Period: August 2026 · Updated: 6 September 2026 ·August brought positive signals from some of the P2P platforms covered: portfolio growth, completed recoveries and additional ways to access invested funds. These developments support a moderately positive editorial assessment of the month, but they are not sufficient to conclude that credit risk across the sector has declined.
This review covers public announcements from PeerBerry, TWINO, Afranga, Income and Robocash. It focuses on selected platforms and events and does not measure the entire European P2P market.
Key developments
PeerBerry: growth in the active portfolio
According to PeerBerry’s monthly report, investors funded €39.36 million in loans during August. The active portfolio reached €150.23 million at month-end, approximately 4% higher than at the end of July. Interest paid to investors during August exceeded €1.12 million.
These figures indicate growing investment activity. On their own, however, they do not demonstrate an improvement in loan quality or the financial resilience of loan originators.
TWINO: Moneza recovery completed
TWINO announced the full recovery of the remaining funds related to claims against its former Russian loan originator, Moneza. According to the platform, the outstanding exposure has been reduced to zero.
This is a positive development for a specific troubled portfolio. It does not mean that risks associated with other investments have disappeared.
The platform also introduced automatic transfers of eligible repayments from Main Wallet to FLEXI. This feature makes funds easier to manage, but does not by itself demonstrate improved exit options across all products.
Afranga: payment infrastructure and limited early access to funds
Afranga states that it operates as a licensed European crowdfunding service provider and uses Lemonway for its payment infrastructure, with separate payment accounts for investor funds.
The SaveSmart Liquidity feature announced in August allows early withdrawal of up to 30% of an investment, capped at €5,000, for a 1% fee.
This option may improve access to part of the invested funds. However, its limits, fee and applicable conditions mean it should not be treated as full or unconditional liquidity.
Income: an additional guarantee for One Leasing
On 25 August, Income announced that One Leasing’s obligations under its agreements with the platform, including the related buyback obligations, were backed by a guarantee from its parent company, Virtus Invesco Partners.
The guarantee provides an additional party from which fulfilment of the obligations may be sought. Its practical value depends on the guarantor’s financial position and its ability to meet those obligations during financial difficulties.
Robocash: a slight increase in loan supply
Robocash reports a slight increase in available loan supply during August and stable payments to investors.
This is a moderately positive signal for investment availability. Assessing credit quality requires separate data on arrears, losses and the financial position of loan originators.
What the data show
Investment activity
Positive signals from some of the platforms covered, including growth in PeerBerry’s portfolio.
Returns
Double-digit interest rates remain available on some investments. The advertised interest rate is not the same as the realised net return.
Credit risk
The completed recovery and the new guarantee are specific positive developments. There is insufficient comparable data to establish an overall reduction in risk.
Liquidity
New features offer ways to access and manage funds, but their benefits depend on the product, limits and fees.
Stability
Operational and regulatory developments provide useful context. A robust assessment also requires financial statements, credit quality data and payment history.
Overall assessment
August showed moderately positive developments at the platforms covered, primarily in investment activity and selected product improvements.
The conclusion on risk is more limited. The selected announcements do not provide sufficient comparable data on arrears, losses and the financial position of all participants. Positive news should therefore not be interpreted as evidence of a safer P2P market.
How this review was prepared
This is a qualitative editorial analysis of selected public announcements concerning August 2026. It considers investment activity, advertised returns, credit risk, liquidity and operational developments.
No overall average return is calculated because the products and published metrics are not fully comparable. No numerical score is assigned without scoring rules published in advance.
Platforms’ public announcements reflect their own reporting and selection of information. The absence of reported problems is not treated as evidence that there is no risk.
What to watch in September
- New data on arrears, losses and recoveries.
- Whether portfolio growth continues.
- Actual exit times, restrictions and costs.
- Financial statements from loan originators and guarantors.
- Changes in loan supply and advertised interest rates.
Important: This article is for information only and does not constitute investment advice. P2P and crowdfunding investments involve the risk of partial or total loss of capital.
Platforms mentioned in this review
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