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Meta Title : IPTV Portugal : guide & sport en direct | Dirlend Meta Description : Annuaire, bons plans et IPTV : découvrez comment choi...
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Live • $214M funded • 84,213 members
Fund people, not banks. Earn up to 14.9%
dirlend.xyz — dirlend.xyz is the direct-lending marketplace where verified borrowers get fair loans in hours and investors earn monthly passive income. No middlemen. Full transparency. Buyback protection.
★★★★★ 4.9/5
3,412 reviews
3,412 reviews
🛡️ Segregated
EU accounts
EU accounts
⚡ 11 min
Avg approval
Avg approval
+ $1,284.40↗ payout received • just now
11.8% APRnet avg 2019-2026
Portfolio • Auto-Invest ON $24,590 → $27,481
+11.7%
Direct lending ✦ 11.8% avg return ✦ Buyback guarantee ✦ From $10 ✦ 0 fees for investors ✦ 11-min scoring ✦ Direct lending ✦ 11.8% avg return ✦ Buyback guarantee ✦ From $10 ✦ 0 fees for investors ✦ 11-min scoring ✦
Direct lending ✦ 11.8% avg return ✦ Buyback guarantee ✦ From $10 ✦ 0 fees for investors ✦ 11-min scoring ✦ Direct lending ✦ 11.8% avg return ✦ Buyback guarantee ✦ From $10 ✦ 0 fees for investors ✦ 11-min scoring ✦
0M$
Loans funded since 2019
0K+
Active investors & borrowers
11.8%
Net annual return after defaults
0.4%
On-time repayment with buyback
Why DirLend hits differentBankless.
Bankless.
Borderless. Brilliant.
We rebuilt lending from zero: AI scoring, fractional loans, secondary market, auto-invest. You keep the spread banks used to steal.
🤖
AI Scoring 3.011-minute approval, 800 data points
Open banking, income, behavior, device. Our model approves 23% of applications — only the resilient. Default rate 2.1% vs 7.9% industry.
🧩
From $10Fractional loans + Auto-Invest
Split $10 across 1,000 loans in one click. Set grade, term, return — autopilot reinvests principal + interest 24/7.
🛡️
Buyback + CollectionProtected by 3 layers
60-day buyback on B-grade+, segregated accounts, professional collection with 71% recovery. Your capital never sleeps unguarded.
⚡
Secondary marketExit anytime, sell in seconds
No lock-in. List your loan parts on the live market with premium or discount. Average sale time: 3h 12m.
📊
Radical transparencyEvery loan, every payment live
Loan purpose, borrower rating, cashflow, late days — open ledger. Download full statistics, audit reports quarterly.
🌍
For borrowersFair rates from 6.9%, no hidden fees
Freelancers, SMEs, creators: get $500–$50,000 in hours, not weeks. Early repayment free. Build on-chain credit history.
About — our story
We started DirLend because banks take too much.
Founded in 2019 in Tallinn, DirLend (dirlend.xyz) began as 3 friends lending to local makers. Today we are 84,000+ strong across 27 countries — a movement for fair money. Borrowers pay 40% less interest, investors earn 3x more than deposits. Same loan, no banker bonus.
2019 → 2026
From garage MVP to licensed marketplace, $214M moved directly.
Mission
Make credit human: fast, fair, transparent for everyone with a phone.
2019 — The garage loan
First $12,000 to 14 artisans, repaid 100% in 6 months.
2021 — License + Buyback
Regulated entity, segregated accounts, auto-invest launch.
2023 — 50K members
Secondary market, SME loans, mobile app 4.9★.
2026 — DirLend 3.0 on dirlend.xyz
AI scoring 3.0, instant payouts, API for funds.
From signup to payout
01
📝 Verify once
ID + bank connect. AI scores 800 signals. Limit ready in 11 min.
02
📋 Pick or list
Investors filter A+ to D, 7–14.9%. Borrowers list purpose & term.
03
💸 Fund & earn
Money moves directly. Monthly principal + interest to wallet.
04
🔁 Compound
Auto-reinvest, sell on secondary market or withdraw instantly.
| Loan example | Grade | Term | APR | Status |
|---|---|---|---|---|
| ☕ Coffee roaster expansion — Tallinn | A+ 6.9% | 12 mo | 6.9% | ● 100% funded |
| 🚚 E-van for delivery SME | B 11.2% | 24 mo | 11.2% | ● 87% funded |
| 🎨 Creator studio equipment | C 14.9% | 18 mo | 14.9% | ● Open |
Live marketplace peek
Real people.
Real people.
Real returns.
Every loan shows purpose, cashflow, risk grade. No black box. This is what banks never showed you.
- ✅ 2,314 loans live right now
- ✅ $10 minimum, diversify in 1 click
- ✅ Instant withdrawals to 40+ banks
Strategies & rates
Pick your yield
0 fees for investors. Borrowers pay 2.9% origination. No hidden anything.
Conservative
Stable A+ • 7.2%
Top-rated borrowers, buyback, short terms.
- Grade A+ / A only
- Buyback guarantee
- 3–12 months
- Auto-invest included
★ Most popular
Balanced • 11.8%
Our flagship mix, best risk / reward since 2019.
- Grades A–C diversified
- Buyback + collection
- Secondary market priority
- Monthly analytics call
Aggressive
Max C-D • 14.9%
High yield for pros who love volatility.
- Grades C–D, SME boost
- Manual picking tools
- API + early access
- Dedicated manager
Members print money, not excuses
★★★★★
“I moved €15k from 1% deposits to DirLend Balanced. €1,740 last year, paid monthly like clockwork. The transparency is unreal.”
Marta K.
Investor since 2022 • +€4,210
Investor since 2022 • +€4,210
★★★★★
“Bank said 3 weeks. DirLend funded my roastery in 6 hours at 7.1%. We repaid early, zero penalty. Lifesaver.”
Jonas P.
Borrower • Coffee SME
Borrower • Coffee SME
★★★★★
“Auto-invest + secondary market = I exit anytime. Sold €3k in 2 hours with +1% premium. This is fintech done right.”
Aisha R.
Investor • 11.9% XIRR
Investor • 11.9% XIRR
FAQ — no fine printQuestions?
Questions?
Answered.
How does DirLend make money? +
We charge borrowers 2.9% origination + 1% servicing. Investors pay 0 fees. We only profit when loans perform — interests aligned.
What if a borrower defaults? +
60-day buyback repays principal + accrued interest on eligible loans. Then professional collection (71% recovery) + provision fund. Net default after recovery: 1.3%.
Can I withdraw anytime? +
Yes. Sell loan parts on secondary market (avg 3h) and withdraw instantly to bank. No lock, no penalty.
Is dirlend.xyz regulated? +
Yes — licensed crowdfunding provider, segregated client accounts in EU banks, quarterly audits, GDPR + PSD2 open banking.
What do I need to start? +
18+, ID, $10. Signup 3 min, test deposit free. Borrowers need 6+ months income history.
Journal — fresh alpha
Latest news
Market insights, product drops, borrower stories. Updated weekly by our risk desk.
● Limited — 1% cashback October
Start with $10.
Earn by next month.
Free account • 0 investor fees • Withdraw anytime • dirlend.xyz
By joining you agree to Terms & Risk disclosure. Capital at risk, past 11.8% ≠ future.
