ECSP licensed crowdfunding platforms

“I Need My Money Now”: Stress-Testing P2P’s Biggest Weakness

By Afranga

August 3, 2026

“I Need My Money Now”: Stress-Testing P2P’s Biggest Weakness

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 […]

P2P lending

5 min read

Switzerland’s Crowdfunding Rules, Explained: What “SRO Regulation” Actually Means for Your Money

By Konstantin Boyko

July 27, 2026

Switzerland’s Crowdfunding Rules, Explained: What “SRO Regulation” Actually Means for Your Money

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 […]

P2P lending

7 min read

Inside Private Credit: How Afranga Structures Returns and Risks

By Konstantin Boyko

May 7, 2026

Inside Private Credit: How Afranga Structures Returns and Risks

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 […]

P2P lending

6 min read

Crowdfunding in 2025: A Year of Growth, Discipline, and Change

By Konstantin Boyko

March 18, 2026

Crowdfunding in 2025: A Year of Growth, Discipline, and Change

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 […]

Fundraising

3 min read

Structured crowdlending: How Maclear approaches SME lending, risk, and investor protection

By Konstantin Boyko

March 2, 2026

Structured crowdlending: How Maclear approaches SME lending, risk, and investor protection

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, […]

P2P lending

5 min read

How European Investors Start the Year: Less Risk, More Discipline

By Maclear

January 19, 2026

How European Investors Start the Year: Less Risk, More Discipline

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 […]

P2P lending

3 min read