Income Insights

Episode 18 I 2025 Recap and 2026 Outlook

In this episode, we cover: * How Income performed in 2025 and why it earned a 7/10 rating * What changed behind the scenes in loan originator onboarding and supply management * Why institutional investors became a key (but mostly invisible) milestone last year * New loan originators added in 2025 and how the selection process works * Revenue growth, ClickCash recovery, and the path toward profitability * What investors can expect in 2026: secondary market, 2FA, new originators, and AUM targets Key takeaways: * Income focused on strengthening fundamentals in 2025, even at the cost of slower short-term growth * Institutional capital is emerging as a complementary growth pillar alongside retail investors * The platform is targeting €50–60M in assets under management by the end of 2026 Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

Episode 17 I Lender Updates I Business as Usual

Key Topics Covered: Market Overview – Income’s AUM remains steady at €22.4M, largely due to Danarupiah’s portfolio reduction following new APR caps in Indonesia. Kimmo explains the reasons behind the temporary stagnation and why the team remains confident in future growth. Lender Updates – * ITF Group leads with €6.6M under management, showing strong institutional demand. * Ibancar continues stable cooperation at €3.5M. * Virtus Lending expands to €3M while exploring new markets. * Simpleros (Spain) and Autofino (Lithuania) join as new lenders with gradual growth plans. * Sandfield strengthens its position in litigation finance, now at €3M with timely repayments. Market Dynamics & Returns – With institutional liquidity increasing, P2P yields are tightening. Kimmo reflects on how Income maintains credit quality and competitiveness even as market rates shift. Crowdfunding & Development Priorities – The recent crowdfunding round raised €180K, which will support the secondary market launch, platform speed improvements, and security enhancements. Looking Ahead – Income plans to onboard 1–2 more lenders by year-end and explore offering its ledger technology to institutional partners — marking the next step in platform evolution. Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

Episode 16 I IT Infrastructure I IT Security I Secondary Market

In this episode, Denny Neidhardt talks with Income’s CTO Jüri Pruulmann about the technology powering the platform. Jüri shares the origin and design of the proprietary “Time Machine” engine that ensures transparency, reliability, and traceability in all transactions. The discussion covers how Income scales its infrastructure, the approach to IT security, how lender integrations are handled, and why performance is continuously being optimized. They also dive into what’s coming next—including the secondary market, 2FA, and backend enhancements—made possible through the upcoming crowdfunding raise.   Topics discussed: * Origins of the Income IT system and “Time Machine” ledger engine * Infrastructure scaling and performance strategy * Loan originator API integrations and validation safeguards * IT security practices and investor account protection * Planned features: secondary market, 2FA, and system speed improvements Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

Episode 15 I Visiting DanaRupiah

Key Topics Covered in Episode 15:  Denny’s On-Site Visit – Before the recording, Denny spent four hours discussing DanaRupiah’s key financial metrics and investment outlook, offering firsthand insights into the company’s operations. Christine’s Background & Founding of DanaRupiah – Christine shares her journey from studying in China to returning to Indonesia to co-found DanaRupiah with WeShare Group’s backing. Market Entry & Early Challenges – Entering Indonesia’s fintech space before regulations were in place, DanaRupiah navigated an unstructured lending environment and established itself in the consumer loan segment. Regulatory Adaptation – With Indonesia later implementing P2P lending regulations, DanaRupiah had to adjust its business model and compliance strategies to meet evolving requirements. Loan Origination & Risk Management – Christine explains how DanaRupiah assesses borrower risk, maintains healthy loan performance, and ensures investor confidence through structured lending practices. DanaRupiah’s Future on Income – Christine reaffirms DanaRupiah’s commitment to Income Marketplace, emphasizing future refinements in risk management and potential expansions.   Tune in for an inside look at DanaRupiah’s evolution, challenges, and plans for the future on Income! Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F

Episode 14 I Outlook on 2025

Key Topics Covered: Growth & Profitability – Income targets €35-40M in AUM for 2025, a key milestone for profitability. Loan Originators & Market Expansion – Plans to onboard six new loan originators, with Kosovo and Lithuania lenders near launch. Expansion into Colombia, Indonesia, Mexico, and the Philippines. Investor Strategy – Income is planning to increase institutional investor onboarding alongside retail investors. Crowdfunding Campaign – Aiming to raise €250K to fund a secondary market, platform improvements, and team expansion. ClickCash Recovery – Income is prepared to bridge payments while ClickCash seeks funding. Regulation – Estonia lacks a framework for Income’s model; alternative licensing in Lithuania is being considered. Execution Focus – The team is set on delivering new features and strategic growth. Tune in for more engaging discussions in future episodes of Income Insights!   Learn more about the Podcast: https://getincome.com/blog/podcast/ New to Income? Sign up with a bonus: https://getincome.com/register?ref_code=R5BE1F