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 […]

Mintos and PeerBerry are the two largest peer-to-peer lending platforms in Europe, and if you’re getting started with P2P investing, you’ve probably narrowed it down to one of these two. I’ve been investing on both for years — over EUR 150,000 on Mintos since 2017 and a smaller but meaningful allocation on PeerBerry. They’re both […]

On the surface, PeerBerry and Robocash look like they belong in the same category. Both are unregulated European P2P platforms offering consumer loans with buyback guarantees and similar returns. Both launched in 2017. Both are backed by a parent lending group rather than hosting independent third-party originators. But dig into the details, and these two […]

I need to be upfront about this comparison: Mintos and Robocash are not on the same level anymore. I’ve invested on both platforms, and while I originally included Robocash in my portfolio as a diversification play, the situation has changed significantly. As of March 2026, I no longer recommend Robocash and have removed it from […]

If you’re a European investor looking for a low-cost broker, your shortlist probably starts and ends with two names: DEGIRO and Scalable Capital. These are the two brokers that come up in nearly every conversation about affordable investing in Europe — and for good reason. Both offer access to thousands of stocks, ETFs, and other […]

Start investing on Capitalia I first came across Capitalia back in 2021, when I had an introductory call with their team. At the time, the platform was still in its earlier stages of opening up to retail investors. Five years later, Capitalia has become one of the most established business lending platforms in Europe, with […]

PeerBerry and Esketit target a similar type of investor — someone looking for solid returns on European consumer loans without the complexity of a mega-platform like Mintos. I’ve invested on both, and until recently, I would have called them roughly comparable options with different strengths. But 2025 changed the equation. PeerBerry has continued its steady […]