Aktionariat Switzerlend AG Shares (LENDS)

Rank #2115

Aktionariat Switzerlend AG Shares, with ticker LENDS, is associated with the RWA ecosystem and the use of technology to enable credit operations. lend.ch, a Swiss P2P crowdlending platform, directly connects borrowers and investors, avoiding traditional bank intermediation.

How lend.ch's P2P model works

At lend.ch, banks are no longer part of the chain between those seeking financing and those providing capital. This structure tends to reduce operating costs, passing gains on to borrowers and investors.

The system organizes loans between individuals and enables operations with different borrower profiles, such as private loans and loans for SMEs, as well as mortgages. Thus, investors can build a diversified portfolio by participating in multiple projects with smaller contributions.

What LENDS is used for in practice

The goal of the solution is to modernize the credit market by creating a “fairer” and technology-driven alternative for Switzerland. For borrowers, the process is described as fast, simple, and carried out entirely online, with no need to visit branches.

For investors, there is the possibility of investing from CHF 500 per project and choosing a composition aligned with their own risk profile. The platform also offers a “Robo” feature to automate portfolio construction and capital reinvestment according to criteria defined by the investor.

Risk classification and digital flow

lend.ch assigns individual credit scores based on information from the borrower and third-party providers. The results are mapped into risk categories A to D, linked to interest rate ranges.

With this, the platform seeks to structure credit offers based on risk levels and provide an online flow that eliminates in-person steps.