{"id":11064,"date":"2025-06-13T08:07:00","date_gmt":"2025-06-13T07:07:00","guid":{"rendered":"https:\/\/getincome.com\/blog\/?p=11064"},"modified":"2025-06-12T14:08:06","modified_gmt":"2025-06-12T13:08:06","slug":"income-insights-episode-16","status":"publish","type":"post","link":"https:\/\/getincome.com\/blog\/income-insights-episode-16\/","title":{"rendered":"Income Insights Episode 16"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11064\" class=\"elementor elementor-11064\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8e32679 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e32679\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-813a6b3\" data-id=\"813a6b3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-129c618 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"129c618\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-82dde12\" data-id=\"82dde12\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87a2422 elementor-widget elementor-widget-image\" data-id=\"87a2422\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/open.spotify.com\/show\/2S6ijCBxBl4DI7geLKkOEt\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/spotify-icon-300x300.png\" class=\"attachment-medium size-medium wp-image-5970\" alt=\"\" srcset=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/spotify-icon-300x300.png 300w, https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/spotify-icon-150x150.png 150w, https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/spotify-icon.png 400w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-21561a4\" data-id=\"21561a4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9bc7bc7 elementor-widget elementor-widget-image\" data-id=\"9bc7bc7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/income-insights\/id1715832116\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/apple-podcasts-icon-300x300.png\" class=\"attachment-medium size-medium wp-image-5968\" alt=\"\" srcset=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/apple-podcasts-icon-300x300.png 300w, https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/apple-podcasts-icon-150x150.png 150w, https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/apple-podcasts-icon.png 512w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-0f66176\" data-id=\"0f66176\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb47e85 elementor-widget elementor-widget-image\" data-id=\"bb47e85\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/youtube.com\/playlist?list=PLT1BSpY1iacTzrcVj00R1WYGFrzkWBO1d&#038;si=pu7j0P8uzq1JFwvR\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/youtube-color-icon.png\" class=\"attachment-full size-full wp-image-5971\" alt=\"\" srcset=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/youtube-color-icon.png 400w, https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/youtube-color-icon-300x300.png 300w, https:\/\/getincome.com\/blog\/wp-content\/uploads\/2023\/10\/youtube-color-icon-150x150.png 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-d6969c7 e-flex e-con-boxed e-con e-parent\" data-id=\"d6969c7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-970da50 elementor-widget elementor-widget-html\" data-id=\"970da50\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<iframe height=\"200px\" width=\"100%\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https:\/\/player.simplecast.com\/bab768ac-cd85-4792-9238-d62ac4d7866b?dark=false\"><\/iframe>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a6ef4f e-flex e-con-boxed e-con e-parent\" data-id=\"0a6ef4f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-698340f elementor-widget elementor-widget-text-editor\" data-id=\"698340f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In the latest <\/span><i><span style=\"font-weight: 400;\">Income Insights<\/span><\/i><span style=\"font-weight: 400;\"> episode, host Denny Neidhardt is joined by CTO J\u00fcri Pruulmann for a deep dive into the technology powering Income Marketplace. The conversation explores how the platform\u2019s backend was purpose-built for long-term reliability, security, and scale.<\/span><\/p><p><b>A System Built on Precision<\/b><\/p><p><span style=\"font-weight: 400;\">J\u00fcri shares how Income\u2019s IT core\u2014dubbed the <\/span><b>\u201cTime Machine\u201d<\/b><span style=\"font-weight: 400;\">\u2014was 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.<\/span><\/p><p><b>Scaling with Confidence<\/b><\/p><p><span style=\"font-weight: 400;\">Income\u2019s platform is cloud-hosted (AWS) and auto-scales based on demand. Still, as activity grows\u2014especially with high-volume lenders\u2014performance optimizations are necessary. Planned improvements are already outlined, pending funding from the current <\/span><b>crowdfunding round<\/b><span style=\"font-weight: 400;\">, which will support speed upgrades, system tuning, and feature development.<\/span><\/p><p><b>Security by Design<\/b><\/p><p><span style=\"font-weight: 400;\">From <\/span><b>manual verification of all transfers<\/b><span style=\"font-weight: 400;\"> to <\/span><b>regular security audits and penetration testing<\/b><span style=\"font-weight: 400;\">, 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 <\/span><b>secondary market<\/b><span style=\"font-weight: 400;\">, also funded through the raise.<\/span><\/p><p><b>Easy Lender Integration<\/b><\/p><p><span style=\"font-weight: 400;\">Loan originators connect via a streamlined API, requiring just three endpoints. J\u00fcri highlights companies like <\/span><b>DanaRupiah<\/b><span style=\"font-weight: 400;\"> and <\/span><b>ITF Group<\/b><span style=\"font-weight: 400;\"> as strong examples of smooth onboarding. Automated validations catch any mismatches, and importantly, investors continue to earn interest during delays.<\/span><\/p><p><b>What\u2019s Next?<\/b><\/p><p><span style=\"font-weight: 400;\">If the crowdfunding closes successfully, expect key upgrades within the next 6 months:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Secondary market<\/b><span style=\"font-weight: 400;\"> launch<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>2FA<\/b><span style=\"font-weight: 400;\"> rollout<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Faster system performance<\/b><b><br \/><\/b><\/li><\/ul><p>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.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f0b2d7 e-flex e-con-boxed e-con e-parent\" data-id=\"6f0b2d7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-828a04a elementor-widget elementor-widget-video\" data-id=\"828a04a\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/JFDS0f6kCVk&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In the latest Income Insights episode, host Denny Neidhardt is joined by CTO J\u00fcri Pruulmann for a deep dive into the technology powering Income Marketplace. The conversation explores how the platform\u2019s backend was purpose-built for long-term reliability, security, and scale. A System Built on Precision J\u00fcri shares how Income\u2019s IT core\u2014dubbed the \u201cTime Machine\u201d\u2014was designed [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":11065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"_links":{"self":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts\/11064"}],"collection":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/comments?post=11064"}],"version-history":[{"count":4,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts\/11064\/revisions"}],"predecessor-version":[{"id":11072,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts\/11064\/revisions\/11072"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/media\/11065"}],"wp:attachment":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/media?parent=11064"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/categories?post=11064"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/tags?post=11064"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}