Hi @bamboo , It's an interesting topic! Thank you What you describe is the treatment for example used for the purchase and sale of stocks. We started investigating this direction, but we abandoned it because of its unsolvable complexity. An amortizable loan is rather different than stock because between the moment you buy and the moment you sell, in most of the cases part of the underlying asset has changed because of the repayment of part of the principal… Let’s take your example of 150 BGN outstanding purchased at 130 BGN. Let’s imagine that you receive 120 BGN repayments until now. Therefore, you own 30 remaining outstanding. You sell 15 BGN of it at nominal value and gets 15 BGN. How do we apply this principle of the average price of purchase? The average price of purchase of these 15 BGN was 13 BGN. Should the tax be 10% of 2 BGN? Hum… This is just one simple example of the multiple situations we hit. So, we abandoned this direction and went for a “simpler” approach, the only one we found applicable to such a hybrid product and justifiable towards the tax authorities. We calculate gain / losses only when the loan is fully sold or fully terminated. Everything we tried to go beyond this option was a dead end. P2P investing is a hybrid product. It does not enter exactly in any of the current financial products covered by the tax regulations and practices. What we have defined is what we believe is the most adequate approach, based on our experience and discussions with a tax specialist. We took this proactive approach to drive our customers in the filling of their tax statement to help them. Although we cannot give you absolute certainty, I truly believe this is an approach which will stand. Regarding your question on the amounts reported, yes, we checked, and they are correct.