The difference lies in the risk level, return rate, and borrower list. Because the risk in KoinP2P Grade S is lower than in Grade A, the offered return rate is also lower compared to other grades.

Furthermore, due to the stringent curation by the KoinWorks team, partners in KoinP2P Grade S meet two criteria: they have a history of being a Repeat Borrower (without a history of default) and they have a significant social impact on informal workers within their business ecosystem.

An advantage of KoinP2P Grade S is the presence of partner guarantee, where participants in KoinP2P Grade S help ensure smoother repayment.