121M+Total Funded
Active investors managing their portfolios
Safe investment starts with knowing what you're putting your money into
Invest with confidence, not confusion
Real numbers from actual investors
Thousands of people use our platform to find investments that match their tolerance for risk and timeline
10.6M+Interest paid
Average annual return across all investment types
1.8K+Funded projects
Total invested through the platform since launch
44.2K+Registered investors
Loans funded with full repayment to date
€2.0M +Provision Fund
Average time to start seeing returns
Investors receiving payouts
Investors who received at least one interest payment each month.
Rated 4.5 / 5 based on 779 reviews. Showing our 4 & 5 star reviews.
How safe investment actually works
It's not about zero risk—it's about knowing what you're getting into
Spread your money across multiple loans
Reduces risk from any individual borrower failing to repay their loan by spreading investments across multiple borrowers.
One borrower missing a payment won't tank your entire portfolio if you diversify across 20+ loans
Check borrower credit scores before investing
Higher scores, lower default rates
We show verified credit history so you can decide which risk level fits your comfort zone
Start with shorter loan terms
Get your capital back faster
Three-month loans mean less time exposed to default risk compared to multi-year commitments
Use buyback guarantees when available
Protection if borrowers stop paying
Some loans include guarantees where the originator buys back defaulted loans after 60 days
Set auto-invest rules based on your criteria
Maintain diversification without constant monitoring
Define your risk parameters once and let the system spread investments automatically
Monitor performance monthly, not daily
Avoid panic over normal fluctuations
Some late payments resolve themselves—give loans time to perform before making emotional decisions
Why investors choose this approach
Safe doesn't mean guaranteed, but it does mean you can see what's happening with your money
0% Full transparency on every loan's status
No fees for deposits, investments or withdrawals.
28,003 +No hidden fees or surprise charges
A growing community built around transparent investing.
€1,712 +Direct access to borrower credit data
Average amount invested by active users each month.
€139 +Withdraw available funds anytime without penalties
Average interest paid to active investors each month.
Featured investment opportunities
Loans currently available that meet common safety criteria used by conservative investors
Wholesale Electronics
Supplies consumer electronics to major retailers and telecomes like Technomarket and Magnum-D
- Loan Amount
- €600,000
- Term
- 16 months
- Yield (APR)
- 15.1%
JINTEKI
Processes, freezes and dries fruits and vegetables in a modern, fully equipped organic-focused production facility
- Loan Amount
- €900,000
- Term
- 14 months
- Yield (APR)
- 14.9%
Datra Ltd
Supply, installation and maintenance of agricultural and food equipment
- Loan Amount
- €950,000
- Term
- 12 months
- Yield (APR)
- 14.6%
Investment Calculator
Future value in 6 years€8000
Start with €50
Average annual return17.6%
Earned return€460
Promotions€0
Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Tools that help you stay safe
We built filters and alerts so you can invest within your comfort zone
Credit score filters
Only see loans from borrowers who meet your minimum credit requirements
Loan term limits
Set maximum loan duration to reduce long-term exposure risk
Default rate alerts
Get notified when any loan originator's default rate exceeds threshold
Diversification calculator
Shows how concentrated your portfolio is and suggests rebalancing
Payment tracking
See which loans are current, late, or in default at a glance
Buyback status monitoring
Track which defaulted loans are eligible for guaranteed repurchase
Interest rate comparisons
Compare returns across different risk levels to make informed trade-offs
Portfolio performance reports
Monthly summaries showing actual returns versus expected returns
Compare across the secondary market
Other investors sometimes sell their loan positions early—often at a discount if they need cash quickly or lost confidence in a borrower
Browse listings
Platform safety track record
We don't hide the numbers—here's what actually happens when people invest through our platform over time
€12M+ +Secondary Market volume
Average default rate across all loan grades
9,308+ +Secondary Market participants
Successfully processed buybacks on defaulted loans
Getting started safely
You can test the platform with a small amount before committing serious capital
Create account and verify identity
Takes about five minutes
Start with €50-100 test investment
See how the process works
Watch your first loan repayments come in
Usually within the first month
Rewards for consistent investors
The longer you invest and the more you diversify, the better rates and buyback terms you can access
Cashback on interest earned
Up to 1% back quarterly
Priority access to limited loans
High-grade opportunities fill fast
Enhanced buyback guarantees
Shorter waiting periods for repurchase
Reduced minimum investment amounts
Easier to diversify with less capital
Join 50,000+ active investors
What makes an investment safer
No investment is entirely risk-free, including government bonds. However, you can improve your chances by diversifying across borrowers, selecting loans with buyback guarantees, and avoiding investments with unclear repayment terms.
We show you everything
Each platform loan provides verified borrower credit data, loan intent, originator performance history, and real-time repayment tracking. View which originators have top default rates and reliably repurchase defaulted loans. All loans require complete documentation accessible for review prior to investment.
- Real-time repayment status updates
- Verified borrower credit scores and history
- Originator default and buyback statistics
- Detailed loan purpose and documentation
- Historical performance data per loan type
- Monthly portfolio performance breakdowns
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about safe investing
Spreading capital across 20+ loans reduces exposure to any single borrower's default. If one loan underperforms, the overall portfolio impact remains manageable. Diversification is the foundation of lower-risk investing on peer-to-peer platforms.
Verified credit scores indicate borrower repayment history and financial reliability. Higher scores correlate with lower default rates across the platform. Reviewing credit before committing capital lets investors match loans to their personal risk appetite.
Shorter terms—such as three-month loans—reduce the window during which default can occur. Faster capital recovery means less long-term exposure and quicker reinvestment opportunities. Longer commitments introduce more uncertainty and volatility over time.
Buyback guarantees allow originators to repurchase defaulted loans after 60 days, providing a safety net. Not all loans carry this feature, but it's available on qualifying loan products. Combined with diversification, guarantees reduce downside risk significantly.
Monthly reviews prevent overreaction to temporary payment delays or market noise. Some late payments resolve without causing permanent loss. Daily tracking encourages panic selling during normal volatility and undermines long-term strategy.
Auto-invest rules execute strategy consistently based on predefined credit, term, and diversification criteria. Automation eliminates emotional decision-making and maintains risk parameters without constant manual effort. Systems handle reinvestment systematically as loans mature and capital returns.