Swaper
Estonia · Consumo · Fondata 2016
Nostro punteggio
Rendimento medio
14,0%
media della piattaforma
Regolamentazione: Not licensed under ECSPR
Nessuna partnership con questa piattaforma: è un link normale al loro sito.
Il nostro giudizio
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.
Cosa funziona
- 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
Cosa non funziona
- 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
A chi si rivolge
Experienced investors taking a deliberate, small, high-yield position with full awareness that they cannot verify much of what sits underneath it.
Come si compone il punteggio
Come si calcola questo punteggioOgni 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: www.swaper.com · 18 set 2026 · Advertises up to 16%; uses a 14% average annualised rate in its own calculator
Monitoraggio condizioni
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