🌟 Why US and European P2P lending cannot be compared?

To make a long story short, we've chosen two different paths.

In 2008, the US SEC applied a law written for stocks and bonds to a product it was never designed for. Retail investors lost access to the asset class and never got it back.

Europe chose differently. Retail P2P lending was the original goal, and everything else was built accordingly.

🌟 We broke down the full regulatory history, the institutional takeover, and what the European framework looks like in practice.

🌟 Read the full piece on Medium