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Peer-to-Peer (P2P) Lending Explained Peer-to-Peer (P2P) lending is a modern financial practice that enables individuals to lend money directly to other individuals or small businesses through online platforms, bypassing traditional financial institutions like banks. This concept harnesses the power of technology to create a lending ecosystem where borrowers can access funds more quickly and with potentially lower interest rates, while lenders can earn interest and generate passive income. In a P2P lending arrangement, the process typically involves these steps: Platform Registration: Lenders and

The driving force behind the Livonia platform is its CEO and founder, Didzis Pogulis. Holding 100% ownership of Livonia, Didzis is a 32-year-old individual with a robust and diverse background spanning real estate, renewable energy. 

European central bank raises interest rates. 15 june of 2023. On June 15, 2023, the Governing Council made significant monetary policy decisions based on the current economic conditions. Despite a decrease in inflation, it’s anticipated that inflation will remain higher than desired for an extended period. In order to bring inflation back to the targeted 2% level, the Governing Council has chosen to increase the three key ECB interest rates by 25 basis points.   This rate adjustment reflects the council’s revised evaluation of

Neglecting due diligence when lending your funds to a platform or lender can ultimately lead to the erosion of your investments, sooner or later. In recent years, several deceitful platforms have exploited P2P investors, siphoning over €40 million by enticing them with high-yield loans. Implementing thorough due diligence, particularly concerning the management of these companies, holds the potential to substantially reduce the probability of falling prey to such scams. It’s crucial to recognize that while it’s impossible to entirely eradicate