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Case Study
Kilde logo, a Kreatorverse venture-building partner

Kilde: Building a Regulated Private Credit Platform for Accredited Investors

Private credit, opened to accredited and institutional investors in Singapore — under a Capital Markets Services licence from the Monetary Authority of Singapore.

Venture Building Fintech Web3 Development
SectorPrivate credit
MarketSingapore
Founded2019
RegulatorMAS · CMS101016
Kilde platform preview
01 — The Challenge

An asset class built for institutions, sold to individuals

Kilde gives accredited and institutional investors access to private credit — a market that has historically run on relationships, PDFs and minimums most individuals never clear. Doing that in Singapore means operating as a regulated capital markets business, so every step an investor takes has to satisfy both a compliance regime and the patience of someone investing their own money.

Two constraints shaped the work: accreditation and KYC had to be provably correct, and the path from landing on the platform to holding a position had to stay short enough that qualified investors did not abandon it halfway.

Kilde holds a Capital Markets Services licence (CMS101016) from the Monetary Authority of Singapore.

02 — What Kreatorverse Did

Our role on the engagement

As a venture-building and technology partner, Kreatorverse worked alongside the Kilde team across product, engineering and go-to-market — contributing the same MERN Stack, Java and Google Cloud Platform expertise reflected in Kreatorverse’s broader venture studio work.

01

Product & UX

Contributing to the design and user-experience direction of an investor-facing platform built for both compliance and clarity.

02

Engineering

Full-stack engineering support across the MERN Stack, Java and Google Cloud Platform.

03

Web3 & Fintech Infrastructure

Applying Web3 and fintech infrastructure experience to a regulated, capital-markets-grade product.

04

Venture Building

Ongoing venture-building support as part of Kreatorverse’s studio engagement with the Kilde team.

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03 — Product Journey

How the platform works: from accreditation to redemption

01
Access

Get accredited

Five steps to qualify as an accredited investor. Singapore residents onboard through Singpass; the process stays fully digital, with a human reachable at any point.

02
Selection

Explore opportunities

Browse vetted private credit deals, inspect each borrower’s financial statements, and filter by rating, currency or geography.

03
Commitment

Invest

Top up in SGD, USD or EUR, subscribe to one or more deals from $100 each, and cancel any time before the end of the business day.

04
Monitoring

Track performance

Returns, coupons and outstanding positions at a glance, with transaction search and downloadable account statements.

05
Return

Redeem returns

Coupons are redeemable the day they arrive. Investors can hold to maturity, request early redemption, or reinvest to compound.

04 — Kilde Today

The platform, in its own numbers

Figures published by Kilde. Shown as context for the engagement, not as outcomes attributed to Kreatorverse.

USD 127M+Assets under managementMilestone announced September 2025
USD 200M+Funded all-timePublished by Kilde
12.36%Average net returnTrailing twelve months
0.0%Principal lossesSince inception, 2019
20+Financing partnersBorrowers on the platform
~3 minSingpass onboardingKilde’s stated verification time
05 — Proof

Backed, licensed, and audited in public

Regulation

Capital Markets Services licence CMS101016, issued by the Monetary Authority of Singapore.

Investors

USD 1.5M pre-Series A funding round, led by Purple Ventures.

06 — Co-Creators

Straight from the people we've built with

"The technical expertise in Kreatorverse is high, and the people we are working with are used to working with fast-moving startups and tech companies, and what would take a long time was delivered faster."

— Radek Jezbera, CEO, Kilde
Radek Jezbera, CEO of Kilde, speaking about working with Kreatorverse

Radek Jezbera, CEO of Kilde, on building with Kreatorverse · 4:26 · Watch on YouTube

FAQ

Frequently asked questions

What is Kilde?

Kilde is a Singapore-based private credit investment platform. It connects family offices, funds and accredited investors to investment-ready private credit deals — including senior secured loans from last-mile lending companies — in developed and emerging markets.

Who can invest through Kilde?

Kilde’s platform is built for accredited and institutional investors. Singapore residents can complete accreditation and KYC digitally, using Singpass.

Is Kilde regulated?

Yes. Kilde holds a Capital Markets Services licence (CMS101016) from the Monetary Authority of Singapore.

What was Kreatorverse’s role with Kilde?

Kreatorverse worked with Kilde as a venture-building and technology partner, contributing product design, full-stack engineering (MERN Stack, Java, Google Cloud Platform) and Web3/fintech infrastructure expertise.

What returns has Kilde’s platform delivered?

According to figures published by Kilde, the platform has an average net return of 12.36% over the trailing twelve months and 0.0% principal losses since its 2019 inception. These are Kilde’s own published figures, not outcomes attributed to Kreatorverse’s work.

Building a regulated fintech product?

Kreatorverse partners with founders and financial institutions to design, build and launch compliant financial products — from private-credit platforms like Kilde to broader Web3 and fintech infrastructure.