Afranga

Bulgaria · Consumo · Fondata 2021

Nostro punteggio

5,9

Rendimento medio

16,0%

massimo pubblicizzato

Regolamentazione: ECSPR licence, decision 863-DUKF of 12 Sep 2023 (Financial Supervision Commission, Bulgaria)

0,5 % di cashback sul denaro che depositi e investi nei primi 90 giorni

Apri un conto su Afranga Leggi la recensione completa Vedi le condizioni del bonus

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Il nostro giudizio

Afranga is better regulated than most platforms paying double-digit rates: AFRANGA EOOD holds an ECSP licence from Bulgaria's Financial Supervision Commission (Decision 863-ДУКФ, 12 September 2023), passported to France, and client money sits in individual accounts at Lemonway rather than in the platform's own account. That is a difference in how money is handled, not in what it is lent to. By Afranga's own originator figures, about 95% of invested money sits with Stikcredit, Lendivo and Tiberus, companies built by the same team; Afranga's sole owner, Svetlin Sabev, sits on Stik-Credit's board, and Stik-Credit's audited 2024 accounts show BGN 10.1 million owed to it by related parties. There is no buyback and no compensation scheme, so six originators on the page behave like one exposure.

Leggi la nostra recensione completa di AfrangaRegolamentazione, rendimenti, costi, rischi e il nostro verdetto, in dettaglio (in inglese).

Cosa funziona

ECSP licence from Bulgaria's FSC (Decision 863-ДУКФ, 12 September 2023), confirmed on the AMF white list rather than merely claimed
Client money held in individual accounts at Lemonway, an ACPR-licensed payment institution, outside Afranga's own accounts
Anchor originator Stik-Credit publishes audited accounts with an unqualified opinion from Zaharinova Nexia, showing a 2024 net profit of BGN 6.8 million
No marketplace fees, a €10 minimum per loan, early withdrawal of up to 30% on SaveSmart for 1%, and a secondary bulletin board since August 2026

Cosa non funziona

About 95% of the money on Afranga's originator page sits with Stikcredit, Lendivo and Tiberus, which share a founding team
No buyback and no compensation scheme; the terms disclaim any warranty of borrower solvency
Headline figures do not match: €100M+ invested on the homepage against €43.05 million on the statistics page, and 'up to 16%' against averages of 8.97–11.58%
Short, interrupted history: relaunched in March 2025, no auto-invest, and the secondary market only weeks old

A chi si rivolge

Investors who want a licensed platform at the high end of the rate range and will treat the whole position as one bet on one Bulgarian lending group, sized accordingly.

Come si compone il punteggio

Come si calcola questo punteggio

Regolamentazione30%7.5/10

Storico25%5.6/10

Trasparenza15%3.6/10

Liquidità15%7.5/10

Diversificazione10%4.5/10

Rendimento plausibile5%3.0/10

Ogni dimensione è valutata da 0 a 10 su dati documentati, poi moltiplicata per il suo peso e sommata. Si arrotonda solo alla fine.

Dato tratto da: go.afranga.com · 19 set 2026 · Afranga advertises 'up to 16%'. Its own originator table shows per-originator averages of 8.97-11.58%, and independent trackers report realised returns of 12.9-14.7%. We publish the advertised maximum because the platform's own pages do not agree on an average.