Consult with a tax professional in your country for advice specific to your situation, especially for international investors who may face more complex reporting requirements.
In the event that the P2P platform encounters financial difficulties or has to declare bankruptcy, the company will likely be wound down, and existing loans will continue to run. It’s important to differentiate here whether the insolvency affects the P2P platform or its parent company.
Other users acknowledged delays tied to loans originated in Ukraine and Russia, yet noted full repayment of balances—even after years—reflecting PeerBerry’s reliability in crisis.
The yields on the loans are up to 12%, with an average of around 11% from what I am seeing on the platform. They also have a buyback guarantee on all the loans, which is pretty neat.
Viainvest is an audited financial company from Latvia that holds an investment brokerage firm licence. It is subject to the regulations of the European and Latvian supervisory authorities and is therefore definitely reputable!
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The standout features are its exceptional withdrawal speeds and highly customizable auto-invest system.
PeerBerry is a large p2p platform with loans from various countries. It does not issue loans itself but works with loan originators
With Viainvest, you can only invest in private loans from the ViaSMS Group. This makes you dependent on their success; at the same time, however, it also makes due diligence easier. A quick glance is enough viainvest to realise that the Group has always been profitable – with the exception of the COVID crisis year 2022 – and recently recorded profits in the millions. The signs are pointing to growth here, so investors do not need to worry about stability at the moment. Based on my experience in the P2P market, I would therefore describe Viainvest as one of the most exciting providers. Personally, I will therefore triple my investment on the platform this year!
Our investment results depend on our own preferences in what we want to invest in. If we target only loans with a limited supply, we must also accept competition on the platform (we are not alone, and we are not first in the queue). If preferred loans are not enough for everyone, AutoInvest can not invest either (AutoInvest as a tool works well, but if there are no loans under the chosen parameters, there is nothing AutoInvest can invest in).
The largest loan originator is Aventus Group, which also founded PeerBerry. Aventus operates in 18 countries across Europe and South America, making it the largest online lender globally in terms of geographic reach. It also works with a large number of other institutions.
PeerBerry provides documentation to help with tax reporting, but investors are responsible for ensuring proper tax compliance in their jurisdiction. We strongly recommend consulting with a qualified tax professional for advice tailored to your specific situation.
The information provided in this section is for general guidance only and does not constitute tax advice. Tax laws and regulations vary significantly by country and individual circumstances.