Short-term consumer lending in Eastern Europe generates yields that European investors rarely see from domestic fixed income — a structural arbitrage that platforms like Swaper were built to bridge. Founded in Riga in 2016 by Wandoo Finance Group, a consumer lending company operating across Poland, Spain, and Georgia, Swaper offers retail investors access to short-duration consumer loans with a buyback guarantee on loans more than 30 days past due. The 30-day buyback threshold — more aggressive than the 60-day standard common among competitors — was a deliberate positioning choice designed to appeal to investors prioritising capital protection. Swaper's integration with its parent group means it operates more like a direct lending vehicle than a true marketplace, with the originator and the guarantee provider being the same entity. That structure simplifies the investor proposition and reduces counterparty complexity, at the cost of concentration risk that more diversified platforms avoid. In the Baltic fintech ecosystem, Swaper is one of the more streamlined representatives of a model that has worked well when the underlying lending operations are sound and the guarantee has genuine backing.