Who runs P2PPlatforms.com
P2PPlatforms.com is built and maintained by Uffe Stjernholm, a P2P investor since April 2018 and the owner and director of CPA Digital ApS, the Danish company that publishes the site. CPA Digital ApS is registered in Aarhus under CVR 40914706. The imprint names him as the person responsible for the site’s content and gives the company’s full details. His author page lists his reviews and links his LinkedIn profile.
Why I run P2PPlatforms.com
I run P2PPlatforms.com to find the P2P platforms that pay best for the risk you take. I launched the site in January 2020, almost two years after my first P2P investment. Within months, Covid put the whole industry to the test, and four loan originators behind my own loans on Mintos failed. In the years that followed, my ratings didn’t hold up well enough. The method behind them underestimated the risks that mattered most.
In 2026 I rebuilt the rating method from the ground up. It’s based on what has actually gone wrong in European P2P lending — collapsed platforms, failed loan originators, frozen withdrawals — and checks every platform for the warning signs that came before.
How I rate platforms
I rate every platform on the same four dimensions, and Safety carries 50% of the rating.
- Risk comes first. Ratings start with how a platform and its loan originators hold up when things go wrong, not with the interest rate.
- One method for all. Every platform is rated on the same criteria, so you can compare them directly.
- Dated reviews. Every review shows the date it was last updated.
- My own money. I don’t put money on a platform rated Not recommended, and I leave one that is downgraded to it as quickly as I can.
- My name on it. I use AI in research and in running the site. Every rating is my decision, and every page is published under my name.
The methodology sets out the formula, the weights and the labels.
Own money and accounts
I hold an account on all 21 platforms P2PPlatforms.com reviews, and my own money is on 8 of them. The reviews of Mintos, Go & Grow, VIAINVEST, Income Marketplace, Nectaro, PeerBerry, Monefit and Lendermarket show the amount I put in on each.
Seven of those accounts were opened in January 2026 and funded with about €1,000 each, so their returns, fees and idle cash are measured on the same stake. An account of that size shows what a platform pays, charges and holds back. It can’t show how a platform handles a large exit or many investors leaving at once.
2 of the 8 platforms holding my money are rated High risk. P2P lending made up 5–10% of the money I had invested in November 2026.
Commissions and conflicts of interest
P2PPlatforms.com earns a commission when a reader opens an account through one of its platform links. Depending on the platform, the commission is a fixed amount per new investor, a share of what that investor invests during a set period, or both. The commission goes to CPA Digital ApS and costs the reader nothing. P2PPlatforms.com is in the affiliate programme of all 21 platforms it reviews, and it rates 12 of them High risk or Not recommended. The 6 it rates Not recommended keep their links, with the verdict beside each one. Commissions aren’t part of the rating formula.
How to check these claims
A reader can check the claims on this page against the records below.
- The author’s LinkedIn profile
- CPA Digital ApS, CVR 40914706, in Erhvervsstyrelsen’s CVR registry
- VAT number DK40914706 in EU VIES
- Each review’s account timeline and its “How this review was made” box
- The affiliate disclosure on every page with affiliate links
If a claim on this site can’t be verified or looks wrong, the contact page says how to report it.