Debitum Review: My P2P Investing Returns with Peer-to-Peer Lending Debitum

Debitum Review My P2P Investing Returns with Peer-to-Peer Lending Debitum
My Review on Debitum P2P Platform
  • Invested in Debitum - €1 000
  • Self-reported returns - 8,08%
  • Passive earnings per month - €7
  • Investing time on Debitum - 6 months
4.8

My Debitum Overview:

So far, my experience of using the Debitum.network is good. If we compare with the other platforms, I will say that the Debitum.network is balanced with its advantages and disadvantage. 

The rewards you get from using the platform outweighs the negatives. However, if you still want to see the negatives of this platform, we will say it is not a user-friendly one. 

Although there is one positive that cannot be denied is the security of the platform. As you know, a secure platform to invest money is what you actually look for at first. 

Hence, Debitum.network takes the cake comparing to others. I have invested in this platform for a while and I am happy with the service I get. 

In my opinion, it is a reliable P2P platform. So, you can start investing here if you want to make short-term investments. Depending on a young, innovative platform for investment, it might not be such a bad idea in the end. 

*to receive a €10 bonus, you need to sign-up and add only €250. That’s it. You’re in!

Update after COVID-19 2020 crisis: Read why I included Debitum Network in my list of the Best Peer to Peer Lending Platforms to Survive the COVID-19. Also, check out our p2p cashback offers available for new investors.

Introduction to P2P Lending Platform Debitum.network

Before proceeding with my Debitum.network review, let’s explain to the beginners what Peer-to-Peer lending is.

What is Peer-to-Peer Investing?

Peer-to-peer lending, for short P2P lending, is a type of loan service, where a P2P business lends money to companies and individuals online and matches lenders with borrowers. The P2P services are often offered online as it is cheaper than the traditional financial institutions.

The result is that lenders earn higher returns compared to deposits and savings accounts, provided by banks. And at the same time, borrowers can borrow money at lower interest rates. 

Thanks to the development of the FinTech industry in the last 10 years, we are now able to earn interest rates on our cash higher than even. And we don’t even have to go to the local office to do so.

For the past 30 months, I have been actively investing in 18 platforms for P2P and Crowdlending platforms, and in this article, I will make a review on one of the most famous European Peer-to-Peer lending platform – Debitum.network. If you haven’t read my previous review on the Swaper lending platform, go check it out.

Let’s do this FIRE-starters!

What is Debitum.network?

Have you heard about the Debitum.network? It only started its service recently in the year 2018. Hence, not many people know about Debitum.network. 

However, we are willing to share information about it in detail. So, you understand more about it. We will share what it is and how it works, how safe is the platform so that there is no confusion left. 

What is Debitum Network

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Debitum is a P2B platform that helps small business organizations financially. There are many types of asset-backed business loans on the platform. As you can see, the platform is a bit different from others, mainly because it focuses on decentralization. Many loans are made independently by the Debitum.network. 

The Debitum.network started in the year 2018. From that time until today, it is a growing platform.  It has a small number of investors who contribute to the platform in comparison with others. Currently, it is working with over 3000 investors. 

What Rate of Return Can You Expect?

The rate of return from investment depends on how much money you are willing to invest. At the moment, an average return of 8.35% is available on the. 

As this is the average rate of return, you can expect to get a fair return when you invest. We can tell you that you can easily get this amount by investing. 

There are two ways to invest, first is to choose a random number, the other is to use the auto-invest function. Both ways can give you a return of the above rate. If you compare this to other similar platforms, the return is a bit lower than them. 

Who Can Invest via the Debitum.network?

Anyone who is above the age of 18 can invest in the platform. However, he must fulfill a number of requirements. 

First, the person must not be indebted to anyone. Second, he must have the legal right to handle money. 

Additionally, you have to go through the KYC process to activate your account. There must be two-step verification on the entire process. Only after that, you will be able to use the account. 

The steps to becoming an investor in Debitum.network is given below:

  • Open an account;
  • Pass the KYC process;
  • Provide two-step verification for your account;
  • Add money to your account;
  • Now you can begin investing.

If you are confused about the Debitum.network, contact them before creating an account. 

APPLY CODE & GET €10 BONUS

*to receive a €10 bonus, you need to sign-up and add only €250. That’s it. You’re in!

Is the Debitum.network Safe to Use?

One of the main reason people searches information about a company is to find out if it is safe. Let’s see what they have to offer to find out about safety on the platform.

Use of Independent Firms

As we mentioned before, the Debitum.network focuses on being decentralized. Hence each firm is working independently, calculating risk factors, debt collections, insurance, etc. 

Therefore the credit score is more reliable. 

Platform Safety

There are strict rules for using the platform. All these rules are made to keep you safe. One example, of safety, is that you will find yourself logged out if you are not active on the platform. 

As you know, they secure your account with two steps verification. Hence, if any information is incorrect, the funds cannot be withdrawn from the account. 

How to Invest in the Debitum.network?

Debitum.network is similar to peer-to-peer lending platforms. To invest on the platform, you need to deposit funds to your account. 

If money is available on your account, you can find projects to invest in. You can go to credit score fillers to find projects for investment. 

By doing so, you will be able to find projects of your preferred level. In any case, if you think finding a project is too time-consuming, you can use the auto feature on the platform. 

When you use the auto-investing feature, the platform will automatically invest in a suitable project for you. So, you don’t have to take the trouble of finding one. 

Types of Investment Available at Debitum.network

The Debitum.network only provides short-term loans or SME loans. In a way, short-term loans avoid risks, and you can the money will return to you faster. 

Set up a Debitum.network Auto-Invest Strategy

One of the main benefits of using Debitum.network services are that it has an auto-invest feature. The feature saves you from a lot of trouble and saves a lot of time. 

Debitum Network Auto-Invest Function

By using this feature, your investment making experience can be continuous and comforting. To activate the auto-invest feature, go to the navigation and click on auto-invest. 

After this, you will see a box that needs to be filled up with information. From the information you put on the box, an investment plan will be created for you. 

Now investments will be made from your account automatically according to the plan. So, you just have to wait and see the cash flowing into your account. 

Debitum.network Advantages:

  • Any investor from the world can invest in this platform;
  • Investments can be made in both ways crypto or flat;
  • A large number of projects offer a buyback guarantee.

Debitum.network Disadvantages:

  • You are only allowed to make short term investments.

Which Are the Best Alternatives to Debitum

Some of the best-known alternative peer-to-peer platforms to Debitum are Klearlending, Peerberry, Dofinance, Lenndy, Mintos.

Conclusion of My Debitum.network Review

So far, my experience of using the Debitum.network is good. If we compare with the other platforms, I will say that the Debitum.network is balanced with its advantages and disadvantage. 

The rewards you get from using the platform outweighs the negatives. However, if you still want to see the negatives of this platform, we will say it is not a user-friendly one. 

Although there is one positive that cannot be denied is the security of the platform. As you know, a secure platform to invest money is what you actually look for at first. 

Hence, Debitum.network takes the cake comparing to others. I have invested in this platform for a while and I am happy with the service I get. 

In my opinion, it is a reliable P2P platform. So, you can start investing here if you want to make short-term investments. Depending on a young, innovative platform for investment, it might not be such a bad idea in the end. 

APPLY CODE & GET €10 BONUS

*to receive a €10 bonus, you need to sign-up and add only €250. That’s it. You’re in!


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