debitum token 2

Debitum Review 2025 What You Need To Know

This means that the effective taxation rate will be the same as it has been before when investing into claim rights. To get access to the relevant data, Debitum offers to download tax reports and income statements from the platform. Debitum has been a regulated P2P platform, controlled by the Latvian financial regulator FCMC since 2021. Since this change happened, investors no longer invest in claim rights, but in asset-backed-securities (“notes”). The loans are not sourced by Debitum itself (with the exception of Sandbox Funding), but are offered from external lenders on the marketplace. Technically speaking, Debitum is therefore not a P2P, but a P2B (peer-to-business) platform.

Investing on Debitum

• Debitum enables investors to invest in business loans in exchange for an interest rate.
• What makes Debitum special is its unique positioning in the P2P lending environment, as it is regulated, follows a marketplace model and offers buy-backed business loans.
• Before founding Debitum, both Martins and Justas set up Lithuanian company DEBIFO.

The balance sheet is further strengthened by a liquidity ratio of a safe 1.79, indicating no issues with solvency. The balance sheet of SIA DN Operator has also significantly improved compared to the previous year. The founders at the time included Martins Liberts, Donatas Juodelis and Justas Šaltinis. The change of ownership in August 2023 is equally positive, as a result of which Debitum has seen a number of positive developments and new innovations. These include improvements for the loan supply, interest rates and liquidity.

In principle, interest income generated by loan debitum token financing is considered investment income and must be reported as such in the tax declaration. Throughout the process of due diligence, investors should also have a look at the business model of a P2P platform as well as the overall financial situation. In the following paragraphs of this Debitum review, you can follow-up on those questions. The innovations that have taken place since the change of ownership in August 2023 have significantly raised the profile and attractiveness of Debitum Investments. The improved loan supply, interest rates of up to 15% and the higher liquidity make Debitum one of the most exciting platforms to consider in 2024.

Debitum is very careful when assessing new lenders, which is why there are only a few long-term partners on the marketplace. These include Evergreen Capital (Estonia), Flexidea (Latvia and Poland) and Triple Dragon (UK). Other lenders include Sandbox Funding and Juno Finance (both Latvia). The platform reached an important milestone in September 2021 when it was granted a licence as an investment brokerage firm.

• Be aware that geopolitical risks, regulations, and force majeure events may negatively impact your portfolio.
• Since then, the platform has been supervised by the Latvian Financial Supervisory Authority and regulated in accordance with MiFID II.
• In addition, many of the lenders represented on Income offer an attractive combination of high interest rates and high liquidity.
• Other lenders include Sandbox Funding and Juno Finance (both Latvia).
• This problem initiated the idea of setting up a marketplace for similar lenders who faced the same issue.

Debitum Token (DEB) vs XinFin Network (XDCE)

In July 2023, Debitum announced a restructuring of the debt in Ukraine via a three-party agreement through SIA DN Funding Alpha (owned by Debitum). The platform introduced a wishful repayment plan that would pay out the outstanding principal within six years after the war in Ukraine was over. Debitum Network is committed to creating utility for the DEB token, providing holders with additional value. While the platform initially offered a few minor services where users could use the tokens, these offerings were limited in scope and impact. On March 13, 2018, the company—then operating under the brand name Debitum Network, managed by Prosperitu SIA—raised $17.2 million from backers. However, the company failed to deliver on the original promises outlined in the Debitum Network whitepaper.

Business Model and Finances

In addition, Debitum discloses the its financial results to investors, providing additional transparency and trust. The owners are the company “ZIdea” with 67% and the company “Amplo” with 33%. Over the years, Debitum has established itself as one of the most popular alternatives in the P2P lending space. In the annual community voting, Debitum has consistently improved its ranking over the past three years. In 2025, it even secured second place among 30 participating P2P platforms.

Debitum Network is an innovative hybrid ecosystem for small business financing – utilizing Ethereum blockchain based process together with principal and interest moved using fiat. The DEB token was discontinued on Debitum Network and removed from the platform before the company’s sale to the new management in 2023. None of the initial backers received any value from purchasing the DEB token in 2018. The funds raised through the token generation event (valued at USD 17.2 million in 2018) were used to build the platform and pay out the shareholders. Debitum Token DEB was developed in 2016 by Martins Liberts, Donatas Juodelis and Justas Saltinis.

Additionally, non-performing loans increase the risk of capital loss. Although a default rate of 4.3% is relatively low, it’s important to monitor the portfolio’s performance and stay updated with the platform’s announcements. As of September 2025, 95.7% of Debitum’s portfolio is performing as expected, with only 4.3% in recovery. Non-performing loans can impact your liquidity and returns on Debitum, as the platform must first recover the debt before you can withdraw or reinvest your funds. If you are looking for a P2P platform that offers high returns, financially sound companies, and investment options suitable for all experience levels, Debitum may be a great choice. The ongoing fulfillment of the buyback guarantee depends largely on the lender’s risk management and financial situation.

Further analyses of other platforms can be found on my P2P Platform Review page. The token page shows information such as price, total supply, holders, transfers and social links. The company backing Fintown has a good track record and excellent payment morale. According to Debitum’s whitepaper, the platform was designed to address the credit gap for small and medium-sized enterprises (SMEs).