- Hi Jakub! We’re glad to feature you in our interview series and to hear your perspective on the P2P market and what investors should pay attention to these days.
- Hi everyone, and thanks for having me! I'm happy to be part of this interview series and to share some of my thoughts on how the P2P lending market has evolved over the years. I hope our conversation helps both new and experienced investors better understand the opportunities and the risks that come with investing in this space.
- Thank you, Jakub. Let’s start with the bigger picture: How has your approach to P2P investing changed over the years?
- The range of criteria I monitor has expanded significantly. Nine years ago, I focused mostly on yield and features. Today, I look at track record, the sustainability of the underlying business, and transparency. It's a very different framework from the one I started with.
- That sounds like a pretty natural evolution. Do you think the current P2P market is more attractive for income seekers or for more tactical investors?
- In the long run, it can be very attractive for tactical investors. The market today is built around income seekers, with the "simple, one-click" products aimed squarely at them. But that audience may end up paying the price, because some of the risks bundled into those products will eventually materialise.
- How do you personally define "good risk management" in P2P?
- It's the ability of a lender or platform to maintain safeguards that enable it to honour its obligations to investors, even in the most adverse scenarios, backed by transparent legal documentation and financials.
- Your blog is growing quite actively. What kind of content resonates most with your audience right now?
- When I launched P2P Empire in 2020, the aim was simple: give investors an honest evaluation of platforms and of what's actually happening in the industry. That no-bullshit approach is what still resonates most with our audience today.
- Makes sense - people usually appreciate things that feel direct and useful, especially in a market like this. Have you noticed any shift in what investors are asking for lately, more yield, more safety, more simplicity, or something else?
- The simplest products tend to be the most popular, but in my view many have been simplified to the point of becoming black boxes: convenient on the surface, opaque underneath. The clearest shift in 2026 is that most investors now expect some form of early-exit option, and platforms are increasingly building their products around that expectation.
- That demand for more convenience is also pushing platforms to experiment with new tools. Are there any new product formats in P2P that you find especially interesting at the moment?
- Yes, and it's something we're actively working on. More on that soon.
- What do you think separates a platform that is genuinely sustainable from one that just looks good on the surface?
- Continuous communication, the good news and the bad. No sugarcoating of risks. Transparent reporting, with no hiding behind shell companies or opaque structures. No dependence on refinancing to stay afloat. And a clear explanation of how investor funds are used and how that funding actually supports the business. Platforms that only look good on the surface tend to lead with a landing page that says "here's your 10% yield, just trust us," without much substance behind it.
- How do you see Robocash today in the wider P2P landscape?
- Robocash has real room to improve its transparency with investors, particularly around the group guarantee agreement, where the legal document still isn't available, as well as the use of funds and the performance of the lending operations that investors are ultimately funding and earning interest from. Its strength is a consistent, solid track record across various market cycles, achieved without the excessive hype many other platforms rely on to drive funding volumes. For investors who understand and accept the risks tied to how Robocash's loans are funded, it can be a reasonable option.
- Thanks for the fair feedback, Jakub. Just to mention, investor protection within Robocash is based on a combination of a legally structured group of companies, consolidated audited financials which are publicly available and a documented repurchase (Buyback) guarantee. Nine years of zero overdue payments across different market cycles is a strong proof that this approach works. Saying that, we fully share your view that transparency should continuously evolve and will keep working to improve it.
And now, looking forward, we’d love to hear about P2P Empire’s next chapter.
What are your plans for the blog in the near future? Any new directions or formats you're especially excited to launch?
- Right now we're working on a major update to our lender ratings page. We're also automating our country risk assessment and refining our platform risk-score model, alongside broader website improvements that will help investors get to the information that matters faster.
- What would you say to someone who's just getting started with P2P investing?
Don't buy into the hype around newly launched or opaque platforms. Don't overexpose yourself to platforms you don't really know, and never borrow money to invest in P2P loans. Start small, follow the news, understand the risks, and don't simply chase the highest yields.
- Jakub, thank you again for sharing your insights with us. It’s been a pleasure!
If you’d like to stay better prepared before investing in P2P, you can follow Jakub’s work on his blog: https://p2pempire.com/en
