This year will separate the wheat from the chaff with peer lending platforms

Recently, there's been a lot of grief in the peer lending industry. Kuetzal vanished. Envestio vanished. Looks like Grupeer is following suit. Wisefund cancelled the 'early exit' promise. So did Monethera.

Those who know what these platforms are (or were) can likely see a pattern: they all boast high returns and invest in SMB:s and/or development projects. And they're all located in either Riga or Tallinn.

What other platform has similar characteristics? Crowdestor. However, I agree with explorep2p that Crowdestor still feels like being in a different category, never having promised early exit opportunities or bottomless buyback guarantees.

But at the same time: notice what platforms are completely missing? Consumer loans.