The Kuflink Peer to Peer Investor Blog

Publish at: 2022-11-25 19:28:43

Kuflink's new features for November 2022

Quote for October 2022
“Pleasing Personality. Our personality is the sum total of our mental, spiritual and physical traits and habits. An attractive personality is assembled by controlling and guiding our emotions, practising courtesy and having a positive attitude..
- 13 of 17. Napoleon Hill's 17 Principles of Success. (To see previous Napoleon Hill's 17 Principles of Success, please refer to previous CTO blogs).  

Released - Online P2P Platform

1) Released! A NEW Debit Card Payment service provider, "STRIPE", has been onboarded, and this service is now Live. We have just changed our debit card service provider from MangoPay to Stripe, which is one of the biggest payment service providers in the world. Stripe has battle-tested reliability and is certified to the highest compliance standards. We are grateful to Kuflink's compliance team for having achieved onboarding with this remarkable partner in our journey. 
2) Released! We are excited to be introducing "Multi-Factor Authentication"("MFA"). Adding an additional layer of security to your account is a way in which we can double-check it's really you.
 Screenshot 2022-11-22 at 13.32.54
3) Released! Interest rates are now showing on the Secondary Market. 
Our secondary market is where clients can sell their loan parts to other willing lenders should they need funds (T&Cs apply). Clients have been asking if interest rates can be displayed, which has now been updated. 
4) Released! A NEW option to pay monthly for Select IF-ISA. 
Screenshot 2022-11-22 at 13.53.10
5) Released! A NEW Buy to Let Pool Product is now live. 
We now offer a Buy to Let product to our existing borrowers meaning they can refinance their original Bridging/development loan with us rather than having to go to a bank. The great news for our investors is that we can now offer you a longer-term investment (3 or 5 years) in the NEW Buy to Let Pool which pays you monthly. Buy to Let Pool is also IF-ISA eligible.*

6) Released! A NEW SIPP-Auto Product is now live with its own SIPP wallet. A SIPP is a Self-Invested Personal Pension, which will be done in partnership with Morgan Lloyd (a Specialist in Self-Invested Pensions). The SIPP Pool will have SIPP-eligible property loans. To open a specific SIPP account with us, please reach out to us, and we will help you through the process. 

Screenshot 2022-11-25 at 13.53.15

Released! We have also released SIPP - Select deals as requested by many of our SIPP clients. 

Screenshot 2022-11-25 at 13.44.46


7) Released! New Updated releases for Mobile Apps for Android and Apple

Android. We have completely upgraded the APP this month so that you now see features on the desktop that are now available on the APP. This has been a long time in the making, and we are proud of the team of this Beta Release. Please ensure you download the latest version on the Play store

Apple. We have completely upgraded the APP so that you now see features on the desktop that are now available on the APP. This has been a long time in the making, and we are proud of the team of this Beta Release. Please ensure you download the latest version on the APP store.  

8) Released! NEW Environmental, Social and Governance (ESG) page has been built, to show some of Kuflink's Key performance indicators (KPIs), energy performance certificates for the head office, Consumer survey results, Ongoing Management information: Profit & Loss, Balance sheet, Taxes paid, Green property developments funded, Governance committees, and much more.
Click here to view the ESG Page. 

9) Released! New Notification System for Bank transfers to the Kuflink wallet. We have completed this system where you can advise us of any bank transfers you have made on the day or expect to make. This will assist us in updating our systems to expect funds from you. To get started, press the wallet image, go to Top Up, and then choose Manual Bank Transfer (UK) from the drop-down menu. Please note, on receipt of your transferred funds they will not automatically invest into your desired product; this is still solely your responsibility. 

Screenshot 2022-03-22 at 18.18.51

You can amend any notification by scrolling down to Topup Requests. 

Screenshot 2022-03-22 at 18.21.04


10) Released! The Audited Accounts page. 

Our Management accounts up to August 2022 are available on the Kuflink ESG page.

In January 2022 we released our latest, 5th year of Independently Audited accounts for the platform, for the period ending 30th June 2021. We decided to upgrade the page for you with links to previously independently audited accounts for all the regulated companies and the main Group company. Click here to view the page.

Screenshot 2022-01-15 at 19.49.01





Coming Soon! - Online P2P Platform


1) Coming Soon! We are in the final testing phase of allowing clients to automate the withdrawal of their monthly paid interest. This is a feature that some of our clients wanted as it was a repetitive task for them every month.  
2) Coming Soon! We are working on introducing Select SIPP deals as requested by many of our SIPP clients. 

3) Coming Soon! Some new Proprietary features based on your feedback. 





1) Update! We are excited to report that we have just changed our debit card service provider from MangoPay to Stripe, which is one of the biggest payment service providers in the world. 

2) Update! We have connected our Open banking platform to our P2P Platform successfully to enable bank transfers to be immediately updated to Kuflink client wallets. We have built a proprietary solution to solve the NatWest to NatWest transfers which are working successfully. Thank you for your patience.  

3) Update! On Thursday, 21st April 2022, we started protecting client money for Corporates as we do for Individual client money under FCA Client money rules (CASS 7).

Update! We have successfully passed our ISO27001 Audit (UKAS). Press here for a copy of the certificate. 

5) Update! Some of our directors have successfully housed a family from Ukraine and are continuing to help in any way that they can to find some peace and normality in this traumatic crisis. 

6) Update! At times, unexpected popularity can result in pool availability being sharply taken up, leaving clients without the pool option for their ISA investment before the Financial Year's End. The good news is we have a solution that will enable you to allocate money to this Financial Year without losing any allowance. Simply transfer funds from the General Wallet to IF-ISA (Current); after clicking "transfer," the amount you have transferred will be deducted from your general wallet and be used against this year's allowance. You will then be able to invest these funds once we have further availability again.

7) Update! We have successfully internally passed the Bcorp Assessment, scoring significantly higher than the minimum (80 out of 100). BCorp assessors are now processing an Independent Audit and are hopeful we will have our BCorp certificate in the near future. We have released the assessment answers on our Kuflink ESG page

8) Update! As part of our objectives of the Kuflink Foundation and the Kuflink Group, we are pleased to announce a new two-year deal with Ebbsfleet United with a long-term principal club sponsorship. We are committed to our local community and the support of Ebbsfleet United – through sponsorship and in-person at the club. 


Chief Technical Officer's (CTO) thoughts for November 2022

As we all said our final goodbye to our Late Queen, her values of dignity, duty, decency, integrity, humility, fortitude, stability, loyalty, and humour will endure. Kuflink has been tested through the Covid-19 Pandemic and recently the Financial headwinds from the Sept 2022 mini-Budget. Our systems held firm, and we worked with our borrowers and lenders to get through this. Our systems adapt to the market, and there are lessons to ensure any pain points are smoothed out for the future.  

We have been lending money secured on property for 11 years (since 2011) and have operated an online electronic Peer to Peer platform for 6 years (since 2016). We launched an Open banking Platform for internal use this year (2022). Throughout this period, Kuflink has ensured no investor has lost a penny thanks to our:

In-House team

  • Experienced Underwriting team;
  • Experienced Credit Committees (as developers, valuers, and bankers);
  • Experienced Accountants;
  • Experienced Collections Team; 
  • Experienced Proprietary Software Developers; 
  • Experienced Board of Directors;
  • Experienced Independent Non-Executive Directors

Third-Party Service providers

  • Royal Institution of Chartered Surveyors - RICS approved valuers;
  • AML/KYC: Onfido, MangoPay and Creditsafe;
  • Debit Card Service Provider: Stripe;
  • Credit Bureau Agencies: Experian, Equifax, TransUnion, and Cifas
  • Solicitors Regulation Authority - SRA-approved Solicitors;
  • Independent ISO27001 Auditors;
  • Independent Auditors;
  • Independent Bcorp Impact Assessment ESG Auditors;
  • Independent Financial Conduct Authority


Learn More


* Don’t invest unless you’re prepared to lose money. This is a high-risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more. 

Expert Star Rating

Rating-Year-5-Colour-CMYK-1 Group 23433 DAS Ukas ISO-IEC 27001-1