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…The combination of strong returns, solid guarantees, and a clear short-term orientation means we can offer investors a well-rounded, secure, and profitable experience…
When they ask me what I look for in a P2P investment platform I always answer the same thing: I look for “the golden trio”, that is, the 3 characteristics that – ideally – every investor in P2P loans wants to find in a platform: performance, security and liquidity…
…And the truth is that taking a look at the wide array of options we have to invest in P2P loans, it is not common to find platforms that combine 2 of those characteristics at the same time… and it is even more unusual to find a platform that perhaps combines all 3 at the same time…
That is why today we want to bring Roman Katerynchyk, CEO and founder of Lonvest, to the blog, so that he can tell us how close we are to that ideal of the “golden trio” with Lonvest and tell us more about the brand new Mexican Originator that begins its journey on the platform, Clicredito.
Welcome (back) to TodoCrowdlending, Roman! 😊
1 – Well, first of all, for all our readers who for whatever reason have not yet heard of Lonvest… Can you briefly summarize what Lonvest is and what, in your opinion, are the differential values that make it a unique investment proposal?
RKAbsolutely! Lonvest is a P2P lending platform designed to help individuals achieve passive income by investing in loans. What sets us apart? First, our partnership with SpaceCrew Finance, which has been in the market for over 8 years across Southeast Asia, Latin America, and Europe, serving more than 2 million customers. Then, there’s our buyback guarantee that ensures flexibility and peace of mind if you need to withdraw your investment. Plus, we operate under a group guarantee, meaning all our loan originators are controlled by SpaceCrew Finance, ensuring transparency and accountability. We also leverage cutting-edge AI for risk management, and we work only with loan originators that have a proven track record. And the best part? You can start earning passive income with annual returns ranging from 11% to 14% — it’s really that easy.
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2 – At the beginning of the interview I mentioned the ideal of “the golden trio”, do you think that Lonvest can embody this ideal with its interesting profitability, its buyback guarantee + group guarantee and its clear short-term orientation?
RKWithout a doubt. We’ve built Lonvest around this very concept. The combination of strong returns, solid guarantees, and a clear short-term orientation means we can offer investors a well-rounded, secure, and profitable experience.
We believe that strong relationships with investors are a key ingredient for a successful P2P platform. That’s why we regularly release interviews, stay actively engaged with our investors through chats, and have recently introduced a new format — a quarterly progress report.
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3 – Perfect, next we are going to talk about the new launch of the platform, Clicredito… the first thing that catches our attention is that it is a Mexican Originator… why Mexico? What is special about this country?
RKMexico was a strategic choice. We saw immense potential for digital lending here based on several factors. Mexico has a population of over 129 million, with a growing economy and an average income of around $700 a month, making it a scalable and profitable market. Its economic resilience and strong currency performance also make it a healthy environment for our operations. Another important aspect was Mexico’s regulatory landscape — it offers flexibility for online lending and even provides tax incentives, which makes scaling much easier.
Moreover, Mexico’s advanced credit bureaus and mobile scoring systems allow us to develop more accurate risk models, which is crucial for managing risk and ensuring profitability.
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4 – OK, with this clarified, within the vibrant Mexican lending landscape, what specifically do Clicredito opportunities provide to us, Lonvest users/investors?, is it a worthwhile investment opportunity?
RKDefinitely. Clicredito, being part of the SpaceCrew Finance group, brings a strong foundation. For October, we’re offering an annual interest rate of 13.5% on loans from this new originator, which is a limited-time opportunity.
We also recently held a Q&A session with Vadim, our LATAM country manager, and you can check that out on our YouTube channel for more insights into Clicredito and its potential.
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5 – Let’s now talk about an issue that is of particular interest to our audience: the Lonvest guarantees (buyback Guarantee + group Guarantee), how would these mechanisms work if their activation were necessary?
RKEvery loan on Lonvest is covered by our buyback guarantee. If a borrower is late for more than 60 days, the loan originator must buy back the loan, covering both the loan amount and any accrued interest. We also constantly assess the financial health and loan portfolios of our originators to ensure they can meet their obligations. In the unlikely event that a loan originator faces financial difficulties, our group guarantee steps in. SpaceCrew Finance has agreements in place to ensure that if one originator becomes insolvent, other companies within the group will take over the liabilities, providing an extra layer of security for our investors.
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6 – In the end everything depends on the strength and solvency of the group behind Lonvest, SpaceCrew Finance… What can you tell us about it, Roman? How / why was it created?, what volume and kind of businesses does it handle? and what companies are part of it?
RKSure! SpaceCrew Finance was born in 2015 when two entrepreneurs—one with a tech and online marketing background, the other in finance—teamed up to create MyCredit, a successful lending company in Ukraine. In 2019, MyCredit attracted investment from one of Ukraine’s largest banks, TAS. Fast forward to today, and MyCredit is the leading online lender in Ukraine. In 2019, we expanded internationally, setting up operations in Vietnam, Sri Lanka, and Poland, with a headquarters in Singapore. Our group now employs over 500 people across five countries, and we handle everything from IT to risk management in-house. This structure allows us to scale efficiently while maintaining a high level of control.
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7 – Are there any more Originators in the pipeline to launch on Lonvest after Clicredito?
RKYes, we plan to launch originators from three new countries every year. Subscribe to our social media (LinkedIn, YouTube, X, Facebook)) and join our TG chat with investors.
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8 – What is the future of Lonvest? What news can we expect in terms of functionality, product, development, etc. both in the last part of this year and in 2025?
RKWe’re excited to roll out our loyalty program in November, which will reward our investors and enhance their experience with Lonvest.
As for 2025, we’re looking to expand our loan originator network even further. SpaceCrew Finance has new projects in the works that will offer more diversification and opportunities for investors. Stay tuned — there’s plenty to look forward to!
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9 – In general, do you consider this moment with the current macroeconomic context a good time to invest in P2P loans?
RKAbsolutely! P2P lending continues to be a strong option for diversifying investments and generating passive income, especially in 2024. With the added security that comes from advances in technology and regulatory frameworks, P2P lending platforms are safer and more transparent than ever before. It’s a smart way to balance out a portfolio in today’s market.
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10 – The stage is yours, Roman!, any last thoughts or messages you want to share with the todocrowdlending.com community?
RKI’d just like to say that we’re truly excited about the future of Lonvest. We’ve built a platform that prioritizes transparency, security, and profitability for our investors, and we’re constantly innovating to make the experience even better. Thank you to everyone for your support!
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Thank you very much for your time, Roman!
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