Independent P2P analysis
P2P lending, plainly explained.
Double-digit yields, real default numbers and an open methodology: we show what P2P platforms actually offer and who they suit. We name the risks clearly.
How we rate
Top rated
Platforms in focus
Monthly research brief
Once a month: plain talk instead of return promises.
New platform ratings, updated default rates and the context that's usually missing from marketing material — compact, in one email. For investors who want to understand what they're doing.
- Newly rated platforms first
- Warning signs & defaults in view
- Strategies for a robust portfolio
Knowledge
Guides & analysis
Risk
How to Spot a Trustworthy P2P Platform: 7 Red Flags
How to tell a trustworthy P2P platform apart: five verifiable markers, seven red flags from real collapses and seven platforms that pass our check.
Strategy
Best P2P Lending Platforms 2026 Compared
The best P2P lending platforms 2026 tested: top pick Mintos (grade A), regulated alternatives, current sign-up bonuses and which platform fits which investor.
Basics
ECSP Licence Explained: What EU Regulation Means for P2P Investors
What the ECSP licence protects and what it doesn't: the key investor safeguards in the EU crowdfunding regulation - and why Mintos doesn't hold one.