The EU has allowed cross-border crowdinvesting since years. In practice, however, the market has barely moved. Today you will learn why that is and what has changed so that it can now be common. Since November 2021, a crowdinvesting platform licensed in one EU country has had the legal option to offer its investments to […]
A viral campaign to buy Spirit Airlines collapsed last week, exposing a huge gap between pledges and real committed capital. Beyond that lesson, several product campaigns closed strong, Saudi Arabia licensed new providers under its established crowdfunding framework, and Ireland’s new savings scheme drew backlash for leaving crowdfunding out entirely. Lead Story Campaign to buy […]
The SEC moved on both ends of the Reg CF pipeline last week, filing fraud actions against a platform and an issuer in the same seven days. Underneath that, the UK market kept consolidating even as its regulator tightened further, core Reg CF and Reg A volumes confirmed a summer pullback, and a run of […]
Crypto regulation set the pace last week, with the SEC and Brazil’s CVM both moving to extend the crowdfunding exemption model into tokenized assets. Underneath that headline, three platform failures put concrete numbers on investor downside, while state-backed capital-access programs in Oman, Malaysia, and across Southeast Asia kept expanding on policy momentum rather than platform […]
Last week was split between enforcement and infrastructure. The SEC charged securities crowdfunding platform Netcapital with fraud even as it prepares to vote on a new crypto asset offering regime, and the UK’s FCA opened its own review of gold tokenization. Underneath the regulatory movement, retail engagement stayed strong and diverse — a £30 million […]
Last week’s news operated on two levels at once: infrastructure and platforms. On the infrastructure side, tokenization kept merging with conventional finance rails and regulators started tackling crowdfunding’s oldest complaint — the lack of a secondary market. On the platform side, legacy names consolidated their business models while Southeast Asia’s lending sector grew and got […]
Ask a P2P investor what keeps them on a platform and they will talk about returns. Ask them what almost made them leave and you will hear a different story: the month they needed their money and could not touch it. Liquidity, not yield, is the quiet dealbreaker of this asset class, and it is […]
Regulatory status matters most when it’s specific — who regulates the platform, what exactly falls under that oversight, and which risks it actually covers. That question matters more than most marketing pages suggest — the regulatory architecture behind a platform quietly decides how exposed your money is if something goes wrong. Switzerland has built one […]
High yields in private credit often look straightforward — the underlying structure usually isn’t. From an investor’s perspective, the key questions go beyond returns: How are loans structured? Who stands behind them? What happens if payments are delayed? And how much protection does regulation really provide? Afranga offers one approach to answering these questions through […]
The global crowdfunding landscape has matured significantly in recent years. What once began as an experimental way to raise capital has evolved into an established part of the modern financial ecosystem. Today, crowdfunding platforms play an increasingly important role in connecting investors with entrepreneurs, innovators, and socially driven initiatives. Projects across many sectors now rely […]
Crowdlending continues to evolve. Investors today are less interested in aggressive yield marketing and more focused on structure, transparency, and downside protection. Against this backdrop, Swiss-based Maclear has positioned itself as a curated SME lending platform with centralized underwriting and a layered protection model. We spoke with Alexander Lang, CFO and Co-Founder of Maclear AG, […]
The calendar just turned, and European retail investors have already developed a January mindset shift, abandoning the reactive trading patterns of the prior year to a more strategic, disciplined investment stance. January is typically not a simple continuation of year-end optimism. Instead, it marks a shift toward planning and reassessment. After markets finish December ‘25 […]
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