We have kept this product simple and straightforward - You provide us with capital liquidity by acquiring £9,000 or more (up to £1,800,000 per Participant), of our digital currency called Universal Capital Coin (UCC). We will pay you a minimum of 6.51% fixed gross return per annum for a 2 year “Lock In” period up to a maximum of 7.86% fixed return per annum for a 5 year “Lock In” period. Returns can be paid to you monthly, directly to your bank account. You have the choice of receiving your capital back after the “Lock In” period expires after two, three or five years. This is achieved by selling the digital currency back to us and we will pay you the original price that you paid for it. This liquidity is then used to fund our short term secured lending solutions. Our clients who use these products pay between 1% to 3% per month interest, which equates to 12% to 36% per annum. This is how we can fund such a high rate of return for you. This product is a synthesis between traditional financing and the new technologies of Blockchain and Decentralized Finance (DeFi), which allows us to provide much more value to our clients, which translates into higher returns.

Universal Capital Coin (UCC) is the digital currency which exists on a Blockchain. Acquiring UCC entitles the Holder to a fixed rate of return on their capital of between 6.51% to 7.86% per annum, which can be taken as a monthly income.

The Rate of Return you receive will depend on the amount of money you participate with and the Lock In period you select. The Rate of return range is between 6.51% and 7.86% per annum. The minimum amount of UCC that you can acquire is £9,000 and the maximum is £1,800,000. The Lock In periods are set at 2, 3 or 5 years. You can use our calculators to determine your monthly amount.

The funds raised are being used to fund our short term secured lending solutions. Our Borrowers pay between 1% to 3% per month interest which equates to 12% to 36% per annum. You effectively receive your rates of return from these revenues.

1) You should download our "Invitation Document". This contains all of the information pertaining to this product. Think about whether you would like a Lock In period of 2, 3 or 5 years. You can use the calculators to work out what your monthly return will be. ​ 2) Complete our simple Application Form - (CLICK HERE) We will then send you confirmation of acceptance with an official KFI Illustration and Terms Document confirming the monthly figures and a summary of the main terms. 3) Ensure that you have set up your digital wallet so that you can receive and hold our digital currency Universal Capital Coin (UCC). You should follow the instructions we have provided on this website. We recommend MetaMask or Trust Wallet. You can of course use any other Decentralized Finance (DeFi) digital wallet provider you wish to. ​ 4) When you decide that you wish to proceed, sign the KFI Illustration and Terms Document electronically to confirm that you accept the figures and that you have received the "Terms and Conditions" and the "Invitation Document". If you have not already done so with your application, you must also provide us with your digital wallet address so that we can credit your digital wallet with the requested UCC. ​ 5) You must then provide us with identification to ensure our compliance with Anti Money Laundering (AML) and Know Your Client (KYC) regulations - This can normally be verified electronically. We will send you a link to do this. ​ 6) Once we have verified your identification, we will then deposit the Universal Capital Coin (UCC) into your digital wallet. The transaction will then be in force, and you will be subject to your chosen "Lock In" period. ​ 7) You then send us the required payment. Please ensure that you provide the Reference/Account number that we provided to you. The process is then complete, and you can start receiving your monthly returns. ​ 8) The monthly payment of your returns will be paid directly to your bank account for the duration of your chosen Lock In period. ​ 9) We can accept payment with cryptocurrencies. Telephone or email us if you wish to use this method of payment so that we can provide you with the necessary instructions. Most cryptocurrencies are acceptable. ​ REMEMBER KEEP YOUR DIGITAL WALLET'S LOGIN DETAILS AND RECOVERY PHRASE SECRET. NEVER REVEAL YOUR DETAILS TO ANYBODY INCLUDING US. WE WILL NEVER ASK YOU FOR YOUR WALLET'S PRIVATE KEYS.

Once you have decided that you wish to proceed by electronically signing the documents we send you, we will carry out identification checks which can usually be carried out electronically and immediately. Once these checks are completed and you have provided us with your digital wallet address, we will credit the wallet with the requested UCC.

Although participation is not covered by the Financial Services Compensation Scheme (FSCS), as a Participant you can rest assured that the capital being raised is being used to expand our creative secured lending solutions to Individuals, Small Businesses and other eligible entities. This means that you can take comfort that any funds provided by us to our customers in the form of secured loans are 100% Asset Backed, totally secured on residential or commercial property and land, situated within the UK. This fact combined with the fact that our organisation is managed meticulously, means that any purchase which you choose to make, will not only provide you with a secure high rate of return, which can be taken as a monthly income, it will also be secure as fundamentally it will be backed by the collateral of residential or commercial property or land located within the UK. Participating will also entitle you to apply for our upcoming product launches which will have substantial benefits for our clients.

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When your “Lock In” period has come to an end after 2, 3 or 5 years, just email us confirming you would like us to “Buy Back” the digital currency and we will provide you with instructions of what you need to do. This information is also clearly available on our website. Please note that we may, at our discretion, “Buy Back” all or some of the digital currency at any time after 12 months from the date of your purchase. In such circumstances, Participants will receive the original amount they paid and any returns accrued up to the date of “Buy Back”, but will not receive any premium or further returns.

Decentralized Finance (DeFi) is a ground-breaking financial technology based on secure distributed ledgers similar to those used by cryptocurrencies. The system removes the control banks and other institutions have on money, financial products and financial services. Blockchain: A secure, digitally distributed, decentralized system in which a record of digital assets and records are maintained.

Yes, you will be exclusively eligible to receive world beating Debit Card (being launched soon). These cards will provide substantial reward benefits which include up to 11% discounts on energy bills, Comprehensive Travel Insurance, up to 2 % cashback on spending, Spotify, Amazon Prime, Netflix, Disney+ and more . This will only be available to Participants. You will also receive preferential treatment on all of our other products such as Commercial Loans, Offshore Services and much more.

We are on schedule to launch these innovative Debit Cards in the first quarter of 2023

These cards will provide substantial reward benefits which include up to 11% discounts on energy bills, Comprehensive Travel Insurance, VIP Airport Lounge Access, up to 2 % cashback on spending, Spotify, Amazon Prime, Netflix, Disney+ and more. This will only be available to Participants. As a Participant, you will also receive preferential treatment on all of our other products such as Commercial Loans, Offshore Services and much more.

Yes, there are different fees allocated to the Gold, Platinum and Obsidian Triple Black Cards, however the fees are waived if you are an existing Client/Participant.

As things currently stand, we are looking to limit the number of Holders of this card to a total of 999.

Yes you can, however most of our applications are made by Limited Companies.

This can be a complex subject. as such we will provide you with a consultation at an additional cost and we will furnish you with a report which addresses what you are looking to achieve.