Data Encryption
All sensitive profile, KYC, and collateral documents are encrypted at rest and in transit using bank-grade 256-bit AES. Access is restricted through role-based policies, with admin audit trails for every compliance action.
Enterprise security
Your trust is our infrastructure
Oxyile is engineered for regulated peer-to-peer lending — combining cryptographic data protection, on-chain contract integrity, and institutional payment rails.
FCA Compliance & Risk Management
Oxyile operates with FCA authorisation in progress. Our onboarding enforces UK KYC, appropriateness testing for investors, affordability checks for borrowers, and mandatory risk disclosures before any handshake is initiated.
Smart Contract Audits (Polygon)
Loan handshakes are immutably recorded on the Polygon network. Contract logic is reviewed for re-entrancy, access control, and settlement integrity. Transaction hashes are surfaced in admin dashboards for full auditability.
Secure Payments (GoCardless)
Fiat collections and Direct Debit mandates are processed through GoCardless, a regulated payments provider. Borrower mandates are tokenised — Oxyile never stores raw card or bank credentials on platform servers.
Questions about our security posture? Contact our compliance team at oxyilemoneyquest.support@gmail.com
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