FAQs

No. Once Auto-Invest has subscribed to a bond, it follows the same settlement process as a manual investment. Auto-Invest and manual subscriptions settle together during the normal tranche settlement process.

No. Auto-Invest only subscribes to bonds that strictly match the parameters you have set. Early-redemption requests are manual actions you initiate to free up capital.

There are two stages in the investment process: "Committed" and "Settled." Until 6:00 PM SGT on any business day, you can cancel a committed investment. At 6:00 PM SGT each business day, all committed investments are reviewed and confirmed. Once settled, an investment becomes active and is no longer cancellable, although depending on the deal, you may still request an early redemption through the platform after settlement.

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.

Yes. Manual investing and Auto-Invest can be used together.

Both draw from the same wallet balance in the same currency. If you invest manually after Auto-Invest has identified an opportunity but before the Auto-Invest order is executed, your manual investment may reduce the funds or tranche availability that Auto-Invest would otherwise have used.

A manual investment can therefore overtake an Auto-Invest order while it is still awaiting execution. Once an Auto-Invest subscription has been executed and reserved, a later manual investment does not displace it.

Yes. Kilde supports joint accounts for investors who wish to include a spouse, partner, or family member as an owner of their investment account.

Yes. You can:

• edit a strategy
• pause and reactivate it
• delete it

Changes affect future Auto-Invest behaviour only. Investments already made through that strategy remain in your portfolio and continue through their normal lifecycle, including any scheduled early-redemption windows.

Yes. Your joint account holder can place investments through the joint account once they have:

• completed KYC (identity verification), and
• agreed to be treated as an Accredited Investor (AI) for that joint account (AI opt-in)

If the joint account holder does not opt in as an AI, the joint account will be classified as a retail investment account, and access to Accredited Investor products will be limited.

No. IRAS requires a COR that meets the criteria above.

Other documents (residence permits, tax payment slips, etc.) won’t be accepted for treaty relief.

Usually, they are largely independent because each strategy only uses the wallet balance in its configured currency. However, strategies in different currencies can still target the same borrower. Borrower exposure limits are considered when Auto-Invest sizes an order, so multi-currency strategies should not be treated as completely isolated from one another.

No. Auto-Invest only subscribes to bonds that strictly match the parameters you have set in the strategy. It does not sell bonds to rebalance your position.

No — Auto-Invest itself does not add a separate usage fee.

Investments made through Auto-Invest follow the same subscription flow as manual investments, so the standard economics of the selected bond still apply. This includes any investor subscription fee, accrued interest, GST (where applicable), and the discount mechanics for that product.

In short:

• no extra fee for using Auto-Invest as a feature
• normal investment charges, where applicable to the selected bond, still apply

No, withholding tax does not apply to payments made to residents of Singapore.

Yes. When you create or update an Auto-Invest strategy, the platform requires acceptance of the Auto-Invest terms and generates a note of acceptance for that strategy. Individual investments made later by Auto-Invest will then use the standard investment subscription and settlement process.

They can all be active and considered during the same Auto-Invest cycle. They are not allocated in a round-robin or equal-share manner: earlier-executed strategies may consume the wallet balance or the matching tranche capacity before later-executed strategies are processed.

You typically apply via your home country’s tax authority after 31 December for the prior calendar year.

Examples of portals & typical timelines:

Auto-Invest uses the same subscription offer and execution logic as a manual investment. When an Auto-Invest order is executed, the amount reserved from your wallet may include:

• accrued interest, if the subscription settles after the start of the current coupon period
• the investor subscription fee, if applicable to your investor fee settings
• GST, where applicable

The platform checks your wallet against the full subscription cost. If the available balance is insufficient, the order may be reduced or not executed.

If you have more than one active strategy, they do not run as fully independent portfolios. The platform considers all active strategies and assigns a priority sequence based on recent execution history:

• strategies executed more recently are considered first
• strategies that have never been executed are considered next
• if two strategies share the same execution history, there is no user-facing priority rule to rely on

The KILDE platform dashboard lets you monitor your investments, scheduled coupon payments, and upcoming early-redemption windows at any time.

Once a strategy is active, the platform checks the listed bonds against the strategy's criteria. When a matching bond is found, Auto-Invest places an order and executes it through the same subscription flow used for manual investments. A strategy only invests in bonds that match its configured currency and filters.

In practice, Auto-Invest is triggered when:

• a new eligible bond is listed
• you activate or update an Auto-Invest strategy
• a fresh deposit is credited to your wallet
• the scheduled Auto-Invest run takes place if scheduled Auto-Invest is enabled

Each Auto-Invest strategy is single-currency. A strategy only matches bonds in its configured currency and uses wallet funds in that same currency.

In practice:

• a USD strategy only invests in USD bonds using USD wallet balance
• an SGD strategy only invests in SGD bonds using SGD wallet balance
• a EUR strategy only invests in EUR bonds using EUR wallet balance

Strategies in different currencies are largely independent from a funding perspective because they use separate wallet balances. They still run through the same Auto-Invest engine and queue, so there is no separate "currency priority" layer that guarantees one currency runs before another.

Investors view live deals on the platform and subscribe directly. On settlement, debt securities (debentures) are issued in the investor's name.

KILDE manages the full investment lifecycle: deal arrangement, collection of interest from the borrowers, distribution of monthly or quarterly cash coupons to investors, performance reporting, processing of investor withdrawals, and final repayment at maturity.

WHT may apply to interest if the issuer is Singapore-based or the debenture is issued from a Singapore-based SPV.

If neither is Singapore-based, WHT doesn’t apply.

Choice usually comes down to investor preference: geographical exposure, return rate, tenor, currency, and the early-redemption schedule that fits your liquidity needs. Kilde lists deals denominated in SGD, USD, and EUR.

We also provide the supporting documents you need for your own analysis, including the Information Memorandum for each deal. You can also reach out to your relationship manager for a tailored proposal.

1. The primary account holder onboards first as an Accredited Investor. 2. Once the account is active, contact the Kilde team ([[email protected]](/cdn-cgi/l/email-protection#3645575a5345765d5f5a5253184551)) to request conversion to a joint account. 3. Provide the details of your joint account holder. 4. Kilde will send a separate KYC link to the joint account holder for identity verification. They must also sign an Accredited Investor (AI) opt-in consent form. 5. After verification, the joint account holder's name will be added to the account title (for example, "John Tan/Mary Tan"), but the login remains tied to the primary holder's email and two-factor authentication. 6. Kilde will confirm once the joint account designation is complete.

Creating an account is simple. Click "Create Account" on our website, or click "Join" in the top navigation, and complete the registration form.

You will receive an email with a verification link. Once verified, you can log in to your Kilde account and complete the steps required to activate your account and start investing.

You must be an accredited or institutional investor, as classified by the Monetary Authority of Singapore, to invest with us. After registration, you will be asked to complete a short questionnaire to confirm your eligibility and provide supporting documents.

For institutional investors, a member of our investor relations team will reach out to discuss the required corporate documents.

If you are a lending institution (a prospective borrower) interested in funding through Kilde, our team conducts a due diligence process to determine whether your company meets the platform's minimum requirements. Please contact our sales team ([[email protected]](/cdn-cgi/l/email-protection#750614191006351e1c1911105b0612)).

Go to the Auto-Invest tab on the Investments page and click "Create Strategy." Select your investment criteria, allocate the funds, and the platform will automatically filter live deals, subscribe to the bonds that match your strategy, and add them to your portfolio.

Once onboarding is complete, you will receive your account details and step-by-step deposit instructions.

Your funds are held in a Client Monies safeguarding account at DBS Bank Singapore. This structure ensures your assets are strictly separated from KILDE's operational funds at all times.

For security, all transfers must be initiated by you on the platform. We also operate a horizontal segregation of duties: no Kilde employee can initiate a withdrawal or transfer of your funds.

Timing notes for fund transfers:

• Payments from a DBS personal bank account are usually reflected in your KILDE wallet in near real-time.
• Transfers from other Singapore-based banks, whether via bank transfer or PayNow, are generally reflected immediately.
• PayNow transfers from DBS and non-DBS bank accounts usually reflect almost instantly unless otherwise stated.
• In rare cases, there may be slight delays due to external factors in the banking system (for example, app maintenance or interbank processing times).

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 ↗.

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.

You can invest manually or set up automatic investments by creating your own Auto-Invest strategy. Once a deal has raised the funds it needs, it closes for further investment unless an existing investor exits early through redemption.

You can request a partial or full withdrawal from your account at any time via the KILDE platform dashboard. Depending on the destination country, processing may take several business days.

KILDE investments are designed for investors who want predictable, regular income rather than uncertain capital appreciation — with the flexibility to exit early through scheduled redemption windows.

KILDE investments:

• pay reliable monthly or quarterly cash coupons at 11%–15% annualised
• offer scheduled early-redemption opportunities, typically every 3–6 months
• are senior-secured, backed by the loan portfolios of lending institutions (our borrowers)
• operate under a Singapore Capital Markets Services (CMS) licence

Here is a side-by-side view against other commonly used products:

Income vs. capital appreciation

• KILDE delivers consistent monthly or quarterly cash income — suited to investors who want their money working as a regular paycheque rather than waiting on price movements.
• Most equity, fund, and crypto products rely on capital appreciation, which is variable and not paid out as income.
• Bank deposits and government bonds yield 1%–6% annually with low risk, but limited income.

Liquidity and early redemption

• Most KILDE investments include scheduled early-withdrawal options every 3–6 months, providing meaningful liquidity compared with traditional private credit funds.
• Refer to each deal's early-withdrawal schedule for the specific dates available.

Capital protection

• KILDE prioritises risk mitigation: in the event of a default, our investors are first in line to receive repayment. Senior-secured bonds, backed by the loan portfolios of lending institutions (our borrowers), are typically supported by 1.6x the investment amount, providing a cushion against potential losses.
• Capital is not guaranteed.
• KILDE has maintained a 0.0% default rate since 2021, supported by rigorous credit screening and continuous financial monitoring.
• High-yield bonds and P2P lending may offer similar headline returns but lack the structured collateral protections KILDE provides.
• Cryptocurrency and speculative investments carry significant downside risk with no underlying security.

Regulatory oversight and investor protection

• Unlike unregulated private offerings, KILDE operates under Singapore's Capital Markets Services (CMS) and Financial Advisory Act (FAA) licences, with the compliance obligations that come with them.

The platform looks at the next scheduled bond payment and prorates that payment's interest amount by the elapsed portion of the coupon period:

• start date: the start of the current coupon period
• settlement date: the date your subscription is settled
• payment date: the next coupon payment date
• interest amount: the scheduled interest for that coupon period

If your settlement date is on or before the coupon period start date, accrued interest is zero. Otherwise, accrued interest equals the scheduled coupon interest multiplied by the elapsed-days ratio for that coupon period, rounded down to the tranche's rounding scale.

All interest rates are expressed as annual figures. The platform generates the payment schedule according to the deal's payment period and amortisation type.

For regular coupon periods:

• monthly and fixed 30-day schedules use one-twelfth of the annual rate
• quarterly schedules use one quarter of the annual rate
• annual schedules use the annual rate

If a deal has an irregular first coupon date, the first stub period is calculated using a 30/360 day-count method. The platform rounds interest according to the tranche rounding scale and carries rounding differences through the schedule so they are corrected over the life of the investment.

Accrued interest is handled separately from scheduled coupon interest. It is prorated within the current coupon period when you subscribe after that coupon period has already started.

KILDE acts as the sole intermediary between investors and borrowers, reducing costs compared with traditional models that pass through multiple fee-charging intermediaries. Our end-to-end platform allows more of the interest earned to flow directly to investors as regular income.

We use AI-supported underwriting to assess the risk of payment defaults, approving roughly 9% of eligible borrowers who apply. In the unlikely event of a default, KILDE can enforce the collateral securing the deal, typically by managing or selling the lending institution's (borrower) loan portfolio, reducing risks for investors. To date, all interest and principal from KILDE-funded borrowers have been paid as expected.

KILDE also offers additional benefits:

• It democratises access to private credit, an asset class historically reserved for institutional investors
• The lending institutions (our borrowers) we fund often serve underserved consumers and small businesses, supporting broader economic participation

For direct bond investments, the investor subscription fee is calculated as:

subscription fee = principal subscribed × investor subscription fee rate × days from settlement to maturity ÷ 365

The result is rounded down to two decimal places. If the settlement date is after the maturity date, the calculated fee is zero.

The default investor subscription fee rate in the platform settings is 0.5% p.a., but the actual rate can be configured per investor. The subscription offer shown before commitment is the source of truth for the fee that will be reserved.

Investments typically have a fixed tenor of 12 to 36 months, but most deals offer scheduled early-redemption windows that can shorten your effective holding period. For specific early-redemption dates, refer to the relevant deal page.

Auto-Invest is not only processed at settlement time. When a trigger event occurs, the platform creates placed orders for matching opportunities and processes them through the Auto-Invest execution queue.

In practice, Auto-Invest subscriptions are typically attempted shortly after the trigger event rather than waiting for the later tranche settlement event. Exact timing depends on whether event-based and scheduled Auto-Invest are enabled in the platform configuration, and on queue processing.

Portfolio size is a ceiling, not a guarantee of immediate deployment. It defines the maximum amount the strategy is allowed to invest over time. If suitable bonds are unavailable or your wallet balance is insufficient, some of that target allocation may remain undeployed in your wallet.

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.

• Option 1 (Reduced WHT): Opt for a treaty-reduced rate by committing to provide your COR. Submit the COR after year-end but before the end of February (e.g., for 2025 income: 1 Jan 2026 – 28 Feb 2026).
• Option 2 (Flat WHT): Don’t provide a COR and accept a 15% WHT.

Per IRAS, a COR must:

1. Be certified by the foreign tax authority of the non-resident.
2. Be in English (or accompanied by a certified English translation).
3. Clearly state that the person/entity is a foreign country/region resident for DTA purposes and the year(s) the COR applies to.

To create an account with Kilde and begin investing, you need to provide the following types of documents:

| Investor Type | Identification Card & Proof of Address | Proof of Income/Wealth or Payslips | Proof of Business Activities/Licences | |---|---|---|---| | Individual / Accredited | Yes | Yes | NA | | Corporate / Accredited | Yes | Yes | NA | | Corporate / Institutional | Yes | NA | Yes |

The Onboarding section of the KILDE platform guides you on which documents are required for each case, and our team is available to support you through onboarding.

For a matching bond, Auto-Invest sizes the order using the smallest of these limits:

• your wallet balance in the strategy currency
• the remaining size of the strategy portfolio
• the remaining principal available in the bond
• the remaining amount allowed under the strategy's maximum investment per borrower

This is why the actual invested amount can be lower than the strategy portfolio size or lower than the cash available in your wallet.

The platform applies different fee types depending on the product and your investor fee settings.

For direct bond subscriptions, the main investor-side fee shown in the subscription offer is the investor subscription fee. It is calculated from:

• the principal amount subscribed
• your investor subscription fee rate
• the period from the settlement date to the maturity date

The subscription offer displays the principal, accrued interest, subscription fee, and total funds to commit before you confirm the investment.

KILDE applies a rigorous risk-management process, accepting roughly one in ten borrowers who approach the platform. To date, none of the accepted borrowers has defaulted or gone out of business. Our team conducts continuous credit risk assessments and actively monitors changes in risk.

If a KILDE-funded borrower goes out of business, KILDE can enforce its collateral by taking control of that lending institution's loan portfolio. This allows us to manage, sell, or wind down the portfolio, including recovering collateral from the lending institution's (our borrower's) end-customers. Capital recovery cannot be fully guaranteed, but KILDE is positioned to act decisively to maximise recovery for investors.

You must pay the difference between what was withheld and 15%, and IRAS may impose a 5% penalty on the outstanding WHT.

Example: If 5% was withheld but no COR is provided at reconciliation, you owe the additional 10% plus a possible 5% penalty on the WHT.

In the unlikely event KILDE decides to cease operations, we would stop accepting new investments and cancel the issuance of new bonds. The platform would continue to operate until all investments matured and all investors received their due payments.

The platform checks the full subscription cost, not just the principal. The full cost can include principal, accrued interest, subscription fee, and applicable taxes. If your wallet balance cannot cover the full amount, the platform may reduce the number of bonds subscribed or show that additional funds are required.

For Auto-Invest, this means an order can match your strategy but still be ignored or reduced if the full cost cannot be covered at execution time.

If no listed bonds match your strategy, nothing is purchased. Your strategy remains active, and your funds remain in your wallet until:

• a new eligible bond is listed
• you edit the strategy
• you make a new deposit
• the next scheduled Auto-Invest run occurs, if scheduled Auto-Invest is enabled

If your wallet balance is insufficient, Auto-Invest will not complete the investment for that strategy at that moment. The strategy stays active, and the platform can try again on the next trigger event.

A strategy may match an opportunity, but still not invest because:

• your available wallet balance is too low
• your remaining portfolio size limit has already been reached
• your maximum investment limit for that borrower has already been reached
• the matching bond no longer has available principal by the time the order is executed

If the order no longer has a positive investable amount, the platform marks it as ignored with a reason such as no wallet funds, no available principal, borrower limit reached, or strategy portfolio size reached. If execution fails due to an exception during subscription, the order is marked as failed with the exception's message as the failure reason.

Auto-Invest first identifies and places potential orders, and later attempts to execute them. Between those two steps, the situation may change:

• another investor may subscribe to the bond
• you may invest manually
• your wallet balance may change
• your borrower or portfolio limits may be reached

If that happens, the Auto-Invest order may be reduced, ignored, or fail to execute.

Accrued interest is the portion of the next coupon that has already built up before your investment settles.

Example: if a bond's coupon period began before your settlement date, the existing holder or borrower has already earned part of that coupon. To make the next coupon payment fair, you pay accrued interest at subscription for the days between the coupon period start date and your settlement date. You then receive the full coupon payment on the next payment date.

Accrued interest is not an extra platform fee. It is part of the investment economics that aligns the first coupon payment between investors.

A COR (sometimes called “Certificate of Residence”) is an official document confirming the country where an individual or company is a tax resident for Double Taxation Agreement (DTA) purposes.

You must provide a COR each year to enjoy reduced WHT rates under Singapore’s tax treaties.

Other proofs (e.g., residence cards, tax paid slips) aren’t accepted for treaty benefits.

Auto-Invest lets you define one or more investment strategies in advance so the platform can automatically subscribe to future bonds that match your criteria — keeping your capital deployed and earning regular income with minimal manual effort.

Instead of reviewing every new opportunity yourself, you set your preferred currency, portfolio size, maximum allocation per borrower, interest-rate range, tenor, countries, product types, and loan originators. The platform then monitors eligible listed bonds on your behalf.

KILDE is a Singapore-regulated investment platform that helps accredited investors earn predictable, regular income from private credit — with the flexibility to exit early through scheduled redemption windows.

We connect individuals, financial professionals, businesses, and institutional investors to senior-secured private credit deals that pay reliable monthly or quarterly cash coupons, typically at returns above those of traditional bank products.

The platform is built for self-directed use, and our team is available to guide you, whether you are new to private credit or already familiar with the asset class. Every claim we make is supported by data that investors can verify themselves — that is the foundation of how we work.

We do not impose a minimum investment requirement. Each bond is denominated in units of 100 USD, SGD, or EUR, depending on the tranche's currency. For meaningful income from your investment, we suggest a starting allocation of 10,000 USD, SGD, or EUR.

Auto-Invest is best understood as an automated subscription assistant, not a guaranteed allocator. It can only invest when matching opportunities exist, and when enough wallet balance is available at the moment the order is executed.

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.

You can refer to the "Next interest payment" shown on each deal page. Coupon payments received can be reinvested or withdrawn. Most deals pay cash coupons monthly or quarterly.

Accrued interest is included in the subscription offer and reserved from your wallet when you commit funds. At settlement, the reserved accrued interest is confirmed. The settlement transaction also records accrued interest on the borrower's side, as it is part of the economics of settling into an already running coupon period.

On the first coupon payment after settlement, you receive the full scheduled interest payment. For withholding-tax calculations on Singapore-sourced interest, the platform subtracts the accrued interest you have already paid from the first interest amount when calculating taxable interest income.

A fresh deposit can trigger Auto-Invest shortly after the funds reach your wallet. The platform rechecks your active strategies and attempts to invest available wallet funds into matching bonds.

A deposit does not guarantee an investment. Auto-Invest will only invest if all of the following are true:

• the strategy is active
• an eligible listed bond is available
• you have enough wallet balance in the matching currency
• the strategy still has room within its portfolio size and borrower limits

The investor subscription fee is included in the total funds to commit. When you commit an investment, the platform reserves the fee from your wallet, together with the principal and any accrued interest. When the tranche settles, the reserved fee is confirmed and posted as platform income.

If the investment is not settled and the subscription is cancelled or reversed, the reserved subscription amounts are released or reversed through the standard subscription reversal process.

Before committing to a bond investment, the investment form shows:

• principal
• accrued interest
• subscription fee
• total funds to commit

After investing, the investor summary and investment detail views include fee expense and accrued interest expense so you can reconcile each investment's income and costs.

We accept deposits in USD, SGD, and EUR. If you wish to invest in USD but deposit in SGD or EUR, you can request a currency exchange directly on the KILDE dashboard. The exchange rate used is the DBS preferential rate.

Withholding tax will apply if:

1. The issuer of the debenture is based in Singapore, or
2. 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.

Kilde onboards Accredited Investors, businesses, and financial institutions as defined by 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 by meeting at least one of the following:

• 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.

2. Corporate/Accredited Investor

Corporate/Accredited Investors are businesses that 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 by meeting either of the following:

• 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.

3. Institutional Investors

Institutional investors are typically large financial institutions or entities that meet specific legal criteria. They have the broadest access to financial markets with minimal regulatory protection.

Institutional Investors include:

• Banks, finance companies, and insurers licensed under Singapore laws
• Capital Markets 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: they are automatically classified based on their nature.

The KILDE platform guides each investor through the onboarding process according to their classification.

• The primary account holder must be an Accredited Investor.
• The joint account holder does not need to be an Accredited Investor but must agree to be treated as such. We recommend creating an account with a spouse or another family member.
• The joint account holder must still complete KYC identity verification.

• Only the primary accredited investor has login credentials and two-factor identification access.
• The joint account holder cannot have a separate login at this stage.
• If the primary account holder is unable to manage the account, the joint account holder's legal connection is already recognised, and they may request access.

Non-resident investors (individuals or entities) seeking treaty relief on Singapore-sourced income (e.g., interest from certain deals) should submit a COR annually.

• To allow a spouse, partner, or family member to be formally recognised as a co-owner of the investments.
• To support inheritance and estate planning by linking both names to the account.

A valid COR is mandatory if you receive Singapore-sourced interest and want to use a treaty-reduced WHT rate. Without it, the default WHT of up to 15% applies.

Yes. Kilde plans to introduce multi-user logins so that both account holders can have their own logins and permissions.