About Oxyile
Oxyile connects verified UK borrowers and investors through a glass-clear handshake flow — from KYC to GoCardless mandates and on-chain contract verification.
Get startedA 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.
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)
—
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A gamified showdown — left side shows outdated bankers, right side shows Oxyile's fast, transparent approach.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.
Our Team
A Message From Our Team
At Oxyile, we are bridging the gap between traditional fiat banking and immutable Web3 ledgers. Our mission is to democratize peer-to-peer lending, making it more transparent, secure, and accessible for everyone in the UK and beyond. Welcome to the future of finance.
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.