A digital smart-contract platform connecting verified investors and borrowers directly — typical returns ~9–10% for investors while borrowers access fair, fast funding without bank middlemen.
Interactive P2P Smart Contract Hub
Verified Investors
£248k
Incoming capital
Middle Hub
Prime Borrowers
£96k
Funding allocated
A gamified 6-step flow connecting verified investors and borrowers through smart contracts and instant matching.
Fast automated identity check for verified onboarding.
Remove hidden spreads — route returns directly to users.
Tailor lending and borrowing criteria instantly.
Instant matches within London & Cardiff communities.
Legally binding digital contract between peers.
Secure direct transfers and scheduled payouts.
See the direct route vs the traditional path — gamified meters show the real difference.
Investor Yield
3.5%
Bank Spread
6%
Borrower Rate
13.5%
Example: Investor capital
£10,000.00 → £10,350.00 (approx)
Investor Yield
9.5%
Platform Spread
0%
Borrower Rate
9.5%
Example: Investor capital
£10,000.00 → £10,950.00 (approx)
Toggle live data visibility models to inspect anonymized credit scoring, risk tiers, recent transactions, and collateral metrics.
Borrower • South Wales
P-1
Low
Tier
Credit Score (anonymized)
720
SME • London
P-2
Medium
Tier
Credit Score (anonymized)
650
Investor Pool A
P-3
Diversified
Tier
Credit Score (anonymized)
—
Active borrowers and investor pools — verified badges, credit tiers, and recent success metrics.
Sarah M.
Borrower · Cardiff
Rating 4.9/5
Requested / Pooled
£15,000.00
John D.
Investor · London
Rating 4.8/5
Requested / Pooled
£50,000.00
H. Patel
Borrower · London
Rating 4.7/5
Requested / Pooled
£8,000.00
Investor Pool B
Investor · Cardiff
Rating 4.85/5
Requested / Pooled
£120,000.00
M. Evans
Borrower · Cardiff
Rating 4.92/5
Requested / Pooled
£22,000.00
L. Brown
Investor · London
Rating 4.75/5
Requested / Pooled
£30,000.00
Essential tools to negotiate, secure, and manage peer-to-peer lending with transparency.
Direct peer negotiation with private offers and counters — gamified bidding for best returns.
Custom monthly splits, early repayment options, and milestone schedules.
Secure in-platform messaging with identity-verified participants.
Escrow controls and milestone-based releases to protect both parties.
Trade loan slices with instant settlement and transparent fees.
Live dashboards for portfolio health, repayment forecasts and stress tests.
A gamified showdown — left side shows outdated bankers, right side shows Oxyile's fast, transparent approach.
Average investor yield
3–4%
Projected investor yield
9–10%
Bank-level protections and rigorous operational controls to keep capital and data secure.
End-to-end encryption for all data in transit and at rest.
Client funds held separately in regulated Tier-1 banking partners.
Real-time heuristics and ML models to identify suspicious activity.
Audited contract logic with formal verification for payment flows.
24/7 SOC monitoring, incident response, and breach simulations.
Full GDPR compliance with encrypted data vaults and access controls.
FCA authorisation application in progress. Committed to all strict UK financial standards.
Claim Up To 50% UK Income Tax Relief
Oxyile is officially eligible under the UK Government's Seed Enterprise Investment Scheme (SEIS). Angel investors and venture builders can claim up to 50% upfront income tax relief on platform equity investments, alongside significant Capital Gains Tax (CGT) exemptions. Fuel high-growth UK lending infrastructure while optimizing your tax efficiency. Capital at risk.
FinTech Wales Member
Official member listing (external)
PCI-DSS Compliant
Cardholder data standards for secure payments
UK GDPR Data Vault Compliant
Data residency and strict access controls
ICO Registered Data Controller
Registered with the Information Commission's Office
SEIS Eligible Company
Potential tax reliefs for eligible investors (up to 50%)
FCA Status
Oxyile is currently applying for FCA authorisation. We remain committed to meeting the highest regulatory standards and will publish updates when authorisation is granted.
Adjust sliders to preview monthly payments, total repayment and estimated investor ROI (all values shown in £).
Monthly EMI
£480.49
Total Repayment
£17,297.79
Total Interest
£2,297.79
Saved vs Typical Bank (≈13.5%)
£1,027.26
Estimated Investor ROI (annualised)
5.11%
Rated 4.9/5 based on verified platform exits.
AAmelia R.
Cardiff“Oxyile funded our small expansion within 24 hours — seamless and fair.”
OOliver K.
London“Investor returns were clear and predictable — excellent platform UX.”
HHannah S.
Cardiff“No hidden fees, and support helped structure our repayment plan.”
PPriya D.
London“Transparent process and great communication — recommended for SMEs.”
EEthan M.
Cardiff“Secondary market allowed me to rebalance quickly with low fees.”
SSophie L.
London“Verified lenders were helpful and offered competitive rates.”
MMarcus T.
Cardiff“Smart contracts made payouts fast and reliable.”
LLiam B.
London“Smooth KYC and great onboarding experience.”
Leadership
A founding team united by one vision: to rebuild peer-to-peer lending in the UK with institutional-grade compliance, human-centred design, and technology that connects verified capital to real opportunity—fairly, transparently, and at scale.
CEO
Preet founded Oxyile with a clear conviction: UK savers and borrowers deserve a marketplace built on transparency, not opacity. He leads strategy, regulatory engagement, and partnerships—shaping a platform where every loan is traceable, every risk is disclosed, and trust is earned through action, not marketing.
Director
Jay steers operations, governance, and growth across London and Cardiff—ensuring Oxyile scales responsibly within FCA expectations. His focus is sustainable unit economics, rigorous onboarding, and a culture where compliance and customer outcomes sit at the same table.
Developer
Priyanshu architects the technology that powers Oxyile end to end—from secure KYC flows and admin tooling to Polygon smart-contract hooks and GoCardless fiat rails. He builds for reliability, auditability, and a premium experience that feels as polished as a Tier-1 fintech.
Answers to common questions about defaults, smart contracts, fees, SEIS, and more.
Default procedures include automatic collection attempts, collateral enforcement where applicable, and fair recovery processes in line with UK regulation.