Kilde
Kilde is a Singapore-based, MAS-licensed digital private credit platform that connects accredited investors, family offices, and institutions with senior secured loans originated by NBFI/fintech lenders across Europe and Asia, targeting 10–15% gross yields on collateralised deals.
- Company typePrivate
- Founded2019
- HeadquartersSingapore, Singapore
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Kilde does
Kilde (legal entity KILDE PTE LTD) is a Singapore-based, MAS-regulated digital private credit investment platform founded in 2019, operating under a Capital Markets Services licence (CMS101016) and an Exempted Financial Advisor Licence. The platform connects accredited individual investors, family offices, and institutional capital with senior secured private credit opportunities originated through a network of 20-plus vetted non-bank financial institutions and fintech lenders across Europe, Central Asia, and Southeast Asia. Investments are structured through bankruptcy-remote Special Purpose Vehicles with investor funds held in DBS Bank escrow accounts, and are secured by cash receivables collateralised at approximately 160% of invested principal; Kilde reports zero principal losses to date across over $200 million of cumulative invested capital.
The underlying technology combines a 24/7 self-serve investor dashboard (web and progressive web app) with AI-driven credit risk assessment tooling that screens NBFI-originated loan books, plus SafeBay — a blockchain-based treasury management system built on Algorand in partnership with the Algorand Foundation. Kilde monetises through a flat 0.5% annual platform management fee deducted from investor returns (gross yields of 10–15% translate to an average 12.16% net return over the trailing 12 months) and through arrangement/transaction fees on credit facilities it extends to fintech and NBFI originators (e.g., a $20M total facility to Creditstar Group and an SGD 10M facility to Fingular). The go-to-market is hybrid: a product-led digital onboarding layer (with SingPass for Singapore residents) layered on a relationship-led sales motion staffed by dedicated Head of Institutional IR and Head of HNWI Relations, supplemented by content marketing, comparison SEO, and a Kilde Talks Finance video series. The company reported AUM surpassing $127M as of September 2025 and has set a $1B AUM long-term target.
Kilde firmographics
Firmographics- Name
- Kilde
- Legal name
- KILDE PTE LTD
- Website
- https://kilde.sg
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Kilde is a Singapore-based, MAS-licensed digital private credit platform that connects accredited investors, family offices, and institutions with senior secured loans originated by NBFI/fintech lenders across Europe and Asia, targeting 10–15% gross yields on collateralised deals.
- Ownership category
- akta.pro rank
Kilde industry classification
Industry- Product category
- Private Credit Investment Platform
- NAICS
- Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)
- akta.pro secondary industry
- Leveraged Finance & Loan Credit (Loans/Lev Loans/Loan CLOs) (FSAHAGAI)
Keywords
Where Kilde is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices3 records
Markets served
Kilde business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Platform Management Fee: Kilde charges a flat 0.5% annual fee regardless of investment size. This fee covers platform operations, deal sourcing, due diligence, and investor servicing. The fee is deducted from investor returns, resulting in average net returns of 12.16% vs gross returns of approximately 15%.
- Transaction / Arrangement Fees: Kilde earns fees from arranging private credit deals between investors and borrowers. This includes fees from providing debt capital to fintech lenders and NBFI originators, generating income from credit facility arrangements (e.g., Creditstar Group $10M facility, Fingular SGD 10M credit line).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Standard Platform Fee — 0.5% annual fee |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Kilde product offering
Product offeringCore offering
Kilde operates a MAS-regulated digital private credit investment platform that connects accredited investors, family offices and institutional investors with senior secured private credit opportunities sourced from vetted NBFI and fintech originators across Europe and Asia. Loans are pooled in bankruptcy-remote SPVs with investor funds held in DBS Bank escrow, and the platform offers target gross returns of 10–15% per year, monthly coupon payments, 3–36 month terms, and a 0% historical default rate backed by 160% collateral coverage. The company also arranges debt capital facilities to fintech lenders (e.g., Creditstar Group, Fingular) and runs the Kilde Fund as a dedicated investment vehicle for institutional and emerging-market NBFI exposure.
Product overview
Kilde operates as a unified private credit investment platform with three main offerings: the core Kilde Platform enabling direct private credit investments for individual accredited investors and family offices; the Kilde Fund sub-brand targeting non-bank financial institutions in emerging markets; and the Kilde App (Progressive Web App) providing mobile access to portfolio management and investment monitoring. The platform specializes in secured private credit with target yields of 10-15% annually, offering monthly coupon payments and quarterly redemption options, all backed by collateral with 160% coverage and a track record of zero defaults.
Differentiator
Problem solved
Functional benefit
Brands
- SafeBay: Blockchain-based treasury management system designed to help blockchain-native companies manage short-term assets with compliance and facilitate fixed-income capital markets, developed in partnership with the Algorand Foundation.
- Kilde Fund
Products and services
- Kilde Platform A MAS-regulated digital private credit investment platform that enables accredited and institutional investors to browse and invest in senior-secured private credit deals from approximately US$5K per investment. Investors earn target yields of 10–15% per year via monthly coupon payments, with 3–36 month terms, quarterly redemption options and 24/7 portfolio monitoring.
- Kilde Fund (Mont Fund) A high-yield private credit fund targeting non-bank financial institutions (NBFIs) in emerging markets, providing institutional and family-office investors diversified exposure to senior-secured loans originated through the platform's network of 20+ financing partners. Accessible via fund.kilde.sg and mont.kilde.sg.
- Kilde App (Progressive Web App) A progressive web application providing 24/7 access to the Kilde investment dashboard, including portfolio management, wallet functionality, coupon payment tracking and real-time performance monitoring for accredited and institutional investors.
- SafeBay A blockchain-based treasury management system developed on Algorand technology that enables blockchain-native companies to manage short-term assets with compliance and facilitates fixed-income capital markets activity. Built in partnership with the Algorand Foundation.
Quantifiable outcome
- Average net return of 12.16% (last 12 months) after platform fees, with gross returns of 10–15% per year
- +4 more outcomes
Companies that use Kilde
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Kilde technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature6 records
Kilde partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and flagship.
- DBS BankcoreKilde utilizes DBS Bank for escrow account services — investor funds flow through escrow accounts at DBS Bank and Kilde never handles investor money directly. This arrangement provides institutional-grade fund protection and cash flow control. DBS is Singapore's largest bank and a leading financial institution.
- Algorand FoundationflagshipAlgorand Foundation's technology partnership supports Kilde's SafeBay project, a blockchain-based treasury management system designed for blockchain-native companies to manage short-term assets with compliance and facilitate fixed-income capital markets. The partnership leverages Algorand's blockchain infrastructure.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Kilde competitors and assessment
Company assessmentBroad incumbents
- Syfe: Singapore robo-advisor with income-focused and diversified investment products targeting retail and accredited investors; competes with Kilde for yield-seeking Singapore investors, especially via comparison pages such as 'Kilde vs Syfe'.
- Endowus: Major Singapore digital wealth management platform offering cash, fixed income, and private market products to retail and accredited investors; competes with Kilde for the same MAS-accredited investor base but with a broader portfolio offering.
- StashAway: Singapore-headquartered digital wealth manager with $1B+ AUM offering globally diversified portfolios to retail and HNW clients; an incumbent competitor for private credit allocation within broader wealth portfolios.
Direct peers
- Mintos: European P2P lending marketplace aggregating loan portfolios from non-bank originators across multiple countries; comparable to Kilde in sourcing senior-secured consumer/SME credit from multiple NBFI partners and distributing to retail and institutional investors.
- Funding Societies: SEA-headquartered peer-to-peer lending marketplace connecting retail and institutional investors with SME and consumer loans; one of the most direct comparables to Kilde's NBFI/fintech lender intermediation model in the region.
- Percent: Marketplace lending platform providing access to private credit and securitised debt investments to accredited and institutional investors; operates a similar originator-to-investor intermediation model as Kilde.
- Chocolate Finance: Singapore-headquartered income-focused investment platform targeting high-net-worth clients with short-duration, high-yield products; competes with Kilde for Singapore HNWI investor mindshare on yield generation.
- YieldStreet: US-based alternative investments platform offering retail and accredited investors access to private credit and other private market products with collateral-backed structures; mirrors Kilde's value proposition of democratising institutional-grade private credit with downside protection.
Emerging players
- BondbloX: Singapore-based digital bond trading platform enabling fractional investment in bonds for institutional and accredited investors; an adjacent fixed-income market infrastructure play that competes for the same investor wallet.
- Kristal.AI: Singapore-headquartered AI-driven wealth management platform offering curated portfolios including private market exposures to HNW and family office clients; an emerging competitor in Kilde's core accredited/family office segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Kilde social profiles
Digital presenceKilde compliance and trust
Trust signalCompliance2 records
Kilde financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kilde leadership team
Management profileNumber of profiles
Profiles7 records
Kilde funding detail
Funding detailFunding overview
Funding rounds5 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kilde M&A and investment
M&A and investmentM&A
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kilde
What does Kilde do?
Kilde operates a MAS-regulated digital private credit investment platform that connects accredited investors, family offices and institutional investors with senior secured private credit opportunities sourced from vetted NBFI and fintech originators across Europe and Asia. Loans are pooled in bankruptcy-remote SPVs with investor funds held in DBS Bank escrow, and the platform offers target gross returns of 10–15% per year, monthly coupon payments, 3–36 month terms, and a 0% historical default rate backed by 160% collateral coverage. The company also arranges debt capital facilities to fintech lenders (e.g., Creditstar Group, Fingular) and runs the Kilde Fund as a dedicated investment vehicle for institutional and emerging-market NBFI exposure.
Is Kilde a public or private company?
Kilde is a private company. It is classified as venture growth investor backed and is currently operating.
When was Kilde founded?
Kilde was founded in 2019. It employs 11 to 50 people.
Where is Kilde based?
Kilde is headquartered in Singapore, Singapore, in the Asia region.
How does Kilde make money?
Two revenue lines are on record. Platform Management Fee is the primary driver. The others are transaction / Arrangement Fees.
Who are Kilde's main competitors?
Broad incumbents on record are Syfe, Endowus and StashAway. Direct peers are Mintos, Funding Societies, Percent, Chocolate Finance and YieldStreet. Emerging players are BondbloX and Kristal.AI.
Does Kilde have an API?
No public API is recorded for Kilde.
What industry is Kilde in?
Kilde's product category is Private Credit Investment Platform. Its primary akta.pro industry code is FSAEALAM, Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds), with a secondary code of FSAHAGAI, Leveraged Finance & Loan Credit (Loans/Lev Loans/Loan CLOs). Its NAICS code is 522 and its SIC code is 6163.