All this shows is that they are paying TAX and that amount of tax is increasing. I would assume that tax means profit right? And if the amount of tax paid is going up considerably year on year, that's got to be a good sign.
Regarding supply/demand, according to their own statistics, total lending volume (august) is 46M and investments are 45.9M so theoretically everybody should/could be fully invested. But the chart show more or less the same for april, and what i read here was different. Any improvements?
Auto-Invest never invests more than 500€ in one day (presumably this is to give all investors a fair share). There are often days when more than this is repaid and Auto-Invest makes no investments. So I always have a cash balance available. There is obviously a limit on the amount invested on the platform, beyond which it makes no sense to leave the idle money there. Mintos interest rates are going down with Lendo and ExpressCredit buying back their higher-interest loans, presumably to offer them again at a lower rate, a practice which Mogo started.
Swaper has been handling quite well since COVID. Although borrowers are having difficulties, Swaper manages to get money back in time with “extensions” much faster than some troubled LOs on Mintos and other platforms.
I have now received more money in the bank than total deposited amount.