Welcome to the latest P2P lending news. One of the highlights this week is the Robocash performance, as the platform celebrates nine years without a single investor capital loss. At the same time, Mintos has raised €2.8 million from its own community and has already started the ECB bank license application process.

Meanwhile, LANDE published its first 2026 performance report, revealing some impressive numbers. FF Forest announced a new loyalty program for investors, and there are also a few updates on new P2P platforms launching this year.

Please note my disclaimer: I do not provide investment advice and I do not make any individual investment recommendations. This article reflects only my personal opinions and observations and is intended for informational purposes only. Investing in P2P loans and project financing involves risks, including the possibility of a total loss of your invested capital. Past performance is not a reliable indicator of future results. Links to investment platforms may be affiliate or promotional links (usually marked with *), meaning I may receive a commission if you sign up or invest through them. All content and ratings are created independently and are not influenced by any platform provider.

#1 Robocash Performance Marks 9 Years of Consistent Returns

The P2P lending platform Robocash* is celebrating its ninth anniversary, marking nearly a decade of consistent operations in the P2P market. Since launching in 2017, investors have funded more than €1.2 billion in loans, generating around €38 million in interest income. Today, more than 42,000 investors from 29 countries use the platform, with the average account size sitting at roughly €800.

Around 1,000 investors participate in the Robocash loyalty program. One of the most notable aspects of Robocash performance over the past nine years is that no loan has defaulted with a capital loss for investors.

Average returns have gradually declined over time. Current Robocash performance sits below 10% on average, which is significantly lower than the platform’s early years. Compared to many newer P2P platforms, Robocash is therefore no longer competing primarily through high headline yields.

Instead, the platform has positioned itself around consistency and predictable returns rather than aggressive interest rates. For investors looking for a stable and relatively quiet platform without hype, Robocash performance has historically delivered exactly that.

Looking ahead, 2026 should finally bring the long-awaited platform redesign. A new dashboard and a more modern account interface are expected to roll out soon. In addition, Robocash plans to expand its offering of longer-term loans, which typically come with higher interest rates than short-term investments and could further shape Robocash performance in the coming years.

taken from: https://robo.cash/statistics

#2 Mintos applies for a banking license and raises €2.8 million from its community

P2P investment marketplace Mintos* has raised €2.8 million from nearly 6,000 investors directly on its own platform. The capital is intended to support the company’s next strategic step: Mintos has already initiated the process of applying for a banking license with the European Central Bank (ECB). The approval procedure is expected to take 12 to 18 months, subject to regulatory approval.

With a banking license, Mintos would be able to offer deposits protected by the European deposit guarantee scheme up to €100,000 and gain access to deposit-based funding. This would particularly strengthen the Mintos SmartCash product, which currently does not provide deposit protection, unlike comparable solutions offered by platforms such as TradeRepublic or Scalable Capital.

A banking license would also significantly expand Mintos’ strategic options. The company could potentially issue loans directly and offer traditional banking products, transforming Mintos from a regulated investment marketplace into a fully licensed financial institution.

At the same time, Mintos announced the upcoming launch of cryptocurrency investments and individual stock trading on the platform. Crypto assets are expected to be introduced very soon, while the mobile app will continue to be expanded.

While €2.8 million is not a particularly large amount in the context of pursuing a banking license, the funding round demonstrates that Mintos can mobilize capital directly from its own investor community without offering collateral.

#3 LANDE Performance Report 2026 Shows Strong Growth and Ongoing Recoveries

The agricultural lending platform LANDE published its first performance report for 2026, revealing strong activity in January. During the month, the platform financed 226 projects with a total volume of €2.22 million, both unusually high figures for the Latvian agriculture-focused marketplace. At the same time, LANDE reached an important milestone, surpassing €50 million in total funded loans.

The report also provides insights into the status of delayed projects and recovery processes. Currently, 115 projects are between 61 and 90 days overdue, which in most cases effectively means they are considered in default. The majority of these cases — 65 projects — have already been transferred to bailiffs for enforcement procedures. From that point on, the process typically becomes a matter of time until a resolution is reached.

Recovered funds in January came partly from successful auctions of collateral in Latvia, as well as partial repayments from individual borrowers.

Beyond portfolio performance, LANDE is currently focusing on expanding its business in Poland. Interestingly, the platform is trying to attract farmers through social media channels such as TikTok. Interesting to follow if TikTok reaches the target group.

#4 FF Forest launches loyalty program with long-term investment rewards

The forestry investment platform FF Forest*will introduce a new loyalty program starting March 24, designed to reward investors based on portfolio size, investment duration, and ongoing activity on the platform.

Investors will be assigned to one of four levels when making an investment:

• Explorer,
• Grower,
• Steward,
• or Legacy.

The determining factor is the amount of actively invested capital at the time of allocation. This level is then fixed for the specific investment and determines the potential interest bonuses and referral benefits associated with it.

Interest bonuses will only be granted if investors hold the investment for the full originally agreed term. Early exits automatically cancel all loyalty bonuses for that particular investment.

One interesting new element is a time-based loyalty component. Investors who remain active on the platform for several years can receive additional yield bonuses. To qualify, investors must maintain a minimum portfolio of €500 on the platform. If the portfolio falls below this threshold, the time counter resets.

The referral program will also be expanded, with rewards now depending on the active portfolio size of the referred investor. Further details on thresholds and specific bonus levels will be announced when the program officially launches.

Overall, the structure suggests FF Forest is experimenting with a new approach to long-term investor incentives — something that is still relatively uncommon among P2P platforms. It will be interesting to see how the final program is structured once all details are revealed.

#5 Lars’ View on New P2P Platforms Launching in 2026

Several new platforms have entered the P2P lending market in 2026, and P2P Pope Lars recently shared his view on how these newcomers are performing so far. He highlighted that within just the first two months of the year, five new platforms have already launched:

• Digilo,
• Revest,
• Lendiball,
• Triple Dragon Funding*,
• and most recently MyPeak Finance.

According to Lars, this development shows that the P2P market still appears far from saturated. Out of these platforms, Triple Dragon Funding and MyPeak Finance have already made their way into his personal portfolio. The others were, at least for now, less interesting from his perspective.

One of the most notable launches so far is Triple Dragon Funding, which had an exceptionally strong start. According to Lars’ estimates, the platform has already raised around €6 million within roughly five weeks of its launch. At the same time, Triple Dragon Funding continues to list loans on Debitum, although this activity may decrease in the future as the platform grows independently.

Lars points out that the launch of Triple Dragon Funding appears even more successful than the early stages of platforms like Devon or Asterra Estate. A key reason could be the investment theme and geographic diversification of the assets, which seem to resonate well with investors.

Another newcomer, MyPeak Finance, has also started on a promising note. After only around two weeks in his portfolio, Lars already received the first cashback payment, and many of the available loan tranches have been fully funded quickly. However, he emphasizes that it is still too early for a final verdict.

Overall, Lars sees strong potential for both Triple Dragon Funding and MyPeak Finance, especially since they focus on new investment themes outside the Baltic region — something that continues to attract investor interest.