In a similar fashion as the previous Creditstar Bonds, I found no way to buy them as an individual.
Could I buy them, would I have? Not.
I don't see anymore Creditstar/Lendermarket as a good risk/reward ratio, both because the yield is not that good, and because the risk is material. See the last Mors review
about that. I'm not that pessimistic, but I prefer to stay away.
I bet a few hundreds in the current 2% cashback campaign of Lendermarket, which is a decent substitute for the bonds, but that's just play money, and to be in the game.
My current non-bank portfolio is:4Finance Bonds
. The last ones I haven't sold. I don't even have a sell order, i just wait for them to mature in Q2 2022.
As a reminder, I sold Mogo due to fear of bankruptcy, and happened to be wrong since they got better, but I bought those Bonds for so cheap in the Covid days that I still made a good profit out of them.
I also sold all IuteCredit, this time to buy them back for less and cash-in the difference. It failed, I couldn't buy them back, but again, i exited with a good bonus.Afranga/Stikcredit
I see them like a Lendermaket with higher rates and better quality, presented in a Mintos-clone web app. Since no more good EUR bonds are below par, this is my new favorite P2P investment, and favorite EUR overall.Nexo
Nothing to declare, sir. Stable fixed 8% 3-month EUR term deposit. Mine matured, I rolled them over for 3 more months. They recently allowed USD (real ones) deposit, but it works the exact same way as stablecoins, same term and yield, just more complex to deposit and to withdraw through banks. Hence I advise not to use this feature, or go with stablecoins. And for stablecoins, you may find better yield. For EUR (real ones), they remain a solid option, I found no competitor to be even close.Stablecoins
Sure, I previously stated I never take any position on cryptos. I don't, at least I don't consider an USD stablecoin as a crypto position
if that stablecoin is a good one (hard-backed like USDC, or overcollateralized like DAI). Forget the algorithmic
ones like IRON or BDO. They are failures waiting to happen (or which already happened, BDO is now worth $0.08 and I predict a future price of zero).
Yield got stabilized around 25-30% on all serious blockchains (Ethereum, BSC, Polygon, Heco...). Systemic risk is super, super high. For example Belt got aggressively arbitraged* for a whooping 60M USD, one the the biggest siphon ever, and I lost 1% of my total portfolio in the incident. But with 30% yield, I already recovered the loss from the interests. Compared to the Kuezal-grade investment P2P offers for 30% yield
**, I still see it as a good playground.
Again, I'm talking about USD stablecoin
only. Rates can go up to zillions% on shitcoins, and those shitcoins can themselves rise by zillions% in one minute and make you rich, but that's off-topic. About EUR stablecoins, there're only two of them (EURS and SEUR), and they are too obscure for me.
* I don't call it hack
because it was all about arbitrage and pricing logic, no insider or password leak involved. Hence why the loss is 60M only
from a 1B portfolio. Nicehash (63M loss) or Meerkat (37M loss) where hack/insiders, for comparison, and the loss where 100% of their portfolio.
** Credits to ExploreP2P
for having dug this one out.