Paysera introduces peer-to-peer lending: investments and loans on a single platform
From the first licence to a multifunctional platform
In 2012, Paysera became the first licensed electronic money institution in Lithuania. Today, the company has over one million identified customers from more than 30 countries and processes over EUR 12 billion worth of transactions each year, steadily expanding its portfolio of integrated financial services.
"The peer-to-peer lending service is a natural step in the growth of our ecosystem towards our Super App vision. Customers can now invest from as little as EUR 10 or quickly obtain financing directly through the same account they use for everyday transactions. This lets them manage their funds without any additional registrations, intermediaries, or hidden fees," says Justina Šidlauskienė, CEO of Paysera.
Investing without new accounts
Unlike other peer-to-peer lending platforms, Paysera does not require customers to register again or re-verify their identity. Funds already held in the account are invested into the chosen loan directly in the app – the entire process takes just a few seconds. This mobility of funds allows customers to quickly decide how much of their capital to put to work, while the flexible system ensures convenient distribution of investments without large initial commitments or bureaucratic obstacles.
Responsible lending and transparent risk management
The Paysera peer-to-peer lending platform operates on the principles of transparency and responsible lending. Each loan applicant is assessed individually in accordance with the Responsible Lending Regulations approved by the Bank of Lithuania and is assigned a corresponding risk rating.
The investor always sees the loan applicant’s risk rating and decides for themselves which loans to invest in – from lower-risk loans (A rating) to higher-risk loans that also offer higher potential returns. Once the full requested loan amount has been raised, the funds are promptly transferred directly to the borrower’s Paysera account. Investment returns work in the same way: the invested amount and interest are automatically returned to the investor’s Paysera account, ensuring quick and convenient movement of funds on a single platform.
Important: investing always involves the risk of losing part or all of the invested funds. P2P investments are not covered by deposit insurance, so decisions should be made responsibly and funds should be spread across several or a dozen different loans.