Swaper
Estonia · Consumo · Fundada 2016
Nuestra nota
Rentabilidad media
14,0%
media de la plataforma
Regulación: Not licensed under ECSPR
No tenemos acuerdo con esta plataforma: es un enlace normal a su propia web.
Nuestro veredicto
Swaper pays one of the highest rates in the sector and has paid it reliably for nine years, which is the whole case for it. The whole case against it is that you cannot see very much. It is wholly dependent on the Wandoo Finance group, group-level reporting is thinner than it should be for a platform underwriting these rates, and there is no licence and no secondary market. Our 14% figure is the loyalty rate for balances above €25,000; the base rate is lower.
Lo que funciona
- Among the highest sustained rates available anywhere in European P2P
- Nine years of uninterrupted payments including through 2020 and 2022
- Very simple product — almost nothing to misconfigure
- Buyback has been honoured within 30 days consistently
Lo que no
- Single-group dependency on Wandoo Finance with limited public financials
- No ECSPR licence, no secondary market, no exit before maturity
- The advertised rate requires a €25,000 balance — most investors earn less
- Transparency is the weakest of any platform we score above 7
Para quién es
Experienced investors taking a deliberate, small, high-yield position with full awareness that they cannot verify much of what sits underneath it.
Desglose de la nota
Cómo se calcula esta puntuaciónCada dimensión se puntúa de 0 a 10 a partir de datos documentados, luego se multiplica por su peso y se suma. No se redondea hasta el final.
Cifra tomada de: www.swaper.com · 18 sept 2026 · Advertises up to 16%; uses a 14% average annualised rate in its own calculator
Seguimiento de condiciones
Releemos las condiciones públicas de esta plataforma cada día y registramos lo que cambia.
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