Vietnam P2P Lending: 5 Bold Reasons Why Decree 94/2025 Could Empower Millions or Backfire?

A New Financial Chapter Begins in Vietnam One person lends. Another borrows. It’s that simple. No banks. No long lines. No intimidating paperwork. Just people lending people, through a screen, across the country, in real time. This is the promise behind Vietnam P2P lending. And now, Vietnam’s government decided to give this new kind of lending a chance officially after the gray market has been around for some time. Through Decree 94/2025/ND-CP, Vietnam approved a two year trial program for peer-to-peer lending platforms. Starting July 1, 2…