🌟 ECB raised its key rates for the first time since 2023: what it means for P2P investors

Maclear’s CEO recently broke down the news and compared ECB rates with how P2P lending returns are calculated.

The result is a clear explanation of the difference between earning on bank deposits and earning on P2P loans, using four core concepts:

• Credit risk
• Liquidity risk
• Deposit guarantees
• Illiquidity premium

🌟 Consider this post a reminder that returns don’t come from nowhere. The higher the returns, the higher the risks behind them.

See the numbers behind comparison