Swaper vs ViaInvest is one of the cleanest risk-vs-reward tradeoffs in European P2P lending. Swaper offers ~14% returns (16% with the loyalty bonus) but is completely unregulated. ViaInvest offers ~13% returns under MiFID II regulation — the same framework that governs banks and brokerages. Is the extra 1-3% worth giving up regulatory protection? That’s the […]

I invest on both Esketit and Lonvest, and the dynamic between these two platforms is one of the more interesting stories in European P2P lending right now. Esketit has been around since 2020 and was once the well-backed platform with AvaFin (formerly Creamfinance) standing behind it. That changed in 2025 when AvaFin withdrew from P2P […]

I get asked fairly often about the tools and software I use on a daily basis. Rather than answering the same questions repeatedly, I thought I’d put together this comprehensive overview of my current setup. As someone who’s passionate about technology and productivity, I’m always experimenting with new tools. But these are the ones that […]

If you’re comparing Esketit and ViaInvest, you’re looking at two platforms that take regulation seriously — but in very different ways. That’s what makes this comparison interesting. I’ve been investing on both platforms and watching them evolve. ViaInvest has been a quiet, steady performer backed by the profitable VIA SMS Group since 2016. Esketit, launched […]

I use both Revolut and bunq from Barcelona. Not because I’m indecisive — because they’re genuinely different banks solving different problems, and living in Spain as an expat has taught me that having the right banking setup matters more than you’d think. Revolut is the financial super-app. It does everything: spending, saving, investing, crypto, insurance, […]

Mintos and Bondora represent two completely different philosophies of P2P lending. I’ve had money on both platforms for years — over EUR 150,000 on Mintos since 2017 and a smaller allocation on Bondora since 2016. And honestly, comparing them is a bit like comparing an online stock brokerage to a savings account. They serve different […]

Comparing Bondora and PeerBerry isn’t really comparing two similar products. It’s comparing two completely different philosophies of P2P investing. Bondora’s Go & Grow gives you a fixed 6.75% annual return with absolutely zero effort — deposit money, earn interest, withdraw when you want. PeerBerry gives you ~11% through a traditional loan marketplace where you choose […]

PeerBerry and Swaper are the two platforms I get asked about most often by investors who want simplicity. Both are unregulated. Both focus on short-term consumer loans. Both offer loyalty programs that reward larger portfolios. Both have buyback guarantees. They’re closer in DNA than almost any other pair of European P2P platforms. So the differences […]

Mintos and Swaper represent two completely different philosophies of P2P investing. Mintos is the diversified marketplace — 60+ loan originators, 33+ countries, multiple asset classes. Swaper is the high-yield specialist — one loan originator, a fixed 14% return, and a loyalty bonus that pushes it to 16%. I invest on both platforms, and they serve […]

Mintos and ViaInvest are the two most heavily regulated P2P lending platforms in Europe. Both operate under MiFID II — the same regulatory framework that governs traditional banks and brokerages. Both are based in Latvia. Both offer the EUR 20,000 investor compensation scheme. So why would you choose one over the other? I’ve invested on […]