In the latest Income Insights episode, host Denny Neidhardt is joined by CTO Jüri Pruulmann for a deep dive into the technology powering Income Marketplace. The conversation explores how the platform’s backend was purpose-built for long-term reliability, security, and scale.
A System Built on Precision
Jüri shares how Income’s IT core—dubbed the “Time Machine”—was designed to ensure full auditability and data integrity. Based on double-entry accounting principles and real-time event tracking, it allows the team to trace every transaction, past and present. This system also powers several banks and fintechs globally, showing its battle-tested robustness.
Scaling with Confidence
Income’s platform is cloud-hosted (AWS) and auto-scales based on demand. Still, as activity grows—especially with high-volume lenders—performance optimizations are necessary. Planned improvements are already outlined, pending funding from the current crowdfunding round, which will support speed upgrades, system tuning, and feature development.
Security by Design
From manual verification of all transfers to regular security audits and penetration testing, investor protection is a top priority. While two-factor authentication (2FA) is already functional in testing, its broader rollout is aligned with the launch of the upcoming secondary market, also funded through the raise.
Easy Lender Integration
Loan originators connect via a streamlined API, requiring just three endpoints. Jüri highlights companies like DanaRupiah and ITF Group as strong examples of smooth onboarding. Automated validations catch any mismatches, and importantly, investors continue to earn interest during delays.
What’s Next?
If the crowdfunding closes successfully, expect key upgrades within the next 6 months:
- Secondary market launch
- 2FA rollout
- Faster system performance
This episode provides rare insight into the architecture and thinking behind a platform built not just to run, but to grow securely. A must-listen for any investor curious about the tech powering their portfolio.
