Swaper
Estonia · Consommation · Créée en 2016
Notre score
Rendement moyen
14,0%
moyenne de la plateforme
Régulation: Not licensed under ECSPR
Aucun partenariat avec cette plateforme : il s'agit d'un lien ordinaire vers son site.
Notre verdict
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.
Ce qui fonctionne
- 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
Ce qui ne fonctionne pas
- 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
À qui cela s'adresse
Experienced investors taking a deliberate, small, high-yield position with full awareness that they cannot verify much of what sits underneath it.
Détail du score
Comment ce score est calculéChaque dimension est notée de 0 à 10 à partir de données documentées, puis multipliée par son poids et additionnée. Rien n'est arrondi avant la fin.
Chiffre relevé sur: www.swaper.com · 18 sept. 2026 · Advertises up to 16%; uses a 14% average annualised rate in its own calculator
Suivi des conditions générales
Nous relisons chaque jour les conditions publiques de cette plateforme et consignons ce qui change.
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