PP lending platform comparison

Ecozins is a peer-to-peer lending platform from Germany. Finteo is a peer-to-peer lending platform from Germany. GLS Crowd is a peer-to-peer lending platform from Germany. Moneywell is a peer-to-peer lending platform from Germany. ZonnepanelenDelen is a peer-to-peer lending platform from the Netherlands.

ZonnepanelenDelen serves as an online community for investing in green ener. Lendahand is a peer-to-peer lending platform from Netherlands.

Lendahand serves as an online community for investing in loan originator debt starting. Oneplanetcrowd is a peer-to-peer lending platform from Netherlands. Oneplanetcrowd serves as an online community for investing in small business debt.

Genervest runs a direct marketplace lending platform, which means it operates the "traditional" or "pure" P2P lending model and serves as an online sp. Duurzaam investeren is a peer-to-peer lending platform from Netherlands. Duurzaam investeren serves as an online community for investing in small busi.

Geldvoorelkaar is a peer-to-peer lending platform from Netherlands. Geldvoorelkaar serves as an online community for investing in small business debt.

Collin Crowdfund is a peer-to-peer lending platform from Netherlands. Collin Crowdfund serves as an online community for investing in small business d. NLInvesteert is a peer-to-peer lending platform from Netherlands. NLInvesteert serves as an online community for investing in small business debt star.

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Applying for a P2P loan is also often similar to applying for a loan from a traditional lender. The steps will vary depending on the platform, but if you're applying for a personal loan from a P2P lender, you may need to:. The entire process might take around five business days. But the exact timeline can depend on how long it takes the P2P platform to verify your information and secure the funding, and for your bank to process the transfer.

If you're looking for a personal loan, you might want to focus on the different loan offers' fees, interest rates and repayment periods rather than whether you're applying on a P2P platform or directly with a lender.

After all, no matter who funds the loan, you'll need to repay it based on those terms. Whether you are shopping for a car or have a last-minute expense, we can match you to loan offers that meet your needs and budget.

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Licenses and Disclosures. Discover loan offers with rates and terms that fit your needs. Advertiser Disclosure. By Louis DeNicola. In this article: What Is Peer-to-Peer Lending?

What Is Traditional Lending? P2P Lending vs.

The best peer-to-peer personal loans offer a broad range of loan amounts, flexible repayment terms, and competitive rates and fees Peer-to-peer loans are funded by individual and institutional investors. We compared and reviewed the best peer-to-peer lenders based on loan rates, fees Compare the best P2P lending ; Prosper · % to % · $2, to $50, ; Avant · % to % · $2, to $35, ; Happy Money · % to % · $5, to

PP lending platform comparison - Three sites that make investing in peer-to-peer lending both easy and transparent are Kiva, Prosper and Upstart. Best for starting small: Kiva The best peer-to-peer personal loans offer a broad range of loan amounts, flexible repayment terms, and competitive rates and fees Peer-to-peer loans are funded by individual and institutional investors. We compared and reviewed the best peer-to-peer lenders based on loan rates, fees Compare the best P2P lending ; Prosper · % to % · $2, to $50, ; Avant · % to % · $2, to $35, ; Happy Money · % to % · $5, to

Please note that the P2P platform comparison presented is for guidance only and is not intended to be a recommendation for or against any P2P platform. Read more in the disclaimer. Are the P2P platforms regulated and controlled by a supervisory authority?

The decisive factor is the regulation as a platform, not the supervision of individual lenders of the platform. The expected return refers to information provided by the P2P platform.

These numbers do not display a guarantee to reach a certain return. Results refer to the Community Voting Afranga : No Boldyield : No Bondster : No Crowdpear : Yes Central Bank of Lithuania Debitum : Yes Financial and Capital Market Commission Exporo : Yes BaFin Fellow Finance : Yes Financial Supervisory Authority of Finland HeavyFinance : Yes Central Bank of Lithuania and ECSP License iuvo Group : No Lendermarket : No Max Crowdfund : Yes Authority for Financial Markets Mintos : Yes Financial and Capital Market Commission Monefit SmartSaver : No Monestro : No NEO Finance : Yes Central Bank of Lithuania Swaper : No Are the P2P platforms regulated and controlled by a supervisory authority?

Results refer to Community Voting If you still have questions, take a look at the P2P Lending Community on Facebook. Where there are advantages, there are also disadvantages. What should investors look out for when investing in P2P lending?

P2P platforms work in two directions: On one hand, they raise money from private investors to finance their loans. To be as attractive as possible, platforms promote high returns and often also lure with bonus campaigns to attract new investors. On the other hand, platforms also take care of the lending business.

The lenders can come from within the company classic P2P lending or they can be external lenders who have no overlap with the platform P2P marketplace model. So, depending on the business model, the P2P platform takes care of acquiring new borrowers or one monitors the quality of external lenders.

There are a variety of risks that can arise in the context of an investment in P2P lending. These affect either the P2P platform directly platform risk or its lenders lender risk. At both levels, there are corresponding economic risks as well as the associated market risks of the lending business.

These include risk factors such as country risk, interest rate risk, liquidity risk or exchange rate risk. The returns on P2P platforms can vary greatly depending on the platform.

It is advisable for investors to invest in at least different loans per platform in order to obtain a reasonably diversified portfolio. If there is a loan default, the P2P platforms try to recover the money through their collection process.

As there are different types of loans, the security as well as the recovery mechanisms are quite different. Funding Circle:. Funding Circle specializes in small business loans. SoFi provides a range of financial products, including personal loans. Kiva is a unique P2P lending platform focused on crowdfunding microloans for entrepreneurs in developing countries.

Zopa is a UK-based P2P lending platform. Considerations for Investors:. Considerations for Borrowers:. European Union EU :. United Kingdom UK :. United Arab Emirates UAE :. Skip to content Loan.

Collin Crowdfund is a peer-to-peer lending platform from Netherlands. Collin Crowdfund serves as an online community for investing in small business d. NLInvesteert is a peer-to-peer lending platform from Netherlands.

NLInvesteert serves as an online community for investing in small business debt star. Signup for free. User Login Platform Login. General Frontpage Markets Newsletter My Favorites Login to unlock Saved Filters Login to unlock Campaigns Watchlist Login to unlock Profile Login to unlock Funding Reports Articles About.

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Platforms Campaigns. Sort by: Sort By Minimum - Highest to Lowest Minimum - Lowest to Hightest Total Funded - Highest to Lowest Total Funded - Lowest to Highest.

Peer-to-Peer Lending Clear All Filters Europe. Industry: Peer-to-Peer Lending. Category: Small Business Debt. Category: Green Energy. Category: Loan Originator Debt.

Who's this for? Sounds interesting. Lendint himself, but hopefully others too. Note that the rates and fee structures advertised for personal loans are subject to fluctuate in accordance with the Fed rate. Credit offer for long term large business expansion and home financing.

Mintos. Why Mintos is one of the best P2P lending? ✓ It is the biggest P2P in Europe The best peer-to-peer personal loans offer a broad range of loan amounts, flexible repayment terms, and competitive rates and fees Peer-to-peer (P2P) lending platforms and traditional lenders both offer online loans. The primary difference between the two is that P2P: PP lending platform comparison


























We comparisin that you initially select crowdlending platforms that you Loan debt consolidation options to take lendinf closer platfrom at. Finteo No prepayment penalties a peer-to-peer lending platform from Germany. In alone, the company issued loans in the amount totaling over 91 million euros. While maintained for your information, archived posts may not reflect current Experian policy. The P2P concept and initial online process were revolutionary in some ways, but P2P lending's popularity is waning. The companies on this page are no longer true P2P lenders. If you are looking for a European P2P lending platform to invest with, it is of course a good idea to take into consideration how large the platform is. In that case, the loan originator will just repurchase the loan. jessicamargert says: Very Interesting! Annual Percentage Rate APR 9. I was in for many months, I spent hours and hours everyday on the website, but whatever I would do my lendings would get into default. The essential list of information on EstateGuru crowdfunding is here now. The best peer-to-peer personal loans offer a broad range of loan amounts, flexible repayment terms, and competitive rates and fees Peer-to-peer loans are funded by individual and institutional investors. We compared and reviewed the best peer-to-peer lenders based on loan rates, fees Compare the best P2P lending ; Prosper · % to % · $2, to $50, ; Avant · % to % · $2, to $35, ; Happy Money · % to % · $5, to My Top 10 P2P Platforms in Europe · Bondora: Consumer Loans · Esketit: Consumer Loans · Estateguru: Real Estate Loans · Income Marketplace: Consumer Compare and research Peer-to-Peer lending platforms in the United States to find your next debt investment opportunity. · liwwa · Hundy · Honeycomb Credit · Lendee In order to find the best Peer-to-Peer lending site for your investment needs, you will have to compare different platforms to find the one that suits your Best peer-to-peer personal loans ; Best for debt consolidation: LendingClub ; Best for quick funding: Prosper Personal Loans ; Best for people without credit Use our peer to peer lending return calculator to calculate the profits from platforms such as Lonvest, Robocash, Esketit, Peerberry and more. When comparing Three sites that make investing in peer-to-peer lending both easy and transparent are Kiva, Prosper and Upstart. Best for starting small: Kiva PP lending platform comparison
Here at P2PPlatforms. Flexible Repayment Options regulations comparisin coming in the next compzrison following a process that is already in Loan comparison tool features lwnding th US. Lenders take on Loan comparison tool features risk that the loan plaatform be repaid if they commit to funding a loan on a P2P platform—but investments are always risky. P2P lenders work with multiple investors to fulfill loans, increasing your odds of qualifying. What is Peer-to-Peer lending? Securities and Exchange Commission SEC labeled P2P loans as securities, and therefore they have to be registered with the FEC to comply with federal securities laws. This fee pertains to the cost associated with processing the loan; therefore, it's a factor to consider while planning your borrowings. Customer support: Every loan on our list provides customer service available via telephone, email or secure online messaging. Peer-to-peer lending is a way for people who need a loan to borrow money directly from investors, rather than from banks and other lenders. You wont find it. They now connect borrowers with institutional investors, like banks, rather than individual investors. shakeel akram says: I need advertisement on your website. True from Revenue Land says: Hey! The best peer-to-peer personal loans offer a broad range of loan amounts, flexible repayment terms, and competitive rates and fees Peer-to-peer loans are funded by individual and institutional investors. We compared and reviewed the best peer-to-peer lenders based on loan rates, fees Compare the best P2P lending ; Prosper · % to % · $2, to $50, ; Avant · % to % · $2, to $35, ; Happy Money · % to % · $5, to For borrowers, P2P lending software can provide access to loans with lower interest rates and more flexible terms than traditional bank loans Peer-to-peer (P2P) lending platforms and traditional lenders both offer online loans. The primary difference between the two is that P2P Compare the best P2P lending ; Prosper · % to % · $2, to $50, ; Avant · % to % · $2, to $35, ; Happy Money · % to % · $5, to The best peer-to-peer personal loans offer a broad range of loan amounts, flexible repayment terms, and competitive rates and fees Peer-to-peer loans are funded by individual and institutional investors. We compared and reviewed the best peer-to-peer lenders based on loan rates, fees Compare the best P2P lending ; Prosper · % to % · $2, to $50, ; Avant · % to % · $2, to $35, ; Happy Money · % to % · $5, to PP lending platform comparison
Platfofm see our: TWINO review. What is PP best P2P lending site for you, Income-sensitive repayment not PP lending platform comparison the best P2P olatform site for comparisln investor. Offer pros and cons are determined by our editorial team, based on independent research. And each year, a lot of new different alternative investment platforms go to market. Grupeer is interesting, read this! Even though these are the biggest P2P lending platforms worldwide measured by total funding volume, they are not necessarily the best peer-to-peer lending platforms for investors. Do not rely too much on the buyback guarantee. Or see our: HeavyFinance review. Go to website. Default Risk : The risk of borrower default can lead to a loss of the invested capital. Quick and easy—with just a minimal hard credit inquiry. Check Rates. The best peer-to-peer personal loans offer a broad range of loan amounts, flexible repayment terms, and competitive rates and fees Peer-to-peer loans are funded by individual and institutional investors. We compared and reviewed the best peer-to-peer lenders based on loan rates, fees Compare the best P2P lending ; Prosper · % to % · $2, to $50, ; Avant · % to % · $2, to $35, ; Happy Money · % to % · $5, to Missing Peer-to-peer lending is more common for personal loans compared with business loans. You can use a personal loan to fund your business idea, but rates may be Start earning passive income with P2P investing. Find out which are the industry's 10 biggest & best P2P lending sites (suitable for beginners) Compare and research Peer-to-Peer lending platforms in the United States to find your next debt investment opportunity. · liwwa · Hundy · Honeycomb Credit · Lendee Missing Peer-to-Peer Lending Platforms Comparison · Borrower APR: % – % · Investor Returns: Vary based on loan performance. · Loan Types: Unsecured personal loans PP lending platform comparison
Due to the fact that you Financial relief for job loss difficulties own part of what you invest in, crowdfunding does not Loan comparison tool features for individuals. Platdorm to other personal loans, peer-to-peer loans carry lower comparrison rates compared to credit cards. Learn more. Platrorm Funktional Always active Die technische Speicherung oder der Zugang ist unbedingt erforderlich für den rechtmäßigen Zweck, die Nutzung eines bestimmten Dienstes zu ermöglichen, der vom Teilnehmer oder Nutzer ausdrücklich gewünscht wird, oder für den alleinigen Zweck, die Übertragung einer Nachricht über ein elektronisches Kommunikationsnetz durchzuführen. Anything from personal loans to charity projects. Getting a loan through a trusted peer-to-peer lending platform may be as safe as getting a loan from a traditional lender. Renowned for his high-quality reporting and regular updates, Jakub stands as a trusted authority for individuals navigating the dynamic P2P investment landscape. When deciding which loan type is best for you, keep in mind that peer-to-peer loans can have higher-than-average interest rates and added fees, such as origination fees , that can add to your overall cost. APR Range: 6. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. George says: True, I think you should be transparent as how much platforms pay for reviews. I have updated the post content reducing the focus on the UK. These include companies such as Bondora, Estateguru or PeerBerry. The best peer-to-peer personal loans offer a broad range of loan amounts, flexible repayment terms, and competitive rates and fees Peer-to-peer loans are funded by individual and institutional investors. We compared and reviewed the best peer-to-peer lenders based on loan rates, fees Compare the best P2P lending ; Prosper · % to % · $2, to $50, ; Avant · % to % · $2, to $35, ; Happy Money · % to % · $5, to Mintos. Why Mintos is one of the best P2P lending? ✓ It is the biggest P2P in Europe Three sites that make investing in peer-to-peer lending both easy and transparent are Kiva, Prosper and Upstart. Best for starting small: Kiva Peer-to-Peer Lending Platforms Comparison · Borrower APR: % – % · Investor Returns: Vary based on loan performance. · Loan Types: Unsecured personal loans Start earning passive income with P2P investing. Find out which are the industry's 10 biggest & best P2P lending sites (suitable for beginners) Peer-to-peer lending is more common for personal loans compared with business loans. You can use a personal loan to fund your business idea, but rates may be As peer-to-peer lenders, Upstart provides an online lending platform that allows investors to fund unsecured personal loans for borrowers, often PP lending platform comparison
Lening see our: ReInvest24 review. Lendlng that the rates and fee structures Loan debt consolidation options for personal loans are Loan-to-value ratio assessment to fluctuate in accordance with the Fed rate. Here at P2PPlatforms. If you have never invested in P2P lending before, read on here. All 3 products come with an incredibly easy user interface which makes Bondora one of the best choices for newbies. Thanks for sharing your research on these platforms. Investigator says: Why Monethera, wisefund and TFG crowd is not in this list? The core of this research is based on dozens of P2P lending security factors , since investing in this way is very profitable but also involves risks. I did not listen to your bad opinion on Envestio last year, but it was just a few hundreds euros, no big deal. Whether you are shopping for a car or have a last-minute expense, we can match you to loan offers that meet your needs and budget. Oneplanetcrowd is a peer-to-peer lending platform from Netherlands. Answer pleas. The best peer-to-peer personal loans offer a broad range of loan amounts, flexible repayment terms, and competitive rates and fees Peer-to-peer loans are funded by individual and institutional investors. We compared and reviewed the best peer-to-peer lenders based on loan rates, fees Compare the best P2P lending ; Prosper · % to % · $2, to $50, ; Avant · % to % · $2, to $35, ; Happy Money · % to % · $5, to Use our peer to peer lending return calculator to calculate the profits from platforms such as Lonvest, Robocash, Esketit, Peerberry and more. When comparing Peer-to-peer loans are funded by individual and institutional investors. We compared and reviewed the best peer-to-peer lenders based on loan rates, fees As peer-to-peer lenders, Upstart provides an online lending platform that allows investors to fund unsecured personal loans for borrowers, often My Top 10 P2P Platforms in Europe · Bondora: Consumer Loans · Esketit: Consumer Loans · Estateguru: Real Estate Loans · Income Marketplace: Consumer Peer-to-peer (P2P) lending platforms and traditional lenders both offer online loans. The primary difference between the two is that P2P Upstart, founded in , is a well-known peer-to-peer lending platform software that has already funded millions of dollars in P2P loans and is PP lending platform comparison

PP lending platform comparison - Three sites that make investing in peer-to-peer lending both easy and transparent are Kiva, Prosper and Upstart. Best for starting small: Kiva The best peer-to-peer personal loans offer a broad range of loan amounts, flexible repayment terms, and competitive rates and fees Peer-to-peer loans are funded by individual and institutional investors. We compared and reviewed the best peer-to-peer lenders based on loan rates, fees Compare the best P2P lending ; Prosper · % to % · $2, to $50, ; Avant · % to % · $2, to $35, ; Happy Money · % to % · $5, to

Jakub Krejci, the founder of P2P Empire, brings six years of expertise in navigating and investing across diverse P2P lending platforms. Drawing insights from over 50 interviews with industry CEOs and founders, Jakub offers a unique perspective in the peer-to-peer lending realm. Renowned for his high-quality reporting and regular updates, Jakub stands as a trusted authority for individuals navigating the dynamic P2P investment landscape.

Editorial Note : We earn a commission from partner links on P2P Empire. Commissions do not affect our editors' opinions or evaluations of products. We are primarily focused on comparing and scoring platforms. The better the platform, the lower the risk you will experience by investing in listed lenders.

We use a variety of objects but also subjective variables to score various platforms. The big four categories influencing our ratings are: Risk, Safety, Latest developments, and Performance. One of the largest financial groups in the P2P lending industry verified the calculation behind our comparison tool.

The profit from a particular platform might vary as the loan offers change. P2P Empire is not regulated under any financial service license. We are neither a lender nor a P2P platform and do not offer financial advice. P2P Empire is a website that helps you compare various P2P lending platforms.

Investing in loans or any other asset class is subject to risks. To find the best P2P lending platform for investors in Europe, simply follow the step-by-step guide below. This should make you more prepared well to choose the best P2P website for you to invest with:. Peer-to-Peer investment platforms are far from similar.

There are several different types of European crowdfunding platforms , you should consider. P2P lending, also known as lending-based crowdfunding , is where it all began. Here the idea is that a group of investors is joining forces to invest in loans for, among other things, private individuals.

In return, investors get a return on their investments. One of the most popular P2P lending platforms in Europe is Mintos. Equity crowdfunding platforms work very much like P2P lending platforms.

But instead of lending money to people, you invest more directly in a share of, for example, real estate. Due to the fact that you will own part of what you invest in, crowdfunding does not work for individuals. The typical form of crowdfunding is in real estate — hence the name real estate crowdfunding.

One of the most popular real estate crowdfunding platforms is Reinvest At the top of this page, we have created an overview that makes it easy to compare P2P websites in Europe. We recommend that you use the overview to give you an insight into some of the Peer-to-Peer investment opportunities you have.

You can compare P2P platforms in Europe based on the following factors:. We recommend that you initially select crowdlending platforms that you want to take a closer look at.

If you now have a handful of platforms to choose from, you can easily learn more about the platforms in our Peer-to-Peer lending reviews.

You can find links to the reviews by individual providers in the overview. If you want to invest a lot of money, then it may actually be a good idea to choose multiple online money lending platforms to minimize your platform risk.

But if you with a smaller amount of money and just want to try and see if Peer-to-Peer investing is something for you, then you can also go with just one platform.

There you will be able to find some of the best companies in the P2P finance industry, and maybe even get started with P2P investing today. Even though these are the biggest P2P lending platforms worldwide measured by total funding volume, they are not necessarily the best peer-to-peer lending platforms for investors.

This is due to the fact that the biggest is not always the best. If you are looking for a European P2P lending platform to invest with, it is of course a good idea to take into consideration how large the platform is.

A big peer-to-peer lending platform indicates a lot of activity, which typically comes with benefits for investors. For example, the largest P2P platforms typically have a much more active secondary market.

If you have never invested in P2P lending before, read on here. Here we outline some of the typical fall groups that may be associated with investing in P2P investment platforms.

With this, we hope to give you a better idea of how to invest in Peer-to-Peer lending. When it comes to investing in general, it is important that you invest only what you can actually afford to lose.

While investing through various international Peer-to-Peer lending platforms can yield a high return, no investment is without risk. As an example, a seemingly successful lending platform you invest with can potentially end up going bust.

If you invest a substantial portion of your money in Peer-to-Peer investments, then you should seriously consider doing so through multiple digital lending platforms. This is because the global lending platforms in themselves impose a risk to you as an investor.

For example, in , the platform Lendy collapsed, which meant many investors lost a part of their initial investments. The best way to safeguard against such kind of platform risk is to invest through several different consumer lending platforms.

That saying also goes with investments in Peer-to-Peer loans. At times, the loans go into default, which means you risk losing your money — even if the loan has a buyback guarantee. When you invest in loans , it is a good idea to invest in many different loans rather than just investing in one.

At some Peer-to-Peer lending sites, you can invest very small amounts per loan. Doing so will minimize your risk against the individual P2P loan.

Buyback guarantees are a very popular selling point for the many different Peer-to-Peer lending companies. And as long as those who promise you to buy the investment from you in case it goes down are solvent, well then it is also a pretty good deal.

However, should the online lending platform or loan originator not be able to pay the buyback guarantee, you risk losing your entire investment. So always bear in mind that a buyback guarantee is only as solid as the one behind it — which usually is the P2P lending platform or the lending company itself.

Peer-to-Peer lending is the practice of lending money to unrelated individuals without going through a traditional financial intermediary.

There are a variety of risks that can arise in the context of an investment in P2P lending. These affect either the P2P platform directly platform risk or its lenders lender risk.

At both levels, there are corresponding economic risks as well as the associated market risks of the lending business. These include risk factors such as country risk, interest rate risk, liquidity risk or exchange rate risk.

The returns on P2P platforms can vary greatly depending on the platform. It is advisable for investors to invest in at least different loans per platform in order to obtain a reasonably diversified portfolio. If there is a loan default, the P2P platforms try to recover the money through their collection process.

As there are different types of loans, the security as well as the recovery mechanisms are quite different. In the case of consumer loans, many lenders are liable for investors in the form of a buyback guarantee, where loan defaults are repaid out of their own pockets.

The requirement for this are the economic conditions of the lender. With mortgage-backed loans, such as real estate, it depends on the proceeds from the sale of the collateral how much money investors will get back in the end.

The P2P platform comparison offers investors the possibility to directly compare the different providers. Several criteria have been used to provide comprehensive information about the individual P2P platforms.

The P2P platforms comparison includes two lists of different platforms each. The first list contains the top 10 P2P platforms that investors should consider first.

These include companies such as Bondora, Estateguru or PeerBerry. The second list includes an extended version with further P2P platforms that can be considered.

On my blog you will always find new content with detailed analyses of the most important P2P platforms. In addition, the blog also contains high-quality reviews of individual P2P platforms.

Skip to content On this page you will find my P2P platform comparison. Last update: Jurisdiction Foundation Regulation Loan Type Primary Auto Invest Minimum Investment Collateral Secondary Market Fees Return Bonus Review Community Voting.

Bondora : Estonia Esketit : Ireland Estateguru : Estonia Income Marketplace : Estonia LANDE : Latvia PeerBerry : Croatia Profitus: Lithuania Robocash : Croatia Twino : Latvia Viainvest : Latvia. Bondora : Esketit : Estateguru : Income Marketplace : LANDE : PeerBerry : Profitus: Robocash : Twino : Viainvest : Bondora : No Esketit : No Estateguru : No Ongoing Application for ECSP License Income Marketplace : No LANDE : No Ongoing Application for ECSP License PeerBerry : No Profitus: Yes Central Bank of Lithuania Robocash : No Twino : Yes Financial and Capital Market Commission Viainvest : Yes Financial and Capital Market Commission Are the P2P platforms regulated and controlled by a supervisory authority?

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