Launching 2026
The P2P lending industry,
made transparent.
Risk scores, lender health, and platform intelligence — aggregated, analysed, and delivered so you can invest with confidence.
No spam. Apply once, we'll email you when a seat opens.
§1 · Access
Three ways in.
Build products, automate workflows, or check scores yourself — P2P Insight is designed for every use case.
REST API
Developers & platforms
Integrate risk scores, lender health, and platform data directly into your application via a clean JSON API. Pull a single lender or stream the full dataset.
GET /v1/lenders/:id/scoreMCP server
AI & agent users
Connect P2P Insight as a tool in Claude, GPT, or any MCP-compatible AI provider. Ask questions about platforms in natural language and get scored, structured answers backed by real data.
tool: get_lender_scoreWeb app
Investors & researchers
No code required. Browse lender health directly at p2pinsight.com. Compare platforms side by side, track changes over time, and export scorecards.
p2pinsight.com§2 · Methodology
Two layers of risk.
One clear score.
P2P investing has two failure points: the platform you invest through, and the lender behind every loan. We score both, separately.
We collect
Lender financials, platform disclosures, OECD country risk, and ongoing news & sentiment from blogs, YouTube reviewers, and forums — aggregated into one dataset.
We score
Lenders evaluated on five financial & structural pillars. Platforms evaluated on a separate five covering financial health, transparency, sentiment, ops, and regulation.
You decide
A clear 0–100 score for every platform and every lender, with full pillar breakdown. Via API, MCP, or directly on the site. Always the same data, your preferred interface.
Mintos
LV — updated Apr 2026
87.3/ 100
▲ +2.1 vs last quarter
§3 · Scoring
Different risks.
Different pillars.
Lenders fail because of their loan books. Platforms fail because of operations, governance, or trust. We score each on the dimensions that actually matter.
Financial Resilience
Equity ratio, debt ratio, ROE, ROA, audit status
Credit Stress
Loan book quality, default rates, late payments
Buyback Capacity
Buyback guarantee, reserve coverage, skin-in-the-game
Transparency
Reporting cadence, disclosure quality, public accounts
Country Overlay
OECD country risk, regulator quality, macro environment
Financial Health
Profitability, runway, fee structure, capital base
Transparency
Statistics disclosure, lender info, audit cadence
Sentiment
Forum chatter, blog reviews, recent investor experience
Operations
Withdrawal speed, customer support, secondary market liquidity
Regulation
License status, regulator quality, jurisdiction risk