P2P Lending Emerges as High-Yield Investment Alternative Amid Fintech Boom
Peer-to-peer lending has transitioned from a niche financial experiment to a formidable player in the fintech sector, offering investors a direct conduit to borrowers without traditional banking intermediaries. The global P2P market, valued at $176.5 billion in 2025, is projected to surge to $1,380.80 billion by 2034—a 25.73% CAGR that underscores its explosive potential.
Yield-hungry investors are flocking to P2P platforms, where net annual returns of 10-15.58% dwarf conventional savings accounts. The compounding effect amplifies these gains, with some portfolios doubling in under five years. Yet this high-reward landscape carries inherent risks—default rates and platform stability demand rigorous due diligence.