What our Investors say

Irina P
Valeri
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Up to13%
Available loans2234
Buyback option100%

100% safe investments in P2P loans with high returns

100% safe investments in P2P loans with returns of up to 13%

How do I start earning?

1Choose amount and duration

Amount

Please choose how much you want to invest, from €10 to €2,000
Which currency would you like to invest in?

Months

How long do you want to invest for?

2Choose your desired return

Guaranteed
7.4%The annual gross interest rate. Guaranteed for this product
shield
100% Buy back
percent
Guaranteed income
buyback
Autoinvest
Guaranteed return Return is guaranteed for this product
1037.30 EUR
Profitable
9% - 11%This is the return you could expect, excluding estimated bad debts. The actual return may be higher or lower depending on the loans in the portfolio
shield
100% Buy back
percent
Not guaranteed income
buyback
Autoinvest
Expected return The expected return is calculated by taking investment amount, annual min an max expected return and a period of investment. Interest in this package isn`t guaranteed.
1045.36 - 1055.45 EUR

HOW IT WORKS

  • Register
    Fast and easy registration
  • Add funds
    Transfer money in EUR or PLN
  • SELECT PACKAGE
    Choose one of 2 packages based on risk and return
  • EARN RETURNS
    Start earning up to 13% a year

our benefits

  • RISK DIVERSIFICATION

    Our Autoinvest functionality automatically diversifies your investment to spread your risk

  • EASY RETURNS

    Get your investment back at any time, so you stay in control

  • GUARANTEED RETURNS

    Our "Guaranteed Package" offers a guaranteed return from 7% on your investment

  • RETURNS UP TO 13%

    Market-beating rates of up to 13% a year with our high-return "Profitable Package"

Click here to read more

P2P Investment with Ekassa Is Profitable and Reliable

P2P investments are a way of getting loans and lending money without a bank. As a result, everybody is happy, the lender and the borrower. Despite the forecasts of bank disbelievers, this kind of investment becomes more popular. With us, you will be able to evaluate all advantages of equitable lending.

P2P Investing. The Tenets of Work

The financial crisis, income level falling and decreasing of the consuming ability make banks toughen the terms of lending and raise the rates. Natural services of peer to peer investment become a good alternative. After registration in the Ekassa service, a person has an ability to invest a sum and expect profits according to the chosen campaign. An investor can start gaining profits beginning literally with 10 Euros.

The requests sent by borrowers pass through the scoring process which determines their paying capacity and default risks which are then gathered into one general table. A lender chooses the most suitable P2P credit and invests in it. Then lender can control the process and follow the statistics on the personal account page. When the time of a loan comes to its end, a borrower pays the full sum and the selected interest rate, the lender gets his or her income.

P2P Investment: European Trends for P2P Lending Companies

This is a relatively young service. The banks considered this service as well, but the financial establishments are not likely to develop the service. Use Ekassa to turn your opportunities into reality. Everything is honest and cooperation-oriented here.

The set of instruments is clear and simple, hidden payments are absent and there is a possibility to minimize risks by investing in different requests. All these make Ekassa a unique platform on the market to invest in peer to peer lending. P2P can be comfortable and profitable with Ekassa.

What Is P2P Direct Investment?

P2P investment (peer-to-peer lending or equal lending) is the direct financing of a borrower performed by a lender without any third parties, like banks or financial organizations. The system works owing to p2p companies that help to create agreements between lenders and borrowers, helping them finding each other and signing agreements about the mutual cooperation.

History of Direct Financing – Development in the USA and Europe

Peer to peer lending investing started developing rapidly in 2005. During the period between 2005-2006 in Great Britain and the USA, the founders of the system have invested over $13 billion. In 2016, the market of direct lending grew to $64 billion. P2P appeared much later, but for now, in almost every European country the volume of the direct credit market reaches at least $1 billion.

Now the P2P segment has the fastest rates of development in the financial sector. The average annual income reaches 120% and according to Morgan Stanley forecasts in 2020, it will reach $300 billion. Owing to simplicity and transparency of the P2P lending investment system it is used by millions of people over the world.

Why Is It Still Relevant?

The financial crisis, political changes, geopolitical moves and other factors which exist in Europe for a long time give birth to new financial directions in lending and seeking a reliable alternative investment platform. Banks have lowered their activity on the lending market. At the same time, the requirements became stricter for the borrowers.

The researches of interest rates of deposits in banks of various countries show the dramatic decline of the Euro programs. In many banks, the interest rate has decreased by 110% during the last 3-4 years. P2P investments become a prior way of additional income for the wider layer of the European population. In addition, their importance will only rise.

It will happen, in general, on account of the young population considering peer platforms a profitable, reliable and safe financial instrument. These are the main conclusions of the research, performed by one invest p2p lending service by polling independent investors from 15 different countries.

P2P ‘Comes to People’

In the poll conducted by our company not a long time ago, the representatives of European countries took part. The research proves the fact that the investors in the majority of cases do not belong to the highly specialized ‘professional’ community:

  • The majority of investors (52%) have less than one year of peer 2 peer investment experience, 33% - from one to three years.
  • The age ratios of investors: 40% are young people from 25 to 34 years old, and 31% are aged from 34 to 44 years. 72% are simple office workers, and 6% are still students.
  • At last, the monthly income of a half of them (52%) equals 2-5 thousand Euros, and for 20% - 1-2 thousand Euros. This is not a great sum according to European scales.
  • Only 2% of investors called themselves truly wealthy people and estimated their income as more than 10 thousand Euros.

A few years ago investing in peer to peer lending was indeed an instrument spread among the relatively narrow circle of financially wise and wealthy Europeans – professional investors. Today we can see a ‘change of generations’ and qualitative increase of the audience. Peer lending becomes a widely affordable, popular, and, first of all, among young people, a reliable way to improve the financial situation.

When they get (sometimes from time to time) a particular sum of free funds, they seek for opportunities to multiply it. To say more, the price for an ‘enter ticket’ into the world of alternative financing begins from several hundreds of Euros, and it is affordable almost for everyone.

73% of research participants said that the major source (more than 50%) of their incomes is salary. This fact proves the ‘democratic’ nature of this phenomenon. The other sources of funds to invest in P2P are considered to be added by the majority of participants.

However, the P2P investments can be distinguished by the leading position in the spreading rates of usage the less essential segments of personal ‘wallets’. In this context, they already overcome the securities, bank deposits and other means of passive income (for example, estate rent).

What Else Makes Investors Act?

Despite the main reason to prefer the P2P investment – the high ratios of income, respondents pointed out the additional features that attract them to using this financing instrument. In general, they concern safety and comfort mostly.

The research proves the existence of a high potential for the further development of alternative lending in Europe. This tendency is boosted by the interest in a simple and reliable source of additional income, the absence of essential limits connected with income rates and positive experience of cooperation with P2P platforms.