Platforms
Every platform I use, compared honestly.
Regulation status, the return I actually realized, and the single risk I'd flag for each — sorted however you like. Platforms aren't ranked by affiliate payout, and the ones I've exited are still listed.
| Platform | Regulation | My return | Key risk note |
|---|
Returns are my realized, net figures since I started on each platform. How I calculate them →
Affiliate disclosure
"View platform" and "Read review" links may be affiliate links: if you sign up through them I may earn a commission at no cost to you. It does not change the order of this table, the returns shown, or which platforms I hold. Read the full disclosure → How returns are measured
Net of fees and defaults, realized only — pending interest and unrecovered late loans are excluded. Each figure is XIRR since my first deposit on that platform.
How risk notes are written
One sentence, the thing I'd actually want a friend to know — not a marketing bullet. Regulation status reflects the platform's current EU licensing, not a guarantee.