Our Story

Origin and Purpose

Datos Esquema emerged from a recognized need for objective, comprehensive documentation of crowdlending outcomes. As peer-to-peer lending platforms proliferated globally, we observed a gap in publicly accessible information about platform failures, default patterns, and structural risks inherent to the crowdlending model.

The crowdlending industry has experienced both growth and significant challenges since its inception. While platforms often highlight potential returns and success stories, documented failures and risk factors receive less systematic attention. Our initiative addresses this information asymmetry by compiling and analyzing public records of platform closures, regulatory actions, and performance shortfalls.

Documentation Approach

Our methodology emphasizes primary sources and verifiable information. We document cases based on:

  • Public regulatory filings and announcements
  • Official platform communications to investors
  • Court records and legal proceedings
  • Financial authority reports and investigations
  • Independent audits and third-party assessments
  • Academic research and industry studies

We maintain strict standards for information verification. Each documented case includes source citations and timelines based on available public records. We distinguish between confirmed facts and areas where information remains incomplete or disputed.

Research Focus Areas

Our documentation covers several interconnected aspects of crowdlending risk:

Platform Operational Failures

We track platforms that ceased operations, analyzing the circumstances leading to closure. This includes examining business model viability, regulatory compliance challenges, liquidity problems, and management issues. Our analysis looks at both sudden closures and gradual wind-downs, documenting how different closure processes affected investor outcomes.

Default and Delinquency Patterns

We compile data on loan performance across different crowdlending models and markets. This includes examining how default rates vary by borrower type, loan purpose, economic conditions, and platform risk assessment methods. We analyze both individual loan defaults and portfolio-level performance metrics where data is publicly available.

Regulatory Interventions

Regulatory actions have significantly impacted crowdlending platforms in multiple jurisdictions. We document cases where regulators suspended platform operations, imposed restrictions, or required operational changes. This includes analyzing how regulatory frameworks evolved in response to platform failures or investor protection concerns.

Structural Risk Factors

Beyond individual platform cases, we examine systemic factors that affect crowdlending outcomes. This includes liquidity constraints, information asymmetries between platforms and investors, concentration risks, and the challenges of credit assessment in peer-to-peer models.

Educational Mission

Datos Esquema functions as an educational resource. Our goal is to help potential and current crowdlending participants understand the full spectrum of risks involved. We explain technical concepts like default, delinquency, capital loss, recovery rates, and secondary market liquidity in accessible language.

We provide context for evaluating crowdlending opportunities by documenting historical outcomes. This includes both negative cases and analysis of factors that have correlated with better performance in some markets or platforms. Our aim is comprehensive understanding rather than advocacy for or against crowdlending participation.

Geographic Coverage

Crowdlending has developed differently across regions, with varying regulatory approaches and market outcomes. Our documentation spans:

  • European markets with established regulatory frameworks
  • North American peer-to-peer lending evolution
  • Latin American crowdlending development
  • Asian markets including China's significant platform closures
  • Emerging markets with developing regulatory oversight

Regional differences in regulation, investor protection, and enforcement mechanisms significantly affect outcomes. We document these variations to provide comparative context.

Ongoing Research

The crowdlending landscape continues to evolve. New platforms emerge, regulations change, and economic conditions shift. We maintain ongoing documentation efforts to track these developments and their impact on platform viability and investor outcomes.

Our research incorporates new public information as it becomes available. This includes updated platform performance data, regulatory announcements, and academic research findings. We periodically review and update our documentation to reflect the most current publicly available information.

Limitations and Scope

We acknowledge several limitations in our documentation work:

  • Information availability varies significantly across platforms and jurisdictions
  • Some platform closures lack detailed public documentation
  • Performance data may not be comparable across different platforms or markets
  • Regulatory records may be incomplete or not publicly accessible
  • Long-term outcomes may not yet be fully apparent for recent cases

We document what can be verified through public sources while clearly noting areas where information remains limited or uncertain.

Information Access

Datos Esquema makes documented information accessible to researchers, potential investors, regulators, and others interested in understanding crowdlending risks. We believe informed participation requires access to comprehensive information about both opportunities and documented failures in peer-to-peer lending markets.