Your funds are secure in KISS because KoinWorks is registered and supervised by the Financial Services Authority (OJK). Each investment in KISS will be diversified across various peer-to-peer lending platforms that are also overseen by the OJK. The underlying of KISS investments consists of loans distributed through these platforms, so the performance of your funds will depend on the performance of the underlying loans.
However, it is important to remember that every investment in KISS still carries risks associated with peer-to-peer lending, including the risks of the underlying loans themselves.