Swaper
Estonia · Consumo · Fundada 2016
A nossa nota
Retorno médio
14,0%
média da plataforma
Regulação: Not licensed under ECSPR
Não temos parceria com esta plataforma — é uma ligação normal para o site deles.
O nosso 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.
O 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
O que não funciona
- 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 quem é
Experienced investors taking a deliberate, small, high-yield position with full awareness that they cannot verify much of what sits underneath it.
Como se decompõe a nota
Como esta pontuação é calculadaCada dimensão é pontuada de 0 a 10 a partir de dados documentados, depois multiplicada pelo seu peso e somada. Só se arredonda no fim.
Número retirado de: www.swaper.com · 18 de set. de 2026 · Advertises up to 16%; uses a 14% average annualised rate in its own calculator
Monitorização das condições
Relemos diariamente as condições públicas desta plataforma e registamos o que muda.
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