Francesco
Independent P2P investor from Italy. Founder and sole editor of P2PRadar, an independent European P2P lending comparison platform.
About Francesco
Francesco is an independent P2P investor from Italy who focuses on platform due diligence, tax friction, portfolio construction, and risk-adjusted returns.
P2PRadar is run as an independent editorial project with no institutional backing. Francesco personally invests capital in the platforms reviewed to understand the real user experience, onboarding friction, risk presentation, and actual returns.
Areas of Expertise
Assessing the regulatory status, legal structure, investor protections, and transparency of European P2P lending platforms.
Country-by-country tax treatment of P2P income, withholding tax credit mechanisms, and reporting obligations for European investors.
Diversification across platforms, asset classes, and loan types to manage concentration risk in retail P2P portfolios.
Evaluating net returns after tax friction, default provisions, cash drag, and liquidity constraints — not just headline interest rates.
Methodological Approach
Every article is built from direct platform checks when possible, plus cross-checks against official platform pages, regulatory registers, legal documents, and public tax guidance before publication or updates.
- Data inputs: Platform terms, public pricing, investor pages, official FAQs, regulatory disclosures, and tax guidance are reviewed before a page is published or updated.
- Hands-on checks: Where possible, platform onboarding flow, dashboard clarity, product structure, and risk presentation are checked directly — not only from marketing copy.
- Investor lens: Rankings and articles prioritize transparency, downside awareness, diversification utility, and clarity of investor protections over headline yield alone.
Editorial Principles
- No platform can buy a better ranking or a more favorable verdict.
- Affiliate relationships are disclosed on every page via the Affiliate Disclosure page.
- Articles are updated when a material input changes or when the methodology is improved.
- Important articles include a public change history and cited sources section.
- Where a topic is uncertain or country-specific, the article points readers to the original official sources.
Content Update Policy
P2P platform terms, regulatory status, and returns can change quickly. Each article published on P2PRadar includes a publication date, a last-updated date, and — for important articles — a change history section listing what changed and when. Tax guides are reviewed at least annually or when official guidance changes.
Related Pages
- About & Methodology — Full editorial methodology and site principles.
- How Rankings Work — Transparent explanation of the ranking criteria.
- Affiliate Disclosure — How monetisation works and how editorial independence is protected.
- Blog — All articles, platform comparisons, and tax guides.