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Platform reviews, regulatory breakdowns and crowdlending market analysis.
P2P lending in Europe: which authority licenses which platform
Mintos, Debitum and Twino hold Latvian investment-firm licences; Estateguru has an Estonian ECSPR authorisation. Platform table and regime comparison.
Read articleWhere each euro goes in P2P lending: borrower rate, originator, platform fee and investor return
Borrower payments, origination fees and investor charges follow different routes. Fee bearers on six platforms and a stylised EUR 1,000 example.
Read articleHow P2P lending works after the deposit: auto-invest, idle cash and exit settings
Deposits wait in cash until a setting or a manual pick places them. Auto-invest, idle cash and exit rules compared on six P2P platforms.
Read articleEuropean P2P lending platforms by age, published volume, loan types and minimums
Mintos reports €13 billion invested in total, PeerBerry €3.56 billion, Estateguru €969 million. Ten platforms by age, loan types and minimums.
Read articleComplete P2P lending guide for investors: eight steps from product type to monitoring
P2P lending for investors in eight steps, from product type to monitoring. ESMA counted €4.25 billion raised in EU crowdfunding in 2024, 58% as loans.
Read articleP2P platform fees in 2026: eight platforms side by side, with German tax treatment
Mintos charges 0.39% a year on Core Loans, Estateguru 0.083% a month, Go & Grow EUR 1 per withdrawal. Fee schedule for eight platforms plus German tax.
Read articleAnalysing a P2P loan project: listing fields, the EU information sheet and public checks
What a P2P loan listing shows, what the EU key investment information sheet requires, and which register and platform figures can be checked.
Read articleEuropean P2P lending year by year, 2016 to 2025: published returns, failures and rules
Mintos published net returns of 12.6% for 2016, 4.3% for 2020 and 9.3% for 2024. Year-by-year table of figures, failures, rules and ECB rates.
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