Gathering data

Sneakypeer scoring

Risk management
Projects
Tax Debt
Past performace
Inner Risk Control
Investor protection
Guarantees & Securitization
Company
Licencing
Country risk
Experience
Reputation
Team
Transparency
T&C
Profit
Pricing of Financial
Product & the
Underlying risk
Commissions
Market comparison
Finance
Financial analysis
Anual reports
Funcionality & support
Global coverage
Features
Tools
Communication
Account security
Supply of assets
Board & owners
AML
Conflict of interest
Changes in management
Reputation
Transparency

Sneakypeer Scoring consists of more than 50 criteria that cover all the fundamental information of a platform. The Scoring Model is improved based on real market problems and based on a growing understanding of the industry and comprehension of potential risks related to investing in P2P. The SneakyPeer risk model evaluates P2P platforms over the six categories.

Each of these categories contains criteria that are used to analyze and evaluate the information about the P2P platform and the investment projects it offers. In Addition to qualitative data, various qualitative data is quantified, allowing Sneakypeer to assign a platform with an overall score, where weights are used depending on the importance of data or category.

The unique value of Sneakypeer scoring is its unifying nature and objective approach. Sneakypeer is evaluating each platform with identical scrutiny and justice. The scoring is meant to be an honest tool that helps unknowing investors maneuver the ever-changing and complex peer-to-peer market.

Red Flags

The Sneakypeer Scoring model also hass a Red Flag feature - special indicators that warn the investor about heightened risk factors regarding one or many aspects of the company.

Sneakypeer team has analyzed 100+ platforms, thus having great knowledge on the industry measures in the P2P market, its boundaries and outliers.

Any Red Flag assigned to a platform can be seen on the Platforms page, marked with

Sneakypeer has identified 8 types of Red Flags:
High Debt-to-Equity ratio
Company is heavily funded by debt.
Low liquidity
Company’s liquid assets can not cover its short term liabilities.
Latest annual report not provided
Company has not submitted its annual report to the government authorities.
No active board members
Company is operating without an executive management. Executives are to be held responsible in a crisis event.
Owners with questionable reputation
The Owners of the company are related to previous scams, fined by regulators, conducted questionable business practices.
Address mismatch
The company is operating from an address not mentioned on their web-page or company register.
Bad financial history
Loan Originators or Projects have defaulted and investors have not been reimbursed their funds.
Investment Opportunities Related to Scams
Representatives of a Loan Originator or Project have previosuly been connected to scams in P2P industry.

Verified by Sneakypeer

SP
UK

Testify Marketplace

SIA Testify Marketplace

8.9%

Promised yearly return

8.5

Sneakypeer scoring
Transparency
100%
Rating (70)
4 / 5
Sneakypeer is working to increase the safety, knowledge and experience of investors. We do this by educating not just the users, but also the platforms.
Ever so often platforms are approaching Sneakypeer with inquiries about their performance and how to improve it. We are always glad to help with suggestions and guidance to hel platforms adapt the best practices.
The platforms who have worked with Sneakypeer have successfully implemented new features, providing more information to their users Thus we can make P2P safer and more transparent one platform at a time.
To let investors know the platforms that have taken initiative, worked with Sneakypeer and joined the network, we mark these platforms with Verified by Sneakypeer badge.
To become verified by Sneakypeer:
  • Platform has to be willing to be transparent towards investors and shares Sneakypeer values: make P2P safer, more transparent and more available for new investors.
  • Platform is ready to communicate and provide the Sneakypeer team with the missing information.
  • Sneakypeer provides information and suggestions on how to adapt the best practices and how to improve platform from investors point of view.
  • Platform should agree that Sneakypeer publishes both positive and negative aspects recieved through the communication with Sneakypeer.

Transparency

Sneakypeer scoring consists of more than 50 criteria from both- publicly available and privately provided information by a platform. Transparency rating represents the percentage of necessary information available for Sneakypeer to effectively evaluate a platform.

High transparency rating indicates that the platform has published a significant amount of information about platform owners, company structure and other criteria to both investors and Sneakypeer regardless of their Sneakypeer score.
By this sense, there could be plenty of valuable qualities even in a platform with lower-half average score but high transparency rating (first one being- honesty).

Low transparency rating indicates that a platform has not been willing to share information and has been uncommunicative about their ownership structure, financials, business model and other important factors.

SP
UK

Testify Marketplace

SIA Testify Marketplace

8.9%

Promised yearly return

8.5

Sneakypeer scoring
Transparency
100%
Rating (70)
4 / 5

Users' rating

SP
UK

Testify Marketplace

SIA Testify Marketplace

8.9%

Promised yearly return

8.5

Sneakypeer scoring
Transparency
100%
Rating (70)
4 / 5

Users at Sneakypeer have the chance to let others and Sneakypeer know their opinion on the various platforms participating in the peer-to-peer market.

Using the Users' rating, You can express Your favor against a certain platform, by giving it a star. Rate the platform You like with up to 5 stars, or let others know Your disproval by giving fewer stars.

User voting is purely community-driven and expresses the users' sentiment.

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