I have been working with FinStore since 2019. In general, the site is quite user-friendly. I bought tokens from MAZ, Parkplast, Smart Partner, Finance and Mechanics, Bayan, Global Asset, and Technodor. As a result, in 2021-2023, MAZ, Smart Partner, Finance and Mechanics, and 2 times the Loan were fully and timely paid. From 2022-2023, Parker Plast, 3 Bayans, 2 Global Assets and Technodvor are hanging. No appeals or trials have led to anything. As a result, I lost about three thousand yandex units. I don't risk working with the site any further, and I don't advise others. There are a lot of companies, which one of them will eventually turn out to be normal and decent, it's like guessing the lottery, i.e. the percentage of luck is scanty. In an amicable way, VEB bank should act as a guarantor with obligations to pay for negligent participants, and then let the bank deal with them through the courts (I think it will be easier for the bank than for deceived individuals).
I looked closely at the company for more than a year before investing. There are fewer risks than in the crypt, where you have to constantly dig up a lot of information. I like tokens more and they are more suitable for the risk profile. I studied the company (I am glad that there are different tokens (by currency, percentage, issuers)), assessed the risks, invested money at a fixed percentage and earn income once a month/quarter.
In my opinion, the risk/return ratio is a good platform for portfolio diversification.
Although they work with bonds, the risk is the same as that of stocks. Three years ago, I bought bonds of the Vitebsk Waste Recycling plant on this platform, two years ago there was a repayment - the money was never returned. They send them to the factory on the platform - deal with them. But the factory is silent and is not going to pay.