The European P2P lending market of the mid-2010s was characterised by rapid platform proliferation and a race to offer the highest returns to a retail investor base that was increasingly yield-hungry. Viventor was founded in Riga in 2015 as a marketplace lending platform offering secured and unsecured loans originated by lending companies across Europe and beyond. Its model followed the established Baltic template — retail investors fund loans originated by third-party lenders, with a buyback guarantee providing downside protection for loans that default. Viventor distinguished itself with a focus on secured loans and a loan originator vetting process designed to give investors more confidence in the underlying credit quality. The platform served investors from across Europe during a period when P2P lending was growing faster than the regulatory frameworks designed to govern it. Like many platforms in its cohort, Viventor navigated a challenging period as COVID disrupted borrower repayments and investor sentiment shifted. Its story is part of the broader arc of European marketplace lending — an industry that grew rapidly, matured painfully, and emerged with a smaller but more resilient set of surviving platforms.