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Swaper

P2P lending platform offering up to 14% interest with buyback guarantee, loyalty bonus, and EUR/GBP accounts

LoansAvailable in English
3.0/ 5
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Founded:2016
HQ:Estonia
Regulator:Finantsinspektsioon

Rating breakdown

Overall
3.0
Fees
4.0
Platform
3.5
Safety
2.5
Product range
2.5

Pros

  • Up to 14% annual returns with fixed interest rates
  • Buyback guarantee on loans overdue 60+ days
  • Loyalty bonus of +2% for deposits over €25,000

Cons

  • P2P lending carries higher risk than regulated investments
  • Less transparent than stock market investments
  • Relatively small platform compared to major P2P players

Platform & features

Available on

Web platform
Mobile app
Desktop app
API access

Key features

Fractional shares
Savings plan
Demo account
Copy trading

Availability

Languages

EnglishEstonian

Available in 4 countries

🇪🇪Estonia🇩🇪Germany🇪🇸Spain🇵🇱Poland

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Investing involves risk. You could lose some or all of your money. Capmap provides educational information only, not financial advice. Always do your own research before investing.

Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer