PeerBerry
Croatia · Consumer · Founded 2017
Our score
Average return
11.0%
platform average
Our verdict
PeerBerry has the cleanest buyback execution record of any unlicensed platform we track — including through the loss of its Ukrainian and Russian portfolios after February 2022, which it repaid in full on a published schedule. That is the strongest single piece of evidence any platform in this sector has produced. What holds the score down is structural, not behavioural: there is no ECSPR licence, no secondary market, and the whole proposition rests on the Aventus and Gofingo groups continuing to be solvent.
What works
- Repaid the war-affected Ukrainian and Russian loan portfolios in full, on schedule, when it could have imposed losses
- Buyback has been honoured within the stated 60 days consistently since launch
- Genuinely simple interface — auto-invest is hard to misconfigure
- €10 minimum makes it realistic to test with a trivial amount first
What doesn't
- No ECSPR licence, so investors have none of the protections a regulated venue provides
- No secondary market: your only exit is waiting for loans to mature
- Group concentration risk — most originators trace back to two related groups
- Returns have drifted down as the platform has grown
Who this is for
Investors who value a demonstrated track record over a regulatory label, and who can leave the money untouched until loans mature.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: peerberry.com · Sep 19, 2026 · €3.54bn total invested; 122,895 investors; 60-day buyback
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.