Key Topics Covered:

Market Overview – Income’s AUM remains steady at €22.4M, largely due to Danarupiah’s portfolio reduction following new APR caps in Indonesia. Kimmo explains the reasons behind the temporary stagnation and why the team remains confident in future growth.

Lender Updates –

• ITF Group leads with €6.6M under management, showing strong institutional demand.
• Ibancar continues stable cooperation at €3.5M.
• Virtus Lending expands to €3M while exploring new markets.
• Simpleros (Spain) and Autofino (Lithuania) join as new lenders with gradual growth plans.
• Sandfield strengthens its position in litigation finance, now at €3M with timely repayments.

Market Dynamics & Returns – With institutional liquidity increasing, P2P yields are tightening. Kimmo reflects on how Income maintains credit quality and competitiveness even as market rates shift.

Crowdfunding & Development Priorities – The recent crowdfunding round raised €180K, which will support the secondary market launch, platform speed improvements, and security enhancements.

Looking Ahead – Income plans to onboard 1–2 more lenders by year-end and explore offering its ledger technology to institutional partners — marking the next step in platform evolution.

Tune in for more engaging discussions in future episodes of Income Insights!

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