P2P lending — Mintos, PeerBerry, Bondora, and EU yield platforms

P2P lending

Lending capital to borrowers via peer-to-peer platforms.

P2P lending platforms (Mintos, PeerBerry, Bondora, Estateguru) advertise 9-12% APY with buyback guarantees that make the marketing read like guaranteed income. The reality, after the 2022-2024 stress test: real net yields are 6-9% after defaults and originator failures.

The pillar focuses on EU-residence platforms (most P2P platforms restrict non-EU accounts) and the diversification discipline — across platforms, originators, and geographies — that makes the model work without unacceptable concentration risk.

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$1K–10K

P2P Lending (Mintos, PeerBerry)

Advertised 9-12% yields with buyback guarantees. Real net returns of 6-9% after defaults, originator failures, and platform-risk events stress-tested 2022-2024.