Your financial friend

with benefits!

A digital smart-contract platform connecting verified investors and borrowers directly — typical returns 10% for investors while borrowers access fair, fast funding without bank middlemen.

Get Started How it works

Interactive P2P Smart Contract Hub

Direct capital, direct repayments, zero middleman drag

Live network

UK'S DIRECT LENDING ECOSYSTEM

Verified Investors

£248k

Incoming capital

+12.4%

Middle Hub

Direct Yield: 9.2% p.a.

0% Bank Spread Bypassed

Prime Borrowers

£96k

Funding allocated

Live

Incoming repayments detected

Contract matched in 24h

The Oxyile Protocol

How The Oxyile Protocol Works

A regulated, asset-backed lending loop designed for trust, speed, and predictable outcomes.

Smart Handshake Matching

Borrowers and Investors are perfectly matched based on verified collateral and capital requirements.

FCA-Compliant Escrow

Funds are securely routed through regulated Client Money accounts, ensuring zero peer-to-peer friction.

Fixed 10% APY

Investors enjoy predictable, collateral-backed returns while borrowers get fair, transparent liquidity.

OxyileHandshake.sol

contract OxyileHandshake {
  struct LoanAgreement {
    bytes32 deedHash;
    uint256 principal;
    uint8   emiStatus;
    address collateralRef;
  }

  mapping(bytes32 => LoanAgreement) public ledger;

  function mintAgreement(
    bytes32 handshakeId,
    uint256 amount,
    bytes32 deedOfCharge
  ) external onlyEscrow {
    ledger[handshakeId] = LoanAgreement({
      deedHash: deedOfCharge,
      principal: amount,
      emiStatus: 1,
      collateralRef: msg.sender
    });
    emit AgreementSecured(handshakeId);
  }
}

Immutable hashPolygon AmoyDeed of Charge

Immutable Web3 Security

Secured by Polygon Layer-2

Every loan agreement, EMI status update, and Deed of Charge is hashed and stored immutably on the blockchain — verifiable on a public explorer, yet fully abstracted behind a frictionless Web2 experience for borrowers and investors.

On-chain audit trail for regulators and institutional partners
Polygonscan-verified contract proofs without exposing private keys
Web3 resilience queue retries mints when the network is unavailable

Asset-backed lending

The Collateral Advantage

Every penny lent on Oxyile is anchored to real-world security — not speculative promises.

Property Backed

Loans are secured against verified real estate and high-value assets, with LTV ratios monitored in real time to protect investor capital.

Guarantor Backed

Optional co-signers undergo E-Sign and KYC verification, creating legally bound guarantor liability that further reduces default exposure.

Trust & transparency

Built for real-world lending

Oxyile pairs verified UK borrowers and investors with bank-grade security, audited smart contracts on Polygon, and fixed 10% platform returns — so every handshake is transparent, traceable, and fair.

256-bit AES encryption for data at rest and in transit
FCA-aligned onboarding and risk disclosures
GoCardless-powered secure fiat collections

Savings vs Bank Comparator

See the direct route vs the traditional path — gamified meters show the real difference.

Traditional Bank Path

Slow · Hidden fees

Investor Yield

3.5%

Bank Spread

Borrower Rate

13.5%

Example: Investor capital

£10,000.00 → £10,350.00 (approx)

The Oxyile Direct Path

Fast · Transparent

Investor Yield

9.5%

Platform Spread

Borrower Rate

9.5%

Example: Investor capital

£10,000.00 → £10,950.00 (approx)

Investors typically earn 10% on Oxyile

Live Verified Profiles

Active borrowers and investor pools — verified badges, credit tiers, and recent success metrics.

Sarah M.

Borrower · Cardiff

Verified

Rating 4.9/5

Requested / Pooled

£15,000.00

Credit Tier

A+

John D.

Investor · London

Verified

Rating 4.8/5

Requested / Pooled

£50,000.00

Credit Tier

Pool

H. Patel

Borrower · London

Verified

Rating 4.7/5

Requested / Pooled

£8,000.00

Credit Tier

Investor Pool B

Investor · Cardiff

Verified

Rating 4.85/5

Requested / Pooled

£120,000.00

Credit Tier

Diversified

M. Evans

Borrower · Cardiff

Verified

Rating 4.92/5

Requested / Pooled

£22,000.00

Credit Tier

L. Brown

Investor · London

Verified

Rating 4.75/5

Requested / Pooled

£30,000.00

Credit Tier

Individual

Dynamic Smart Calculator

Adjust sliders to preview monthly payments, total repayment and estimated investor ROI (all values shown in £).

Loan Amount (£1,000 - £50,000)

£15,000.00

Interest Rate (3% - 15%)

9.50%

Loan Tenure (6 - 60 months)

36 months

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%

Compare Investors

Reviews & Reputation

Rated 4.9/5 based on verified platform exits.

A
Amelia R.
Cardiff
“Oxyile funded our small expansion within 24 hours — seamless and fair.”
Verified loan volume£25,000

O
Oliver K.
London
“Investor returns were clear and predictable — excellent platform UX.”
Verified loan volume£50,000

H
Hannah S.
Cardiff
“No hidden fees, and support helped structure our repayment plan.”
Verified loan volume£12,500

P
Priya D.
London
“Transparent process and great communication — recommended for SMEs.”
Verified loan volume£18,000

E
Ethan M.
Cardiff
“Secondary market allowed me to rebalance quickly with low fees.”
Verified loan volume£8,200

S
Sophie L.
London
“Verified lenders were helpful and offered competitive rates.”
Verified loan volume£32,000

M
Marcus T.
Cardiff
“Smart contracts made payouts fast and reliable.”
Verified loan volume£6,500

L
Liam B.
London
“Smooth KYC and great onboarding experience.”
Verified loan volume£20,000