Your financial friend
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
Direct capital, direct repayments, zero middleman drag
Verified Investors
£248k
Incoming capital
Middle Hub
Prime Borrowers
£96k
Funding allocated
Savings vs Bank Comparator
See the direct route vs the traditional path — gamified meters show the real difference.
Traditional Bank Path
Slow · Hidden feesInvestor Yield
3.5%
Bank Spread
6%
Borrower Rate
13.5%
Example: Investor capital
£10,000.00 → £10,350.00 (approx)
The Oxyile Direct Path
Fast · TransparentInvestor Yield
9.5%
Platform Spread
0%
Borrower Rate
9.5%
Example: Investor capital
£10,000.00 → £10,950.00 (approx)
Live Verified Profiles
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
Dynamic Smart Calculator
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%
Reviews & Reputation
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.”