Latest Articles

Around the world with iuvo: LendIT & DevReach


In November 2018 iuvo participated in two of the top leading conferences for FinTech in Europe – LendIT and DevReach.

LendIT FinTech Europe – The most successful FinTech conference on the Old Continent.

On November 19th, we sent Ivaylo, Vladimira, and Daniela with a direct flight to London to represent iuvo at LendIT FinTech Europe – one of the most interesting conferences in FinTech world.
The event was attended by leading FinTech companies, and by some of the most passionate FinTech lovers, who want to get firsthand information about the new trends in the sector. Some of the discussed topics were about the global regulation of cryptocurrencies, the future of open banking, the influence of the biometric data on the FinTech industry, and so on.

Iuvo team was part of LendIT FinTech Europe for the second time in a row. During the two days of the event we had the opportunity to meet FinTech professionals, and to talk about our experience. We also discussed partnership possibilities, and we received a valuable feedback on the platform.

The premier of our socially responsible campaign “The value of money” also took place there. It was positively greeted, judging by the feedback we received, saying that the 1 iuvo coin is one of the most useful and interesting gifts at the event. We can learn more about the campaign from here.

DevReach – One of the leading conferences for software specialists in Central and Eastern Europe

On the 10th Annual international DevReach conference, which took place on the 13th and 14th of November in Sofia, we presented the conception of iuvo in an understandable way, but by means of taste! If you are wondering if it’s possible, the answer is: “Yes, it is!”.

Each of the guests on our stand had the opportunity to get a taste of the pleasure of making yield with iuvo. Literally. We recreated the three levels of investment with the help of ice cream. Low-risk investments had the taste of sour cream, “up to 10%” interest had the taste of Zabaione ice cream, and the spiciest 15% interest tasted like chocolate chili. People liked our idea. Proof for that is not only the amount of eaten ice cream, but the new investments on the platform as well.


We always desire to be in touch with the newest in the world of innovations and Fintech. These events are truly important for us also because of the opportunity to meet in person our investors, professionals from the industry and all people who want to learn more about P2P investing. This is one of the best ways to get a direct feedback about iuvo as well as ideas and valuable advice on how to improve the platform.

Meet iuvo: Kristiana Uzunova


We keep showing you our iuvo team. Today the focus is on Kristiana! She adores cats, she loves reading books and exploring new things, but most of all she loves to travel. You won’t be surprised if we tell you that she graduated Tourism. And this is not where her interests end! Kristiana chooses to develop in different professional directions and today she is proud to be a part of iuvo, where she says that she feels like home.

1. How did you wind up at iuvo?
Through an HR agency. Before that, I hadn’t heard of iuvo, but I am grateful that the things happened this way.

2. What do you do when you’re not working?
Mainly three things – reading, travelling and meeting up with friends. Also playing puzzles.

3. Do you have a special talent?
I can move my ears.

4. Do you invest in anything?
I invest in iuvo and in buying books.

5. What should people invest in, besides money and assets?
I think all of us should invest in our future development. Whether it is personally or professionally – we should always strive to do and to be better.

6. What are your customers’ biggest concerns?
Most of the people are not familiar with the concept of P2P investing. This is the main reason they don’t feel sure about it. There is a variety of questions we receive every day and we find it really satisfying to be able to help them and to gain their trust.

7. What do you do when you get mad at people?
I tell them what I think they did wrong and how it made me feel. Then I try to understand the other point of view, in order to clear things up.

8. What is the best advice you have for newbie iuvo users?
Don’t be afraid to ask questions! We are here to help you.

9. Let’s wrap this up with an existential one. Who comes first, the chicken or the egg? Explain why.
This is the biggest mystery of all times. I believe the egg was first.

Investing – the oldest method to keep your wealth growing


The idea of investing originated in ancient times. It can be traced back to Mesopotamia, 4th millenium BC. At that time, the main asset of interest was land. The only people who could afford to buy land were the rich ones, or in other words – the elilte. Investing proved to be such an important part of society’s life that it made its way to the famous Code of Hammurabi – one of the oldest preserved legal documents in the world. According to the Code, land was to be used as collateral for investment.

Let’s talk about more recent events

Fast forward to the XVII century, the world saw its first real stock market open doors – the Amsterdam Stock Exchange. Although historians argue on whether it really was the first one, it was definitelty first in size and it got enough publicity to become widely recognized as an institution. The stock market was created as an effort to connect business owners and investors, and to standardize investing, while also making it a more transparent and accessible process. That was also when concepts like liquidity, publicized value, and free price sharing were officially introduced.

The Industrial revolution – a new era of investing

Over a century later, the world entered into the industrial revolution stage. This period probably had the biggest impact on investing among all other events in human history. The industrial world introduced permanent employment and fixed salaries – thus people started having spare money that they could put aside every month. At the same time, they also needed a place to store and a way to manage their personal funds. This is how banking was born. Free funds could be saved and multiplied for the future – thus pension funds also originated. With so many changes at once, the investment scene was obviously changed forever – more people could afford to be part of it and they were provided with an easy way to collect and manage their earnings.

The Digital Age

We’re at the verge of another transformation. Actually, it would be more realistic to say that this transformation already started with the birth of FinTech. Even though stock exchange markets and banks made the investment game a whole lot easier, they still have their own imperfections – mostly related to bureaucracy and lack of control for the end user. Luckily, the technology sector has the means to overpower these drawbacks by digitizing and simplifying everything.

Until the new millenium, investing on the stock market was achieved through a middleman – people had to work with stock brokers to access the market and buy shares. The DotCom age provided us with commercial Internet and user-friendly platforms that help us follow the financial market on our own, make informed decisions and invest our money straight away. The available tools are sometimes smart enough that they do a big chunk of the work for you. This has also lowered the learning curve for newbie investors.

The new model

The tech revolution shaped new investment models and assets that didn’t exist before – like investing in P2P loans. Iuvo is a platform for P2P lending that allows you to invest in loans and make profit from the interest and the applicable fees. You don’t need to know anything besides general credit terminology and the profile of the borrowers (which is kindly filled by our loan originators). This gives you the power to start investing right away. At the same time, you don’t need to worry about sudden losses, since you’re protected by the Buy-back guarantee.


Solutions like iuvo help investors appreciate how much the world has developed in the last centuries. Investing has been part of the human culture for so long, but it didn’t experience any drastic changes until the 1600s. With the recent giant leaps, who knows what tomorrow will bring?

We made investing safe. Join iuvo now.

Meet iuvo: Radina Savova


We continue to show you iuvo team’s faces! Next on our meet-up list is Radina – our organized, ambitious and goal-oriented Customer Support Specialist. If we had to define her personality, we would say that Radina is always understanding and supportive, and “sometimes perfectionist” – as she may add. She holds a degree in International Economic Relations, but her passion and job positions so far lead her to communications and customer support. Before she joined iuvo team, Radina has been working in the non-banking financing sector.

1. How did you wind up at iuvo?
I found out about iuvo from colleagues. I’m always open to new opportunities and this was something that I instantly got interested in.

2. What do you do when you’re not working?
I like going out with friends, reading, traveling. The usual stuff.

3. Do you have a special talent?
Yes, I can paint.

4. Do you invest in anything?
I believe that every investment I make is actually an investment in myself.

5. What should people invest in, besides money and assets?
People should invest in themselves and their future. Investing money and assets is part of the whole picture, of course.

6. What are your customers’ biggest pains?
Some of them are still very insecure with P2P type of investments. It sounds to them too good to be true.

7. What do you do when you get mad at people?
I rarely get mad. I always try to see the things from different perspective. We should be open to accept other people’s opinion and mistakes.

8. What is the best advice you have for newbie iuvo users?
Just try it out. Everything new could be scary in the beginning, but this is the only way we can improve. And in this case – you lose nothing, so why not give a try?

9. Let’s wrap this up with an existential one. What comes first, the chicken or the egg? Explain why.
Oh, this one is easy. The chicken came first as a result of a cross-breed between two other species.


Meet iuvo: Kristiana Uzunova


We keep showing you our iuvo team. Today the focus is on Kristiana! She adores cats, she loves reading books and exploring new things, but most of all she loves to travel. You won’t be surprised if we tell you that she graduated Tourism. And this is not where her interests end! Kristiana chooses to develop in different professional directions and today she is proud to be a part of iuvo, where she says that she feels like home.

1. How did you wind up at iuvo?
Through an HR agency. Before that, I hadn’t heard of iuvo, but I am grateful that the things happened this way.

2. What do you do when you’re not working?
Mainly three things – reading, travelling and meeting up with friends. Also playing puzzles.

3. Do you have a special talent?
I can move my ears.

4. Do you invest in anything?
I invest in iuvo and in buying books.

5. What should people invest in, besides money and assets?
I think all of us should invest in our future development. Whether it is personally or professionally – we should always strive to do and to be better.

6. What are your customers’ biggest concerns?
Most of the people are not familiar with the concept of P2P investing. This is the main reason they don’t feel sure about it. There is a variety of questions we receive every day and we find it really satisfying to be able to help them and to gain their trust.

7. What do you do when you get mad at people?
I tell them what I think they did wrong and how it made me feel. Then I try to understand the other point of view, in order to clear things up.

8. What is the best advice you have for newbie iuvo users?
Don’t be afraid to ask questions! We are here to help you.

9. Let’s wrap this up with an existential one. Who comes first, the chicken or the egg? Explain why.
This is the biggest mystery of all times. I believe the egg was first.

Investing – the oldest method to keep your wealth growing


The idea of investing originated in ancient times. It can be traced back to Mesopotamia, 4th millenium BC. At that time, the main asset of interest was land. The only people who could afford to buy land were the rich ones, or in other words – the elilte. Investing proved to be such an important part of society’s life that it made its way to the famous Code of Hammurabi – one of the oldest preserved legal documents in the world. According to the Code, land was to be used as collateral for investment.

Let’s talk about more recent events

Fast forward to the XVII century, the world saw its first real stock market open doors – the Amsterdam Stock Exchange. Although historians argue on whether it really was the first one, it was definitelty first in size and it got enough publicity to become widely recognized as an institution. The stock market was created as an effort to connect business owners and investors, and to standardize investing, while also making it a more transparent and accessible process. That was also when concepts like liquidity, publicized value, and free price sharing were officially introduced.

The Industrial revolution – a new era of investing

Over a century later, the world entered into the industrial revolution stage. This period probably had the biggest impact on investing among all other events in human history. The industrial world introduced permanent employment and fixed salaries – thus people started having spare money that they could put aside every month. At the same time, they also needed a place to store and a way to manage their personal funds. This is how banking was born. Free funds could be saved and multiplied for the future – thus pension funds also originated. With so many changes at once, the investment scene was obviously changed forever – more people could afford to be part of it and they were provided with an easy way to collect and manage their earnings.

The Digital Age

We’re at the verge of another transformation. Actually, it would be more realistic to say that this transformation already started with the birth of FinTech. Even though stock exchange markets and banks made the investment game a whole lot easier, they still have their own imperfections – mostly related to bureaucracy and lack of control for the end user. Luckily, the technology sector has the means to overpower these drawbacks by digitizing and simplifying everything.

Until the new millenium, investing on the stock market was achieved through a middleman – people had to work with stock brokers to access the market and buy shares. The DotCom age provided us with commercial Internet and user-friendly platforms that help us follow the financial market on our own, make informed decisions and invest our money straight away. The available tools are sometimes smart enough that they do a big chunk of the work for you. This has also lowered the learning curve for newbie investors.

The new model

The tech revolution shaped new investment models and assets that didn’t exist before – like investing in P2P loans. Iuvo is a platform for P2P lending that allows you to invest in loans and make profit from the interest and the applicable fees. You don’t need to know anything besides general credit terminology and the profile of the borrowers (which is kindly filled by our loan originators). This gives you the power to start investing right away. At the same time, you don’t need to worry about sudden losses, since you’re protected by the Buy-back guarantee.


Solutions like iuvo help investors appreciate how much the world has developed in the last centuries. Investing has been part of the human culture for so long, but it didn’t experience any drastic changes until the 1600s. With the recent giant leaps, who knows what tomorrow will bring?

We made investing safe. Join iuvo now.

Meet iuvo: Radina Savova


We continue to show you iuvo team’s faces! Next on our meet-up list is Radina – our organized, ambitious and goal-oriented Customer Support Specialist. If we had to define her personality, we would say that Radina is always understanding and supportive, and “sometimes perfectionist” – as she may add. She holds a degree in International Economic Relations, but her passion and job positions so far lead her to communications and customer support. Before she joined iuvo team, Radina has been working in the non-banking financing sector.

1. How did you wind up at iuvo?
I found out about iuvo from colleagues. I’m always open to new opportunities and this was something that I instantly got interested in.

2. What do you do when you’re not working?
I like going out with friends, reading, traveling. The usual stuff.

3. Do you have a special talent?
Yes, I can paint.

4. Do you invest in anything?
I believe that every investment I make is actually an investment in myself.

5. What should people invest in, besides money and assets?
People should invest in themselves and their future. Investing money and assets is part of the whole picture, of course.

6. What are your customers’ biggest pains?
Some of them are still very insecure with P2P type of investments. It sounds to them too good to be true.

7. What do you do when you get mad at people?
I rarely get mad. I always try to see the things from different perspective. We should be open to accept other people’s opinion and mistakes.

8. What is the best advice you have for newbie iuvo users?
Just try it out. Everything new could be scary in the beginning, but this is the only way we can improve. And in this case – you lose nothing, so why not give a try?

9. Let’s wrap this up with an existential one. What comes first, the chicken or the egg? Explain why.
Oh, this one is easy. The chicken came first as a result of a cross-breed between two other species.

€34 Million Invested – A Story about Success


Every now and then we like to give you an update about the progress of iuvo, so you know that your money is in the right place and we`re doing our best to provide you with a top investment experience. The increasing number of our customers is a sign that we`re on the right track and we aim to keep it that way. A few months ago, we talked about reaching the milestone of 20 million Euro invested on the platform by more than 5000 investors. However, today we`d like to take a step back and talk about our path to success.

About iuvo
Iuvo was founded in August 2016 in Estonia. Our first partners are from Southeast Europe – Bulgaria and Romania. They opened a whole new world of opportunities for our users. One of our main missions is to popularize P2P investments and spread over the word that there are many alternatives to the stale and traditional investment methods. We believe that anyone can make profit by investing in P2P loans and we can`t stand the thought that there are people out there, who are wasting their hard-earned savings on unprofitable investments.

Your success is our success
We`ve made extensive discussions on why to invest in P2P, but we really can`t emphasize the benefits strongly enough. It is our core belief that the fintech sector has the potential to make investing better for everyone and it is the future.

Traditional methods, such as bank deposits, have less than a percent annual return, whereas iuvo offers an average of 9.2%. With a well-diversified portfolio and clever loan selection you can go up to 15% ROI. Investing with platforms like iuvo gives you much more control over your funds and you are free to make a withdrawal from your account whenever you please. Our aim is not to restrict our users, but to empower them and provide the modern tools to make the most out of their savings. Each user makes us proud and motivates us to keep improving.

We don`t just measure success by the amount of money invested or the number of users we have, we also measure it by the feedback we receive and the satisfaction we get from our accomplishments. It is important to have a user-friendly platform and that`s why the whole investment experience can be personalized based on your preferences. You can adjust the level of risk, interest rate, investment period and many other factors that are relevant to you. It is a truly user-centered method. For example, you can let the Auto Investing feature do all the work for you by setting criteria, which will be followed when investing in loans. You can also focus on the long-run and let the compound interest accumulate to make the most out of your investment. It is your decision to make!

Many modern investors are starting to realize all of the above-mentioned factors and this is precisely one of the main reasons for the high growth of P2P in recent years.

We have a very positive outlook for the future of iuvo and our users. We hope that the 34 million mark will be only a small milestone in the bright future that awaits us. Now start investing and make your savings work for you!

Meet iuvo: Ventsislava Mancheva


She has a Master’s Degree in Law from Sofia University “St. Kliment Ohridski” and loves when everyone is following the rules. She is a hardworking positive person, who believes that in most situations you can find a win-win solution that is best for every party. Loves challenges and situations that make you think out of the box. Believes that the best lessons are learned by experience. She is Ventsislava – our Loan Originator Partnership Exclusive.

See what she has to share:
1. How did you wind up at iuvo?
By chance. This was one of those moments, where you get to understand that life has its own way of putting people where they belong.

2. What do you do when you’re not working?
I travel and do sports. I love meeting people from different cultures. I want to understand how they see the world and what is on their minds. Also, I love photographing small objects and elements, because the devil is in the details, which we tend to forget during our everyday life.

3. Do you have a special talent?
I don’t believe I have one, but I always try to develop new skills and improve the ones I already have.

4. Do you invest in anything?
Yes, in my personal growth and in iuvo.

5. What should people invest in, besides money and assets?
Education on how to have more free time and how to make their current assets and time work for them. People should also invest in understanding their goals, and achieving them.

6. What are your customers’ biggest pains?
Among the most common questions is “Is iuvo legal?” Yes, it is! : )

7. What do you do when you get mad at people?
I go out for a long walk to calm myself down. Nothing good ever comes from a conversation between affected or mad people.

8. What is the best advice you have for newbie iuvo users?
Ask questions if you don’t understand something.

9. Let’s wrap this up with an existential one. What comes first, the chicken or the egg? Explain why.
None of the above. Not the objects, but the idea about the objects has come first. 

Performance of the P2P sector in Europe


Europe, the birthplace of the first P2P platform in the world, has enjoyed a spectacular growth in the sector of alternative financing. The fast-developing investment culture helps the evolution of the P2P platforms in Europe.

Investors from the “old continent” are now well educated about the fact that platforms such as iuvo are the future of the financial industry. It is prognosed that the area of FinTech is going to continue its overwhelming expansion. Individuals and companies looking to invest intelligently are already aware of the advantages of P2P. More and more of them are choosing to increase their savings through digital services, instead of traditional methods.

The time of P2P investments

The rapid growth of P2P investments is truly noticeable and nothing short of mesmerising. And all of that is, of course, backed by rock-solid numbers.

According to data by Forbes, the market of alternative finances in continental Europe grew by the incredible 101% in 2016. This led to the decentralization of the financial power far from London, which caused a reduction of the British capital’s market share by 8%.

Another undisputable proof of the rapid growth of the peer-to-peer industry in Europe is the fact that there are now huge amounts of institutional investments fuelling it.

The statistics are truly impressive and the industry is set to expand a lot further. From $26 billion in 2015, the P2P sector is expected to grow to $460bn by 2022, according to Research and Markets.

It’s a matter of trust

All data points out to the reasonable conclusion, which explains the impressive growth of the P2P industry – it’s all about trust.

The outstanding results in numbers are a direct evidence of the fact that more and more individuals and companies are putting their trust in the peer-to-peer investing.

It is not difficult to explain this phenomenon, because the P2P transactions are known with their transparency, ease of operations, and complete control over your transactions and money flow. They contrast with the inflexible and confusing traditional forms of investments.

We are proud that we are at the forefront of an industry with a growing portfolio and steady expansion. We are incredibly proud of managing to triple our turnover in the span of the past year. This gives us the confidence we need to continue earning our clients’ trust and exceed their expectations.

Thinking in the long-term

Just like the very P2P niche, iuvo is not only here to stay, but to thrive and offer highly profitable passive income to our increasing number of clients.

We are focused on building lasting and trustworthy partnerships that we not only mediate, but encourage and stimulate through our services. For the past 12 months the average annual interest rate that our investors achieve is 9.2%, which by far exceeds what the traditional forms of long-term investments offer.

We should highlight that we are talking about the average return rate. In reality returns on investments made through iuvo may reach up to 15% annually, depending on each individual case.

And we are only just getting started! Our structured growth as a company and our clients’ wholehearted trust oblige us to continue expanding in the years to come. Our investors can be sure that their investments are safe and that the interest rates will remain unchanged. The only variable here actually is the number of friends and partners they will tell about iuvo – and that is obviously on the increase, too.

P2P investing vs mutual funds


Traditional investment instruments have been seriously challenged by modern FinTech solutions and not without a reason. The “classic” offerings, like stocks and bonds, haven’t changed their shape and form ever since financial markets exist. Even though trading has been made easier by digitalizing how investors track and interact with assets, the nature of the assets themselves is still the same. Today we will examine how a mutual fund – a classic collective investment trust, compares to a modern FinTech solution – P2P investment.

What is a mutual fund?
Mutual funds are professionally managed pools of money, provided by external investors. People participate in mutual funds by buying shares, similarly to stock trading. The fund managers are the ones who monitor the financial markets, perform analysis and decide where to invest shareholders’ money. In exchange a certain amount of fees is collected (usually, a percentage of the fund earnings).

And what is P2P investing?
Peer-to-peer investing is a FinTech solution that has become increasingly popular throughout the last 10 years. It’s performed through web applications and allows users to invest in personal loans. The loans can either be issued by an originator (a non-banking credit institution) or by the P2P platform itself, provided that it’s registered as a credit intermediary. The profit is then proportional to the size of the investment and comes from the interest rate of each loan and any applicable borrower fees.

How do we compare?

• Accessibility
Mutual funds are a fairly good instrument tool for newbies and for people with less free capital. Usually you can buy as low as 100€ worth of shares.

P2P investing is even more accessible: some platforms, like us, let you start with asas 10€.

• Diversification
Mutual fund portfolios usually include hundreds of securities. However, keep in mind that the one who decides where to locate your finances, is the fund manager – not you. Fund managers usually spread the pooled capital between stocks and bonds.

With P2P diversification is in your hands. You have multiple loans to choose from and each loan has a different interest rate, risk rating, payment plan and borrower profile. You can also pick from various loan originators, countries and currencies.

• Risk and security
Even though mutual funds seem like a balanced investment method, they actually have an unattractive risk profile. As mentioned above, mutual fund portfolios include a vast mixture of securities. Their value changes daily and depends on various factors – some of them unpredictable. There’s always a chance for major market crashes, political instability, currency deprecation etc.

With P2P there is also risk, of course – but mostly the predictable kind. We, at iuvo, secure your investment using three main methods. Firstly, our loan originators are obliged to assess the expected default risk for each loan and indicate a risk rating. Secondly, they provide us with a detailed profile of each borrower. And last, but definitely not least, we offer a Buy-back guarantee, which ensures that in case of loan default, you will get your full investment back in 60 days. So, in reality, the only possible loss for you is losing the ability to make profit with certain loans.

• Strategy
Mutual funds can be part of a bigger plan, but they shouldn’t be the only instrument in your strategy. As convenient as it is to have the hard part done by someone else and collect your profit without moving a finger, it’s not wise to fully give up control. Especially considering highly volatile assets might be included in the fund portfolio.

The interesting part about P2P is you can use it as a single instrument. You can setup automatic investments, using loan filters with lower risk – they will bring you secure long-term earnings, albeit smaller. You can also set limits to the size of each investment as well as to the size of the final spend. While Auto Invest is working for you, you can use your time to browse our offerings and pick your high-risk investments manually, to try and secure a bigger short-term profit.

There are many investment instruments out there. Some of them have been around for decades (even centuries) and haven’t changed in nature. They are either not easily accessible and require a big starting capital for the profit to make any sense, or have unaddressed faults – like high volatility, low liquidity and the risk to lose your savings altogether. Smart FinTech solutions, like P2P investing, aim to solve most of these problems and provide you with a flawless investment experience. At iuvo we prepared a two-part guide to help you get started. Check it out: Vol. 1 and Vol. 2

Register at iuvo to experience the advantages of P2P lending. Join here!

Meet iuvo: Ivo Kirov


It’s time to introduce to you our ambitious and confident Customer Support Specialist Ivo Kirov! Ivo is goal oriented and always do materializes the things he wants. If you wonder how does he succeed – it’s simple with a can-do attitude! He holds diploma in Exploitation of Ports and fleet and a Bachelor’s degree in International Economic Relations. Despite his young age, he has 4 years of experience in the Sales and Customer Support department. And we can say that he is doing a great job so far!

1. How did you wind up at iuvo?
I saw the job offer online. I read the description of the perfect candidate’s profile and the job role, and I thought to myself: “I am that guy and I can do that”. Then I applied and was invited for an interview. I really liked the office color in green – it’s my favorite color. And it turns out they liked me too.

2. What do you do when you’re not working?
I work out. Sometimes I go out with friends.

3. Do you have a special talent?
I can always find the positive in any situation. When things don’t go my way, I get even more motivated to make them do so. When life brings me down, I get right back up. I can also create drama out of nowhere.

4. Do you invest in anything?
Everybody invests, whether they realize it or not. People invest money in making profit, but mostly they invest time and energy.

5. What should people invest in, besides money and assets?
People should 101% invest in themselves! It is a long-term investment and it is the safest one with the highest profit.

6. What are your customers’ biggest pains?
Some of them think iuvo is too good to be true.

7. What do you do when you get mad at people?
I go to the gym and try to stay cool. If that doesn’t help, I let all Hell break loose.

8. What is the best advice you have for newbie iuvo users?
If you do not understand something, don’t be afraid to ask.

9. Let’s wrap this up with an existential one. Who comes first, the chicken or the egg? Explain why.
The egg. Laying eggs is one of the few reproduction ways for the beings on Planet Earth. Chickens are a product of evolution, so eggs were here way before the chicken. BTW, no one ever told us what was inside the egg…

Race with your friends while investing in iuvo


There are many reasons to try investing in P2P loans, ranging from the flexibility and transparency of the method, to the guarantee for safety and of course profitability. With an average return of 8% and a very low barrier to entry, this kind of opportunity is ideal for both casual and experienced investors. You only have to take some time and learn how to use the platform efficiently. Furthermore, there are many possibilities to customize your experience based on whether you are a risk-averse investor or not. You can use the auto-invest feature which ensures that your funds are always invested based on the preset requirements.

Our Challenge to You
There is another aspect to P2P investing that probably hasn`t occurred to you yet. Yes, it is a great and lucrative opportunity, but there is also an aspect beyond the mechanics of the platform. Investing in P2P can be turned into a race that motivates you and gives you drive to strive for even better results and profitability. Having a goal is always a prerequisite for achieving success, and trying to outdo someone might just be the thing you need.

So here`s our challenge: find a friend who`s as enthusiastic about making smart investments as you are and challenge him to an investment duel to see which one of you will do better. We believe that this might be a fantastic opportunity to reach a little further and go beyond the average 8% profitability. Try developing bolder new strategies to improve your past results, and know that the buy-back guarantee protects you in the unlikely event of a loan defaulting. In turn, this might stimulate your opponent to up his game, which will lead to you doing likewise.

Investing can be fun
Investing shouldn`t be perceived only as means for making profit. Yes, this is a big part of it and the reason why most people do it, but there is also excitement and intrinsic reward when it all pays off. Iuvo`s easy to use platform allows you to gamify your investment experience and enjoy the process itself. The intuitive design makes it easy to navigate and find the menu or feature that you need. Also, don`t forget that our devoted customer support team is always there to help you out. Remember that investing with iuvo is extremely safe when compared to other investment methods, so get rid of any stress that might make your experience negative.

Our Suggestions
There are many different approaches that you can take for your friendly showdown. You might set a time limit or structure the game in rounds. For example, whoever has the biggest return on his investment in 12 months is the winner. Or you can make it really long-term and decide the winner by doing 3 rounds of 12 month investment periods. But look at it this way, in reality there won`t be any losers, since both of you would`ve made profit in the end, while also having had a healthy dose of friendly competition and sportsmanship.

Many challenges may arise in the process of your race that will turn you into a better and smarter investor. If you think that you`re not doing well and your opponent is winning, you might want to employ a more aggressive strategy or diversify your portfolio and disregard the auto-invest feature. These are all valuable skills that will prove helpful in your future investments and will make you more profitable in the long-run.

Investing in P2P is a great opportunity, but it can also bring excitement and self-improvement to your life. Everybody wants to make profit and iuvo`s platform can make that happen while teaching you a little something beyond. Find a worthy opponent, craft a brave strategy and start investing!

Meet iuvo: Florin


It`s time to introduce to you Florin Gherghin – our treasured Chief Innovation Officer.
Florin is a man of the world who has lived in 5 different countries for the past 5 years. His main focus is on delivering “Customer Service Excellence” as he puts it, but he does so much more than that. He has diverse experience as a leader in the fields of customer service, crisis management, business development and of course, start-ups and innovation, which is why we always lean on him for critical advice and direction.

Here is how Florin answered the questions we threw at him:
1. How did you wind up at iuvo?
In 2017 I worked for a 3 months project with iuvo, as an external consultant. Following that I become in chronological order: a reluctant investor who was curious to test the platform, an enthusiastic investor and brand advocate, and, in this moment, an enthusiastic employee part of iuvo’s young and visionary team.

2. What do you do when you’re not working?
I like traveling a lot. I try to see a new place every few months. I’m also a movie aficionado and I like reading whenever I have time. Despite my career choice, I still prefer paper over technology when it comes to reading 🙂

3. Do you have a special talent?
I can expertly quote and recognize dialogues from virtually any Twin Peaks episode and many other bizarre movies and TV series.

4. Do you invest in anything?
Over time I invested in banking products, stocks, investment funds and, of course, P2P loans. In the recent years I focus almost exclusively on P2P and investment funds, due to the low returns offered by banks and the time-consuming nature of stock investments.

5. What should people invest in, besides money and assets?
I think the best investment you can make is in your well-being, self-development and in the community, you live in. Also, it’s important to not forget about the environment. What we leave behind is a responsibility we have for future generations.

6. What are your customers’ biggest pains?
Our customers treasure the safety of their investments and want a transparent relationship built on trust. That is why at iuvo we make the security of your investments our top priority. Our Customer Support is among the best in the business and will always help you take informed decisions. It’s no coincidence that the translation from Latin of the word “iuvo” is “help”, “delight” or “gratify”.

7. What do you do when you get mad at people?
I rarely get mad, because I believe oftentimes conflicting points of view can be positive and they’re necessary for growth. When it happens, I try to address the issue directly and search for a solution in cooperation with the people involved.

8. What is the best advice you have for newbie iuvo users?
It is always helpful in the beginning to read the FAQs, look over the statistics of the platform and check the information about loan originators. My advice is to use our Auto Invest tool to maximize your return with minimum effort. And don’t forget about iuvo’s amazing Customer Support team, who is always there for you when you need help.

9. Let’s wrap this up with an existential one. Who comes first, the chicken or the egg? Explain why.
Tracking the species evolution backwards, there must be a point in time when the first egg was laid by an ancestor of the chicken. On the other hand, it can be argued that the ancestor of the chicken was not a chicken, in which case the answer becomes: the egg came first.

How Blockchain and Cryptocurrencies Will Change the P2P Industry


As a fin-tech company, iuvo is in deep touch with the latest technological developments in the field. Today we`d like to talk about something a bit outside of what we do, but still vital and related to it – blockchain and cryptocurrencies.

Blockchain and Cryptocurrencies
Perhaps you`ve heard of blockchain, but can`t really understand the point behind it. Simply put, it is a shared online ledger that is updated instantly after the information is input and can`t be altered afterwards. It`s a completely new and transformative way of information sharing. A good way to think of it is like a huge Excel spreadsheet that can contain all sorts of information, regarding transactions, deals, sales of assets and almost everything else. This makes it a perfect tool for ensuring the transparency of any transaction and that`s precisely why it`s so valuable when it comes to online investments. Because of the shared and distributed essence of the system, anyone can access it and verify if a transaction occurred or not, there is no way to forge it.

From the abovementioned factors, you can understand why blockchain can be important to the trading of any good or asset online. This naturally leads us to the next point of discussion – cryptocurrencies. A cryptocurrency, as the name suggests, is a virtual currency, secured with cryptography and unrelated to any government or institution. The only factors at play are the free market and the users. As you surely know, the most popular cryptocurrency is Bitcoin, but there are also others like Ethereum, Litecoin and Dogecoin.

P2P and Blockchain
P2P lending is a system which enables individuals to borrow and lend funds directly from each other, bypassing traditional financial institutions like banks. It is a process that removes the middle man and addresses many of the issues associated with traditional borrowing and lending. In the case of iuvo, we are talking about investing in P2P loans and making profit on the interest rates that are accumulated by the lender.

Naturally, there are other challenges that arise with P2P lending, like the guarantee for safety and transparency and this is exactly where blockchain can come in handy. It has the power to transform industries and P2P has much to gain from it, especially by helping to remove some of the intermediaries in the process.

There are three main aspects that blockchain can improve in P2P:
1. Cost – it can connect borrowers and lenders much more quickly.

2. Time – by removing some of the steps, the process can become more efficient and less time consuming, eliminating delays and allowing for quick loan approvals.

3. Transparency and safety – the shared and open nature of blockchain makes the whole process more secure and open, so even if there are third parties involved, they could not affect the transaction after it`s done.

Where it`s all going
With increasingly more intense discussions regarding the regulation of crypto and more government institutions trying to get involved in the process, many investors are becoming more confident about putting their trust in it. Possible future regulation can surely drive more traditional investors to try crypto, which in turn can result in an overall rise in trust towards such opportunities, including P2P.

There is certain mistrust that can be seen towards the newer investment methods powered by tech, but that is slowly changing. An overall positive perception towards cryptocurrencies will surely have a good impact on P2P and there are already lending platforms that are including Bitcoin as part of their service.

To sum it up, it is all connected. Uniting the transparent nature of blockchain and the direct nature of P2P can transform the whole process of money lending and borrowing, making it better for everyone involved. We can`t wait to see what the future holds for the industry and iuvo alike!

Meet iuvo: Daniela


Today we want to introduce to you Daniela Yordanova – our senior customer support specialist and an integral part of the team.

Daniela is always radiating happiness and energy, empowering everyone around her to do so as well. “Life is too important to be taken seriously.” is a favorite quote of hers, and we think that it demonstrates her mindset perfectly. She`s been working since she was 14, trying out different companies and roles, but no matter the position, she is always focused on good communication and personal approach – precisely what she does at iuvo.

1. How did you wind up at iuvo?
I started working at iuvo without having a clear idea about the concept, goals or perspectives. Consequently I fell in love with the idea so much that I got everyone around me hooked.

2. What do you do when you’re not working?
Sports are an inseparable part of my daily routine. When I`m not doing sports I like to go out with friends. Another hobby I have is photography. I like taking pictures of children and animals most of all – they`re always natural and joyful and that gives me energy!

3. Do you have a special talent?
I wouldn`t call it a “special” talent, but I have the ability to communicate well with all sorts of different people. This helps me do many things with ease and exceed people`s expectations.

4. Do you invest in anything?
I invest with iuvo, of course.

5. What should people invest in, besides money and assets?
I think that every person should keep in touch with the newest tendencies, do his research and get involved in as many investment channels as possible. Aside from financial investments, people should also invest in knowledge, courses and seminars. Information is the biggest weapon in the 21st century.

6. What do you do when you get mad at people?
I rarely get angry at someone, but when I do, I put some calm music and stop talking until the storm passes.

7. What is the best advice you have for newbie iuvo users?
I would advise them to not hesitate and bravely try out different strategies. The buy-back guarantee and intuitive interface turn iuvo into the perfect investment platform for people with funds to spare but no previous experience.

8. Let’s wrap this up with an existential one. Which came first, the chicken or the egg? Explain why.
For sure it was the egg! No doubt about it!

P2P investing – the control is in your hands


People who have never invested before have a utopic belief that investing means achieving quick results and exiting with lots of money in a whim. However, investing is far different from earning the lottery: it takes reading and dedication to achieve decent returns. You should never count on luck, and you shouldn’t perceive your investments as gambling. In fact, building a smart investment strategy could help you save a decent amount of money and even retire early.

When it comes to savings and long-term investment strategies, the average person usually thinks of bank deposits and stock shares. While these traditional methods have proven to work for people with a substantial amount of free funds at hand, they aren’t your best choice albeit being a traditional one. The FinTech industry works relentlessly to provide alternative investment methods, with P2P lending being an instrument of interest for over 10 years now.

P2P investment platforms build a bridge between loan originators and investors so they can mutually finance consumer and business loans, while earning profits from interest rates, along with any additional fees. It’s win-win situation where originators get external financing for their services, and investors gain access to an inexhaustible market, high liquidity, varying ROI, and mitigated risk.

If you’re looking for a cash earning alternative that could multiply your savings while you stay in control, keep reading.

How can I orchestrate my investment decisions with P2P?
P2P investing really leaves control in your hands. You can choose what currency to open your account in, browse all available loans and decide which ones to invest in, and last but not least – you can withdraw your free funds anytime.

Our company – iuvo is one of the most user-centric platforms around. Using iuvo suggests no learning curve: you simply login and you see our Primary Market, which is a list of loans and their specifications. Our partner originators publish insightful data for each loan, so you can take an informed decision about your investment. You can see the payment plan, interest rate, risk rating and how many instalments have been paid so far (if any). Originators also include demographic data about individual borrowers: their age, marital status, hometown and monthly income (of course, no personal data is shown).

Having all this knowledge at hand, you can devise a long-term investment strategy and even diversify within the platform. We wrote an article about manual investing, where we give you some smart ideas for building your P2P lending approach. We suggest you to check it out, especially if you’re just starting.

How can I save money through P2P investing as my long-term instrument?
Platforms like ours offer you the opportunity to earn up to 15% annual returns, depending on your overall strategy and preferred risk level. Provided that you built a balanced P2P portfolio, you could expect an average of 8% in annual profit.

With bank deposits offering little to no returns, and stock shares being a highly volatile asset, it’s a no brainer that P2P lending can be a better contributor to your savings in the next decades. If you set aside a sum that’s proportional to one monthly salary, and you keep reinvesting your profit, you can expect steady growth in your long-term returns. Here’s an example graph that shows how your ROI could grow in the next decades, if you invested 5 000 EURO every year: Roadmap: Investing in P2P lending over 40 years. It wouldn’t be an overstatement to say you could become a millionaire, provided that you’re patient and persistent with your investing game.

Of course, it’s not necessary to start with this amount of money, and this graph is just an example of achievable results. We recommend you to register, take a look around, and start investing with suitable amount so you can become familiar with how our platform works. After browsing a few pages of loan listings, and investing in some of them, you will have learned enough to judge what size of investments and what level of risk you’re comfortable with. Then simply adjust your strategy as you go. Good luck!

Meet iuvo: Miroslav


Today we continue showing the faces behind iuvo to the world. The next person on the hot chair is Miroslav, our handy project manager.

Miroslav has extensive experience in both banking and non-banking sector, working for BNP Paribas Personal Finance and United Bulgarian Bank. He made the leap from corporate to start-up and from traditional banking to FinTech last year, when he joined our team. His childhood dream was to be a doctor so he can help others. However, he subsequently finds his vocation in the financial sector, but his willingness to help people has not changed, but has only changed in the direction of providing financial rewards.

Here’s how Miroslav answered our little question stack.

How did you wind up at iuvo?
By chance. I always wanted to work in a start-up environment, but before that I had to get an important experience for me. I had the opportunity to change my traditional working environment and go into the increasingly popularity innovative sector of FinTech. I was aware of the business model before joining iuvo and I really liked it. This is an activity that allows you to be innovative in many aspects and constantly challenge yourself to bring value to the customer in a new way. So when the opportunity came, I could not miss it.

What do you do when you’re not working?
I like reading, listening to music and meeting my friends. I love basketball, but less time I manage to spend on it.

Do you have a special talent?
Drawing. This is another activity that I also love to do.

Do you invest in anything?
Every day – by working in iuvo, looking for different solutions and constantly communicating with great people, from whom I can always learn something new. I really believe that I manage to invest first and foremost in myself by being keen and open to everything new and always looking to broaden my knowledge. And, of course, I invest in iuvo. I follow the stock market and several companies, but I have not yet made my purchase.

What should people invest in, besides money and assets?
Always invest in yourself. This is the most profitable investment you will ever make. You will certainly feel fulfillment and satisfaction from your personal and professional growth. Commit to your passion, challenge yourself and don’t stop until you succeed.

What are your customers’ biggest pains?
Probably the fact that the industry is still somewhat unknown to most people and they are hesitant in the beginning, until they are convinced it’s legit.

What do you do when you get mad at people?
I try not to let my emotions get the best of me. Anger tends to lock us into a single way of thinking about what happened, so I let some time pass, then analyze the situation and refrain from emotional responses. And of course – communication is key.

What is the best advice you have for newbie iuvo users?
When you are a beginner for the platform, you have to give yourself time to explore the platform and get to know all the features, you need to test it, to feel comfortable using it. Then you must create a plan and define what you want to achieve by investing in iuvo and what you are aiming for.

Let’s wrap this up with an existential one. What comes first – the chicken or the egg? Explain why.

Ah, one of life’s greatest mysteries. I see it as a paradoxical issue that cannot receive a one-sided outright answer, but it is an interesting topic for discussion for centuries. But I’m a supporter of the “Egg team”, so I’ll say – the egg. It has carried the mutation in order for the first hen to appear – as we know it.

Meet iuvo: Vladimira


It`s time for you to meet Vladimira Lulova – a core member and manager of the customer support team at iuvo, someone without whom our work would be impossible.

Vladimira is an achiever and a person of her word, which are precisely some of the qualities that make her a great fit for the team. She graduated from two universities at the same time and has no issues managing many tasks and responsibilities. All of her professional experience is related to communication and ensuring great a customer experience, which she quotes as her basis for developing invaluable interpersonal skills. Vladimira enjoys listening to the client`s troubles and engaging in helpful conversations with them.

Read on to find out how Vladimira answered our questions.

How did you wind up at iuvo?
Not surprisingly, we established contact via LinkedIn. Iuvo is a fin-tech company after all.

What do you do when you’re not working?
I read and I do sports.

Do you have a special talent?
I am a catalyst that enables others and make things happen. I am also very good at eating cake.

Do you invest in anything?
Investing is a form of discipline and I`m glad that it`s something my parents have given to me. When I was 22 I made my first investment in the form of a bank deposit. I was working two jobs at the time and I could save a decent amount of money. Since then I haven`t stopped investing. It sounds banal, but most often people invest in themselves, and I`m no exception. I invest my finds diversely and then use them for traveling and meaningful experiences.

What should people invest in, besides money and assets?
I think that most people believe that their dreams are impossible to achieve. They should invest their efforts into creating opportunities for achieving what they want.

What do you do when you get mad at people?
I try to come up with an explanation about why the other person is acting in such a way. It helps me see things from his perspective and not get angry.

What is the best advice you have for newbie iuvo users?
I`ve said it before – test everything! Use all the functionalities and features of the platform, they exist to make your life easier.

Let’s wrap this up with an existential one. What comes first, the chicken or the egg? Explain why.
I think that some lizard laid an egg and a chicken came out of it…

P2P Investment vs Stock Trading


When people think of “investing” or “trading”, there are certain traditional methods that always come to mind. Perhaps stock trading is among the most popular associations, along with bank deposits or bonds. This however is changing and in the 21st century new investment opportunities are emerging, fueled by the advance of technology and the dynamics of modern life. Old investment opportunities are becoming rigid, insecure and most importantly, less profitable.

The issue
Today we`d specifically like to focus on stock trading and examine how it compares to P2Pinvesting. It is also important to consider what kind of trader you are or want to become – someone who`s looking for a quick profit or someone who needs security, trust and long-term return on investment.

Stock Trading
Trading securities has been around for quite some time, originating back in the 18th century when times were very different. As you probably know, it relies on the value of a given security going up or down in order to turn profit and the main challenge is to precisely predict that direction. In its very essence stock trading involves a great deal of unpredictability and consequently risk.

Nowadays we live in adequately stable economic conditions and there are many companies that are doing well, perceived as top trading opportunities, but for many this kind of investment involves a great deal of capital, time and resource, along with substantial economic knowledge. Plainly put, it is not accessible for most people.

Let`s take a look at some numbers. According to statistics, the average profitability of the general stock market (after adjustment for inflation) for the period of 1950 to 2009 is 7%. But remember, this involves major fluctuations and means that some of the investors made a lot of money, while other lost it all. The ones who made profit are mostly educated economists and professionals, who`ve devoted their lives to trading.

P2P Investment
On the other hand, investing in P2P loans is a relatively new opportunity, designed to be accessible and profitable both for professionals and beginners. It relies on a completely different approach, with a much higher long-term profitability guarantee. The average return on the investment is 8% and it can be achieved by any of our users, regardless of their experience. All it takes is a bit of time to learn how to use the platform and its features.
This is a type of investment that focuses on making profit in the long-run and cannot yield very fast results, but it is stable and reliable, ideal for anyone who wants his money to work for him. The user can hand pick the loans he wants to invest in, or use the auto-invest feature that does all the work and earns stable profit. There is no need to perform complicated market analyses or constantly follow economic news. All it takes is consistency and commitment. Remember that this is a long-term investment.

Why invest with iuvo?
One of our main goals at iuvo was to make investing safe and remove factors that are difficult to predict, like the ones at play in stock trading. Furthermore, we offer a buy-back guarantee on any loan that defaults, so you can be brave when creating your investment portfolio and trying out different strategies.

We have a dedicated customer support team that will answer any question you might have or even guide you through the creation of your first portfolio. You can reach us anytime via the live chat, phone or email and we`ll answer all your questions, no matter where you`re from.

Over 6000 people have already placed their trust in us and are investing in P2P loans every day, earning small percentages from many different class loans, compounding interest and generating long-term stable profits. Our users come from 108 different countries and we welcome each one of them. Care to try as well?

Look who sits behind iuvo! Meet Ivaylo Ivanov


Recently we hit the two-year mark in our start-up history. Iuvo is obviously no longer a start-up, however we’re still full of excitement and curiosity, and we can’t wait to see what’s next.

Behind every great product is an even greater team. This is why we decided to launch a series where we introduce you to iuvo’s real face: the people who work to make it all work for you. We went around asking the same questions and it was exciting to see so many different perspectives. Without much rambling – every ship has a captain, so we’ll start with ours: Ivaylo Ivanov.

Ivaylo is a FinTech expert with a MBA degree from Cotrugli Business School and ACCA membership. He has worked for Ernst & Young, Leionen Group and PricewaterhouseCoopers, which helped him develop his diverse professional background in professional services, business development, executive consulting and project management. Before founding iuvo, Ivaylo was member of the Board of Directors of the European Equity Crowdfunding Association. He describes himself as entrepreneur by calling, tennis enthusiast by desire and a curious human being who’s always searching for new ways to do things by soul.

How did you wind up at iuvo?
After going out of the corporate world to develop startup businesses, I’ve been working on numerous projects in the crowdfunding field for the past 6 years. I felt it was the field that best matched my academic background with my desire to try different things. When I met with the rest of iuvo’s founders and investors, I immediately saw that this is a desire that we share 100% – to build new things from the ground up, to explore new directions, try new approaches to business. It was a natural fit and I’m glad we have the chance to plan iuvo’s future together.

What do you do when you’re not working?
I’m a big sports fan. I practice tennis and football actively, and I go diving from time to time. Like every young person, I enjoy traveling and meeting new people. It helps me get a new perspective on things, both personally and professionally.

Do you have a special talent?
I’d say I’m a strong analytical thinker. No art talents, unfortunately.

Do you invest in anything?
I currently invest in P2P loans, stocks and crypto currencies. As you can see, my investments are diversified all around the specter: low risk, medium risk, high risk.

What should people invest in, besides money and assets?
Definitely in self development and education. For themselves or for their children, if they’re at this stage in life. These “assets” have the longest lifetime and the highest ROI!

What are your customers’ biggest pains?
We are in an economy cycle of over-liquidity in banks that leads to insultingly low interest rates on deposits. There are cases in Europe where banks are even giving negative interest on deposits. At the same time, banks are offering subpar customer service while charging disproportionate fees for it. Iuvo is a remedy for these pains because we offer fair returns, customer-centric approach and zero fees to our investors.

What do you do when you get mad at people?
I can honestly say I rarely get mad at people. I usually try to understand their position and frame of mind before judging their actions. After all, we’re people and we aren’t inherently bad. There’s a way out of every situation that doesn’t necessarily involve personal conflicts.

What is the best advice you have for newbie iuvo users?
I have two:
1) Diversify – always and forever.
2) Let us guide you through the process. Iuvo has been our team’s life since we launched it. We are definitely the best people to tell you how to make the most of it.

Let’s wrap this up with an existential one. Who comes first, the chicken or the egg? Explain why.
I’d go with the egg. My vision of innovation is similar to the Evolution theory: gather diverse animals with different talents, lay a lot of eggs and see what hatches. Could be a chicken… or a dragon 🙂

The era of shared funding


It’s the 21st century and banks are slowly losing their credibility, especially when it comes to savings and investments. Fortunately, the emerging technologies are filling the niche. One of them is peer-to-peer investing, that emerged 13 years ago in the UK. P2P provides agile investment opportunities, by utilizing the power of technology to connect investors with loan originators worldwide.

P2P allows non-banking financial institutions to be more flexible with their borrowers, by giving them a platform to list portions of each issued loan, so they can get financing from external parties. The first company to offer this service was UK’s ZOPA, founded in 2005. ZOPA has lent more than £3.46 billion to UK consumers to date. Not long after, more companies emerged. As of this year, the country boasts over 130 P2P investment platforms to choose from.

Since its initial success in UK, P2P investing has spread over the whole world and now it has significant presence on key markets, like US, China, Canada, Australia and New Zealand, among many. Most countries already have regulatory frameworks that allow supervisory organs to monitor P2P platforms. There’s still a lot to be done in certain regions, where P2P is relatively new to the investment landscape.

The lasting success and bright future of P2P platforms is supported by the stable returns index they have measured the last 10 years. It hasn’t seen major fluctuations and has kept its average level at around 5%. Besides achieving this level of stability, the sector has developed a lot in terms of service offering. Right now it caters to Consumer lenders, Business lenders, Property lenders and Receivables financing.

Why do investors trust P2P investing?
P2P investing has taken banking instruments, like deposits, by storm. In the bigger part of Europe bank deposits no longer offer decent returns, let alone any flexibility in accessing and managing your funds. In most countries you barely get 1% in annual profit. Adding that to the bureaucracy you have to go through if you want to work with a bank, it’s no surprise that people lose trust in traditional banking. Here is a brief list of reasons why P2P is gaining trust around the world:

High and stable returns
Most P2P platforms offer an average annual return of around 8%. Provided that you diversify your strategy and can stomach more risk you could raise the bar up to 15%.

Easy to use
The learning curve for P2P isn’t as high, as with other investment instruments. As long as you get familiar with general loan terminology and closely monitor the types of loans offered in the platform, you will get around effortlessly.

Low starting point
You can start with as low as 10 euro. Nothing more to say about that!

High liquidity and opportunities for diversification within the instrument
Thousands of loans are being published every day by different originators, with diverse borrower profiles, as well as varying interest and payment plans. You can choose whatever suits your strategy and preferred level of risk.

Some platforms, like us, offer a Buy-back guarantee. It ensures that in case of loan default, you will get your initial investment back in up to 60 days. Thus, you only lose the opportunity to profit, but you don’t lose your own money.

P2P landscape in Europe: iuvo
When founding iuvo we saw an opportunity to contribute to establishing P2P as a preferred investment method. We recently registered the company as a licensed credit intermediary in Estonia. Besides being one of the most progressive P2P lending markets, Estonia is a country that has proven to adopt new technology very fast. It already has a regulatory framework for alternative financing instruments like P2P platforms.

We currently work with five originators: Easy Credit (Bulgaria), Viva Credit (Bulgaria), iCredit (Romania), Fast Finance (Romania) and BBG (Georgia). These are the consumer and business financing market leaders, but they still went through a very tough compliance procedure to get to join (as will all of our future partners).
Besides the strong partnership potential, we saw the financial culture of Europeans maturing a lot. People are educating themselves about investment instruments and are interested in alternative methods that could help them avoid traditional banking. The growing interest for P2P lending as a savings instrument has already brought over 6000 investors to iuvo, with over 24 million EUR turnover for two years.

You can also save money and build your future – register with us!

The new generation saving solutions


Nobody is sure if the Fintech sector will fully replace conventional banking, but one thing is certain: it’s here to stay. The old approach to finance management is becoming obsolete, as it’s not able to meet the evolving needs of consumers and businesses. What happened to bank deposits is simple proof that investors need solutions for faster money turnover and good returns. At the same time, individuals and SMEs need sources of financing that are more flexible and less bureaucratic. This is where alternative financing comes to play, and more specifically – Peer 2 Peer lending.

Building a bridge between investors and loan borrowers while benefitting both sides – P2P lending is the millennial that makes the banks feel so “Gen X”. Why millennial? Because P2P is powered by tech, it’s easy, it’s quick, it’s inclusive, and you don’t need previous experience. Let us explain.

Leverage technology progress to create new opportunities
Banks are huge enterprise entities. They use software to improve their operations, but implementing new technology into a bureaucratic structure is challenging and far from quick. Unfortunately, the banking sector fails to catch up with latest tech trends and the human factor still pretty much dominates the industry. Naturally, employing hundreds and thousands of people to manage other people’s finances makes the service heavy, costly and slow to improve.

The Fintech sector made a big difference for one reason: using technology solutions to manage finances is a lot quicker, as well as more transparent for the end user. P2P lending is a great example – it’s a Fintech instrument that allows you to invest your money knowing exactly where it goes, all the while being able to predict your returns with precision, feeling secure about your initial investment. You can invest small amounts, check your results every day, withdraw money whenever you want, and reinvest within a second (even automatically). Simply put, P2P lending is user-centered and you have full control over your funds. We didn’t even mention the part where you don’t have to fill countless sheets of papers to open an account. Register, go through a short compliance procedure and you’re all set.

Can banks ever match these returns?
We recently did a detailed comparison between P2P lending and bank deposits. If you`ve read it, then you probably remember that we mentioned the achievable return rates from both sources. Achievable is not even a viable term for bank deposits, as you have to invest thousands upon thousands, and wait for years to get a decent profit. With P2P, you can start with as little as 10 EUR, and get as much as 15% ROI (depending on the platform you choose).
Besides offering good profit rates and a safe place to put your money, P2P platforms offer high liquidity and flexibility. You can choose between loans of varying size and interest with different payment plans, and unique borrower profiles. You can customize your investment strategy however you please. If you`re feeling lazy or if you want to target a very specific borrower/loan-type, you can even stop investing manually altogether, and setup the auto invest mode to let the platform do everything for you.

User-centric financial management is impossible to achieve in traditional banking, at least in this day and age. Fintech solutions are bringing serious competition to financial markets, and even if they don’t replace conventional banks, they`ve already challenged them by pointing out what’s wrong with the current system. Surely, Fintech and P2P are here to stay and disrupt the way people think about investments and personal savings. Maybe you too will feel like giving it a shot (even if you’re not a millennial?) – register and explore!

Diversify your investment basket with P2P lending


If you ask any experienced investor out there for advice on a smart way to go about your funds, 10/10 times you would get the same answer: “Never put all your eggs in the same basket. If you dropped it, you’d lose everything!”. The most important rule in investing is that you should diversify as much as you can. Stay with us for the “what”, “why” and “where”.

What does “diversification” mean?
Diversification is a technique that reduces risk by allocating investments among various financial instruments, industries, and other categories (Investopedia). If you want to achieve good returns while protecting your finances from abrupt losses, you should always search for new assets and instruments, for your next investment move. On top of that, it’s recommended to frequently monitor all instances where your funds are allocated, compare results and adjust your strategy by redistributing your investments.

Why should I spend time doing all that? It sounds like a lot of work! Can’t I just invest in various assets within the same group?
It’s a common misconception that investing only in stocks, but distributing your funds between various industries; or investing only in real estate, but targeting various locations and buildings, equals diversification. You’re technically diversifying, but not in the right way. Even though you’re splitting your funds, you’re restricting yourself to one asset group’s average return-of-investment and risk levels, which makes you vulnerable and means lost opportunities for profit.

Occurrences like economic crises and stock market crashes might sound unlikely because they don’t happen every day. Nonetheless, they’re possible and you could lose all your money if you aren’t smart with it. Since we mentioned real estate – investing in apartments and offices is great, but real estate investments are slow to bring you returns – they’re a long-term instrument.

To balance between short-term and long-term ROI, while minimizing risk, you should invest in a mix of industries and assets.

I’m searching for a new place to allocate some of my free funds. I read about P2P lending – what is that?
We have a very informative article about the history and mechanism of P2P lending. Depending on the platform you use, the setting could vary a bit, but in iuvo’s case, P2P lending means connecting loan originators with investors through a web platform. An originator equals a non-banking credit company that offers loans to end customers or small businesses.
With instruments like iuvo, loan originators get the chance to receive external financing and thus be more flexible in offering their services. They publish a portion of each loan they give out to borrowers, and investors can “buy out” a percentage, in exchange for receiving the interest with each down payment.

P2P lending is a good diversification instrument, because it’s easy to use and it brings stable returns, while being relatively low-risk. Loan originators are obliged to publish details about each borrower, like their age, monthly income, risk rating, etc.; along with information about the loan interest and payment plan. This allows investors to make informed decisions. At the same time, most platforms offer a Buy-back guarantee, which ensures that in case of loan default, you will get your initial investment amount back in up to 61 days.

Investing in P2P loans is also a great alternative to traditional savings instruments. It’s as secure as putting your money towards a bank deposit, however it brings you decent returns, along with high liquidity. Unlike deposits, you don’t need a big initial amount of free funds, and you don’t have to wait for years until something happens. You can exit or enter new investments all the time, choosing new loans from the platform, and leveraging your earnings as you go. Depending on the risk you can stomach, you could reach an average of 8% ROI through iuvo or even up to 15% if you’re brave.

At iuvo, we pride ourselves in being one the most progressive P2P platforms in continental Europe. We based our operations in Estonia, as this is currently one of the few countries that has a regulatory framework for P2P lending. All companies we partner with go through a complex compliance procedure, so that we can ensure our users’ funds’ safety. Our originators are obliged to retain 30% of the sum of every listed credit, mitigating the risk for investors.

We welcome both newbie and experienced investors to give iuvo a try. You can start with as little as 10 EUR, and our amazing customer service colleagues will guide you through if you need help. Register today!

Why P2P Lending is better than a Bank Deposit


Have you ever put your money in a bank deposit? If you’ve already tried that, you might have noticed that this kind of investment is no longer profitable, at least in most countries. If you haven’t, then it might be something you’re considering. That’s why we decided to prepare this short evaluation and help with your decision.

Not too long ago, bank deposits (a.k.a. term deposits) were the safest and most secure way to save money on the side and multiply it. However, in recent years, we’ve seen a huge drop in the interest percentage for these financial products. Rates have gotten so low, that even the small returns you accumulate can get eaten away by inflation. Bank deposits might be a good place to keep your money, but they’re not a profitable, nor scalable investment opportunity.

Bank deposits have been taken by storm and dethroned by more flexible services. The evolving FinTech market offers contemporary non-banking solutions, like crowdfunding, and more specifically, P2P lending. P2P investment platforms use the leverage of technology to minimize their cost and offer the best user experience possible. They can be a profitable opportunity for any investor, regardless of the amount of free funds they have at hand. Let’s compare this investment option to bank deposits and see why it might be a better choice for you.


Higher returns

It’s only natural for this to be the first topic of concern for any investor. After all, you want to put money down and see a stable profit. Unfortunately, bank deposits no longer offer adequate returns. In Europe, annual deposit interest rarely surpasses the 4% mark; with most countries having it under 1%. We’ve observed this trend for a decade now, and there’s no foreseeable change coming in the near future.

P2P lending platforms may offer an average annual return of 8%, depending on the types of loans you decide to invest in. If you dedicate yourself to a long-term strategy, you could accumulate very steady earnings in just a few years – drastically bigger than with bank deposits.


Accessibility and liquidity

Since bank deposits offer very low-interest rates, you should have a substantial amount of money to be profitable. We’re talking in millions here! Otherwise, you’re just keeping money in a bank account, when you can use that money to earn more. This discourages the average person and from investing, even if there are free funds at hand.

With P2P lending, you can start with as little as 10 Euro, experiment with various investment strategies, see what works for you, and then gradually raise the investment amount as you go. Also, you can reinvest your earnings to take advantage of accumulated interest.

Besides a low entry point, P2P platforms offer thousands of loans with varying levels of risk and interest, at any given time. At iuvo, we work very hard to provide high liquidity, so you can easily find a suitable asset that matches your strategy and your comfortable levels of risk.


Controlled risk

The reason people used to opt for bank deposits is that they’re safe. You put your money in the bank, and you wait. Interest accumulates, the deposit period expires, and now you either withdraw or reinvest. You don’t risk losing your money on a whim. However, if the bank goes bankrupt and its guarantee doesn’t cover the full amount of your deposit, you could be at a loss.

Regardless of their high liquidity and high turnover, P2P platforms are also a very safe place for your money. For example, at iuvo, your initial investment amount will never be lost, because of our Buy-back guarantee. We’re able to provide this guarantee because it’s agreed with loan originators that in case of borrower insolvency, they’ll “buy back” what was invested in the loan, and thus – compensate investors. This means you never lose your own money if a loan goes default – you only miss the chance to accumulate profit.



A bank deposit is essentially equal to putting a significant amount of money in one place. You can get only as much profit, as your fixed interest suggests.

With P2P you can experiment and craft a diverse portfolio. For example, you could invest 80% of your free funds in low-risk loans that won’t bring very high returns but will bring stable returns. Meanwhile, you could experiment with investing the other 20% in high-risk loans, where profit is not guaranteed, but: 1. If you do get profit, it will be very high, and 2. Your initial investment is still secure, because of the Buy-back guarantee.



Unlike banks and bank deposits, P2P platforms are constantly striving to upgrade their services, making great leaps of progress in a very short time. You can start with a minimal initial amount and choose between varying proportions of risk and return. At the same time, it’s reassured by the Buy-back guarantee that your initial funds are safe. Worst case scenario, you zero out and get your money back without generating profit. This makes P2P lending suitable for anyone regardless of their comfort zone and their financial situation.

Sounds great? It is. Try it out by registering here!

Investing in P2P loans is picking up pace around the world


In an era of dynamic economic changes and endless investment possibilities, it is difficult to decide how exactly to use your hard earned savings. Put them in a bank and wait for interest to accumulate, purchase real estate or go for the recently trendy Bitcoin opportunity? The options are many, but all of them suffer from an imbalance between the level of risk and the return percentage. Most people are looking for a place where their money will be safe, while still making a hefty profit – a combination of factors that can be found in P2P loan investment platforms.

Benefits of investing in P2P loans

Investing in P2P loans on platforms like Iuvo gives the investor the right set of tools and features, so he can control the level of risk and adjust it based on his preferences, while also presenting а high return of up to 15.2% annually. Increasingly more people from all nationalities and walks of life are discovering P2P lending and turning it into their primary investment method. What makes it suitable for everyone is the small amount needed to start and the directness of the procedure. The investor has complete control over the process and his funds, making every decision by himself and for himself only.

Furthermore, getting started is easy and accessible, with only a few steps that need to be performed. First, you need to open an account, which takes just a few minutes to fill in the necessary information. After that, you need to deposit funds to invest with (it can be as little as 10 Euro), and you`re all set to start. Craft a portfolio of loan investments based on your preferred level of risk and see the profit accumulate in your account statement. Of course, the investment process has many specifics, and there are a number of strategies you can employ. For more information on that topic, you can read here.

Industry Growth

The P2P lending field is experiencing a significant rise in popularity in recent years, with increasingly more people investing their funds in it. Statistics support this upward growth trend, showing that the alternative finance market, of which P2P lending is the largest part, has grown by 92% in 2015. The countries with the fastest growing alternative finance markets in Europe, are Estonia, Finland and the UK, the US and Asia are the markets with the biggest volumes. It appears that China is the most dynamic market in the world with over 4000 providers. Furthermore, according to MarketResearch the opportunity in the global peer-to-peer market will be worth $897.85 Bn by 2024 from $26.16 Bn in 2015. The market is anticipated to rise at a whopping CAGR (Compound Annual Growth Rate) of 48.2% between 2016 and 2024.

The Importance of a Buy-Back Guarantee

Although P2P lending platforms offer the same type of service, each platform differs in terms of the support and conditions it provides. Aside from the excellent return rate, the other significant factors that make this investment opportunity so high are the accurate risk assessment and the feeling of security. To be precise, what makes investing in P2P loans risk adequately is the buyback guarantee.

If a credit defaults the originator buys back the invested amount, and the investor minimizes his losses. This is a primary sign of a reputable P2P lending platform and something that investors should always look for. It is also something that we, at Iuvo, pride ourselves to offer.

Many investors don`t realize the added value and freedom that this guarantee gives them. To begin with, the nature of investing in P2P loans presents a great deal of flexibility. The investor can craft his portfolio by selecting loans from specific score class and adjusting the level of risk. The buy-back guarantee takes this flexibility one step further, by presenting a mechanism that allows the investor to bring the risk to a minimum.

Being able to adequately assess the risk before engaging in the investment, having the security of the buy-back guarantee and being able to invest with only 10 Euro are options that cannot be matched by another investment opportunity. The investor can diversify his loan basket, try out bold new strategies and still feel safe about his funds.

Where it`s all going

Being one of the hardest working P2P lending platforms around, we see a very rapid growth rate in invested funds of over 400% for the past year. This trend and our general observation over the global industry, give us a reason to have high expectations of 2018.

More and more people are looking for opportunities to invest their savings and earn a steady profit in the long-run, something which matches perfectly with the services offered by Iuvo. We expect to see an even more significant increase in the number of P2P investors globally, due to the lack of geographic restrictions. A person from the US can freely use the services of Iuvo and invest in loans that are in Euro, Bulgarian Lev or Romanian Leu.

If you`re still not sure, try it out for yourself with a minimum investment of 10 Euro.

8th March – the International Women’s Day


On this day we celebrate the movement for women’s rights and gender equality. We want to take the chance and recognize the vast influence of women on every sphere of the modern world – family life, economic growth, medical and technological advancement.

Stereotypes and reality

We’re happy to observe stereotypes being busted, or in other words – women participating in activities that were perceived as “men-only” not too long ago. Finance management and investing are only a couple of these “manly” spheres that have recently become popular among ladies. Being the owners and developers of successful P2P investment platform, the topic of women investors is very close and dear to us.

Usually, we don’t like to take sides, but let’s admit it – women are better with money than men. It’s a common misconception that men are better investors, so it would probably surprise you to learn that facts lead to the opposite conclusion. According to 2017 data from financial services giant Fidelity Investments, women are, in fact, superior investors to men. Going through 8 million investment accounts, Fidelity found that ladies get higher returns and save more money than men ( Reuters ). People are puzzled by these findings, but the truth is they make perfect sense. Women are naturally less inclined to take steep risks; they’re oriented towards long-term, secure investment opportunities.

Where is P2P in the whole picture?

Female investors usually opt for lower-risk portfolios; with slower (but steadier) return promises. Offering this kind of security, combined with adequate return rates, it’s no surprise that P2P lending is becoming their option of choice.

P2P lending is getting so popular among women, that the top 100 platforms in China (largest P2P lending market to date) observed a leap of over 10% in the proportion of female investors. This happened in just one year – from 2015 to 2016 – with female users becoming a total of 42.02%. Interestingly enough, even though women were still the smaller group, they invested more than men. Almost 48% of the total investments made through these platforms were female-generated. ( TechNode ).

Women and iuvo

As already mentioned, it seems like the opportunity to easily manage risk and still have a diverse portfolio is making P2P lending the perfect investment gateway for ladies. At iuvo, we’re observing the same trends, and we’re proudly welcoming female investors.

To celebrate today’s occasion, we spoke to three women who have reached success with our product, and are happy to share their experience with the world. Among other things, they told us how and why they chose P2P, mentioned what’s their comfortable level of risk, and shared some useful advice. Here’s what they had to say (for privacy purposes, we included only their first name and their last name initials):

Alexandra Y.: “I’m a ski instructor during the winter and an animator during the summer. I don’t have any previous experience with investing whatsoever. I’ve always been someone who’s not comfortable with taking risks – I prefer careful planning and knowing what to expect. I learned about iuvo and decided to try it out since I had some free funds at hand. I didn’t have a certain goal, nor did I know exactly how profitable it can get. Now that I have invested over 10 000 BGN, I’m expecting annual returns as high as the monthly salary of a qualified white collar specialist. I’d surely recommend P2P lending to female investors. Try it out – it doesn’t take much to start, and it has been a positive experience for me so far. If I can do it, you can do it!

Galya C.: “I work in an international transport company, dealing with import and export from Bulgaria to the EU and vice versa. Before trying iuvo, I had some experience with passive investment methods like bank deposits. I like having the balance between risk and profit, so I find P2P lending a good option. I like that I’m able to personally target the direction of my investment, thus having high returns without taking a high risk. I would definitely recommend iuvo to people who would like to save and invest at the same time – P2P lending makes that possible for you.

Anita D.: “I work in law. I have previous experience with investing, but I hadn’t heard about P2P lending platforms until a friend introduced me to the concept and suggested I tried it. Since I prefer taking measured risks, I thought it might be a good idea. I expect to get higher returns than with traditional investment methods. I think everyone should read and get informed about different investment opportunities – there are so many creative solutions nowadays!


To all women – we hope you’ll find yourself in these stories. Don’t be afraid to experiment and try new things! Finance management and investing are definitely not “man zones” anymore – right now they’re accessible to everyone, thanks to solutions like P2P lending.  Try it out!

P2P lending as a long-term investment opportunity


Most people dream of achieving financial independence at an early age and spending the rest of their time enjoying life. But to do that one needs a solid plan of how to reinvest his hard-earned savings and make the most of them.

Achieving Financial Independence and Retiring Early

You can find many materials and instructions across the internet on how to retire at an early age provided by both finance industry professionals and regular people who want to share their experience. Of course, there are also many scams that promise unrealistic returns, and you should avoid them.

All investment opportunities for achieving your financial goals have a common theme – they are related to some form of investments such as stock, shares, indices, pension and mutual funds, buying property, government securities and other similar instruments. There is also the option of waiting for the return on your bank savings, which will most likely take forever. In most cases, these methods are a zero-sum game, where your gains are equal to the losses of someone else. Also, there are situations where you are left with the amount which you had in the beginning or less. Naturally, each opportunity has its merits and should be considered, but none presents a combination of the two most demanded elements when it comes to investment – high return and low risk.

Furthermore, in recent years there has been a trend of lowering interest rates, set by the central banks in the US and the EU. It affects all levels of the economy and limits the profit that you can make on interest, especially on bank deposits, which in some cases might even yield negative profitability.

There is a conclusion that can be drawn here – in order to retire at an early age and even become a millionaire; there comes a time when your money should do the work for you. Not merely sitting in a safe place, but actively accumulating a steady return.

P2P Lending as a Long-term Investment Alternative

A new investment opportunity has emerged among the turbulence of recent economic conditions, one that addresses the limitations of other methods while yielding steadier and higher returns – investing in p2p lending platforms. It is a service that enables people to invest in consumer loans and profit by receiving a percentage of each loan.

This type of investment provides a drastically higher annual return when compared to bank deposits or even trading stock, but it also allows you to better hedge the risk by crafting a loan portfolio according to your risk preferences. Even when keeping the risk at a minimum, the return is still high and steady.

But the real beauty of investing in consumer loans through platforms like Iuvo is the long-term return. The key to being profitable in the long term is the compound interest which enables investors to utilize their capital most efficiently and get the highest returns.

Here`s an illustrative example where you will be able to relate personally.

If you start now it is realistic to say that in 30 years you can be a millionaire, the key is to be consistent and stick to the plan – invest 5 000 Euro each year for 30 years and reinvest the earnings from each year.

Let`s go through the numbers in more detail. The typical return on a p2p investment platform ranges from 7% to 15%, so if you invest 5 000 Euro each year, with an average yield of 8% and keep reinvesting your earnings, in 28 years, you will have over 500 000 Euro in your account.

Admittedly, such a thing might seem impossible or grandiose now, but remember that this is a long-term methodical investment, with a steady return rate and a specific plan behind it. By sticking to the plan and maintaining the same level of risk (by investing in loans of particular score class) you can achieve a total return of 8%. When coupled with the reinvesting of your previous earnings it will help you be financially independent at a much younger age than if you relied on other investment methods, or simply regular pension funds. The key here is that you have control over your money and can make them do all the work for you. You can do all the compound interest calculations yourself and see how the profit adds up by using this calculator.

Of course, this is a quick and shortened explanation of the mechanism, and many other aspects and practices should be considered when investing in p2p lending platforms. You can read more about them here.

However, we should emphasize again that to be most efficient you should always reinvest any available funds in your account. Otherwise, you`re losing money that could be making a profit.

What conclusion can you draw from this all

In order to be able to retire at 50, or at least be able to have enough savings to feel financially secure, one must act with a clear plan in mind and stick to it. There are no other investment opportunities that present the same great balance of high return and low risk as investing in p2p lending does. Furthermore, you can adjust the level of risk and micromanage your portfolio for optimum efficiency, but there is also an auto-invest feature that can handle all of that.

If you`re still not sure, then give it a try by investing a small amount for a shorter period of time, (a month or a year) and if things go well, dedicate yourself to the long-term strategy that will help you retire early.

Why investing in p2p lending is right for you


P2P lending might sound confusing or unreliable to someone who is not familiar with the concept or hasn`t tried it personally. In reality, it is a reliable long-term investment method that will make you feel grateful for giving it a go. The purpose of this article is to examine the factors that turn p2p lending into such a great investment opportunity and see exactly who can benefit most from it. Perhaps it will turn out to be the thing you`ve been looking for all along.

Iuvo as your p2p lending partner

At iuvo, we continuously aim to present our customers with the best investment options and provide the optimum return on it. You can think of us as a trusted partner who always finds the best way to gain profits on free capital and expand your horizons. This is achieved by making the platform as efficient as possible, but also by negotiating the best terms with our partnering originators and extending our portfolio of investment opportunities. Just recently we included the option to invest in Romanian Lei thanks to our partnership with a new originator – iCredit.

Better Opportunity than Most Investment Options

P2P lending presents a new take on long-term investment and addresses many of the limitations that other such opportunities have. Current existing investment opportunities such as banks offer almost non-existent returns, whereas other risky and highly volatile options such as Forex trading give you very little control and virtually no predictability. With p2p lending however you can be sure in the slow, but steady return on your initial investment, while also being ensured that your money is safe by the buy-back guarantee. There is no need to try and decipher complicated charts or follow economic fluctuations. Plainly put, it is the kind of investment your future self would be thankful for. The returns offered on the iuvo platform go above the average for most platforms, reaching up to 15.22% annually.

Another significant aspect of p2p lending is predictability. Depending on how much you`re willing to invest and the type of loans you choose, you can calculate the expected annual return with close to perfect accuracy. Furthermore, with P2P lending you can easily adjust the level of risk based on your preferences. If you are more risk averse you can invest in A and B rated loans which yield a smaller but safer return. But as we`ve mentioned before, the buy-back guarantee protects your funds and turns the investment into D, E or HR rated loans more preferable and lucrative.

Simple Automated Investment Process

The platform enables you to adjust every step of the process and handcraft your investment portfolio as you deem fit or simply use the auto invest feature. We recommend the auto invest feature to all of our users, regardless of whether they`re just getting started or if they`re seasoned investors. You merely need to input your preferences, and the system does the rest, following your instructions and investing in the type of loans you`ve selected. The most significant benefit is that it saves time and once you make the adjustments it does all the work by itself. You can modify the auto invest preferences anytime you like.

Long-Term Flexible Investment

One of the best aspects of investing in peer-to-peer lending is the low threshold of entry which enables you to start investing with a minimal amount of money. You can start with the minimum, which is just 10 BGN or 5 EUR and decide for yourself if it`s the right thing for you. Another vital aspect to take into consideration is portfolio diversification. The ability to handpick the loans you invest in enables you to diversify the risk and see what combinations work best. This is just one of the aspects that make p2p lending very flexible. Although it`s a long-term investment opportunity, it`s all about the small steps that make up the whole process. Regular investments with small amounts per loan and a diversified portfolio is the approach that is most likely to yield best results over time. P2P also presents a great deal of flexibility due to the short-term nature of the loans. It enables the investor to adjust his strategy quickly if he sees that something is not going as planned.

Who should invest in p2p lending?

P2P lending is suitable for who is looking for a safe and lucrative method to capitalize on his savings, all that is needed is patience and motivation. In our experience, the profile of the investor who is most inclined to be successful in the long run is usually a male, in his 30s’ with a general interest in finance, investment or technology. But even if you don`t fall into that category, all you need is motivation and a mindset for profit.


If you approach investing in p2p lending with preparation and patience, you can expect stable returns that are hard to match by other investment opportunities. Remember that it`s all about the long-term.

How to choose your p2p platform


Over the last few years, shared funding is referred to as “the next big thing in financial services”. But what the data points to – is no longer just a matter of discussion. The first players in the market have grown rapidly, some are already profitable, and the number of newcomers that are trying to enter the market is increasing on a daily basis. In this article, you will find answers to the most frequently asked questions when choosing a p2p platform to invest in.


1. In what type of loans should you invest?

An important factor influencing your investment decisions is the level of risk you are willing to take. When choosing a platform, pay attention to the type of loans that are offered and whether the platform offers a guarantee.

Secured loans, such as property or auto loans, are relatively more reliable investments than consumer loans and other unsecured loans. We attribute this to personal motivation when the debt is repaid due to the pledge when it is released.

Providing a guarantee on the platform is a good sign of it. Such platforms have carefully selected their originators, if they have them, or have placed investor security among their most important goals.

We at IUVO offer you the ideal balance – all the loans on the platform are backed by a buyback warranty, and the attractive yield now reaches 15.22% on an annual basis.


2. What are levels the return on investment you are seeking?

The planned return is another important factor related to the risk of an investment. The low level of competition among non-bank originators in underdeveloped markets gives more power to small players to determine the market trend, to charge higher borrower rates and respectively to offer higher returns on their investments.

Indeed, p2p platforms in underdeveloped markets can provide more attractive returns to investors. Peer2peer financing is not the only industry in which such a thing is observed. Whether you are financing a small business in France, consumer credit in Spain, factoring in England or a mortgage loan in Estonia, the return you will get from an investment in the p2p platform is many times greater.

Since the start of the platform in August 2016, We’ve increased earnings several times. We have achieved this by automating investment and growing number of the originators. Thanks to Automatic Investing, we continue to reduce the lost profits of free funds in the account. The platform already has loans with yields of up to 15% annually, up from 12% originally.

From August 2016 we are stepping up in several Eastern European markets. Our long-term goal is to cover as much of the market as possible, as well as to add originators from the same countries.


3. How secure is the p2p platform?

From a product standpoint, it’s literally about your money, so you have to keep track of safety and compliance. For example, if opening an account, depositing funds and making an investment takes no more than 15 minutes without prior identity verification, be very careful and think before investing your money in a similar type of p2p platform.

In IUVO, investing on the platform without identity verification is impossible. We follow stringent EU regulations, such as anti-money laundering (AML) procedures, which require this information to be a customer statement. They are part of the KYC (know your customer) regulation under which we work as a financial service.

The transparency and simplicity of the site itself deserve your attention as well. Confused interface, uncertainty about simple details, complex layout, lack of intuitiveness – these features are rarely seen in a well-developed platform. The real challenge for the platforms is finding the perfect combination to ensure a seamless user experience, a high level of safety and a secure use of services.

Part of our team is engaged in the continuous maintenance of security. All data in the platform is transmitted via an encrypted SSL certificate.

From the middle of May 2017. We became part of FinanceEstonia on the “Crowdfunding” section. Each member company in this niche strictly adheres to “best practices for shared funding.” At the core of the practices is the “Observe or Explain” principle. According to him, every platform in FinanceEstonia is committed to “complying” with the prescribed practices and “explaining” publicly if it deviates from them.

Developing and implementing improvements to the platform are provoked by our drive to get closer to the most instinctive solutions. The positive assessment of our investors for the new look of our site is a good indicator that we increase the confidence of our users on a daily basis.


4. Does the p2p platform offer the new model of financing?

Peer-to-peer companies are part of the fin-tech revolution – business models based on new technologies that, thanks, to the more flexible management and missing regulations, have managed to offer more favorable offers than traditional financial institutions. Shared finance platforms are designed to provoke traditional banking by increasing access to finance. They offer better deals for investors, at the same time they are faster and more efficient by excluding dishonest intermediaries. Of course, the best p2p platforms realize this and put it into practice.

We at IUVO take care of the safety of our investors and, at the same time, offer attractive returns on their investments. All the credits on the platform have a buyback warranty through which the originators guarantee that they will repay the outstanding principal if the borrower stops servicing his loan. The risk for investors on the platform is actually zero.

Investing with us is free of charge, we accept investors from all over the world and we do not have a minimum deposit amount. Sign up and make your money work for you right now.

Companies are welcome to invest with iuvo


Following the first quarter of 2017 and the demonstrated optimism and increased company investments, we would like to explain to you how company investors can invest and take advantage of the iuvo platform.

To ensure a secure portal where you can invest and realize high returns, we strictly comply with all EU anti-money laundering guidelines. That is why, from the launch of the platform, we use the “Know Your Client” (KYC) principle, which we apply on a daily basis. The “Know Your Client” policy is widespread and applied by credit institutions worldwide. It covers the development and implementation of customer approval policies, transaction monitoring, risk management, and more.

The principle is a cornerstone in the fight against money laundering, as well as a standard practice for identifying clients. The volume and type of required documentation depend on the kind of person (citizen, company, etc.) and the type of products used by the customer. Legal entities considering iuvo registration should be aware that they will go through Good Practices to “Know Your Client” with us.

At iuvo, we accept registrations from individuals over the age of 18 and from legal entities with valid bank accounts within the EU (or third countries following EU AML / CFT systems). To register on the platform as a legal entity, companies must provide:

– Identity card or Passport of representative,

– Company registration document or Certificate of good standing. Every company that registers with iuvo must be legally established, i.e., shall be recorded in a relevant trade, business or another equivalent register according to national circumstances,

– Articles of association (contract) – aims to establish the ownership, management, and control of the company,

– Information about actual owners (UBO) – information about shareholders and partners that directly or indirectly hold more than 25 percent of the shares or directly or indirectly have control over the legal entity.

Each of our users can get comprehensive information on all matters related to documents and identification by contacting us at [email protected] or by phone at +359 2 493 0108.

A known method for financing a company is to purchase real assets to replace old or to reduce working time/production. This type of investment, however, has its specifications and requires a strong knowledge of capital assets. Your sources of information must be reliable and profitable, as well as you need a know how to buy and sell. When investing in shares, the investor carries market, currency and liquidity risks, risk related to the obligated person, as well as a settlement risk (the final transfer of funds to the current accounts of the participants in the payment process).

The best scenario for investors is one in which the risk is low, and the returns are high. What distinguishes iuvo from alternative investment opportunities is that you can generate annual returns of up to 15% with risk kept to the minimum thanks to the 100% buy-back guarantee. Buy-back guarantee means that if a credit in which you’ve invested defaults, the investment amount will be refunded to you in full.

To start investing at iuvo, it is not necessary to have a personal financial adviser. Thanks to our Automatic investment, your investments will be managed quickly and easily.

The automatic investment ensures that you reinvest your free funds, thereby significantly boosting returns. Users remain solely responsible for tracking revenue earned on their account, but there is no need for additional training courses or knowledge to use the auto investment. It is intuitive enough, and you will be able to create your portfolio easily.

Unlike traditional methods of investing, the Peer-to-Peer platforms are entirely online. It is one of the reasons why this type of platforms offers such high returns. Joining iuvo as an investor is easy, and the necessary verification documents are only identification document (ID card) and contact address.
The primary objective of iuvo is to provide the best results for our investors. Our statistics show that more than EUR 1.5 million has been invested in our primary market since the launch of the platform in August 2016 and our investors have generated returns of up to 15% on an annual basis. Still, have doubts? Register your company on the platform and start securing your future now!

What do loan originators gain through iuvo?


Our investors at iuvo purchase parts of loans, issued by registered non-banking financial institutions. In return, they get up to 15% annual return – much higher than interest levels on bank deposits.

All funds invested through iuvo are secured with buy-back guarantee by the originator.* It means that the investments in each loan that is more than 60 days delinquent will be repaid 100% to the investor.

When you look at it this way, the investment in iuvo sounds like the perfect deal. Each investor must be asking himself: am I missing something? Why a financial institution would share its return with me and would cover the losses from my bad investments?

Where’s the catch?

There’s no catch, only pure math.

Imagine that you run a non-banking financial institution – you’ve covered all criteria of your national bank, you have the required capital, the necessary processes, and expert personnel and you are registered as a non-banking financial institution. Now you’re in the lending market, and you’ve gained the trust of clients that were deemed too risky for the banks. Your risk assessment is right; people are happy with your service – they take loans and pay on time – your business is growing.

At one point the demand for your loans is higher than the money you have at hand. Unlike banks, who can always attract more deposits to fund their lending, non-banking financial institutions can only use their funds. It means that to finance their business, they have to count on the money of their owners (equity) or debt funding (through banks, institutional investors or physical persons).

It is where iuvo comes into the equation. By investing through the platform, our investors inject “fresh money” into the lending business of the originators. In return, they get part of the return from this loan.

The interest that the originator is ready to pay for this financing is higher than returns from bank deposits. And still, it is more attractive than the interest (and all other fees, collaterals, covenants, etc.) that they would have to pay if they finance themselves through a bank loan or issuing of bonds to the public.

It is why the loan originators have the incentive to keep clear and positive relations with the investors on the platform, including covering the risks of bad loans because in this way they maintain their source of funding which helps them to develop their business further.

Everybody wins

It’s a win/win situation for both sides that iuvo connects. This the reason why the peer-to-peer model of financing is so successful throughout Central and Western Europe and is gaining momentum in the Eastern part of the continent as well.

Register now and start generating up to 15% annual return on investment today!

How p2p investing compares to other investment methods


After the wake of the financial crisis in 2008, the term “investment” gets more and more relevant for the regular citizen of the world. We see the incapability of governments and big financial institutions to properly handle economic turbulence, which is inevitable in a free market global economy.

Every one of us is seeking a different way to generate more profit and to assure their financial independence. It becomes one of our primary goals, and we are desperately searching to find the best possible way to achieve it. Meanwhile, the financial market has existed for 500 years and is a global phenomenon that offers different types of financial instruments – currencies, indices, stocks, futures, real estate, bank deposits, you name it. All of them have their pros and cons, represent an attractive investment opportunity.

In the recent years, we have a new player in town – peer-to-peer investing. And this newcomer is pretty impressive as an underdog.  Peer-2-peer was the answers to the questions of many investors after the meltdown in 2008. It was a new way to invest your funds, yielding more returns than most of the other traditional investing opportunities. Furthermore, investing in p2p platforms has shown to be less risky for the investors. Let’s see why p2p investment platforms have such a competitive edge over everything else on the market.

P2P investing vs. Forex

Everybody knows that FX is the beast in the financial market world. It is the most dynamic market, providing the greatest liquidity possible. Nevertheless, all those benefits are making it the most volatile. And we know that volatility means significant risk. You can be on top of your game one moment and the next you are in the dead zone of the margin call. You lost everything. It is a typical picture. On the other hand, you have p2p investment platforms offering a high return on investment with percentages going up to 15% and the opportunity to secure your net investment with 100% buyback guarantee. It means that every single one of the credits listed on the primary market is ensured with this guarantee.  The risk of losing your investment is near zero. It is something that no FX broker can guarantee you.

On the other hand, you have p2p investment platforms offering a high return on investment with percentages going up to 15% and the opportunity to secure your net investment with 100% buyback guarantee. It means that every single one of the credits listed on the primary market is secured with this guarantee.  The risk of losing your investment is near zero. It is something that no FX broker can guarantee you.

P2P investing vs. Stocks Trading

Investing in the stock market is also one of the best-known methods to get a return and make a fortune. Every one of us is dreaming of being the Wolf of Wall Street or Gordon Gecko. Nevertheless, the stock market is one of the most complicated and volatile markets in the world. You have to be very skillful with the fundamental and technical analysis to get the best out of it. Also, you have to be more than familiar with the financial statement of every company you invest in and to be prepared to ride the speculators’ wave, always searching for any underwater reefs. It is a daily hassle, 24 hours, five days a week.

Peer-to-peer platforms offer you a way more relaxed “working day” if we can put it that way. With the auto-invest function on the platform you can set up your preferred strategy, allowing the software behind the platform to keep all your funds invested in the loans you think will generate the most profitability and the only thing you have to do is to check your return on investment from time to time. Now you have the freedom to enjoy your life of a successful investor.

P2P investing vs. Real Еstate

From the dawn of time, the real estate market is a place that everybody wants to be in.  To lead the glamorous life a real estate mogul, just like President Trump, you know. But before you go into your dream trip in penthouse apartments in Central Park, New York, let me just stop you right there. Investing in real estate has one tedious little setback. And this is the size and liquidity of the market; you will always be constrained by the demand and supply side of the market. One day the market may not have enough buyers, and you may be stuck with an investment that you do not need, or the market may be short on the seller, and you will not be able to invest your funds and generate profit.

The situation in the p2p world is different. You have the necessary liquidity you need. The loan originators are listing hundreds of loans every day, so the supply side of the market is no brainer.  On the other hand, you always have the opportunity to sell you investment on the secondary market and get your return right away, without any time delay.

P2P investing vs. Bank Deposits

Putting your savings into a bank institution and waiting patiently for your annual return is one of the most popular and well-known methods to invest your free capital. Unfortunately, banks these days cannot answer to the demand from the customer for high returns, and that is causing significant discomfort for the regular person, who seeks to have a stable income over the years. Peer-to-peer investment platforms are addressing this painful problem right at the heart of it. Investing in p2p gives you the opportunity to generate up to 15% return yearly, which is a significant improvement over the standard profits from deposits.

All of the above is showing that our underdog has many advantages over the standard investment methods and this is no surprise. In the recent years, the p2p industry is showing tremendous growth with 3-digit growth rates and the trend is far from over. The financial revolution is here, and the only thing you have to do is join in.

The history of peer-to-peer lending platforms


Peer-to-peer lending is a decentralized form of lending. There are two major business models on which P2P platforms work:

1. People (lenders, investors) give out loans to other people (borrowers)
2. Companies (originators) grant loans to their users (borrowers) in which other users (investors) can invest,

The first way of lending is also known as social lending. Although it has been a popular way of funding since the sixteenth century (people who have money to give money to people who need money), its real boom begins with the development of technology and the opportunities they provide at the beginning of the 21st century. One of the significant advantages of this model is its accessibility – virtually everyone can borrow from anyone who is willing to allocate funds.

The first platform that develops P2P lending and is the pioneer in the field is Zopa. It is a British platform and operates only for citizens of the UK by directly linking lenders with borrowers. At present, more than 2 billion pounds of loans have been made available through Zopa that have generated returns for their lenders and helped borrowers to realize their personal goals and desires.

A year later, in 2006, two of the most prominent P2P lending platforms – Lending Club and Prosper – appeared in the US. Gradually, the number of platforms is growing, both in the US and in Europe and China. Today there are hundreds of platforms that lend millions worth of loans.

In spite of the current boom, in the beginning, P2P lending is seen as something niche and specific, a service created for a small number of people reluctant to trust something that is entirely online and no one has ever heard of before.

With Leman Brothers bankruptcy in 2008, however, things are rapidly changing. Confidence in financial institutions falls sharply, investments are both uncertain and unattractive, and obtaining credit is far more difficult. Peer-to-peer lending naturally rises as an alternative to the current financial status quo.

Since 2008, peer-to-peer lending platforms have been developing at an extraordinary pace. The convenience and speed they offer are highly appreciated by borrowers as well as by investors. The lack of an intermediary allows this type of platforms to work efficiently with meager fees and the saved money return in the form of profits for investors and excellent conditions for borrowers.

The business model where platforms rely on loan originators is also hugely successful. When loans are lent by experienced and sound financial institutions, it gives investors a sense of calm that borrowers have gone through the processes and pre-approval checks that each lending company uses and develops.

On the other hand, this model allows loan originators who offer their credit on platforms to further develop their business using the resources they receive. These are relationships where everyone wins, and so more and more lenders are joining P2P lending platforms.

Different originators offer different types of loans, allowing investors to diversify their portfolio, as well as providing a wide choice of risk and return. Many of the originators also offer a buyback guarantee – buying back bad credit in which it is invested, and so the satisfaction of investors remains guaranteed.

It is important to note that in this industry, as in any other, there are some shocks. The TrustBuddy P2P platform announced bankruptcy in 2015, and the Lending Club had to cope with an extremely severe crisis when it turned out they had allowed themselves to manipulate the borrowers’ credit rating system in order to allocate more credits.

Despite these and a few cases of fraud in China, P2P lending marks phenomenal growth, and there are no plans to stop short. The increasing number of platforms gives more opportunities and, from an investors point of view, is an entirely positive trend. The popularity that they have made them transformed them from something unknown and niche into the most adequate and affordable solution for generating high returns over the last decade.

Start earning up to 12% with iuvo today!

The big goal – financial independence


Is it possible to work for your money for the first half of your life and your money to work for you for the second half?

Sound financial literacy is crucial, not only for balanced finances in the present but for future stability that carries peace and perspectives with it.

It starts with learning basic concepts and rules which you can build upon on your way to the right money management and the big goal – financial independence.

Save money regularly

It seems obvious, but many do not follow that rule. You undoubtedly know people who manage to waste all they earn. However, if you’d like to invest and generate a return, you must learn to save money.

The instability of financial markets and economic turbulence that we witnessed in the past few decades made lots of people stop trusting the financial system and investments in particular.

Despite that, the truth is simple: if you want your money to work for you, firstly you have to have money. If you want to have money, saving must become a habit or a philosophy regardless of your earnings amount.

Make your money work for you

The intuitive decision on what to do with your savings is simple: save them in a bank account. The rational decision, however, is completely different. The annual profit that can be generated with these deposits is meager – about 1% (in some cases the banks offer even negative interest rates). The deflation observed in Bulgaria and Europe for the past years indicates there’s a possibility for interest rates to drop even more.

Then how can money work for you while remaining deposited in bank accounts? The answer is simple – they don’t.

For your money to work for you, you must generate return or if we have to word it differently – you must not just save them but also invest them.

Investments are not territory reserved for a few chosen ones, financial experts or gurus. Making investments is for anyone who is willing to improve their financial culture and ready to use the benefits it can bring.

This is how your balance would look if you saved and invested 150 Bulgarian Levs each month with 7% annual return for 10 years:

Plan your future

Think of your investments as a long path that you need to walk, however; you need to make the first step. Do not forget where you are going and what your final goal is: financial stability and independence. Often remind yourself this when you lose motivation, or your discipline weakens.

This exemplary table illustrates the potential that controls money well. If you start with 5 000 EUR and add 5 000 EUR each year, with a stable interest rate, the final results would look something like this:

Annually invested funds Annual return Funds after 10 years Funds after 20 years Funds after 40 years
5000 EUR 4% 69 832.98 EUR 165 801.62 EUR 518 137.78 EUR
5000 EUR 7% 83 753.75 EUR 238 674.31 EUR 1 142 920.14 EUR
5000 EUR 10% 100 624.55 EUR 348 650.00 EUR 2660 555.33 EUR


At first sight, the difference in the annual return seems minor. However, its reflection on long-term results is quite significant. If you start investing at the age of 35 with 5000 EUR yearly investment and a return of 7% annually, when you retire in 30 years (why not even earlier) you could easily have 543 426.48 EUR. Even if you withdraw yearly 4% of them while the rest of them continue generating a return, you would be able to add more than 20 000 EUR to the remainder of your earnings or pension.

If you manage your money correctly in the first half of your life, you can easily double your earnings in the second half of your life. Of course, there’s nothing secure and everything is possible. Investing is not a race, but rather a marathon that brings a reward worth the efforts. Start making your P2P investments with iuvo now!

3 myths about P2P investments


Myths guide us in every aspect of life and investments are not an exception. Check out the three P2P investment myths that may have restrained you from making your first investments or may have prevented you from obtaining the maximum return that this kind of investment provides.

Myth N°1

You have to start with a large sum

This deception can make any novice investor quit before he has even started investing. It disturbs plenty of investors that do not have to be millionaires in order to start investing their funds adequately and to obtain their return.

One of the great advantages of P2P platforms is exactly this – anyone can invest in them with a sum of their choice (the minimum investment threshold is defined individually by the platform)

In order to start investing in a single loan or a part of it at iuvo, you will need exactly 10 Bulgarian Levs or 10 Euros. This allows you to begin with smaller sums while familiarizing with the platform until you feel confident and calm enough when you are working with us and generating your return.

Myth N°2

These are investments that require specific knowledge and skills and you won’t be able to handle them

There’s nothing new or complex in the business model of peer-to-peer platforms. They connect investors with borrowers who look for funding. Iuvo works with originators, non-banking financial institutions with long-standing experience, which list on the platform the loans they have lent. Investors can view details of every loan and invest in it, if they want to.

These platforms are part of the fintech revolution, which completely altered the shape of financial services in the past few years and made them more accessible and flexible. That’s why investing in iuvo does not require any previous experience or a specific skillset. Of course, if you can obtain the maximum from the invested funds you will have to study the basics. You can read advice from top experts in the field here.

Myth N°3

P2P investments are strongly insecure

Every P2P platform is different and utilizes different mechanisms to guarantee stability and predictability for its investors.

One of the methods that iuvo uses is the buyback guarantee that we have for all of our loans. It guarantees that the principal amount invested in each loan that has been delayed over sixty days will be refunded.

Besides the buyback guarantee, originators keep a part of each loan for themselves that has been listed on the platform (i.e. the loan is not funded a hundred percent by the investors). That guarantees their engagement anytime throughout the entire process while the loan is being paid out.

P2P platforms are becoming a more popular and accessible method to make your money work for you. Depending on the risk profile, you may use them as alternative to a bank deposit while investing in low-risk loans with small but stable return, or to generate high annual return while building your portfolio with appropriate loans. Start investing today!

The funds invested via the platform are not deposits and therefore they are neither protected by the law, nor their return is guaranteed. The platform’s activity is not legislatively regulated by laws concerning investment brokers.

FinTech – hybrid between technology and financial services


A new financial-technological industry grows globally, and it’s called FinTech. FinTech is a hybrid form of finance and technology, and its emergence is predefined by the altered user requirements towards how they would like to perform various banking activities, such as paying, managing their funds and insurance. What is hidden between the lines of FinTech’s meaning? It’s a segment of the dynamic financial technologies, which are focused on proposing innovative products and services, traditionally perceived as a trademark of the authoritative financial institutions. According to The Pulse of Fintech, Q1 2016, research conducted by KPMG and CBinsights, the FinTech industry has doubled the size of its funding up to 12.2 billion dollars, whereas last year its funding calculated to 5.6 billion.

The research also states that due to the high levels of funding, the industry is developing at a higher pace. However, the new technologically-orientated industry carries an invocation for a change, not only towards the method banks manage their business, but also towards the remaining sectors, such as insurance and asset management. According to the research, FinTech will directly compete with up to 28% of the banks and their payment transactions business as well as with up to 22% of the asset management and insurance companies.

FinTech changes banks and the traditional methods of banking. With its arrival, Fintech initially focused on the traditional banking services. There are fully digitized banks and opening a bank account doesn’t require walking into their offices anymore, and everything is present online. Moreover, some of these banks offer interest rates on deposits much higher than the traditional financial institutions, at times reaching up to 4%, whereas interest rates nowadays are incredibly small. With the creation of unique platforms for lending from peer to another peer, e.g., peer-to-peer lending, clients and firms have started receiving and giving loans to each other.

These platforms turned towards different sources of information and lending models, as well as towards robust risk-evaluating systems to minimize their risk exposure. Also, P2P platforms are powerful instruments extremely oriented towards the specific needs of every user. They work at extremely low operating costs and that allows them to drop the price of loans. Both, borrowers, who have received loans with convenient terms, and lender-investors, who have received higher return rate are satisfied. An additional convenience is an easy and comprehensive process that does not require physical presence and queueing at the bank offices to fill and submit documents, saving valuable time to clients and users, which is a time waste. According to BI Intelligence’s data, last year P2P lending platforms in the US have listed loans that amount to 6.6 billion, which marks an annual increase of 128%.

FinTech changed the methods of money transferring. In regards to fund transfers, people are looking for two main components – instant and secure transfers and lower rates. The new FinTech industry provides exactly that, and at the moment it is picking its first fruits. Money transfers to and from abroad have never been easier and cheaper, and it all happens with a few touches on a smartphone.

Currently, the second wave of Fintech evolution within the financial industry is being observed, and it is being directed at the insurance companies and the asset management sector. Approximately 74% of the insurance companies are worried that FinTech will cause an imbalance in their industry within the next five years. According to BI Intelligence, 51% of the asset management organizations have expressed the same opinion. The good news is that deploying enough information for the tendencies and development of the financial industry, companies within the sector can respond adequately. Instead of being indifferent, leaders in various financial areas can join and utilize the new trends. One of the options is to cooperate with the already existing FinTech companies or to create new ones, which respond to the new customer needs.

How shared funding changes the world


We live in a world where we share everything. We share automobiles, offices, flats, and as of recently capital. The crowdfunding concept is not entirely new, although it has developed massively during the past years. Practically, for the first case of crowdfunding can be pinpointed the historical moment Paris donated the Liberty Statue to New York, but without foundation to place it on it. The citizens of New York decided to take actions, and after the newspapers published advertisements for collecting money, they build a foundation where to place the symbol of freedom. The advantage of such capital-generating practices goes beyond the transparent money collection. By accessing new investors, the popularity of products and services increases and that’s how the project gets evaluated by the users real-time.

What is shared funding/crowdfunding? Crowdfunding is the method of financing a project or initiative by collecting relatively small amounts of funds from large groups of people. Nowadays this is achieved by specialized internet platforms, but it can be attained by employing other untraditional methods, for example, by organizing special events or even e-mails. There are two main types of crowdfunding. The primary one is based on ‘award for funding,’ where users fund the specific initiative, and in return, they receive specific products or services (this method is employed by popular platforms like Kickstarter).

The other method is funding and receiving a part of the capital in return (shares). The crowdfunding industry is quite new in Europe. Even though we are using contemporary terms like “crowdfunding” and “shared investments,” they still do not hold a clear and definitive meaning, as well as a legislative regulation. Despite that, the industry of alternative funding is developing at a breakneck pace.

Thanks to this industry, plenty of good ideas receive publicity and access to more significant capitals when necessary. The success of a project that is being evaluated by the public depends predominantly on how much its creator believes in his or her idea. It also depends to what extent it is inclined to stand up in front of the major audience and stand for its views while overcoming its many difficulties and answer the criticism.

Being placed in the middle of a tremendous competition, only the excellent products and ideas that are presented well to investors and with complete concept on future development are the ones that succeed. The crowd itself can distinguish accurately the right projects that will reach peaks.

The audience also has a strong sense for self-regulation by swiftly uncovering and punishing ‘fraudsters’ and ‘unfair’ ones among them. Crowdfunding gives funders access to plenty of different ideas, including new opportunities from the developing markets. Any entrepreneur will try to convince people with capital that his or her idea is the best and that it holds great potential. Entrepreneurs are aware that if they would like to their project to succeed, they must be good at convincing.

Peer-to-peer is the most popular type of crowdfunding. How did it come to life? After the culmination of the financial crisis in 2008, borrowers began looking out for access to loans with lower interest rates. On the other hand, lenders were looking for a higher return rate of their investments.

Meanwhile, due to the strict regulations, banks faced significant difficulties to meet the increasing demands of the market. Thiconducted a substantial vacuum for lending that P2P platforms managed to fulfill.

On the one hand, this allowed for borrowers to obtain cheaper loans. On the contrary, it provided an opportunity for funders to earn more for their capital. These platforms work as a mediator for both ends where on one side are lenders or investors, and on the other are the borrowers or the people looking for funding for their projects or goals. The P2P lending industry marked a vast increase, particularly in developed countries with advanced financial markets. These platforms have lent 6.6 billion loans with an increase of 128% in the USA alone for the past year.

It makes the USA the largest market in the world regarding its volume. The trend of developing alternative online funding did not miss Europe. According to latest market researches, the undoubtable leader of the lending volume is the United Kingdom, followed by France, Germany, Switzerland, and Netherlands.

What are the risks in p2p investing


Almost every investment is associated with some level of risk. As an investor, it is essential for you to take it into account so your investment decisions can be most informed once. We believe that what each investor should focus on is the risk-to-profit ratio. Find out the risks you are taking by investing in a p2p investing platform:
Default of the loan you invested in

As an investor, you earn when the part of a loan you buy is paid off. If the borrower ceases to pay his/hers installments, the credit defaults. At iuvo, we reduce the risk for your investment to a minimum with our buy-back guarantee. A buy-back guarantee is a contract between you and the loan originator, who is obliged to buy back your initial investment in a loan that didn’t receive installment for 60 days. Nevertheless, the risk of loan default still exists, and you need to take into account because when the buy-back guarantee is activated, you will not receive a return. This event may affect your investment strategy.
Poorly diversified portfolio

The best way to minimize the risk of losing is to diversify your portfolio. It means allocating a small amount of money among many credits instead of investing one larger amount into a small number of credits. By investing small amounts in a large number of credits, you guarantee that even some of them will deflate, this will not seriously affect your total investment and its return.
Bankruptcy of the P2P platform

Although unlikely, it is still possible. Platforms that have no originators but lend themselves develop their backup plans in the event of bankruptcy. As iuvo works with originators – well-established non-bank financial institutions, the invested funds are distributed in separate bank accounts, and each purchase agreement to buy a part of a loan is concluded between the investor and the respective originator and is not influenced by the platform.
Regulatory changes

P2P investing is a relatively new industry and as such is not yet regulated harmoniously. Potential interference could bring changes in the way platforms work in different countries and in the return they offer, but there are currently no indications that this could happen soon.

The annual return that iuvo offers can reach up to 12%, and you can start earning money as soon as you’ve deposited funds into your account and created your portfolio!

P2P lending – high return and controlled risk


Where to invest our money? It is a frequently asked question in times of low-interest rates on deposits, high fees of a large part of the mutual funds and also low liquidity on the Bulgarian Stock Exchange.

P2P lending is one answer to this question – an online platform that offers to you the opportunity to invest with a sum of your choice, free of charge for all registered investors and high returns at a controlled risk.

Iuvo is a peer-to-peer lending market that meets investors looking for high returns with creditors from the non-banking financial sector (originators). In iuvo, you will be able to invest in different types of credits from various loan originators and countries. You will also be able to determine the portfolio yourself, the desired return and risk levels. Peer-to-peer investment is a service that has been running for years on the European financial market.

You should bear in mind that all creditors, also called loan originators, are duly registered non-bank financial institutions operating in the EU. They undergo a thorough analysis of their portfolio and processes to offer reliable and diverse loans to our investors. Iuvo platform is registered in Estonia, which is known as one of the most advanced European markets in this type of investment and a high level of use of Internet technologies. The platform does not offer loans, but an investment service – each of us has the opportunity to invest in the loans provided by the non-bank financial institutions with which the platform operates.

Iuvo can invest both physical and legal entities. The only requirements for this are: Individuals must be over 18 years old, have a valid bank account on their behalf within the EU and their identity is confirmed by iuvo. Legal entities must also have a valid bank account on their behalf within the EU. Their data and source of funds will also be audited by iuvo, by the abovementioned regulations on money laundering and terrorist financing (AML / CFT).

What is peer-to-peer lending and why it’s so attractive


The alternative financing is becoming more and more popular on the global financial stage. At the same time, it is gating significant traction in Europe as well. Alternative financing may have many forms, but the most popular and with the most prominent stake is the peer-to-peer lending.

What is peer-to-peer lending?

Peer-to-peer lending is the practice to borrow funds through an online platform, which connect you directly with individual lenders or investors as many platforms refer to their lenders. The companies offering such loans are operation entirely online, with lower operational costs in comparison with traditional financial institutions. It allows borrows to have more flexible interest on their loans and allows the investors to have more attractive returns.

On the other hand, the p2p lending companies get for being an intermediary between borrowers and lenders a percentage of every funded loan through the platform. It’s their primary job. The most of those loans are not secure with collaterals and are issued to fund business operations.

The lenders determine the interest on the issued loans in many cases on reverse auctions basis or biding for the lowest interest offered. Another way to fund the credits is with fixed interest, based on the individual credit rating of the borrower. Some platforms to mitigate the risk of “bad loans” offer to their lenders to decide whether to fund a particular borrower or nor to do it.

How was peer-to-peer lending born?

After the financial crises of 2008 many borrowers started to seek access to loans with lower interest rates and more flexible conditions. On the other hand, investors began to look for a better return on their investments. The banks were in tough economic conditions and were unable to answer the demands of the customers. It created a severe gap in the lending industry., which was filled by the p2p lending platforms. Those platforms have the advantage of a minor regulatory frame, allowing them to be more flexible than their bigger rivals from the traditional lending industry. In the recent years, the peer-to-peer lending industry has gained significant traction and growth in the well-developed countries with active financial markets.

In the US though peer-to-peer lending platforms were funded more than 6,6 Billion Dollars in loans or a growth of 128% in the past year. The country is the biggest market in volume, according to research conducted by BIntelligence. In regards to an individual loan issued UK is surpassing the US, with 78%. Many researchers believe the Europe is the next market that will have a significant growth surge.

Alternative finance markets in Europe has reached nearly 3 Billion EUR in 2014, which is 144% yearly growth, according to Business Insider. In France, for example, the relevantly small p2p lending market has grown by 4000% in the past year, to 8.2 million euros. The peer-to-peer lending is getting traction in Germany, Sweden, and Netherlands.

What is the process in peer-to-peer lending?

The customer applies for a loan on the website of the selected platform. The platform determines his/hers “credit rating” and its solvency. If approved, the platform sett ups the conditions, including the interest rate. The platform presents the borrower’s profile to potential investors whose requirements are covered by the borrower. An investor or group of investors agree to provide all or part of the amount requested by the borrower. A third party, a partner bank, effectively issues the actual amount and supplied to the borrower, which removes the legal obstacles associated with mandatory provisioning requirements.

Investors give the platform funds to buy it from the bank. The borrower pays to the platform the due amounts, which are returned to the investors respectively. It should be clear that P2P lending platforms are only intermediaries in linking the interests of creditors and borrowers. They do not carry any risk associated with bad credit and thus manage to maintain low operating costs and therefore provide more favorable interest rates.

Where the ‘smart money’ goes


Ivaylo Ivanov, Operations Director at iuvo, sat with ‘Manager’ magazine and talked ‘smart money,’ iuvo and the future of peer-to-peer investments.

Mr. Ivanov, what kind of financial technology stands behind iuvo?

Iuvo is a platform for online shared investments (peer-to-peer) that allows users to buy loan parts lent by registered non-banking financial institutions (loan originators). We give our investors the opportunity to realize a high return, whereas our originators get the chance to use the benefits of the P2P model to further develop their business.

After a long cultivation of the business model and technical development of iuvo, we launched the project in July 2016. Just four months after its official start we managed to attract over 650 users from two continents and more than 600 thousand EUR investments.

P2P is part of the global trend of sharing economy, which created the online platform business model of companies like Kickstarter, Uber, and Airbnb. They connect people who have resources that are in demand (money, automobiles, homes, etc.) with people who need it.

The global economy that is in a cycle of excessive liquidity and low-interest rates on bank deposits contributed to forcing ‘smart money’ to look for alternative forms of investment that bring high return – iuvo offers exactly this.

What educational background and preliminary preparation are necessary to use the platform?

Iuvo works in an extremely simplified way. Users buy parts of loans and get returns corresponding with the investment size and interest rate of the relevant loan. Payments are being made according to the loan’s repayment schedule. If the loan is delayed over 60 days, the originator will buy back the investments and will refund 100% of the sum to the user. All loan details are indicated on the platform. Iuvo is a tool for contemporary people who want to improve their financial culture and let their money work for them.

What kind of return can be earned and what does the net profit depend on?

It depends on the individual portfolio of bought loans at iuvo. Currently, the annual interest on loans with different class grades on the market is between 5 and 12%, whereas a balanced portfolio may generate our users an annual return of 7-10%. The first investment principle and our primary advice for our users is to allocate their funds between a maximum number of various positions, to diversify their portfolio as much as possible and to ensure their return.

Is crowdfunding expected to boom in 2017 or is the average Bulgarian going to remain precautious toward the alternative financial tools?

The business of crowdfunding platforms in Europe grew by three-digit percentages for the past 5 years, and there was no way for Bulgaria to remain isolated. However, our focus is not only on the Bulgarian and Estonian markets. We have planned a launch in 10 European markets for 2017, as well as adding at least 5 new originators to ensure a wider diversity of loans. In the long run, we would like to turn iuvo into one of the top five leading peer-to-peer platforms for investments in Europe.


Source: ‘Manager’ magazine (December 2016)


Around the world with iuvo: LendIT & DevReach


In November 2018 iuvo participated in two of the top leading conferences for FinTech in Europe – LendIT and DevReach.

LendIT FinTech Europe – The most successful FinTech conference on the Old Continent.

On November 19th, we sent Ivaylo, Vladimira, and Daniela with a direct flight to London to represent iuvo at LendIT FinTech Europe – one of the most interesting conferences in FinTech world.
The event was attended by leading FinTech companies, and by some of the most passionate FinTech lovers, who want to get firsthand information about the new trends in the sector. Some of the discussed topics were about the global regulation of cryptocurrencies, the future of open banking, the influence of the biometric data on the FinTech industry, and so on.

Iuvo team was part of LendIT FinTech Europe for the second time in a row. During the two days of the event we had the opportunity to meet FinTech professionals, and to talk about our experience. We also discussed partnership possibilities, and we received a valuable feedback on the platform.

The premier of our socially responsible campaign “The value of money” also took place there. It was positively greeted, judging by the feedback we received, saying that the 1 iuvo coin is one of the most useful and interesting gifts at the event. We can learn more about the campaign from here.

DevReach – One of the leading conferences for software specialists in Central and Eastern Europe

On the 10th Annual international DevReach conference, which took place on the 13th and 14th of November in Sofia, we presented the conception of iuvo in an understandable way, but by means of taste! If you are wondering if it’s possible, the answer is: “Yes, it is!”.

Each of the guests on our stand had the opportunity to get a taste of the pleasure of making yield with iuvo. Literally. We recreated the three levels of investment with the help of ice cream. Low-risk investments had the taste of sour cream, “up to 10%” interest had the taste of Zabaione ice cream, and the spiciest 15% interest tasted like chocolate chili. People liked our idea. Proof for that is not only the amount of eaten ice cream, but the new investments on the platform as well.


We always desire to be in touch with the newest in the world of innovations and Fintech. These events are truly important for us also because of the opportunity to meet in person our investors, professionals from the industry and all people who want to learn more about P2P investing. This is one of the best ways to get a direct feedback about iuvo as well as ideas and valuable advice on how to improve the platform.

FinTech and Investing


There is no way you have not heard of FinTech! This is one of those modern words, which people often use these days. However, FinTech is more than just a modern word. It is a whole industry of the New Era, which main purpose is to remove bureaucracy and to address the inflexibility of the traditional finance management.

How did we get here?
The Dot-com revolution and the smartphone era give us the possibility to be online all the time and to be able to do everything from our devices. It is not surprising that having all of that will make people get irritated of the slow model of the standard banking. We are talking about the new generation Y – the millennials. They just want every service to be accessible on the tip of their fingers.

Necessity makes people creative – this is exactly what happened this time as well. FinTech is the product of technology progress and pragmatism. It made the bank sector better by introducing online banking and wireless payments. They provided the business with a completely different way of gaining external capital (financing) – crowdfunding. FinTech changed the perception for money with the creation of the blockchain technologies and cryptocurrencies. The FinTech industry completely changed the models of investing in the last 10 years by introducing digital investing instruments.

The traditional methods of investing became accessible
Before the era of commercial Internet, the investing depended on intermediaries. People had to use the services of agents and brokerage houses, in order to be able to invest in the financial markets. Nowadays “the agent” is just an easy to use web application. It allows you to see how the price change without depending on someone else. The assets for trading did not change, and they still influenced by the same factors. The opened niche is now filled by the FinTech industry.

The innovation is here

FinTech not only get the people close to the financial markets but it also aims at new horizons. A great example for that is crowdfunding and more specifically P2P investing.
The P2P platforms are the bridge that connects the Non-bank financial institutions and the investors. The Creditors, a.k.a. Originators, can list part of every loan they offer in order to finance themselves for new loans. In return the investors gain profit from the interest, as well as the received fee payments (if any).

Why P2P can be your main instrument
Smart decisions are simple in nature – so simple that a person could say “How have I not thought of that before?”. This is P2P’s charm and the reason for it to become such a preferred method for investing. Millions of users worldwide choose to invest in it instead of the traditional possibilities (such as real estate and Stock Markets).

The P2P investments are a great way to make extra income out of your savings. They will not bring you huge profit in a few days, because it is a long-term instrument. Instead of that you will be able to easily predict the expected level of risk, as well as stable yield, while the credits you have invested in go through their payment cycle. The best is that P2P investing does not require a big amount of funds to start, unlike other long-term instruments such as bank deposits and real estate. With iuvo you can even start with 10 EUR, so you can get used to the platform, and when you have more available funds, you can always invest more.

Are you ready to start? Here you can find some material that will make it easier to start:
P2P as a long-term investment
Why is P2P better than a bank deposit

If you want to learn more – take a look at our blog! You can find a lot articles with useful information, as we continue to post more.

We made investing safe. Register in iuvo today!

Viva Credit lists mortgage credits


One of our most preferred originators Viva Credit is listed on our platform with its mortgage credits. This increases the investment possibilities with us!

Viva Credit mortgage credits are secured, which makes them even more attractive for investing. There is a diverse profile of credits where the duration is from 12 up to 60 months. The average amount of a mortgage credit for 2018 is 15 000 BGN. Investments are available both in BGN and EUR.

The new option is that you can check a photo gallery of each customer, which is available to look inside credit details. This will help you to choose an investment according your own preferences.

Alike all the credits in iuvo, the mortgage will also be secured with a Buy-back guarantee. This option ensures your investment in case a credit that you’ve invested stops being paid. The Buy-back guarantee is an indicator for the security of your investment. On this matter we also want to inform you that our 30-days Buy-back guarantee promotion is also available for the mortgage credits from A and B classes for Viva Credit.

Enjoy investing with iuvo!

Fast Finance Romania is our new originator


Our family in iuvo is growing! We strive to give you – our investors, the best P2P market opportunities. This is why we enlarge our range of originators by listing the Romanian credit company Fast Finance to our portfolio. Fast Finance is a Non-Banking Financial Institution that is operating under the supervision of the National Bank of Romania.

The NBFI are an integral part of the Romanian market and this is obviously organically connected to the Romanian economy, which continues to grow dynamically in recent years. The company is established in 2013 and until December 2017 has over EUR 10,000,000 cumulated values of 3 years of granted loans. Today Fast Finance sell consumer credits, business loans and mortgages. Investments are open in euro, repayment period is 6-36 months and all the credits will be secured by 60 days Buy-back guarantee. Expectations are our investors to have an average interest rate of 8% and up to 15% on a credit. Like always, the originator will hold minimum 30% of each loan.

We welcome Fast Finance and embrace the new opportunities which they will bring!

The Georgian BBG is iuvo’s new originator


The Georgian Business Bank Group will join iuvo’s family in July. Featuring BBG, the group of originators in iuvo is growing and the opportunities for investment in the platform are increasing too.

BBG is a credit company with а headquarters based in Japan, operating in the market of auto credits and leasing. BBG offers unique cross border short (auto credit) and long (auto leasing) term loans to customers from Japan, Georgia and Cyprus to purchase high-quality, affordable cars from Japan, USA or local dealers. “We are committed to be recognized for our ability to insert balance in each of our service. This can be achieved by learning our clients’ goal, following investment strategy, creating and promoting self-developing work environment where each employee is motivated and contributes to the company’s growth, and by always addressing the need of the community in which we operate.”, company says.

With the accession of BBG p2p lending opportunities are extending to a new level. Auto credits investments have a repayment period from 3 to 36 months. Usually the company operates with short term and dynamic loans. All of BBG lending come with up to 60 days buy-back guarantee. BBG offers lending in euro as the minimum 30% of each credit will be owned by the originator.

Iuvo is now 2 years old!


Three originators, 5000 investors, and 20 million EUR later

Much like excited parents celebrating their child’s growth, today we enthusiastically mark iuvo’s second birthday. During our second year, we became a licensed credit intermediary in Estonia: one of the most progressive and well-regulated P2P lending markets. We also added a third originator to the platform – iCredit Romania, thus allowing our users to open accounts in Romanian leu. Striving to cater to more markets, we started providing customer support in German.

Upon scaling our service offering, in 2018 we doubled our investors’ count to over 5000, we listed and funded 4 times more loans, and we increased the turnover on the market more than 5 times, reaching over 20 million EUR.

Results aside, we spoke to our CEO Ivaylo Ivanov to learn his thoughts on the P2P landscape of today, and his plans for iuvo’s development in the future.

Mr. Ivanov, now that you’ve monitored iuvo’s usage and popularity for two years, do you think investors are more open to FinTech solutions and P2P lending?
Definitely the segment is growing. Especially in the field of mobile wallets and payment transactions. Investments in the form of crowdfunding are also getting traction with P2P lending being the main driver. It’s responsible for over 60% of the accumulated growth. We’re seeing very positive signs in Germany, UK, Spain, the Nordics and the Baltics. The people we talk to are aware of the P2P business model and are including it in their savings mix.

Which do you think is the most engaged group of investors in terms of age, income, etc?
We’re attractive to people aged 25 to 60 years, who are aware of the importance of saving and investing, and are open to new technologies. Comparing us to their bank, they like the customer experience we offer and they love the interest rates they get with us.

Are investors already choosing iuvo over other instruments, or P2P lending is just a complementary tool in their overall strategy?
We’ve seen different cases. We talk to people that don’t want to deal with banks ever again. We also have investors that want to diversify their passive income sources – they have bank deposits, they invest in P2P, they sometimes have real estate or participate in investment funds. No matter how you feel about the investment options out there, the key is diversification.

How do people usually learn about iuvo? Do you observe a growing amount of referrals, do people recommend the platform to their friends?
We’re spreading the word about us through different channels. We use online advertising to help people find us, but we try to create a much more personal relationship afterwards. All new investors have been contacted by our team and guided through the process. We also take part in different events and invite our clients to come meet us in person. Recently we started hosting webinars where viewers can interact with us to give and receive feedback. We understand that when we’re talking about money, we need to earn your trust and I believe we are doing it step by step.

What advice would you give to newbie P2P investors?
I have two:
1) Diversify – always and forever
2) Let us guide you through the process. Iuvo has been our team’s life since we launched it and we’re the best people to tell you how to make the most of it.

Where is iuvo heading next – are you planning to expand to new markets, or start working with new originators in the next year?
We’re always looking to diversify the offerings on the market. We are going to add new international lenders with new loan products very soon. Of course, we won’t stop developing our traditional services – investments in new currencies and service in new languages are on the way. We’re also developing some exciting features on the platform that aim to make the user experience simpler and better.

Last but not least, we will focus on paying special attention to our loyal investors that believed in us and stuck to our service. We are preparing some offers specially for them.

What is your prognosis for iuvo’s growth by its third birthday?
If we’re able to keep the current trends of growth, we will be very happy with our work. Iuvo is one of the fastest growing P2P marketplaces in Europe and this speaks for itself.

Iuvo wouldn’t be a successful product if it weren’t for the great people behind it. Are you planning to expand the team in the next year?
We are expanding our team constantly. We grew 2 times in terms of staff in the past year and this will continue over the next one. Customer experience is key for us and this is where we will concentrate most of our resources. So expect a friendly call from us to ask you how you feel as part of iuvo!

30-day Buy-back Guarantee promo offer- Continues!


30-days Buy-back guarantee promotion is extended by 31.10.2018.
We aim to offer you more and that’s why we decided to extend the 30-days Buy-back guarantee up until 31.10.2018! Promotion is available for all A and B credit classes of our originators Easy Credit, Viva Credit and iCredit.

All of us in iuvo’s team are always striving to make our investment service even better. We have the pleasure to announce you that a new promo offer campaign started on 05/21/2018. It will lower the activation period of the Buy-back guarantee for A and B credit classes from 60 to 30 days.

The promo applies to loans in BGN, EUR, and RON for the originators EasyCredit, Viva Credit, and iCredit Romania.

Please, bear in mind that all credits on the platform have a 100% Buy-back guarantee.

Why is this important?

The A and B class credits on iuvo’s market have a steady profit of 5-7% on an annual basis. Investing in them with a 30-day Buy-back guarantee will help you to double down the period in which your funds could eventually be locked in a bad loan.

This will help you increase your profit in the long term because it will accelerate the turnover of your funds and you will be able to reinvest them in new credits. The 30-day Buy-back guarantee also helps you to get out of an investment faster, which will increase your liquidity.

How to choose 30-day buy-back guarantee credits?

You can filter out the credits from the “Days Buyback guarantee” filter by choosing the option “30”. The filter is already available on the Primary Market and is going to be available as an option for the Auto-Investing soon. For now, if you use an Auto-Investing portfolio that contains A and B credit classes, it will randomly select between credits with 30 and 60 days buy-back guarantee.

Just login to your account and check the availability of the loans on the Primary market right away.

Work with us as Business Support Expert


We are looking for Business Support Expert with German language.

The Business Support Expert uses email, chat, and telephone, in order to respond to inquiries about our platform, assists clients in navigating our website and initiates calls to resolve user issues. The expert is responsible for the client account verification process.


∙ Provides telephone, chat and email support to customers;
∙ Organizes, investigates and resolves issues in a timely and efficient manner;
∙ Works through data processing and validation issues with the support team;
∙ Provides best practices in how to use the platform to clients as needed;
∙ Provides quick, on-the-spot tutorials to clients as required;
∙ Answers direct client calls;
∙ Informs users about new features, promotions, products on the platform, etc.
∙ Interfaces with other departments to ensure platform maintenance and troubleshooting;
∙ Adheres to established procedures of documenting support cases;
∙ Maintains and updates internal reports;
∙ Actively participates and contributes to internal processes improvements.


∙ Fluency in German – both written and spoken;
∙ 1+ year in customer service;
∙ A professional, helpful and friendly attitude;
∙ Ability to listen, teach and elicit information effectively;
∙ Ability to work independently with a minimum direction and control;
∙ Service orientation with a genuine interest in addressing customer needs;
∙ Proficient in Microsoft Office.


∙ Ongoing training and development programs;
∙ Competitive starting remuneration.

To apply, please send your CV or link to your LinkedIn profile to [email protected] and include “Business Support Expert with German” in the subject field. We look forward to hearing from you!

Iuvo with award from Forbes Business Awards 2017


We are delighted, to announce that we were awarded the third place in the “Best Starting Business” category on the Forbes Business Awards 2017. For the second consecutive year we are among the finalists in the category and deservedly took our place in the top three.

Our CEO, Ivaylo Ivanov, was the one who received the award, thanked all investors, originators, team members who are continually working on the support and development of the platform. Furthermore, Ivaylo Ivanov shared with the public, about the great happiness and enthusiasm with which we are developing our company and reminded all entrepreneurs not to forget to have fun while they are starting and growing their businesses.

The Forbes Business Awards was held for the 7th consecutive year. It aims to promote entrepreneurial spirit and sound business practices. The jury had the difficult task of assessing the applications of dozens of the best companies in Bulgaria, divided into eight categories.

We proudly can say that we would be able to achieve those high results with you – our investors, who were supporting us from the very begging of the company and you continue to trust us every day. This award marks one fantastic year with many successful events and milestones for the company. We were able to forge a partnership with our third originator – iCredit enables us to diversify our loan portfolio on the platform further. Iuvo became part of the public-private cluster Finance Estonia and was licensed as a credit intermediary form EFSA (Estonian Financial Supervision Authority). We are delighted to receive this recognition from Forbes, which will be the begging of many more awards and success moments.

In the end, we would like to share with you one saying, that the success can be only the appreciated when shared with others. We believe that together we will continue to build a sustainable investment service to help more people make their own financial decisions and give them the opportunity to reach their financial independence.

Thank you!

forbes 2017 team selfie

iCredit – our third originator on the platform


We are delighted to announce that iCredit Romania will join our platform as a third originator. With the other two originators, iCredit will allow us to diversify further our loan portfolio adding more lucidity on the platform and giving more investment opportunities for our clients.

The total loan portfolio iCredit is estimated to be around 18M EUR. The company has loans between 400 – 6000 RON (85 -1300 EUR) from its main products – consumer loans, staff loans and pension loans. The maturity of the loans is between 3 and 15 months depending on the product. iCredit is obliged to retain 30% of the sum of every listed credit, mitigating the risk for investors. All loans are coming with 100% buy-back guarantee. Investors will be able to invest in credits in Euro and Romanian Leu. The average return on the iCredit portfolio is 12%, the maximum return investors can expect is 14,88%.

iCredit is operational since 2011 in Romania, and three years later it starts to operate in Poland as well. As to 2017, the number of offices in Romania and Poland exceeds 130 in more than 105 cities, and the employees of the company are around 1700. iCredit is a leading employer in the financial sector in Romania.

The success of the companies lies in its core principle to offer financial independence to all its customers.

Register now and take a look the listed portfolio of iCredit and start investing.

Refer-a-friend program vol.2


We have the pleasure to announce that we will be restarting our Refer-a-friend program as of 05.10 2017. If you are an investor with iuvo and you refer a friend to join our platform both of you get a bonus of 30 EUR in your accounts.

Three easy steps to join the program!

Step 1. Register and make a deposit, if you have not already done so.
You can participate in the Refer-a-Friend Program if you have an account and investments of at least 1000 EUR.

Step 2. Fill in the Forms to let us know the friends you want to refer.
The Referred party (your friend) must Register and invest at least 1000 EUR.

Step3. Check your iuvo account for the bonus.
The bonus of 30 EUR (depending on the currency of your last deposit) will be added to your (and your friend’s) accounts within two working days.

Furthermore, if within two months after registration your referred friend increases the invested amount to 2500 EUR or more, both of you will receive an additional bonus of 60 EUR. The bonus will be automatically added to your iuvo accounts.

Full Terms and Conditions of the Program can be found here!

Iuvo is regulated credit intermediary in Estonia


We are proud to announce that iuvo has been granted a credit intermediary license by the Estonian Financial Supervision Authority (FSA). The license will allow us to make the next steps in our development — not only to give investors the opportunity to invest but to allow borrowers to get loans directly from the p2p lending platform.

The FSA is regulating the financial sector in Estonia — banks, insurance companies, investment and credit intermediaries, pension funds, etc. The decision to grant a credit license to the company was based on our great due diligence with legal requirements in Estonia.

“We are delighted and proud with the given trust from the Estonian regulator. It validates our business model once more and allows us to continue our development in new directions. The license will give us the opportunity to add more services in our portfolio. The next step is to be able to issue loans directly to borrowers or in partnership with our originators. Now, the options for iuvo are limitless.”, said Ivaylo Ivanov CEO of iuvo.

Since August 2016, more than 2000 investors from 57 countries gave their trust to the platform and invested more than 4M EUR with an annual return up to 15%.

It is not without a reason why we decided to register iuvo in Estonia — a country with one of the most advanced and developed p2p lending markets. In the past years, Estonia is recognized as one of the countries with high penetration of internet technologies. All the above makes Estonia a state with one of the best regulatory practices in the p2p lending market. All companies comply with the best practices in the industry and the rules that guarantee the clients accurate information when investing.

More than 3M EUR invested through iuvo in one year


Last month the p2p lending platform iuvo had its first anniversary. We I launched in 2016, and for that short period, we were able to secure more than 3 000 000 EUR in investments and 1800 investors. One of the main achievements of the past year was that the company was able to offer to all its investors up to 15% annual returns, which makes the platform one of the top choices in the p2p lending industry.

At the present moment, we are working with two of the top originators in Bulgaria (Easy Credit and Viva Credit). We expect new originators to list their loans on the platform by the end of 2017. Iuvo is partnering with some of the most innovative and successful companies in Europe. That is a great recognition of the potential of the p2p lending industry.

“We are witnessing an impressive growth in the past year, in which we were able to educate the market and the customers that p2p lending is a secure and profitable, alternative financial instrument. I believe that we can present what is the future of the financial sector and how the new business model of p2p lending can work and bring benefit to all”, comments Ivaylo Ivanov, CEO of the company.

In the past year, Ivanov took part of many financial events and forums. He also gave interviews for a couple of economic televisions in Bulgaria. In June iuvo became part of Finance Estonia, where many fin-tech companies, banks, and other p2p platforms are also participating.

“Our future goal is to become one of the most innovative and thriving p2p lending platforms in Europe and to gain the trust of more and more investors and originators. In September I will be participating in one of the most relevant industry forums in Athens, where many important issues will be discussed”, comments Ivanov.

Iuvo becomes part of FinanceEstonia


FWe are pleased to announce that we are the newest member of FinanceEstonia after the organization decided to make us part of the group. In FinanceEstonia participate fin-tech companies, banks, p2p platforms.

FinanceEstonia is an organization working in the public and private finance sector to support the Estonian economy. It actively supports the internationalization of the financial sector, the innovations, capital increase, etc.

FinanceEstonia aims to raise awareness of the benefits of the financial sector in Estonia in two main areas: capital markets and the export of services. It actively works in six other priority niches: financial markets, crowdfunding, credit providers, financial technology, investment services and international private banking.

Iuvo became a member of FinanceEstonia on the “Crowdfunding” section. Each member company in this niche strictly adheres to “Best Practices for Shared Financing.” At the core of the practices is the “Observe or Explain” principle. According to him, every platform in FinanceEstonia is committed to “Observe” the prescribed practices and to “Explain” publicly if it deviates from them.
Best Practices for Shared Finance are summarized in Eleven Core Points that we observe and apply as a member of FinanceEstonia.

1. Investors’ Funds – Each platform, without exception, is required to keep the funds of investors separately from other assets and to provide timely information to investors on each investor.

2. Data Protection – The collection of personal data must be following all legal requirements. The platform should provide complete information on these processes to all users on its website.

3. Compliance with Measures to Prevent Money Laundering and the Application of International Standards and Rules – The Platform applies appropriate steps to identify its users and prevent money laundering.

4. Quality of Information and Communication – The Supplier undertakes to provide correct and unambiguous information to all its users. Otherwise, it is obliged to return the funds to the investors.

5. Risk warnings – The platform must provide its users with full information about all possible risks in a public place so that each investor depends on his / her economic situation and consult with the relevant specialist before deciding to invest.

6. Consumer protection and advertising – When offering its services, the platform must comply with the relevant legal acts, invite its users to familiarize themselves with the general conditions, the messages are correct and true, etc.

7. Avoiding Conflicts of Interest – The Provider is required to treat all of its users equally, to identify potential conflicts of interest and to provide sufficient information on its site for their resolution and prevention.

8. Sustainable development – The platform is required to develop emergency plans. For example, a Priority Communication Plan that would help with a technical, legal, or financial risk to the platform. The goal is to prevent an adverse impact on the platform and its users.

9. Accountability – Within two calendar months after the end of each calendar year, the provider is required to provide a review of economic performance on its website.

10. Dispute Resolution – The Provider provides on its website an annual overview of the complaints lodged against it, the measures were taken and the results of its examination.

11. Joining and Matching Best Practices – If a platform joins “Best Practices,” FinanceEstonia issues a certificate that it can use on its website and in its marketing materials. Finance Estonia verifies compliance with the practices and issues a new certificate every year.

FinanceEstonia is an international organization and for our entire team membership is a recognition of a well-done job. With satisfaction, we will continue to follow good practices in shared funding and set ourselves ever higher goals.
Iuvo is now alongside members like Deloitte Advisory AS. The company unites companies from around the world to provide quality services in financial consulting, risk management, taxes, and more. Deloitte Clients are mainly businesses in the fields of banking, insurance, manufacturing, infrastructure, energy, real estate, services, wholesale and retail, as well as the public sector.

Another member of the “Crowdfunding” section is Ernst & Young Baltic AS, the world leader in insurance, tax and advisory services. With a team of over 167,000 people, Ernst & Young Baltic’s goal is to inspire and give the right guidance to its customers.

In 2016, Platforms such as Bondora, Crowdestate, Estateguru, Fundwise and Investly Holding have also been awarded Best Practices in Shared Finance.

Refer-a-friend program


We, at iuvo, have the pleasure to present to you our Refer-a-friend program. If you are an investor with iuvo and you refer a friend to join our platform both of you get a bonus of 50 BGN / 25 EUR in your accounts.

Three easy steps to join the program!

Step 1. Register and make a deposit, if you have not already done one.
You can participate in the Refer-a-Friend Program if you have an account and investments of at least 100 BGN or 50 EUR.

Step 2. Fill in the Forms to let us know the friends you want to refer.
The Referred party (your friend) must Register, have their account verified and invest at least 100 BGN or 50 EUR.

Step3. Check your iuvo account for the bonus.
The bonus of 50 BGN or 25 EUR (depending on the currency of your last deposit) will be added to your (and your friend’s) accounts within two working days.

Full Terms and Conditions of the Program can be found here!

Thank you for being part of iuvo. In the recent months, we are making huge leaps forward and have been achieving steady growth. Our success would be impossible without you – our investors.

What’s new at iuvo


We at iuvo strive to ensure comfort, security and flawless user experience to all our investors.  This is the main reason why we continuously improve everything connected with iuvo, including our platform.

In March, we introduced a couple of new features, which will make investing and managing your account much easier and intuitive. Let’s dive into some of them in this blog post.

  • Cart – When you select the loans in which you would like to invest in you can add them to a “Cart”. It is a great feature which enables you to manage and add additional loans before your final approval.
  • Loan details pop-up window – On click, every signle loan now opens in a new window on the same page. For more convenience, we also added a quick “Invest” button in the pop-up.

The main goal of the new platform features is to deliver flawless experience and comfort when you use them.

How they work and why they are useful?

  • Cart

The cart is a proven useful feature for the primary market, that can help you manage your investments.

When you choose a loan to invest in and the sum you would like to invest, your selection of loans will go into the “Cart”. You can add loans multiple times and set different investment criteria using variety of filter combinations. All investments will be saved in your “Cart” and sorted by currency. Even if you log out from the platform your investment will continue to be saved in your “Cart” and you will be able invest in them on a later moment.

The “Cart” also gives you the opportunity to manage your investments. You can increase or decrease the investment amount, you can add or remove loans and you can sort them by currency.

A good strategy would be to save in your cart loans in which you are interested as investment opportunities and then periodically check their status to decide if you would like to invest in them. Keep in mind that when you add loans in your investment cart it does not mean that you are reserving the investment amount. Other investors will be able to invest in a loan that you’ve put in your cart.

  • Loan details pop-up window

When you want to check the loan details (Borrower and Collateral, Payment Schedule and Investment Breakdown) by clicking on Loan ID, the details will appear in a pop up window. The option is very useful for investors who prefer to use Filters as the pop up helps in selecting the appropriate credits and in choosing those that best suit investor preferences. Borrower and Collateral, Payment Schedule and Investment Breakdown is information which defines each investor’s strategy and the quick access to it will help you to effectively considerate and compare loans. Moreover, the Invest button within the pop up window will help you to invest quickly and will shorten the required steps on the investor’s end.

  • New indication

To help you in your investor journey we have also added a new indication in the form of a blue dot next to the “Invest” button on our primary and secondary markets. The blue dot indicates that you have invested in this particular loan. The indication helps you identify quickly your investments and you do not need to set additional filters or check “My investments” to find the loans in which you’ve invested. Regular servicing of the loan and good profitability are some of the main reasons to invest again in the same loan. The new indication makes this possible without prior examination of all loans.

The new features at iuvo give you more detailed and quick access to all loans on the platform. They optimize the investing process and create more opportunities for short-term investment planning.

To view the new features and generate a return of up to 15%, register now!

The funds invested via the platform are not deposits and therefore they are neither protected by the law, nor their return is guaranteed. The platform’s activity is not legislatively regulated by laws concerning investment brokers.

New originator in iuvo


We are happy to inform you that Viva Credit, one of the most popular non-banking financial institutions in Bulgaria, has joined iuvo. The company has been operating on the Bulgarian market since 2012.

On the first stage, Viva Credit will list on the platform loans of its portfolio up to the amount of BGN 1,500 and which are not collateralized, and it will subsequently start listing loans secured by mortgages as well. The company will be required to retain at least 30% of the amount of each loan listed on iuvo.

Viva Credit is specialized in small loans, and its speed and convenience provided in applying for and utilization of its products are among the most serious market advantages of the company. Customers may apply for the products online, by telephone or in any of the 60 offices of the company within the country, and they may choose how to utilize their money – online, by bank transfer, in an office or at a cash desk of Easy Pay or Fast Pay, or in any office of the partners of Viva Credit.

Our decision to start working with iuvo is crucial in the history of the company’s development and it happens on the eve of our fifth anniversary as a financial institution in the country. Our plans are to gradually enrich the loan portfolio, which will list on iuvo, starting from small consumer loans to loans for a greater amount secured by a mortgage. We believe that with this innovative step we will be able to contribute to the expansion of our business model, as well as the provision of a variety of products and services to our customers,’ said Desislava Dimitrova, Executive Director of Viva Credit.


Financial data for 2015:

(In EUR thousand)
Net interest income 3 806
Net profit 618
Total assets 3 148
Loans granted to customers 7 587

The full financial statements for 2015 of the company can be found here.

Register now and see the credits of Viva Credit in which you can invest!

Easy Credit – First originator in iuvo


Easy Credit is the biggest fast-lending company in Bulgaria. It was created in 2005 and for more than 10 years it has proved as an indisputable leader in personal lending.
Since its launching the company has allocated more than 1M to 500K users. The company clients are with different social status and origin and use Easy Credit products for various purposes – payment bills, repairs, medical expenses, vacations etc.
A characteristic distinction of the company is the personal approach of the lending. The core of its business is more than 6,000 credit consultants who visit customers where and when convenient, shortening the distance between the company and the people and creating personal and long-lasting relationships.

Part of the company’s financial results for 2015:

Annual turnover 38 860
Profit before tax 4 943
Total assets/em> 37 670
Total assets 30 272
Retained earnings 17 306


The company offers buyback guarantee for each credit listed to the platform and it is obligated to redeem the credits which entered more than 60 days delayed.
Easy Credit, as any other originator on the platform, is required to keep at least 30% of the value of each credit, the so called “skin in the game”. This ensures that the interests of both investors and originators are always the same.

Say ‘hello’ to iuvo


Iuvo is one of the latest peer-to-peer investment platforms in Europe. We are based in Estonia, and we launched in August 2016.

Since we managed to generate investments worth approximately 1 000 000 EUR for six months, we continue to develop while focusing on what we always considered essential for us: strong security and high return on investments.

At iuvo investors will discover an opportunity to diversify their portfolio of loans with an annual return up to 12% provided by the biggest Bulgarian originator – Easy Credit.

At the moment all loans on the platform have buyback guarantee, whereas the whole investment process is extremely simplified with our auto invest tool.

A few new originators are about to be added to the platform and to implement new features that will make the investment process easier and quicker.

Register now, generate a high return and be the first to discover new features on the platform!

A quarter of a million investment in iuvo in less than two months


What have we achieved?

Seven weeks after our official start, we are ready to offer you the first data to show who we are and what the opportunities we provide to our users.

For the short time, we are on the Bulgarian peer-to-peer lending market, we have been able to attract investments totaling more than a quarter million leva. The share of purchases in euro, which are 65% and those in BGN, predominate – 35%. More than 300 investors from four countries have already trusted us and took credit exposures of nearly BGN 2 million, including 617,000 euros.

We expect to offer our current and future customers average returns of up to 12% per year.

We are a peer-to-peer lending platform, where the interests of consumers (investors), seeking high returns and lenders from the non-bank financial sector (so-called ” loan originators”) meet.

In iuvo, you can buy different types of loans from a variety of “originators” and countries. The high level of control we provide allows you to determine the portfolio of credits you buy, the desired return, and the level of risk that suits your preferences.

We strive to maximize the risk control for all our investors through the buyback guarantee we offer. It ensures that the loan originator (the creditor) undertakes to redeem the loan from the investor at par value in case the borrower stops servicing his obligations.

By the end of the year, we plan many new investment opportunities. Get to know the platform and start investing today.


Investing in P2P Lending – Beginner`s Guide Vol. 2


In the previous article, you learned how to choose a P2P lending platform, how to create your account at iuvo, what we require from you to pass due diligence, and how to filter loans in the Primary market. It’s time to dig a little deeper and show you a trick on how to make smart investments, without missing out on excellent loan opportunities.

Auto-Invest feature in iuvo

The Auto-Invest feature is here to save you time and help you take advantage of all loans that match your investment criteria, even when you’re not logged into the platform. It allows you to build your investment portfolio, by enabling you to craft your loan preferences and save them. Once you set up this feature, the platform will browse for all published loans that match your filter and will invest in them on your behalf.

Auto-Invest doesn’t stop you from doing manual operations through iuvo. If anything, it enhances your investment opportunities.

How do I set it up?

The easiest way to set up the Auto-Invest feature is to replicate the work you’ve done when filtering loans on the Primary market. Since you’ve already browsed through different sizes and types of loans, you’ve probably decided which ones you’d rather invest in. You can set up filters like score class, expected returns, the number of outstanding payments, loan status, etc. – everything you consider important.

Be smart when choosing your preferences, because from now on the platform will only select loans that match them, and it will filter out all other loans.

How much should I invest?

To take full advantage of the platform’s benefits, we recommend that you enter a larger amount than the actual funds available in your account. When you do that, the platform will start automatically reinvesting all your returns, subsequently bringing you more earnings from the compound interest.

Can I stop the Auto-Invest feature? How?

There is nothing mandatory at iuvo, and Auto-Invest makes no difference to that rule. You can stop or resume using the feature at any moment. Once you have created a custom portfolio, you can simply hit the “Pause” button, and Iuvo will stop investing in that filter until you resume.

You can save multiple filters and experiment with investing in various types of loans. If you find that one of your portfolios isn’t bringing you good returns, you can press “Cancel” and delete it altogether.

Okay, I see my returns growing! What do I do now?

Undoubtedly, the best part about investing is getting to see your success, and having your Account Statement full of earnings! You have two possible choices about what to do with these funds. The first option is, of course, to reinvest them back into new loans. You can either do that manually or use Auto-Invest – you know the deal by now.

The second option is to withdraw some of your free funds and have them transferred to your bank account.

How do I withdraw?

When it comes to withdrawals, we have separate rules for individuals and companies.

If you’re an individual, you have to pass due diligence at this point, by sending us your ID and address details. You can verify your address by sending us a scan of a suitable document, such as your latest utility bill. Once complete this step, withdrawing is simple – just go to your Dashboard, and click on “Withdraw.”

If you’re a company, you’ve already passed the ID verification step when you registered your account. At this point, you will need to confirm your address.

There are no restrictions on how much you can withdraw at once – the only limit is the amount of available free funds. And by free, we mean funds that aren’t currently invested in loans.

How much does it cost to withdraw, and when will I see the money in my bank account?

Iuvo doesn’t charge you any withdrawal fees, but please note that the bank transfer might cost you a small fee, depending on whether your bank charges for incoming transfers.

Your withdraw request will be processed within two business days, however, with some banks, it might take a little longer than that.


We hope this article will make it easier for you to get around iuvo, and build your investment strategy. If you feel like you need to read more about specific topics, don’t forget to check out our previous blog posts! We’re sure they will set the right foundation for you!

Investing in P2P Lending – Beginner`s Guide Vol. 1


Nowadays more and more people are exploring investment opportunities for their free funds. There are so many options that it all gets too overwhelming and beginners don’t know how and where to start. If you’re considering investing in P2P lending and are wondering how to do it – here is a brief step-by-step guide for you!

Choose a P2P lending platform

Before choosing your P2P lending platform, there are some key factors you should consider. In short, you should look for high returns, liquidity, and a buy-back guarantee. Probably sounds easy but you might be wondering what those things actually mean.

If a platform has a high return rate, that means you can earn a substantial profit – provided you develop a good strategy and are consistent and smart with your moves. Liquidity means that you will be able to invest your funds straight away, without worrying about frequently changing asset prices and possible financial losses. And finally, the buy-back guarantee assures you that the loan originator will repay the invested principal, in the event of loan default.

Iuvo proudly covers all three of these essential factors. The most impressive part is undoubtedly our returns rate, which can get as high as 15,22%! Our loan portfolio is more than €30M up to date, with more than 16 000 loans available for investment.

Open an account and pass due diligence

Opening an account with Iuvo is easy as 1,2,3. Just register and verify your e-mail – your account is created!

If you are an individual, you can start investing straight away. You could pass due diligence at this point if you prefer to. However, it’s not mandatory until you decide to withdraw funds. We’ll address this in Vol. 2 of this guide, so stay tuned!

If you’re a legal entity, however, you’ll need to get verified before you can invest with Iuvo. The required documents are: scanned copy of your passport or both sides of your ID card; certificate of current legal status – translated in English; information for UBO / actual owners– translated in English; and company’s articles of association– translated in English.

You might be wondering – why do I need to pass this step? Since this is an investment platform and we operate with real loans and real money, we need to follow specific verification practices, called KYC and AML. KYC stands for “Know Your Customer,” and AML stands for “Anti-Money Laundering.” These practices help us prevent malicious actions from being done through our platform, such as: identity fraud, credit card details theft, and money laundering.


Deposit your funds

You can deposit in EUR, BGN, and RON. Make sure to do your research and make a final decision, because you can’t change your currency setting later on. Once you have chosen your preferred currency, go to your Dashboard, and click on “Add Funds.” You will see a detailed explanation of every step onward. Note that the general deposit method at Iuvo is via bank transfer – we have accounts in Allianz and Swedbank. Of course, there’s an option for intra-bank transfer, so you don’t need to have an account in either of those banks. For further information on deposits, check our article, called Depositing And Withdrawing Funds.


How do I start investing?

Iuvo has two main investment channels – the Primary market, and the Secondary market. The Primary market is a list of all loans coming from our originators. Before you invest, it’s a good idea to get acquainted with the Primary market specifics and browse through a couple of published loans. This will give you a good idea of what to take into consideration when investing.

First of all, loans have specific attributes that help you decide whether you want to invest in them. These attributes include loan class, borrower demographics, return rate, currency, and of course – repayment plan (how many installments have already been paid, and how many are due).

The loan class is marked with letters (A-E, HR) and shows the level of risk for each particular loan – how likely is the borrower to delay it, or not pay it all. The lowest risk rate is in A class loans. To further try and estimate the risk yourself, you can also check the demographics of each borrower such as age, education, income, etc.

If you want to see only certain kinds of loans, use the provided filters. You can filter by status, for example, and see only current or delayed loans. Another preferred filter is by expected return.

Now that you’re familiar with the Primary market, it’s time to create you auto-investment portfolio. To learn more about the auto-investment feature, how to set it up, get returns and withdraw your funds, stay tuned for the next article!

Loan Score Class and How to Use It


What is the Loan Score Class?

The loan score class is iuvo’s credit risk rating mark. It helps you determine the probability of a particular loan going default. Typically, each originator measures credit risk using its framework. However, for centralization, we had to develop a way to make credits from different originators comparable within iuvo. This is why we implemented the loan risk class – our own rating system.

The credit ratings at iuvo are:
Class A: 0 – 2% default probability
Class B: 2 – 10% default probability
Class C: 10 – 18% default probability
Class D: 18 – 25% default probability
Class E: 25 – 35% default probability
Class HR: above 35% default probability

How does the score class affect my profit?

People have a natural inclination to seek stability and avoid risk. With investments, however, the risk isn’t a bad thing, as long as you’re smart and strategic about it. When investing in a high-risk asset, you should be aware of the possible losses versus the amount of profit you can make.

Taking risks pays off in the long run, or in our language: investing in lower score class loans should ultimately bring you bigger returns. Here’s how it looks:

Class A: 5.03% – 6.31% return
Class B: 6.07% – 7.21% return
Class C: 6.96% – 8.13% return
Class D: 7.87% – 9.05% return
Class E: 10% – 12.34% return
Class HR: 11.87% – 15.22 return

This data is based on loans from December 2017. It can vary slightly between months and periods, however, what’s important is the trend: annual returns grow in reverse proportion to the loan score class. To maintain a healthy risk level in your investment portfolio, always keep in mind both the default probability and the expected return rate, and try to find your perfect balance between the two.

I’m trying to build my own investment strategy. Should I only look at the score class?

It’s never a good idea to follow only one attribute of the assets you’re investing in. When it comes to P2P lending, you can enhance your strategy by monitoring both the loan score class and the borrower`s details.

Once logged in, go to the Primary market, and click on any loan’s ID – this will reveal the loan’s attributes. Check the Borrower and Collateral section. There you can see insightful data about each borrower’s profile. All the information in this section is provided by the loan originator and isn’t edited or altered by iuvo.

The borrower profile includes: sex, age, education, occupation, salary level, and partner’s salary level (unless the borrower is single/unmarried). Based on these details, as well as other factors (such as personal credit history) originators evaluate a borrower’s solvency, and thus – the credit default probability.

Due to confidentiality restraints, iuvo doesn’t have access to borrowers’ personal information such as name, ID number, and credit history.

How is the borrower`s profile connected to the loan score class?
By going through borrower profiles and considering their loans’ score class, you can narrow down your own criteria and start targeting a certain type of “borrower persona” in the platform. E.g., you could decide that a reliable borrower for you means someone within a certain age group, whose earnings exceed a certain amount, and who has a certain education level.

Before you design your final strategy, make sure to experiment a bit with different borrower profiles and loan score classes – this will help you assess what risk level works best for you

What if I fail in my judgment?

Don’t forget about the Buy-back guarantee! In case a loan goes default, the Buy-back guarantee covers the full unpaid principal for the remainder of the loan. Read more about it here: What is Buy-back guarantee and how to control your investment risk.

Need more info? Check out the FAQ, as well other posts from the Tutorials section in our blog!

All the returns you can receive with iuvo


The most rewarding part about investing at iuvo is, of course, the moment you get to see your returns. As satisfying as it is to look at your account balance growing, you shouldn’t settle for just making sure that you’re earning something. It’s a good idea to regularly go through your Dashboard and your Account Statement for insight on how much you’re earning, and where it’s coming from. Keeping track of your returns’ size and origin can help you build your future investment strategies. Furthermore, collecting this information (and being precise about it) is especially important once you have to calculate and declare your income taxes.

What, where, how?

You can see an overview of your returns by going to your Dashboard. It represents a summary of all payments you receive, sorted by currency type. For a detailed breakdown of all incoming transactions, you can check your Account Statement. Payments you receive are calculated with an accuracy of 10 digits after the decimal point. However, for tidiness’ sake, we only display two digits after the decimal point.

We understand that the Account Statement might look a little confusing at first, but once you get the gist of it – it becomes effortless to analyze. To make it even simpler for you, we’ve prepared an overview of what kinds of payments you can expect to see.

Returns from loans you’ve invested in

When you invest in a loan from the primary market, your return flow depends on specific vital factors, such as:
– The agreed payment plan;
– What percentage of the loan you’ve invested in;
– Whether the borrower is keeping up with payments (or being late… or paying at all);
– Whether the borrower decides to make an early payment.

Regardless of the scenario, some rules always apply. For example, you get paid as soon as the originator receives a payment from the borrower, i.e., with each scheduled installment. Also, you will always get your returns from the interest and your returns from the principal, as two separate payments.

To illustrate your returns payments, let’s take an exemplary loan with duration of 12 months, and a 30-day installment plan. There are three possible scenarios:

A/ The borrower pays on time each month
In this case, you get paid once a month for twelve months. In your account statement, you will see two incoming transactions, as mentioned above.

B/ The borrower is late with their payment or doesn’t pay at all
Each originator charges borrowers a fee once their payment is overdue with more than 20 days. These fees vary in size and accrual period between originators. Your returns will directly depend on the percentage you hold from each loan.

If the borrower fails to make a payment, you are protected by the Buy-back guarantee. Once this guarantee is activated, you will be refunded with the remainder of the unpaid principal. These funds will go straight back to your account. The Buy-back guarantee does not cover the rest of the outstanding interest.

C/ The borrower decides to do an early repayment
Let’s say three months have passed, and the borrower chooses to pay the remaining nine installments all at once. In this scenario, you will receive the remainder of the unpaid principal, split into nine separate monthly payments per the pre-set installment schedule.

You will also receive a one-off payment for the current installment’s interest. Since we’re talking about an early repayment case, no interest will be accumulated anymore. That means you will stop getting interest rate for this loan – you will only get returns from the unpaid principal.

Returns from selling and buying loans on the secondary market

In the secondary market, you can get two types of returns:

A/ Selling loans for a higher value than what you invested
If you feel like a certain loan in your portfolio might be attractive for other investors, you can sell it at a higher price than your original investment. Having done that, you will receive two payments – one equal to the nominal value of the loan, and one equal to the premium/discount amount.

B/ Buying loans at a discounted price
In this case, you will start receiving payments according to the agreed installment plan for each loan. Again, you will see two payments in your account statement – one for the principal, and one for the interest.


This overview should help you better understand your returns size and origin. If you need further information, you can always check our FAQ section or contact our Customer Support associates at [email protected] Invest away!

Depositing and Withdrawing Funds


At iuvo, we pay utmost attention to the convenience of our users and always make sure that each step of the investment process is quick and easy. This is also true for the depositing and withdrawing of funds. We`ve made the processes intuitive and easy to follow, but with this article, we`d like to make sure that everything is clear and guide you through the specifics of the process.

Making a Deposit

Making a deposit is an easy process, but there are some things you need to consider depending on the currency you`d like to deposit in and other variables concerning your bank account.

Currently, you can deposit funds in EUR, BGN, and RON, so you need to decide which one works best for you as you won`t be able to change it later on.

To make a deposit first, you need to click on the “Add Funds” button, located conveniently in the upper right corner of your “Dashboard” page. After that the corresponding steps are explicitly listed, explaining in detail exactly what you need to do.

Depositing Specifics

The general deposit method for funds in EUR and BGN is via a bank transfer to one of our accounts at Allianz or Swedbank

You can use the following types of bank transfer:

– Inter-bank transfer

– Intra-bank transfer (if you have an account at the corresponding bank)

– Depositing location at a bank branch

It is important to note that bank taxes may be on the higher side when depositing EUR and furthermore, some banks might have additional fees for incoming deposits.

If you`d like your account to be in a currency different than EUR or BGN you have to use an external service. All details regarding this step are listed in the “Add Funds” page. Also, have in mind that to start investing you`ll have to verify your account by uploading a copy of an identification document.

If you are planning to deposit RON you should consider the following:

Thanks to our partnership with the Romanian originator iCredit, we are now also able to provide excellent investment opportunities in RON. For that purpose, any user who wants to deposit RON must add funds by using an external service instead of bank transfer.

For that purpose, we recommend using Pay Sera, an efficient, low-cost service which enables you to make payments in different currencies. Creating an account is very easy and takes no time at all. We recommend the service even if you want to deposit EUR or BGN, but it`s also useful for making all sorts of payments.

When depositing RON via Pay Sera, you should state “IUVO” as the basis for making the payment and also provide the following information:

IUVO Investment Number: – EVP6210002572095

ID: XXXX (Provide your account number here)

Other similar services which you can use, and we recommend are Transferwise, Revolut, and Currencyfair. The benefit of depositing using such a method is that you avoid the high taxes related to bank transfers. Furthermore, once you have an account at one of the abovementioned services you can deposit funds anytime, at your convenience.

It is a general requirement for any investor to provide a bank account of his own and for that reason, certain verification is required. Any user who wishes to deposit funds using a non-bank transfer should provide the appropriate documentation, proving that he is the actual owner of a personal bank account.

Such documentation can be either of the following, as long as your name and IBAN are visible:

– Bank statement

– Payment order

– E-Banking Screenshot

To upload a verification document, you should go to the profile menu, click on the “Documents” button, located in the upper left corner and attach the necessary documents.

After completing the depositing procedure, you should receive an e-mail signaling that funds have been added to your account. All you need to do after that is verify your account, and you`re all set to start investing.

Withdrawing Funds

Withdrawing funds is an essential process associated with investing, and it can even be said that it is the final goal of the process. Compared to making a deposit, withdrawing is a lot simpler and can be done at any point in time for any funds that are not currently invested in loans.

To make a withdrawal, you simply need to go to the “Dashboard” page and click on the “Withdraw” button located in the upper right corner, right next to the “Add Funds” button. There you need to fill in the required information and submit the request.

Note that to be able to withdraw funds you will have to verify your address by providing an appropriate document such as a utility bill.

All other details regarding the withdrawing of funds, such as withdrawal amounts, fees and processing time are fully described in the dedicated FAQ section.

In case you have any additional questions please take a look at the FAQ or send us a message: [email protected]

Top 3 auto-invest strategies for p2p investing


When you start investing in iuvo for the first time, we recommend starting with automatic investing. It is suitable for investors with little experience or those who do not have the time to select any credit they want to buy manually. The various filter combinations offered by iuvo allow you to build a portfolio that is specifically tailored to your profile and fit within your investment style. The iuvo auto investment option can be reached by logging in with your platform profile and navigating to Invest -> Automatic Investing.
Conservative Investor

If you qualify as a conservative investor – stability and security are essential to you. You are investing not so much for high returns as for protection against inflation and sustainable, slow growth of your funds.

The appropriate filters for you to create your portfolio are those that will allow you to feel comfortable and quiet without taking any serious risks.

The next step is to create your portfolio by clicking the “Create new portfolio” button and give it a name. Select the currency you want to invest in and the portfolio size – the maximum amount you want to invest using this automatic portfolio.

You can narrow your criteria even more by choosing the number of remaining payouts. The small number of remaining contributions means that the bulk of the loan is already paid and suggests a fair payout, making it a more secure investment.

In the box “Remaining balance” you can choose how many free (unpaid) funds you want the credits you invest in to have. The smaller the remaining balance, the more it is bought from the loan from other investors. Keep in mind that if you filter too many criteria, it is possible to significantly reduce the number of credits that match them and your portfolio to become too low.

Choose credits with a buy-back guarantee, which will provide you with a refund of your invested amount in case the loan falls into default for more than 60 days and Current loan status so that you can only invest in credits that are paid on a regular basis. The portfolio thus created ensures stable yield at the minimum possible risk.
Aggressive Investor

Aggressive investors have a high-risk tolerance and are looking for a higher and shorter-than-conservative return on return. In an example of an auto-investing portfolio for a similar type of investors, returns would have much more weight than the other factors.

Aggressive investors can afford a higher investment for each position and a higher value for the portfolio, for example, $ 20 per position and $ 2,000 total portfolio size.

Credit ratings that would be suitable for aggressive investors are D, E, and HR. Their yield is typically about 14%, but the probability of deflating is logically higher than that of other ratings. Diversification is especially important to ensure that the risk is best distributed.

Being an aggressive investor, you can take advantage of the higher yields that the deferred credits offer, by selecting and investing in. The short installment period allows for more dynamic cash flow, quick returns, quick reinvestment of new funds and, ultimately, a higher yield.

For now, all iuvo credits have a buy-back guarantee. In the future, however, we also envisage those who will not have a guarantee but will be able to offer higher returns. Buying such credits would be right for you if you are an aggressive investor.

Aggressive investment, of course, does not mean irresponsible investment. Even if you have a high tolerance for the risk you are taking, you should still follow the good practices in creating a portfolio so that you can make the most of the opportunities iuvo offers.
Balanced investor

As the name suggests, this type of investor is a combination of the two above. They are aware of the risks that exist, but they are exploring well the opportunities and take a position that is not ending either in the desire for high returns or in taking risks. For such a type of investor, a suitable portfolio would be one that includes a variety of positions and does not bump into extremes.

Credit ratings B and C are the right choices when a balance is what’s important to you. They offer returns of about 8% with a probability of deflation between 2 and 18%.

We recommend that the investment in one position be the minimum – 10 leva, but the overall size of the portfolio may be larger than that of the conservative investors. Balanced investors can combine credits with and without a buy-back guarantee by controlling credit risk without a buy-back guarantee through credit rating and yield. Balanced investors can afford to add to regularly paid loans and loans with little delay.

While iuvo is currently offering consumer credit only, when new originators join the platform, credit types will increase. Then, for more balanced investors, additional opportunities could be opened, such as investing in business loans with a more extended repayment period and stable returns.

A suitable scenario for balanced investors involves creating more than one outsourced portfolio with different levels of profitability, analyzing and tracking the performance of each option will displace too conservative or too risky portfolios to leave the most balanced ones.

No matter what type of investor you are, iuvo offers a variety of options to suit your needs. The platform provides a real alternative for your funds, which can bring you an average annual yield of up to 12%.

Sign up and let the smart money start working for you today!

* These three scenarios are exemplary and subjective and aim to illustrate possible approaches to creating an auto investment portfolio in iuvo, depending on the investor’s attitude

Secondary market and the benefits it carries


What is the secondary market exactly?

The secondary market is the place where investors can buy or sell parts of loans from and to other investors on the platform. The main advantage of this kind of trade is that it gives investors the opportunity to liquidate their investments. Other benefits from trading on the secondary market are:

– Opportunity to obtain return faster than the corresponding repayment schedule.

–  Opportunity to generate even higher return if they manage to sell their investments for a higher price than the nominal one (premium price) or to buy at a cost lower than the nominal (discount price)

– Opportunity to invest in loans that are not available on the primary market

Buying loans at iuvo’s secondary market

Iuvo offers a secondary market to all its investors. Once you log into your profile, you can access the secondary market via the ‘Invest’ menu and by selecting the ‘Secondary market’ tab.

Use filters to view only loans that respond to your specific requirements or check out every credit listed on the secondary market and its features from the list under the filters.

Every loan has an ‘Invest’ button, and after clicking for one or more loans, you can pick the sum you want to invest, and you can confirm with the ‘Invest in selected’ button. That’s how the loans become a part of your portfolio, and they start generating a return for you.

Selling loans on iuvo’s secondary market

Every investor can list for sale loans or parts of loans from their portfolio on the secondary market.

In the ‘Invest’ menu, the ‘My investments’ tab shows all the loans you have invested in.

With the button ‘Sell’ and confirmation you can offer each of your loans for sale on the secondary market, whereas you fix the price you’d like to sell it for. It can be higher (premium price) or lower (discount rate) than the nominal.

Trading on the secondary market is a method that can seriously increase the return on your investments. The opportunity for quick liquidity is significant for investors, especially when it comes to investments in long-term loans. It turns the secondary market into an important tool, which can increase the maximum return on your investments.

Video tutorial 1 – Investing in Primary Market


This short video will introduce all of the processes step by step when buying a loan.

It explains all that you will need to do on the platform – from logging onto the platform to successfully investing in your first loan!

New videos are coming soon on auto invest, buying and selling loans on secondary market, iuvo’s new features and many more.

Iuvo’s ‘Auto Invest’ feature is now active


Iuvo has launched a new function that aims to make investments on a large scale easier and reliable. It is suitable for investors who do not have enough time to manually select each loan they’d like to invest in and to exert precise control over the way their funds are invested.

Our new feature allows users to create custom filters and invests their funds in loans according to their criteria automatically.

The ‘Auto Invest’ feature allows the allocation and minimization of risk by selecting specific criteria for your preferred loans: risk rating, repayment term, installment type, number of remaining payments and much more.

Apart from selecting specific criteria for loans, in each of your Auto Invest portfolios, you can set the maximum overall investment sum that cannot be exceeded and additionally set the maximum amount you’d like to invest in each single loan. It assures that your funds will be spread efficiently without any manual work.

The portfolio can consist of hundreds, even thousands of loans and the returns are being automatically reinvested, which eliminates “cash drag” and maximizes your profits.

The feature can be activated/deactivated at any time, and you can also set a minimum amount that you want to always have available in your account so that the Auto Invest never goes over this limit.

The automated investment does not interfere with the manual investing in any way – you can use both options in your investment strategy. There is a video coming soon on our website where we will demonstrate step-by-step how to work with our Auto Invest feature.


Strategies for Auto Investing


If you’re reading this, then you must be coming from the previous article, where we guided you through the basics of the Auto-Invest feature on iuvo; or from the one where we explained when and why you should use it. If not, then you should go read them so that this one can feel more familiar.

Now, for everyone who’s already familiar with the previous blog posts on the topic – let’s join forces and explore some Auto-Invest strategies, which will help you achieve maximum returns! We’ll split them into three categories.



P2P lending’s real charm is that it can be used as a long-term instrument for passive income. Actual results start showing if you’re persistent, and it starts paying off when you pass the one-year mark. Long-term investment strategies allow you to start conservatively and then experiment as you go (and as your comfort zone expands). For Auto-Invest specifically, we recommend you keep it as simple as possible – follow the K.I.S.S. rule.

To setup Auto-Invest in a way that matches your long-term goals, first, choose the interest rate range. You may try to invest in loans between 9% and 12%. Then, select the installment type. For a long-term investment portfolio preferably stick to 7-day installments. The frequent installment setup means you will receive your principal often and be able to reinvest it. In the long run, this will raise your profitability. Also, it allows you to exit from an investment much faster (especially compared to 30-day installment loans).

Last but not least – stick to a lower risk level. It’s best to choose loans that already have 3 or 4 installments paid. If there are no such loans available at the moment, then aim for loans with at least two payments already made.


Short term

Short-term strategies are perfect for when you want to test the platform and explore the scope of achievable profitability. Again, you can start with 7-day installments type. For your short-term investment, select 14% to 15% in EUR, or 12% to 15% in BGN, to be the expected return. Leave the field for loan status blank. That way you’ll invest in all loans, regardless of whether they’re current or delayed. Investing in delayed loans is a good idea if you want to reach higher profit because you will take advantage of receiving late fees on top of the interest.

Don’t worry about the funds you invest initially – the Buy-back guarantee keeps you safe in case a delayed loan you`ve financed goes default. If this happens, you will receive your money in 60 days and be able to reinvest it.

Finally – diversify, diversify, diversify. We suggest you split your available funds into small portions and, e.g., invest 10 EUR or BGN in every single loan. If you have a more substantial amount, like 10 000 EUR or more, you may try with 50 EUR per loan.


Two or more investment portfolios

Continuing with the same topic – if you want to diversify your investments and maximize your profit really, one auto portfolio is not enough. That is why we suggest you set up at least two.

We’ll give you an example of how to create two portfolios. So far, we were talking about more conservative strategies. Now let’s lay out an “aggressive” strategy which can help you achieve maximum return.

Let’s say you`ve deposited 3000 EUR. You want to invest them in loans with interest rate between 14% and 15%, so you go and set up this criterion in the filters. Don’t set any filters for status. Instead, invest in all loans, hoping to get a bigger chunk of delayed ones and thus gain additional profit from the late fees. As always, search for loans that have at least three paid installments. Lastly, opt for 7-day installments.

Having finished with filtering, you should now set up the portfolio size to be precisely 3 000 EUR. This way you will invest the whole amount at once. It’s good to set a smaller limit per investment, e.g., 20 EUR, so the total size of the portfolio is split between many loans.

Now, it’s time to set up the second portfolio. Again, only choose loans with 7-day installments. Also, keep the same interest percent range. The only different setting should be the number of paid installments – preferably set it to 5 or 6. Finally, set the portfolio size to be 300 EUR, for a start. And – you’re done! Later on, you can increase the size, but don’t focus on that immediately.

So, what will happen from now on? The second portfolio will collect all the profit from the first one and will invest it in current loans which are more likely to bring you higher interest. You take advantage of two benefits at the same time – the initial leverage of late fees from the first portfolio, and the higher probability of getting high interest from the second portfolio.

We hope you’ve found this useful, and we’re keeping our fingers crossed that your investments are successful! If you have any questions, please refer to our Blog, our FAQ section, or the lovely people from our Customer Support team at [email protected]!

When and why you should use Auto Invest


In the previous article, we taught you all about manual investing – when and how to do it, as well as some useful strategies. Now we’d like to introduce you to the Auto-Invest feature.


Why should I use Auto Invest?

Because it saves you time

Manual investing gives you the freedom to “micromanage” your portfolio and perform a detailed check on every loan you’re investing in. As handy as this is, you have to spare a reasonable amount of time to log in every day and scan for loans that match your criteria. If you have a more substantial free capital to invest, manual investing will be a tedious task and might take you hours on end.

With Auto Invest, you don’t have to log in each day. You simply set up the feature, and then forget about it. It’s straightforward to stop it, whenever you decide to. We’ll talk about that again in a bit.


Multiplies your earnings

Another advantage of Auto Invest is that it helps you evade the so-called “cash drag.” Cash drag is the phenomenon where you hold a certain amount of your free funds in cash, and it doesn’t receive any exposure to the market. In simpler words – you invest, earn some money, and then cash out.

With Auto Invest, you can automatically reinvest your earnings, and then earn even more from the compound interest! The compound interest is a great way to scale your profits; it’s interest that goes on top of the principal of a loan, and on top of accumulated interest from previous periods.


When should I use Auto Invest?

Before you ponder about using Auto Invest, make sure you’re familiar and comfortable with manual investing on the Primary Market. It’s best to do manual investing for a certain amount of time, and be completely comfortable using filters, browsing through loan details and comparing borrower profiles.

By that moment, you will have already earned some profit and seen how the platform works. It’s only natural to want to diversify your portfolio and explore options for scaling your profit. This when you’re ready to use Auto Invest.


How do I set it up?

After login, go to the Auto Invest page in your account and fill the form. You can set up more than one portfolio, and each portfolio can have a different size. E.g., you can have three separate portfolios, each for 200 EUR, which apply different pre-set investment criteria. Also, you can set a maximum investment amount per loan, say – 10 EUR. That means you will invest up to 200 EUR, in up to 20 loan offerings. Of course, these numbers are illustrative – portfolio sizes and investment amounts are your calls.

How about the investment criteria? Knowing your way around the Primary market and its filters, you should already have a good idea on what kind of loans and what type of borrower profiles you’re targeting. You can either use the same filters as when you do manual investing or – diversify even further. For example, you can spare the “simpler,” “lower risk” filters for your Auto Invest portfolio, and leave only the high-risk ones for manual check and manual investing. We’ll go into further detail in our next article, which will be all about strategies for successful Auto Investing.


How does it work? What happens when I run out of free funds?

As mentioned, you can have one or more Auto Invest portfolios. They will all do the same thing – automated investing of all your available funds. So, how does it happen? It’s straightforward: once our software finds a loan that matches your criteria, it will put your pre-set investment amount into that loan; and will continue doing that, until it reaches the limits you`ve given it.

If you run out of free funds, your portfolios will start re-investing your profit, which, in turn, will start piling up that sweet compound interest we mentioned earlier.


Can I stop it?

Of course! Select the portfolio you want to dismiss, and hit “Pause.” This will allow you to resume if you decide to. If you want to delete that portfolio altogether, press “Cancel.”

We hope this has been an insightful introduction to the Auto Invest option and its benefits. Stay tuned for the next article, where we will describe some useful strategies you can use with this feature!

Strategies for Manual Investing


If you’re reading this, you’ve probably already gone past the point of learning what P2P lending is, and have already chosen your preferred platform. We’re glad you decided to trust iuvo! We’ve decided to compile two separate articles that introduce you to manual investing and auto investing. We hope that they will help you choose which path to follow.


What is manual investing?

This is the base investment option at iuvo. Straightforward as is, manual investing simply means that you will personally go to the Primary market, scan through loan offers, read each one’s details, and decide where to invest (or not invest) your free funds.

When done right, manual investing will allow you to increase your annual return. It’s particularly handy for loans with higher risk – unless you feel fortunate, it’s not a smart idea to do Auto Invest in this type of loans.


Why invest manually?

Compared to most p2p platforms, iuvo is heaven for manual investing. One of our main advantages is that we work very hard to ensure high liquidity. At any given moment, we offer around ten thousand loans to choose from. Why does this matter? Well, if we don’t provide a respectable quantity and variety of loans, you might not be able to find any that fit your strategy. Even worse – you might be forced to make changes to your strategy, so that you can make use of what’s published on the platform. We shouldn’t let this happen!

Another big advantage is the amount of information provided for each loan. Iuvo lets you see details, like the borrower’s gender, age, salary, work industry and so on. These are of immense help when trying to understand the perfect borrower profile. Also, we enable you to examine the borrower`s profile without putting them at any risk – we can’t access (or share) data that makes them identifiable, like their name and ID number.

Aside from personal and demographic info, what makes iuvo unique is that we show the due dates and payment history of each loan. You can check the exact delay of payments while searching for loans on the Primary market. Thus you’re able to estimate their payment patterns, and decide whether you want to invest in their loan, or not.


What are the best strategies for manual investing?

To find the answer to this question, we don’t need to look further than our backyard, or in other words: our most profitable members that invest manually. Based on these people’s success, we’ve prepared three great strategic approaches to manual investing.


1. Easy – for people who are just getting started with p2p lending

Open a loan’s payment history an­­d study it. Choose “older” loans that already have a few paid installments. Check the payment dates, and study the payment pattern. Whether in delay or current, look for loans where there is some consistency of payments. Avoid borrowers with irregular payment patterns!

Example: Let’s compare two current loans with 30-day installments and two installments already paid. One of the borrowers has made two monthly payments on the same day of each month, and the other one has gone with a single payment in the second month – covering both installments at once. In a similar case, you should always choose the first loan: it has a better chance to be paid out month-to-month.

2. Medium – for people who have already gotten around p2p lending

Use the filters to narrow the offerings down to delayed loans only. Go through a few loans’ details. Search for late credits whose borrowers have a high probability of making a payment.

Example: Ideally you want to find a loan that is between 30 and 55 days in delay and has at least three paid installments – in cases like that there are late fees due.  Based on the borrower’s payment pattern, try to estimate how likely it is for them to make a payment before reaching 60 days in delay. If you believe it to be very reasonable – INVEST. If they do pay, it boosts your profit (because of the late fees). If they don’t, you’re protected by the Buy-Back guarantee.

3. Hard – for investment and math gurus

If you’re great at math, and/or have experience in scoring, you can use statistics to narrow down a profile for the loans you want to invest in, based on the personal data provided for each borrower. Export the available credits from Primary Market to Excel and start playing with data, like age, gender, % of monthly installments from their income, work industry, location of the borrower (city and country), etc.


How about the secondary market?

Our Secondary market can also have its place in your manual investing strategy. You have to be careful though, because the Secondary market is the only way you can turn а negative profit on iuvo – due to the discount/premium sellers may apply. Before you start buying or selling on the secondary market, make sure you understand very well how these two work! Here’s a useful article for you: Secondary market and the benefits it carries

We hope these strategies will help you succeed. As always, feel free check out our Blog and FAQ sections for more useful information. We update them regularly to keep you posted on news, trends, and various features of the platform!

Seven investment gifts from the iuvo team


Christmas is just around the corner, and the iuvo team has a few presents for our dear users. It`s something that can help compensate for all the money you’ve spent on presents, cards and fancy wrappings, but it will serve you even better in the long run. However, for the gift to be useful, you still have to use it wisely and get into an investment kind of mindset. Our gift to you is this article of seven valuable investment tips from each member of the iuvo team. The tips provide brief information on each member and present his unique perception on the p2p investment field, providing insights that can make your investments even more profitable.

So, get comfortable, pour yourself a nice hot cup of cocoa and read on.

1. “Try to regularly allocate a separate portion of your salary that won`t affect your monthly budget. By doing so, you will have a savings budget that can help you make a trip or realize another dream in the future.”

From Nikolina Ivanova – an integral part of our support team. She`s always dedicated to providing the best services to our clients and likes taking on new challenges. Nikolina is a fan of good the cinema and literature.

2. “Automate! The easiest way to achieve your short and long-term financial goals, if they are defined, is to automate the investment process. By using the automatic investment feature on the Iuvo platform you save up a lot of time by not re-investing your funds by yourself, but you also keep your portfolio diversified to achieve optimal profitability. This functionality enables you to manage your investment strategy in a quick, easy and efficient way. After that, you can simply relax and watch your money do all the work for you!”

From Miroslav Metodiev – the latest addition to our team and the person responsible for the well-being of the whole project. Miroslav has extensive experience in bank and nonbank financial institutions and is interested in anything related to financial markets.

3. “Fully utilize the opportunities we present to you. Try out new strategies with different currencies, originators and loan rating classes. Always benchmark your results and draw conclusions.”

From Vladimira Lulova – the person who manages our customer support team and makes sure, that each of our clients gets the information he needs. She has over seven years of experience in developing support teams and believes that work develops positive qualities in a person.

4. “Don’t hesitate to invest in loans that have a “late” status. By doing so, you can capitalize on the lucrative expiration taxes and achieve great profitability.”

From Daniela Yordanova – a vital part of the iuvo team who`s been with us for over a year. She likes reading books, doing sports and getting to know new people.

5. “Reinvest! You should always, immediately reinvest any funds available in your account, regardless of whether you use the automatic investment feature or invest manually on the Primary market. Reinvesting is the best approach for achieving high profitability and the shortest path to unlocking the potential of compound interest.”

From Ivan Milev – a member of the team since the very beginning. Ivan is the person responsible for improving the overall user experience on the platform and integrating useful new functionalities. He has extensive experience in many business-related fields and has worked with internationally acclaimed companies and institutions.

6. “Use iuvo to diversify your investment basket. Don`t forget that a good long-term investment is achieved through a well-diversified investment portfolio. Iuvo offers you exactly that, a secure option that brings high profitability. Of course, you can invest in volatile instruments such as currencies, shares or stocks, or you can also follow the speculative wave of investing in cryptocurrencies. I will always be a fan of speculative trading on financial markets, but that doesn`t mean you shouldn`t hedge the risk. In my opinion, any speculative profit should be reinvested in iuvo, where you get a high return, and your investment is secure.”

From Hristo Andreev – the person responsible for all marketing related tasks at iuvo. He has extensive professional experience in both financial companies and start-ups. In his free time, Hristo likes to snowboard and get lost in the woods.

7. “Use the full potential of the platform by experimenting with the auto-invest filters. For example, you can create a quick liquidity filter by setting your portfolio to invest only in weekly credits that have four payments left until they`re paid off. You can stop the filter and all profit on related investments will be regained in 4 weeks, which can be a great help in time of financial need. You can also implement this approach with biweekly or monthly loans.”

From Ivaylo Ivanov – the CEO of the company. Ivaylo has deep faith in the value of iuvo as a platform that can help its users regain control over their finances and enable them to make the best decisions regarding their financial stability. He is a passionate fin- tech expert with extensive experience in business development, consultation and project management.

We hope that you`ve found these gifts useful and apply them to your investment process. With that being said, we`d like to wish you very happy holidays and a celebration filled with laughter and festive spirit. Let 2018 be a year during which you achieve all your financial goals and dreams!

Happy Holidays

Explore new P2P investing strategies with iuvo


P2P investing presents a myriad of different approaches for being successful and profitable in the long run. There are many possible combinations depending on the originator, currency, risk-level of the loan, your experience, the investment amount and many other factors. Any combination of these factors will yield different results, and there is no way to tell which one will be more efficient unless you try it out. As we`ve mentioned before, one of the beautiful things about investing in P2P investing is the small amount you need to start. Furthermore, you can be brave in trying out a new strategy because you have the buy-back guarantee protecting your funds. It is also important to mention that every investor should craft his plan based on his own experience. Even if you emulate somebody else`s approach, it may not yield the same results. Luckily, you have the freedom to mix things up and see what works best for you.

New Originator = New opportunities

We recently introduced a new partner – the Romanian originator iCredit, which enabled us to provide new investment opportunities to our customers. Being able to invest in loans that are in Romanian Leu has expanded the possible combinations of factors that make up your portfolio. It means that these loans are subject to variables that are entirely different than the ones affecting loans in Bulgarian Lev or Euro. How you craft and structure your portfolio of investments affects your profitability and overall performance.

By presenting you with a broader selection of loans we are giving you more freedom and flexibility. When you go to the “Primary market” dashboard on the platform and open the filters menu you, will notice that there is an option for selecting a country. You can quickly select “Romania” and browse the wide selection of loans, look at their specifics and determine what kind of opportunities they might present as compared to Bulgarian ones. Perhaps you might notice that the average loan amount is different or that there are more loans with a specific score class, interest rates might also differ. All these little insights are factors which you can incorporate into your strategy. We recommend that you try out different combinations and see which one works best.

Trying Out Different P2P Investing Strategies

Iuvo currently partners with two Bulgarian and one Romanian originator, which all differ in terms of loan portfolio size and while the type of information provided on each borrower is the same, the data itself differs and presents unique insights about the loan. For example, if you compare two C score loans, one from Romania and one from Bulgaria, you will see that the borrower`s salary is provided for both, but the amount will differ. One might be earning 200 Euro a month, while the other can be earning 400 Euro a month. By considering this, you can make a decision about which loan to invest in.

If you want to get into the depth of P2P investing borrower information is of vital importance. While the auto-invest feature negates the need for looking into the borrower on a more detailed level it is necessary if you want to craft a comprehensive strategy with higher than average profitability.

This is the next level of investing where you really delve into the details and consider which loans have higher return percentages based on analysis and critical thinking. You can expect well above average returns if you manage to create a strategy based on concrete data. When you look into the loan details, you will notice all the available information about the borrower, which enables you to take into consideration factors like salary, education and occupation area which are all directly related to the loan`s rating and return.

The availability of more information gives you more significant control over your portfolio and allows you to be flexible in case things don`t go according to your predictions. For example, if you see that a specific set of similar loans is yielding unsatisfactory results, you can deduce that a collection of opposing credits might have a higher chance of performing better. Even if some loans have very close ratings and returns, if the originators are different you can expect that the results will most likely also be different. It`s all about combining the right loans and making adjustments based on the outcome.

Iuvo presents investment opportunities in three currencies – EUR, RON and BGN, and all originators offer the option to invest in Euro. Investing in Romanian Leu loans is an especially lucrative opportunity due to their recent introduction to the platform. Loans provided by our Romanian originator are relatively newer and thus more exclusive – there are smaller competition and a significantly high return, up to 14.88%, which turns it into another great opportunity.

What You Should Test

In case you`re still feeling a bit confused about trying out different p2p investing strategies, here are three specific ones that you can try out. See which approach works best for you and structure your investments around it.

1. You can create different portfolios with each originator and invest in loans that have a similar interest rate. For example, try and invest in loans with 10% interest rate, but diversify your funds in a different originator. Track the performance of each portfolio and see which one does best. For best results keep the investment amounts the same.

2. You can invest in loans that have the same or similar score class but have a different country of origin and track how they differ in terms of performance. Maybe you will decide to invest only in score classes E and HR, but iCredit or Viva Credit may give you different returns. You can try a similar strategy with the various currencies on the platform. Create a separate portfolio in each currency and see how it will perform.

3. Try investing in loans that are very similar to each other – same or similar score class, interest rate and country of origin. Then track performance by looking more deeply into criteria such as salary, education and how they differ among the borrowers.


Although many of the loans offered by our originators might seem similar on the surface, many subtle differences distinguish these investments. You have the freedom to craft your investment portfolio as you wish and explore different bold strategies based on all the information, variables and factors. It is testing time, do not hesitate to try to find the best solution for your funds.

How to create an action plan for p2p investing


Our investors’ satisfaction has always been the top priority of iuvo. All improvements that we make on a daily basis are based on the feedback and experience of our clients on the platform.

Our development team is processing and classifying all of the received recommendations and comments. The frequently asked questions are ‘How much will I earn?’, ‘Would the profit be enough for the spent time and money?’, ‘The risk is low but getting out of investment takes time.’, ‘How can I calculate my profitability?’. We will give you answers to those questions by making an action plan for p2p investing and put the specific ultimate goal.

Make a plan for action!

Accurate, reliable and timely information is essential for making an action plan. If you are already familiar with the P2P lending, you can get acquainted with our profitability, guarantees, taxes, average deposit, how to get out of investment, etc. If you’re just getting into the P2P investments world, it will be helpful to read our blog postshow iuvo operates, what are the returns, risks, etc.

Set Up Conditions!

Before start investing you need to define your criteria and budget for all of the strategies and functionalities, you want to test. Iuvo offers two options for investing – Auto Invest and Manual Investing.

When implementing strategies or using different functionalities, set them a budget and approximately the same conditions to be easier for you to measure the results. When planning, it is important to set a preliminary period, after which you will review the achievements. Then select credits which match to the set time.

Ultimate goal!

The ultimate goal is high profitability. You can earn an annual return of up to 15% on your investments. To select the most convenient and appropriate way to invest your funds, take a look at our Auto invest and Strategies materials.

Apply – Invest!

No matter if you decide to invest manually or automatically you can add filters to your criteria – terms (number of installments), credit status – current/delay, rating class, etc. Stick to you pre-made plan. Changing the plan will affect the results, therefore make sure you will apply the changes when measuring the outcome.

Evaluate – Balance time!

The most enjoyable part of the whole process is getting the profitability. Use the account options for analyzing your achievements – extract the data from ‘My Investments’ and ‘Account Statements.’

Difference between the action plan and the realized return?

Make sure you have included all the changes to the results calculations – different taxes which you pay or receive, premium/discount of the secondary market, withdraw or add funds, etc.

Make your plan and become a part of iuvo!

What is Buy-back guarantee and how to control your investment risk


When you choose a peer-to-peer lending platform where you want to invest, you should take into account two major factors – the return on investment and the undertaken risk for the invested capital. As we know, there is no investment without risk. Nevertheless, you can control your risk exposure with our buy-back guarantee. At the moment all loans listed on the platform are in the scope of this protection scheme.

Every loan you invest on the iuvo platform is listed by registered non-banking financial institution (originator) which the primary business function is credit lending.  It guarantees that every loan listed on the platforms was taken through a strict due diligence procedure reducing the risk of default to a minimum level. In the unlikely event of default, your investment risk is taken care of by our 100% buy-back guarantee. It means that the originator of the loan is obliged to pay back the invested sum to you. That way your net capital is fully protected by iuvo.

Buy-back guarantee is not the only way to manage your risk and take it to zero levels. You should create a rich portfolio of investments, allocating your capital between many loans. Differentiating the portfolio helps you to minimize the risk and even if one of the loan defaults, you will still generate profit from your other investments. Every loan on the iuvo platform has a credit rating indicating the default possibility. This way you can always take an informed decision when you invest your capital.

The combination of those two risk management tools minimizes the investment risk. You can check our originators and the loans they offer so you can start investing and generate high returns.

How to exit from your investment


The natural way to exit of investment is by waiting for the full maturity of all the credits you invested in. Currently, iuvo features loans with a short payout period, which means that even if you decide to exit your investment, it can be done in a short time while you are generating profitability in the meantime. Once the credits in which you invested are repaid, you can withdraw your funds from the platform – check out the “Free Funds” field on your Dashboard.

Sometimes, whether due to personal circumstances or for any other reason, you may wish to withdraw your investment from the platform as a matter of urgency to use it for something else. Let’s say you’ve already funded your iuvo account, build your portfolio, generated some returns, and you want to withdraw funds urgently.

Iuvo provides the necessary liquidity with its secondary market. Each investor can list one, several or all of their loans for sale. So he will not have to wait for the full maturity of all the loans in his portfolio to withdraw his funds.

According to the individual investor, the speed with which he wants to sell, as well as the current market situation, on the secondary market a credit may be put up for sale at a price above or below its nominal value. So even when you exit an investment, you can generate additional returns – it all depends on the market: demand and supply.

The iuvo Secondary Market can be reached once you log in, click on the “Invest” button and navigate to the Secondary Market tab. If you want to sell on a secondary market, go to the “My Investments” tab, where all your credits are listed, select which you estimate (or all) and click the “Sell Selected” button. Your credits will go to a secondary market where other investors will be able to buy them and start generating returns from them.

7 tips for p2p investing from the experts


If P2P investing is something relatively new to you, you probably have a lot of questions. We were looking forward to gathering the advice of some of the top experts in the field to help you not only start your investments but also start generating steady returns.

Tip #1

Take a look at the business model of the platform and see how it matches your expectations and expectations about the risk-to-profit ratio. For example, business lending is often seen as riskier but with higher returns. Some platforms have “safeguards” that provide additional protection against bad credit. Giles Andrews, Co-Founder & amp; CEO of Zopa

Tip #2

Automate. The best platforms provide reliable data, powerful analytics, and automated investment tools. The key to achieving a maximum return is reinvesting both the principal and the interest you receive. Sometimes, if you do not use the option, this can mean manual credit selection hours. Charles Moldow, General Partner at Foundation Capital

Tip #3

Be aware of what type of investor you are and what your tolerance is to risk. If you just want to save on a slightly higher yield, A-rated loans and an annual return of 6% are a better choice for you than HR credit with an annual return of 22%. If, however, you are looking for the maximum possible return, then a credit with HR rating is more suited to you, along with the risks of deflation that it brings. Stu Lustman, Editor-in-Chief at

Tip #4

Do not save yourself a proper check. No matter how good historical data or collateral is, any investment risks losing some or all of the funds invested. Check all documentation and all the data you can find. If you have a question about any aspect of the investment, do not invest until you have a response that suits you. If you do not get your answers answered, take it as a red flag. Jason Fritton, CEO & amp; Co-Founder of

Tip #5

Write your homework. Not all platforms are the same, not all credit ratings are alike. Credit rating A is not necessarily better than B or C and credit rating A on one platform is not necessarily the same to another. Explain in detail and understand what you invest in. Don Davis, Managing Partner of Prime Meridian Capital Management

Tip #6

Diversify. Once you’ve determined the amount you want to invest, start determining your earnings based on your investor profile. Diversify as many as possible: in a different number of credits, different types of loans, different repayment periods, different credit ratings. Charles Moldow, General Partner at Foundation Capital

Tip #7

Keep in mind that the return of the invested funds takes time and the liquidity is still quite limited, so do not invest funds you may need in the next few months, at least until there is a way for a portfolio to be automatically liquidated. Emmanuel Marot, CEO, and Co-Founder at LendingRobot.


How much should I invest in p2p lending platform?


Regardless of whether you are an experienced investor or just a beginner in the p2p lending field, the one question that always stands out is how much your initial investment should be.

How much should I invest?

The amount you might want to invest is a personal choice. It depends on your financial capabilities as well as on your judgment about the potential benefits and returns on your investment. The minimum account balance to get you started at iuvo is 10 BGN/EUR, which amount can be invested in a single loan only.

A well-diversified portfolio is the key to maximize the return on your investment. Therefore, it is best to invest an amount that allows you to create such a well-diversified portfolio.