ZOPA stands for Zone Of Possible Agreement, a negotiating term identifying the bounds within which agreement can be reached between two parties.
In 2011 the Peer-to-Peer Finance Association was established, with Zopa as a founding member. They were one of the first P2P lenders in the UK. Zopa was started in 2004 by Giles Andrews, James Alexander, Richard Duvall, David Nicholson, Tim Parlett.

Typical RoI varies from 3.3% to 4.9% but is subject to market conditions. The company used to host an annual celebration in The Cotton Centre for its lenders, so they can all swap notes and tips, but this stopped in 2017.