Since its launch in 2013, Kviku has established itself as a relatively successful P2P lending platform. In fact, those that are familiar with fintech solutions – such as Mintos, Peerberry and Swaper, might have already come across the name Kviku.

To give you an introduction, Kviku Finance is an investment platform that is part of the wider Kviku Group. The lending portfolio of its P2P arm is financed through independentfunds, as well as independentinvestors.

In this review, I take a closer look at what Kviku has to offer. This includes the types of P2P loans you will be financing, what interest yields are available, and crucially – how safe your capital is.

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Peer-to-Peer lending creates a marketplace that offers both parties what they seek. On the one hand, the system allows borrowers to avoid the hassle of turning to a bank and oftentimes – benefit from more competitive interest rates.

In the case of lenders, the phenomenon allows you to invest your money into third-party loans that typically offer a much higher yield than that of traditional assets.

Robocash is one such provider that caught my eye. Launched in 2017 – it offers a fully automated financial platform that follows the core principles of the peer-to-portfolio model. The service delivers an opportunity for you to invest in loans facilitated by Robocash Group.

In this review, I explore the ins and outs of how Robocash works, what loans you are investing in, how much you should expect to make, and of course – what risks to consider.

What is Robocash?

Robocash is behind a group of subsidiaries that offer robotic financial services in the lending marketplace, subsequently funding alternative loans. It focuses on providing automated fintech solutions and making international investments accessible to everyone.

The peer-to-peer lending process sits at the core of RoboCash Group. It primarily targets European investors, albeit, plans are being made to expand further afield in the near future.

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Bondster is an online peer-to-peer (P2P) lending platform that allows you to invest in loans of various types. You will be financing loan originators who in turn will lend the money to the end borrower. All in all, Bondster offers some of the highest yields in this particular space at up to 17% annually.

But, to what extent is your money at risk?

This is exactly what I intend on finding out in my Bondster review. Within it, I cover everything you need to know to determine whether this P2P lending site is right for you. I’ll explain how the Bondster platform works, who you’ll be lending money to, what returns to expect and ultimately – how safe your investments are.

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The online crowdfunding arena now touches a vast number of investment sectors. As you likely well know, this covers everything from real estate, consumer and business loans, development financing, and even fine art. With that said, a rather interesting sector that is yet to fully take-off is that of litigation crowdfunding.

This is where you will be – alongside your fellow crowdfunding platform members, financing legal cases. In return – and on the proviso that legal proceedings are financially successful, you as an investor will be entitled to your share.

If you’re keen to find out more about this somewhat innovative crowdfunding opportunity, I welcome you to read my in-depth AxiaFunder Review. I cover each and every metric that I think you should consider before taking the plunge – such as how AxiaFunder works, what types of cases you can invest in, expected returns, and of course – the underlying risks involved.

What is AxiaFunder?

Founded in 2016, AxiaFunder is an online crowdfunding platform that specializes exclusively in litigation finance. Before I go any further, it is relevant for me to quickly outline the fundamentals of what litigation finance actually is – as it might be something you haven’t previously come across.

In its most basic form, litigation finance allows those seeking financial damages through the courts to fund their claim when they are unable to do so themselves.

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In this review, I’ll be taking a look at Swaper, one of my favorite P2P lending platforms in both function and design.

Swaper is one of the latest entries into the P2P lending space in Europe, having started operations in May 2019. They have found success pretty quickly though, amassing more than 4000 active investors, 160m euro in investments and 2.1m euro in interest paid back to investors.

What is Swaper?

Swaper is a P2P lending platform, where you can earn up to 16% annually. The minimum investment is €10. There are no fees for investors, including the secondary market.

Swaper differs from other platforms by operating with only one loan originator, Wandoo, as well as offering all loans at a fixed 14% interest return. If you’re a VIP investor (details below) you will earn 2% more, therefore 16% annually.

You can invest in either EUR and GBP to avoid money transfer fees.

A buyback guarantee is also in place, whereby when borrowers are late for more than 30 days, Swaper will buy back the loan from the investor.

As an investor, you can also make use of the auto-invest system to invest money automatically, for example a set amount every week, or also to reinvest the interest received.

Swaper operates and provides its services under the legislative acts of the Republic of Estonia. Swaper is not a regulated financial institution and the claim rights offered for purchase on Swaper’s website are not considered as securities or any other regulated financial instruments.

Therefore the business activities of Swaper do not fall under the supervision of any Financial Supervisory Authority. Your investments are not guaranteed in any way. This is pretty normal for P2P lending platforms, although if this is your first P2P lending investment I would advise that you take this into consideration and make sure you’re comfortable with the risk before taking the plunge.

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