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Peer-to-peer (P2P) lending, also known as crowdlending, offers direct investment opportunities between individuals and borrowers. While it promises higher returns than traditional bank deposits, it's important to weigh the risks. Defaults, lack of transparency, and regulation issues are among the warnings against P2P lending as an investment. Nevertheless, careful selection of reputable platforms and thorough due diligence can help mitigate these risks and potentially offer attractive returns.

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