Investors’ risk in making investments through our platform generally falls into the following
This covers the ability of borrowers to repay their loans on a timely basis. While we do not provide a
recommendation on the creditworthiness of borrowers, we will undertake due diligence on all
borrowers to determine their ability to repay promptly. Only borrowers whom we believe are able to
meet their obligations on a timely basis will be allowed to post a Loan Request. Apart from protecting
investors’ interest, this also protects our reputation as a peer-to-business lending platform that
delivers quality deals. Borrowers will have access to our deep structuring capabilities, understanding
of cash flows and credit analysis processes to ensure that the loans they raise have the best chance of
repayment. This helps the investors in terms of managing default risks.
Your money is maintained in a bank account controlled by a MAS-licensed trust company, Vistra Trust
(Singapore) Pte. Limited (“Vistra”). Risks associated with transactions carried out through the platform
are mitigated by using a developed and tested platform built by developers, who are experienced and
have delivered dozens of such platforms to operators around the world. Your data is kept securely
through our platform, which is hosted by Amazon Web Services in Singapore.
Our Platform Terms, which include the agreement between investors and borrowers, are documented
by reputable financial lawyers to ensure that investors’ interests are adequately covered and clauses
covering various situations are clear and unambiguous.