Good afternoon. Anyway, investment is linked to the risks. Or are the investment into platforms on your platform are as reliable as bank deposited are?
Since bank failures have a huge impact on the financial system, they are closely regulated to reduce and provide for bad loans and have adequate capital. The return rates reflect that.
Since your return more or less corresponds to the inflation rate in your particular country.
P2P lending has inherent risks of defaults, and late loans. However the quality of borrowers has been very good for many years.
The platforms know that defauts are the single largest threat to their business, so they avoid risky loans.
The problem in the P2P lending industry is not the quality of borrowers. Looking at industry numbers, about 75% of potential borrowers, are being discarded because the to not live up to the set standards.
Why? Because only 19% of the loans emerging on the platforms are even succesfully funded. There IS not enough investors, even though the loans are perfectly fine - and it is stopping growth, and giving us in crypto a great chance to get good return rates on a very stable and safe asset class.
