Germany resident with €70k in ETFs. Is allocating another €37k to European lending platforms too much?

I live in Germany and currently have about €70,000 invested entirely in ETFs. Over the next two years I plan to invest approximately another €37,000, and I’m deciding whether to keep adding that money to ETFs or allocate part of it to European lending platforms. The platforms I’m currently comparing are Maclear, Debitum Investments, and Mintos. I understand that they do not all use exactly the same investment structure, so I’m not treating them as interchangeable. I’m trying to determine whether