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Top 25 Peer to Peer Startups to Watch in 2026

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The peer to peer model connects individuals directly, cutting out traditional middlemen. This approach is being used in many sectors, from finance and crypto to transportation and fashion.

Companies like Zopa have raised significant capital, with $1.2 billion in funding for its lending platform. Others, such as Turo, apply the model to different areas like car sharing, having raised over $570 million.

Below is our list of 25 Peer to Peer startups worth keeping an eye on.

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Mutuum operates a decentralized, non-custodial liquidity protocol where users can lend, borrow, or liquidate digital assets. The platform facilitates peer-to-peer transactions on the blockchain, enabling participants to earn interest or access capital without traditional intermediaries.

Headquarters
Year Founded
Founders
Funding Amount$16.7M
Startup Size
Last Funding StatusInitial Coin Offering
Top Investors

Beehive operates a peer-to-peer lending platform that connects businesses seeking finance with investors. Their marketplace is designed to build mutually beneficial partnerships, giving companies access to growth capital and investors a way to support regional enterprises.

HeadquartersDubai, Dubai, United Arab Emirates
Year Founded2014
FoundersCraig Moore
Funding Amount$151.6M
Startup SizeMid-Size Team (51-250)
Last Funding StatusDebt Financing
Top InvestorsGoldman Sachs Bank USA, Riyad TAQNIA Fund (RTF), Dubai SME, Magellan Capital

Zopa runs a digital bank that gives customers access to personal loans, credit cards, and savings accounts. They first gained recognition for creating one of the world's first peer-to-peer lending marketplaces.

HeadquartersLondon, England, United Kingdom
Year Founded2005
FoundersDave Nicholson, Giles Andrews, James Alexander, Richard Duvall, Tim Parlett
Funding Amount$1.2B
Startup SizeLarge Team (251-1,000)
Last Funding StatusDebt Financing
Top InvestorsBessemer Venture Partners, Northzone, Benchmark, JP Morgan Chase, SoftBank Vision Fund

BitPay provides enterprise-grade payment solutions for businesses looking to accept bitcoin and other cryptocurrencies. Their platform manages the entire transaction process, allowing merchants to receive direct bank settlements without handling the crypto themselves.

HeadquartersAtlanta, Georgia, United States
Year Founded2011
FoundersAnthony Gallippi, Stephen Pair
Funding Amount$114.3M
Startup SizeMid-Size Team (51-250)
Last Funding StatusSeries B
Top InvestorsMenlo Ventures, Founders Fund, Index Ventures, Aquiline Capital Partners, Bossa Invest

Turo built a peer-to-peer car-sharing marketplace that lets customers book vehicles directly from a community of local hosts. The platform gives renters access to a diverse selection of cars and provides owners with a way to earn money from their assets.

HeadquartersSan Francisco, California, United States
Year Founded2009
FoundersNabeel Al-Kady, Shelby Clark, Tara Reeves
Funding Amount$570.1M
Startup SizeLarge Team (251-1,000)
Last Funding StatusSecondary Market
Top InvestorsG Squared, Kleiner Perkins, Mercedes-Benz Group AG, Canaan Partners, 137 Ventures

Finery Markets operates a multi-dealer electronic marketplace for institutional participants in the crypto markets. They provide a suite of trading solutions to help institutions manage digital assets and navigate market risk.

HeadquartersLimassol, Limassol, Cyprus
Year Founded2019
FoundersIlia Drozdov, Konstantin Shulga
Funding Amount$5.5M
Startup SizeLean Team (11-50)
Last Funding StatusSeed
Top Investorsgumi Cryptos Capital (gCC), APA Venture Partners, Unlimit, Floating Point Group, Shima Capital

Pickle runs a peer-to-peer marketplace where users can rent trendy outfits from others in their local community. The platform is designed to make fashion more sustainable and accessible by connecting closets within the same neighborhood.

HeadquartersNew York, New York, United States
Year Founded2021
FoundersBrian McMahon, Julia O'Mara
Funding Amount$20M
Startup SizeLean Team (11-50)
Last Funding StatusSeries A
Top InvestorsCraft Ventures, FJ Labs, FirstMark, Burst Capital

Skillshare has built an online learning community focused on project-based classes for creative and curious people. The platform is recognized for its vast library of on-demand video lessons taught by practicing experts in fields like design, photography, and freelancing.

HeadquartersNew York, New York, United States
Year Founded2010
FoundersMalcolm Ong
Funding Amount$136.8M
Startup SizeMid-Size Team (51-250)
Last Funding StatusPrivate Equity
Top InvestorsBoxGroup, Founder Collective, Union Square Ventures, SV Angel, Collaborative Fund

Estateguru operates a real estate financing and investment platform, making property-backed loans attainable for retail investors. Their marketplace connects vetted property developers seeking funding with a global community of investors.

HeadquartersTallinn, Harjumaa, Estonia
Year Founded2013
FoundersJulian J. Kaljuvee, Kaspar Kaljuvee, Marek Partel
Funding Amount€12.7M
Startup SizeMid-Size Team (51-250)
Last Funding StatusUndisclosed
Top InvestorsSpeedinvest, Verve Ventures, Startup Wise Guys, Pario Ventures, TMT Investments

Primex Finance is building a decentralized prime brokerage protocol that connects lenders, traders, and market makers. Their cross-chain platform enables spot margin trading with a CEX-like feel, allowing traders to access leverage and lenders to earn yield on their deposits.

HeadquartersTallinn, Harjumaa, Estonia
Year Founded2021
FoundersDmitry Tolok, Vlad Kostanda
Funding Amount$5.7M
Startup SizeLean Team (11-50)
Last Funding StatusSeed
Top InvestorsCoinFund, GSR, GoldenTree Asset Management, Mask Network, LedgerPrime

15 Additional Peer to Peer Startups Worth Following

The top 10 are just a small part of the story. Many other companies are making their mark, particularly in fintech, and have collectively raised over $650 million.

Some are just getting started while others are already growing quickly. Here is a look at the other startups shaping the peer-to-peer space.

StartupMain IndustryYear FoundedAmount RaisedLast Funding Round
CapBay logo CapBayFintech2016$27.6MCorporate Round
LenDenClub logo LenDenClubFintech2015$11.6MSeries A
Hive logo HiveCloud2021€24.3MSeries A
CanYa logo CanYaCrypto2015$13.5MInitial Coin Offering
RaiseNow logo RaiseNowNonprofit2015$6MSeries A
Brainly logo BrainlyMedia2009€148.5MSeries D
Finexkap logo FinexkapFintech2012$58MVenture Round
Raqamyah Debt Crowdfunding logo Raqamyah Debt CrowdfundingFintech2018$6.9MSeries A
Swiftcourt logo SwiftcourtEnterprise2016$3.5MSeed
Drivemate logo DrivemateMobility2016$2.2MSeries A
Tuandaiwang logo TuandaiwangFintech2012CN¥2.4BPrivate Equity
Virtue Poker logo Virtue PokerCrypto2016$5MVenture Round
GiveAway logo GiveAwayMarketplace2019$630kPre-Seed
Camptoo logo CamptooTravel2014€1.4MEquity Crowdfunding
DoFinance logo DoFinanceFintech2016€2MSeed

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