Last Update:
20/10/2025
€116,472.42
Total portfolio amount
FAQ About The Portfolio
What is IRR?
IRR represents the internal return rate, a discount rate that makes the net present value (NPV) of all cash flows equal to zero in a discounted cash flow analysis. In short, it helps calculate the portfolio's profitability over a specific period. This rate also considers cash drag, periodic changes in the interest rate, and delayed loan repayments. The IRR shown in our portfolio has been calculated monthly for the past 12 months.
What's the difference between Active, Testing and Exiting?
The active portfolio signifies where most of its profits are reinvested. On the other hand, testing portfolios refer to those where no additional investments are made. When the portfolio is labeled as "Exiting," that implies the withdrawal of all funds is ongoing.
Why does the investment period matter?
In order to gain a comprehensive understanding of any platform, it is important for investors to invest over time and gather experience in both prosperous and turbulent economic cycles.
Should I just copy your portfolio?
We never recommend blindly following any investment strategy. Our risk appetite might differ from yours. Always do your research before deciding to invest money in P2P loans.
Latest Portfolio Update
Stay informed about the latest updates regarding our P2P lending portfolio to find out which platform is performing well and which isn’t.
Read The Latest News
20. October 2025Fitch Flags Robocash with Negative Watch After Licence Suspension in Kazakhstan
Fitch has placed Robocash.kz’s ‘B-’ long-term rating on Rating Watch Negative after Kazakhstan’s regulator suspended its microfinance licence for two months. The suspension, citing poor underwriting practice, prevents new loans but allows servicing of existing ones. Fitch warns that if the licence isn’t restored by November’s end, it could seriously damage Robocash’s credit profile and business viability.
20. October 2025Fitch Flags Robocash with Negative Watch After Licence Suspension in Kazakhstan
Fitch has placed Robocash.kz’s ‘B-’ long-term rating on Rating Watch Negative after Kazakhstan’s regulator suspended its microfinance licence for two months. The suspension, citing poor underwriting practice, prevents new loans but allows servicing of existing ones. Fitch warns that if the licence isn’t restored by November’s end, it could seriously damage Robocash’s credit profile and business viability.
18. October 2025P2P Lending Update: Esketit Fallout, EstateGuru Recovery Doubts, Mintos Fee Change
Esketit's abrupt move from Ireland to Croatia has locked over €40M of investor funds, stripping access to liquidity tools for old loans and forcing investors to wait up to two years for repayments. EstateGuru’s recovery progress remains weak, with defaults rising despite a new recovery goal and higher management fees. Meanwhile, Mintos introduced a €4.9 inactivity fee and recovered €1M from suspended lenders in October. Watch our latest video to get the scoop on the latest news.
17. October 2025Esketit’s Sudden Migration Limits Liquidity, Raises Red Flags
Esketit moved its operations from Ireland to Croatia with just 9 days’ notice, limiting functionality on Irish accounts. While withdrawals remain possible, investors can’t sell claims or use the cash-out feature. Those holding long-term loans may face locked capital until repayments finish. We have contacted the platform for further clarification. As of now, we evaluate their messaging as misleading and consider this move a significant red flag.
