Trust is the fundamental problem in peer-to-peer lending — investors need to trust that the loans they're funding will be repaid, and that the platform managing them has the operational capability and financial strength to honour its commitments when they don't. PeerBerry was founded in Vilnius in 2017 by the Aventus Group, a consumer lending company with operations across multiple Eastern European markets, which gave the platform something most P2P startups lack: a captive supply of loans from a group it already controlled. That vertical integration — originator and marketplace in one structure — gave PeerBerry a stability that pure marketplace models struggle to achieve. Its buyback obligation covered loans more than 60 days past due, and the Aventus Group's guarantee added another layer of protection for investors. PeerBerry grew to become one of the larger European P2P platforms by funded volume, attracting investors from across the continent with returns in the eight to twelve percent range. In a market defined by platforms that made ambitious promises and occasionally failed to keep them, PeerBerry's relatively straightforward structure and group backing made it a reference point for investors looking for yield with a credible safety net.