A surprising operator that doesn’t even have an escrow account → ...but this is exactly the social lending I had been seeking!

I invest a portion of my surplus funds from FX and Nikkei 225 mini trading into social lending.
As I mentioned before, even after opening an account with a certain social lending platform that had a points site and an affiliate program, and investing an amount ten times the reward conditions, I was severely penalized by having my rewards rejected.

Maneo, which has long been in business and is regarded as the most trustworthy
Lucky Bank, where interest rates are high and a good project can sell out within minutes

Even if I were to make these two my main platforms, I wanted to diversify with other lenders as well, so I opened new accounts, only to be met with the unbelievable treatment I described above.

So I wondered if there might be another trustworthy company out there. It would be great if there were a campaign for opening an account as well.
...So I spent several hours looking into everything.

And one company stood out, very much to my liking.

【That company is Trust Lending】

Negatives often cited
The website is far too minimalistic → some say this is good because they don’t waste money on unnecessary things (I agree)
There is no custodian account, so for each project you have to transfer money from a bank account → some banks offer free transfers, so this isn’t a problem
Few projects → this may indeed be a downside…

Positives often cited
They were originally lenders with a long track record in the lending business
They clearly state the lender’s cut of the interest → because they aren’t ripping people off, they can be transparent (in fact, the lender’s share is relatively modest and conscientious)
Since there is no custodian account, distributions are deposited directly into my bank account

With a straightforward website and no custodian account, they have a long track record among newer social lending platforms, clearly state the lender's share, and provide solid distribution reports, so while the exterior doesn’t look impressive, the substance is solid

And the most important point isthat distributions are deposited directly into my bank account because there is no custodian account.

In typical social lending, you leave money in a custodian account, then invest from there, and distributions go back into the custodian account, so you don’t incur bank transfer fees when you reinvest, which is convenient, right?

But you see, that custodian account isn’t a bank deposit, so it earns zero interest?
Even if you invest a lot and receive several thousand yen per month in distributions, you can’t reinvest that much with only several thousand yen each month, can you?
If it sits and accumulates to 50,000 or 100,000 yen in a zero-interest custodian account before reinvesting, isn’t that wasteful? If they could just deposit directly into my bank account, it would earn interest...

With distributions directly to your bank account, there are no transfer fees, and even if some platforms don’t charge, withdrawing every month for a few hundred to a few thousand yen is a hassle, isn’t it?

Trust Lending, precisely because they do not provide a custodian account, automatically and monthly deposits distributions directly into your bank account.
No waste, no hassle—bank interest can be obtained without missing out. When investing anew, bank transfers are required, but there are many banks (Rakuten Bank, Sumishin SBI Net Bank, Shinsei Bank, etc.) that offer free transfers, right?

Just because the reinvestment fee is free, for how long are they going to hold your money in a zero-interest account?
If you have at least one bank account that allows free transfers, directly transferring to the bank is definitely better


There is a campaign that gives 1500 yen for account opening and newsletter signup, but I invest as well and get an additional 3500 yen!
Investment starts from 100,000 yen, but I personally like Trust Lending’s method, so I invested 300,000 yen.
Opening the account and receiving the documents was possible within two days of applicationDocument dispatch was quick and wonderful

I’m hoping for good things, so please don’t disappoint me~

‘Lucky Bank, where interest rates are high and a project can sell out within minutes’’
has a case on Hapitas where you can open an account and invest and get 1500 yen

【Hapitas, the points site】

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