Looking to become a better and more educated P2P investor? You have come to the right place
Introduction to Welfio - Setting Yourself up for Success in P2P Lending
Hi, hi, hi! We are incredibly excited to see you on our very first blog post! This either means that you have registered on Welfio or are just looking around and exploring it. Regardless, since you have found yourself here, we firmly believe that you are on the right track to setting yourself up for success in peer-to-peer [P2P] lending aka loan investing.
Setting up Welfio
Hello there! Let us start this blog post by congratulating you! For what you wonder? Well, if you are reading this blog post, it means you are one step closer to starting your data-driven P2P lending journey with Welfio! Before you proceed, make sure to have read our 1st blog post - Introduction to Welfio - as it covers the very basics of why you should use Welfio and what you can expect from us! In this blog post, we will guide you through the main steps of setting up your account, so that you are ready to start your journey toward becoming an informed P2P investor. So, without further ado, let’s begin!
Hey there! We have noticed that many of you need additional guidance when it comes to loan originator Risk Scoring (no worries, that makes sense). Hence, we are back with yet another blog post to debunk the myths surrounding the Score and explain to you how it is calculated.
What is Total Score and how to apply it?
Hey there! Hope that you are enjoying your P2P journey with Welfio! In the meantime, we are back with yet another blog post! In this blog post, we will guide you through the origins of the Total Score, explain how it is constructed, and lastly let you know how to use it to make smarter (and much, much quicker) investment decisions. We don’t know about you, but we are super excited about you learning to apply Total Score and becoming a smarter P2P investor. So let’s get to it asap!
Twino Loan Originators' scores suspended from Welfio
As some of you might have noticed, all of the lending companies from the Twino platform have their scores suspended in Welfion Investing Guide. This has happened because, given the latest developments with the platform and its loan originators, we see a lot of uncertainty in the short and medium term and, hence, cannot properly assess the risks associated with investing on Twino.
Creditstar, ID Finance, and IDF Eurasia scores suspended from Welfio
We hope you enjoyed our latest blog post Risk Scoring update: Twino Loan Originators' scores suspended from Welfio. Following the same note, here we will explain our reasoning behind the suspension of Creditstar, ID Finance, and IDF Eurasia scores on Welfio, as well as cover some of the potential causes behind the cash flow troubles that these companies might be facing right now.
Investing in a company's debt vs investing in its equity
We hope you found our recent risk scoring updates insightful. In case you missed them, here are links to both blog posts on the topic: Twino Creditstar, ID Finance, IDF Eurasia In this blog post, we cover the main differences between investing in a company’s equity (stock) and its debt and explain why you should probably analyze your debt investments differently than equity opportunities. Let us give some context.
Notes vs Collateralized Debt Obligations (CDOs)
We hope you enjoy our blog posts so far! If you have any feedback on them, we would be delighted if you shared it with us on social media or via email. Turning to today’s point. Ever since Mintos announced they will be transitioning to notes, we have observed an increasing number of comments and discussions across various social media channels comparing notes to something called Collateralized Debt Obligations (CDOs). Here are just some examples.