Independent P2P analysis
P2P investing — with your eyes open.
Independent, sober analysis of P2P lending for retail investors in Germany. Platforms compared, risks named plainly — no return promises.
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 risks others stay quiet about — 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
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.
Strategy
P2P Lending Diversification: How to Build Your Portfolio
Why one P2P platform alone is risky, what diversification achieves mathematically and how many platforms make sense - with model portfolios from 1,000 €.
Risk
P2P Lending: Returns, Risks and the Ventus Energy Case
P2P loans advertise 6 to 24 % returns. Where the interest actually comes from, what risks investors carry - and what the Ventus Energy collapse teaches us.