Debitum vs Income
Head-to-head comparison of Debitum (62/100) and Income (52/100): yields, default rates, guarantees, secondary market, regulation and minimum investment.
Side-by-side comparison
| Criterion | Debitum | Income |
|---|---|---|
| Crowdscope score | 62/100 | 52/100 |
| Country | Latvia | Estonia |
| Founded | 2018 | 2020 |
| Loan types | P2P marketplace, Business lending | P2P marketplace |
| Indicative yield | 11.5% | 12.5% |
| Default rate | 0% | 1.8% |
| Regulatory status | IBF Lettonie | Non régulé ECSP |
| Minimum investment | 10 € | 10 € |
| Cumulative funded volume | 195,000,000 € | 227,000,000 € |
| Registered investors | 32,500 | 10,000 |
| Secondary market | No | No |
| Auto-invest | Yes | Yes |
| Guarantees | Buyback, Caution | Buyback, Cashflow Buffer |
Crowdscope verdict
Debitum takes the higher Crowdscope score (62/100) in this head-to-head, driven by its mix of track record, regulation, guarantees and liquidity. Scores measure structural robustness, not expected return — capital is at risk on both platforms and diversifying across several operators remains the primary risk-control tool.
Debitum vs Income — frequently asked questions
Debitum or Income: which one should you choose?
On the Crowdscope framework, Debitum scores higher (62/100 versus 52/100). Debitum advertises around 11.5% with a 0% default rate under the IBF Lettonie regime, while Income advertises around 12.5% with a 1.8% default rate under the Non régulé ECSP regime. The right choice depends on whether you prioritise yield, liquidity or regulatory protection.
Which of Debitum and Income offers the higher yield?
Income advertises the higher indicative yield (12.5% versus 11.5%). A higher advertised yield usually reflects higher credit or liquidity risk, not a better product.
Which platform is more liquid, Debitum or Income?
Neither platform operates a secondary market: investments must be held to maturity on both.
Can you invest on both Debitum and Income?
Yes. Diversifying across several platforms is a common way to limit platform-failure risk, since it spreads exposure across different originators, jurisdictions and regulatory regimes. Capital remains at risk on both.
Last updated: · Reviewed by the Crowdscope editorial team