Guide 6 min read
Oxyile editorial
11 May 2026
How P2P lending is reshaping UK borrowing
Peer-to-peer lending connects verified investors with creditworthy borrowers — often with clearer terms than legacy channels.
Insights
Blogs / Insights
Fintech articles, market updates, and HR-approved editorial from the Oxyile team.
Market 4 min read
Oxyile editorial
8 May 2026
Market update: inflation, rates, and investor demand
A snapshot of how macro conditions influence P2P yields and borrower affordability in 2026.
Strategy 8 min read
Oxyile editorial
3 May 2026
Building a balanced investor portfolio in 2026
Diversification, ticket sizing, and reinvestment discipline for retail P2P investors.
Web3 7 min read
Oxyile editorial
28 Apr 2026
Why Web3 audit trails matter for P2P lending
On-chain handshake records complement fiat rails — they do not replace KYC or GoCardless collections.
Payments 5 min read
Oxyile editorial
25 Apr 2026
GoCardless and automated EMI collections explained
How borrowers authorise mandates and how Oxyile schedules monthly subscriptions after contract activation.
Product 6 min read
Oxyile editorial
22 Apr 2026
Inside the Oxyile smart-contract handshake flow
From in-chat proposal to “Bank Linked, Contract Minted, Auto-EMI Active” in one guided journey.
Compliance 5 min read
Oxyile editorial
18 Apr 2026
KYC and trust signals on modern P2P platforms
Manual review, document vaults, and role separation keep retail and admin experiences safely isolated.
Design 4 min read
Oxyile editorial
14 Apr 2026
Designing premium fintech UX with glassmorphism
Transparent layers, motion, and mobile-first nav make complex lending flows feel approachable.
Borrowing 6 min read
Oxyile editorial
10 Apr 2026
Borrower affordability checklist before you accept a loan
Stress-test EMI against rent, bills, and emergencies before tapping Approve on a handshake.
Investing 7 min read
Oxyile editorial
6 Apr 2026
An investor diversification playbook for 2026
Ticket sizing, sector spread, and duration ladders for retail P2P portfolios on Oxyile.