zh) of the Income Tax Act. For specific legal provisions, consulting the Income Tax Act or seeking professional tax advice is recommended.
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