Swaper vs LANDE
Head-to-head comparison of Swaper (82/100) and LANDE (65/100): yields, default rates, guarantees, secondary market, regulation and minimum investment.
Side-by-side comparison
| Criterion | Swaper | LANDE |
|---|---|---|
| Crowdscope score | 82/100 | 65/100 |
| Country | Estonia | Latvia |
| Founded | 2016 | 2019 |
| Loan types | P2P marketplace | Agricultural lending |
| Indicative yield | 13.8% | 13% |
| Default rate | 0% | 0% |
| Regulatory status | Non régulé ECSP | ECSP |
| Minimum investment | 10 € | 50 € |
| Cumulative funded volume | 1,065,000,000 € | 57,000,000 € |
| Registered investors | 10,600 | 10,200 |
| Secondary market | Yes | Yes |
| Auto-invest | Yes | Yes |
| Guarantees | Buyback | Nantissement, Hypothèque |
Crowdscope verdict
Swaper takes the higher Crowdscope score (82/100) 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.
Swaper vs LANDE — frequently asked questions
Swaper or LANDE: which one should you choose?
On the Crowdscope framework, Swaper scores higher (82/100 versus 65/100). Swaper advertises around 13.8% with a 0% default rate under the Non régulé ECSP regime, while LANDE advertises around 13% with a 0% default rate under the ECSP regime. The right choice depends on whether you prioritise yield, liquidity or regulatory protection.
Which of Swaper and LANDE offers the higher yield?
Swaper advertises the higher indicative yield (13.8% versus 13%). A higher advertised yield usually reflects higher credit or liquidity risk, not a better product.
Which platform is more liquid, Swaper or LANDE?
Both platforms operate a secondary market, so positions can be listed for sale before maturity — subject to buyer demand.
Can you invest on both Swaper and LANDE?
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