Data Integrity, Verification Tiers & Standardization Methodology
Technical specification for collecting, normalizing, and cross-auditing European P2P lending data.
The 3-Tier Data Provenance Hierarchy
Every platform tracked on Crowdiz is tagged with an explicit verification tier indicating data provenance, latency, and pipeline authenticity.
Direct API Verified
Real-time automated ingestion directly from platform core backends via authenticated REST/GraphQL feeds. Zero human intermediaries, eliminating reporting lag and revision skew.
Audited Public Data
Extracted from published statutory monthly portfolio sheets, audited annual financial statements, and regulatory filings submitted to national competent authorities (NCAs) & ESMA.
Public Aggregation
Collated from public self-reported platform dashboards, filings, and press releases. Subject to algorithmic anomaly screening while awaiting verified API onboarding.
Standardization Formulas & Math Models
Platforms often compute yields and defaults idiosyncratically. Crowdiz applies rigorous mathematical normalization to ensure genuine apples-to-apples comparison.
Volume-Weighted Average Net Yield (VWANY)
Simple averages are misleading when small high-risk loans distort portfolio yields. We weight each tranche by active principal outstanding, minus platform servicing / exit fees.
VWANY = ( ∑ [ V_i × (r_i - f_i) ] ) / ∑ V_iStandardized Delinquency Rate (60+ DPD Standard)
Platforms often classify default only after 90 days or formal insolvency. In adherence to EBA regulatory guidelines, Crowdiz standardizes default status at 60+ Days Past Due across all originators.
DR_(60+) = ( V_delinquent_60+ + V_written_off ) / V_total_originatedNet Capital Recovery Ratio (RR)
The net percentage of defaulted principal recovered and distributed to investors within an 18-month resolution horizon, net of restructuring fees and legal expenses.
RR = ( Principal_Recovered - Recovery_Costs ) / Principal_DefaultedPlatform Liquidity Index (PLI)
Composite score evaluating an investor’s ability to liquidate holdings prior to maturity, weighted by secondary market turnover volume, average price discount spread, and cash-out processing speed.
PLI = 0.5 × (Sec_Volume / Total_Volume) + 0.3 × (1 - Avg_Discount) + 0.2 × T_cashoutRegulatory Scope: ECSPR (EU 2020/1503) & MiFID II
Harmonized European standards for crowdfunding service providers and investor protection.
1. ECSPR Regulation (EU 2020/1503)
The European Crowdfunding Service Providers Regulation establishes cross-border passporting and strict disclosure mandates, requiring platforms to maintain audited annual default statistics, independent depository segregation, and standardised Key Investment Information Sheets (KIIS).
2. Neutrality & Non-Advisory Role
Crowdiz operates exclusively as an open market intelligence aggregator and analytics layer. We do not intermediate funds, offer investment advice, or execute trades. Our role is strictly empirical: standardizing public and direct API telemetry for transparency.
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