Revest – Key facts

Evidence DD 46/100
Annual Returns 13.5-16%
Risk HIGH RISK
Regulation Unregulated
Lending model In-house

Data last verified: · How evidence-led scoring works

Short verdict: Revest is one of the more interesting new P2P platforms of 2026. It launched in December 2025, passed €12 million in acquired claims in about ten months and publishes more data than many older platforms do: live statistics, audited accounts of its main lender and a public bond record on the Kazakhstan Stock Exchange. Rates of 13.5% on 25-day consumer loans and 14–16% on business loans, no platform fees, a €10 minimum and a buyback obligation on every claim make it easy to start. The flip side is also clear: Revest is not a regulated investment firm, all current exposure is to one Kazakh lending group, and the track record is still short. I see it as a good high-yield satellite position, not the core of a P2P portfolio.

I checked everything in this review against Revest’s own website, statistics page, loan originator documents, FAQ and Terms of Use on 26 September 2026. Rates, campaigns and originators can change, so the figures shown in your account are the ones that count.

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Revest in 30 seconds

  • Operator: FINTECH PLATFORM d.o.o., registered in Pula, Croatia (reg. no. 060474571). Croatian law governs the Terms of Use.
  • What you buy: claims (receivable rights) on loans issued by verified loan originators, via an Assignment Agreement.
  • Loan types: 25-day short-term consumer loans and business loans from 1 to 24 months.
  • Rates: 13.5% p.a. on consumer loans; 14.0% to 16.0% p.a. on business loans, rising with the term.
  • Minimum: €10 per claim and €10 to deposit.
  • Buyback obligation: applies to all claims on the platform. It is owed by the loan originator, not by Revest.
  • Fees: none for registration, deposits, withdrawals, claim purchases or auto-invest.
  • Liquidity: a secondary market for current claims, sold at par, launched in September 2026.
  • Who can join: residents of the EU, UK and Switzerland aged 18+, with a EUR account in their own name at an EU bank or payment institution.

What Revest is — and what it is not

Revest describes itself as an automated claim acquisition platform. In practice it works like a classic auto-invest P2P marketplace: a lender issues a loan, the corresponding claim is listed on Revest, and your portfolio buys a piece of it. You receive the contractual interest set in the Assignment Agreement, and the lender keeps the rest of its margin.

The legal wording matters. You are not lending money to Revest and you are not holding a deposit. You acquire a contractual receivable from the loan originator (the “Assignor”). Revest runs the platform, keeps the ledger and sends payment instructions to its payment service provider. The Terms of Use state that user funds sit in segregated pass-through settlement accounts at authorised payment service providers, separate from Revest’s own money.

Revest’s FAQ also explains what would happen if the platform itself stopped operating: existing Assignment Agreements stay between you, the originator and the borrower, and Revest would stop concluding new ones. That is the right structure on paper. Like at every unregulated platform, how it would work in practice has never been tested.

How investing on Revest works

There is no manual loan picking. Everything runs through an Auto-Claim portfolio, which keeps the setup quick:

  1. Register and verify your identity (passport or ID card with a chip; a selfie and a live photo of the document).
  2. Add funds by SEPA transfer from an EUR account in your own name.
  3. Create a portfolio: balance, loan type (consumer, business or both), loan originators, business-loan terms, maximum amount per claim and whether it may buy from the secondary market.
  4. Follow allocations, repayments and interest in the dashboard.

You also choose what happens with repayments. There are four strategies: reinvest principal and interest, reinvest principal only and send interest to your balance, or send everything to the available balance. With 25-day consumer claims, the reinvesting option is what keeps money working, because capital comes back roughly every month.

You can pause, edit or delete a portfolio at any time. The change only affects future purchases; claims you already own run until they are repaid or bought back.

Revest interest rates in 2026

According to Revest’s 10 August 2026 announcement and the current homepage, the rate depends on the claim type and term:

  • Consumer loans, 25 days: 13.5% p.a.
  • Business loans, 1 month: 14.0% p.a.
  • Business loans, 3 months: 14.5% p.a.
  • Business loans, 6 months: 15.0% p.a.
  • Business loans, 12 months: 15.5% p.a.
  • Business loans, 24 months: 16.0% p.a.

Interest is calculated on actual days: amount × annual rate × days / 36,500. Some simple gross examples before tax:

  • €1,000 in a 25-day consumer claim at 13.5% earns about €9.25 per cycle.
  • €1,000 in a 12-month business claim at 15.5% earns about €155 in a year, paid monthly (roughly €13 per month).
  • €1,000 in a 24-month business claim at 16% earns about €160 per year, with principal back at maturity.

Consumer claims pay principal and interest together at the end of the 25 days. Business claims now pay interest every month and principal at maturity, which gives a steadier cash flow.

The statistics page reports an average actual return of 14.2% on repaid claims. That fits the rate card and is a useful sign that the headline numbers are being paid, but it is still a young figure from a period with no serious stress.

Real data: Revest statistics as of September 2026

One thing I like about Revest is that it does not hide its numbers. The public statistics page (snapshot of 26 September 2026, data since 1 December 2025) shows:

  • €12.46 million in total acquired claims, across 116,727 claims.
  • €7.85 million already repaid and €3.76 million outstanding.
  • €101,634 in contractual interest paid to users.
  • 786 active users.
  • Claim status: 91.84% current, 4.37% 1–15 days late, 3.79% 16–30 days late. Nothing is shown beyond 30 days, which is consistent with the buyback kicking in at that point.
  • Buyback in action: 16,382 claims (20.7% of repaid claims), worth €1.84 million, were settled through the buyback obligation.
  • Exposure by originator: GMoney 51.96%, GMoney Group 31.75%, MoneyPlus 16.29%.
  • Exposure by type: 68.25% short-term consumer loans, 31.75% business loans.

Growth has been quick: acquired claims went from about €0.5 million at the end of March 2026 to over €9.6 million at the end of August, and Revest passed the €10 million mark in early September. The buyback figure deserves a second look in both directions. It shows the guarantee is actually being honoured at scale, which is positive. It also shows that about one in five claims needs it, so the originator’s ability to keep paying is what really protects you.

Who are the loan originators?

All current originators belong to the same Kazakh lending group. That keeps the picture simple and well documented, but it also means Revest is effectively a single-group exposure today.

GMoney (MFO Unicredo LLP). A fully online consumer lender operating in Kazakhstan since 2019, with more than 118,000 clients in its database. Revest publishes its overview, an H1 2026 management report and audited FY2025 financial statements with the auditor’s report. In H1 2026 GMoney reported total assets of KZT 5.81 billion, a net loan portfolio of KZT 2.95 billion, equity of KZT 1.24 billion and profit before tax of KZT 431.5 million. Revest itself points out that this profit was helped by KZT 355.8 million in provision reversals and KZT 140.3 million in FX income, while interest income fell versus H1 2025 — an unusually candid note for a platform blog.

GMoney also has a public funding record. Since 2023 Unicredo has issued bonds on the Kazakhstan Stock Exchange (KASE) in KZT and USD. Four series (MFUCb2, MFUCb4, MFUCb5 and MFUCb6) have been fully redeemed, and four are active, including MFUCb10, a KZT 4 billion issue launched in July 2026. For a P2P investor, a lender that repeatedly repays listed bonds is a stronger signal than a slide deck.

MoneyPlus MFO LLP. A licensed Kazakh microfinance company, registered in 2023 and licensed in 2025, on Revest since April 2026. At the end of 2025 it had a KZT 709.9 million loan portfolio (+168% in the year), net profit of KZT 79.3 million (vs KZT 34.5 million in 2024) and equity of KZT 327.7 million, 35.8% of total assets. In H1 2026 total assets reached KZT 1.20 billion. Revest publishes its H1 2026 management report; there are no public bond issues yet.

GMoney Group (GM Group Limited). A holding company founded in 2025 that funds the group’s Kazakh lenders. This is where the business-loan claims come from, at 14.0% and up depending on the term. It is worth being precise here: these are not loans to independent small businesses but financing to the group itself, used for its lending companies and their development. The higher rate pays you for a longer term and for group-level risk.

Currency. Consumer loans are issued in tenge (KZT), while you invest and get paid in euro. Revest says the applicable agreement defines how the currency risk is handled, and that EUR business loans carry no EUR/KZT exposure. I would read the Assignment Agreement on this point before investing larger amounts.

Buyback obligation: how it protects you

Revest’s FAQ states that the buyback obligation applies to all claims on the platform: if a borrower is late for longer than the period set in the Assignment Agreement, the loan originator must repurchase the claim. Independent reviews describe this as the 31st day of delay, and Revest’s own statistics show no claims beyond 30 days late. If a claim is sold on the secondary market, the buyback obligation moves with it to the buyer.

This is a real strength for investors who do not want to chase collections. It is also important to understand what it is not. The Terms of Use say plainly that the buyback is owed only by the originator, that Revest is not a guarantor, and that the value of the obligation depends on the originator’s ability to pay. With one group behind all claims, the buyback is exactly as strong as that group.

Secondary market and liquidity

Consumer claims already turn over every 25 days, so liquidity on that side is naturally good. For the longer business claims, Revest launched a secondary market in September 2026. The rules are simple:

  • Only current, performing claims can be listed; late claims cannot.
  • Claims are sold at remaining principal value, with no premium or discount.
  • A buyer must take the full listed amount.
  • Purchases happen only through Auto-Claim portfolios that match the claim, and secondary claims are served before new primary ones.
  • A listing can be cancelled until it is matched. A sale is not guaranteed.

It is a useful exit route, but it depends on demand. If you pick 12- or 24-month claims, plan as if you will hold them to maturity.

Fees, deposits and withdrawals

Revest’s price list is short: registration, deposits, withdrawals, claim purchases, automatic allocation and platform service are all free. Your bank may charge for transfers or currency conversion.

  • Deposits by SEPA only, from an EUR account in your own name at an EU bank or payment institution. Transfers usually arrive in 1–3 business days.
  • Withdrawals go back to a verified bank account you already deposited from. The Terms of Use set a €50 minimum; Revest says funds normally reach your bank within 2–3 working days.
  • Revest does not withhold tax on interest. You declare it in your country of residence.

Revest bonus: cashback and refer-a-friend

Revest has a new cashback campaign running from 5 October to 30 November 2026, with up to 6% cashback on eligible claim acquisitions (checked on Revest’s website on 26 October 2026). The cashback is a one-off rate paid on top of the claim’s interest, based on the claim’s original term:

  • 25 days and 1 month: 0.25%
  • 3 months: 1%
  • 6 months: 2%
  • 12 months: 4%
  • 24 months: 6%

Revest’s own example: an eligible €1,000 acquisition with a 24-month term at 6% earns €60 of cashback. You choose how it is paid: Instant is the default, also for existing portfolios, and credits the full cashback to your wallet right after the purchase; with Flexible, the cashback accrues by the days you hold the claim and is paid together with the claim payments.

Eligible purchases on the secondary market also qualify. If you sell before maturity, the cashback for the remaining period is deducted from the sale proceeds. Revest’s announcement speaks only of “eligible acquisitions” and does not state a minimum, a cap or a restriction to new investors, so check the exact conditions in your account before you invest.

The cashback can be combined with the refer-a-friend programme, which is unchanged: if a friend registers with your link and buys claims within 30 days, both of you receive 0.5% of the amount the friend invested (minimum €10).

The campaign ends on 30 November 2026; cashback already allocated keeps being paid after that date. Unless Revest announces something new, only the refer-a-friend programme will remain after 30 November. The previous campaign (10 August to 30 September 2026) has ended; Revest has run several cashback campaigns since March 2026, so check before you invest whether one is live.

Check the current Revest offer →

Is Revest safe? Regulation and the risks to know

Revest is not authorised as an investment firm, crowdfunding provider or payment institution, and says so clearly in its website footer and Terms of Use. There is no deposit guarantee and no investor compensation scheme for claims. Your recourse in case of loss is contractual, against the originator.

What Revest does well is make the risks visible: the key lender is audited and listed as a bond issuer on KASE, reports are published on the originator page, and the statistics page is updated regularly. That transparency is above average for a platform of its age. The main risks I would keep in mind are:

  • Concentration: GMoney, MoneyPlus and GMoney Group are all Kazakh and linked to the same group. Independent reviews also report that Revest’s founder, Yuriy Kan, holds a stake in Unicredo, the company behind GMoney.
  • Originator and buyback risk: the buyback is only as good as the group’s cash flow.
  • Short track record: less than a year of operations, with no downturn yet.
  • Business-loan structure: longer claims fund the group itself, so you carry group-level risk for up to 24 months.
  • Currency and country risk: KZT loans, Kazakhstan’s economy and regulation.
  • Platform risk: an unregulated platform under Croatian law, whose wind-down process has never been tested.

Team and management

Revest is led by Vadims Marinecs, who became CEO in July 2026. He was previously involved in Revest’s product development and has more than 15 years in lending and P2P finance, including roles at Bigbank, Privatbank and Estateguru. He took over from Dainis Rupainis, who led the launch phase. The founder is Yuriy Kan, and the team includes a financial analyst (Artūrs Jankovičs, who joined in August 2026) and a head of customer support. Support is available in English by email and live chat.

A change of CEO seven months after launch is not a red flag by itself, especially with a planned handover, but it is one more reason to keep following the platform’s updates.

Who is Revest for?

Revest makes most sense for investors who already have a diversified P2P or investment portfolio and want a high-yield, hands-off satellite position with frequent repayments. The €10 minimum, zero fees and 25-day cycle make it easy to start small and see how repayments and buyback behave with your own money. Investors looking for alternatives to other platforms with Kazakh loan exposure will also find the fully public data useful for comparison.

It is not a fit for an emergency fund, for anyone who wants an EU-regulated platform, or for investors who are not comfortable with most of their exposure depending on a single lending group.

Revest FAQ

Is Revest legit?

Yes, Revest is a real operating platform run by FINTECH PLATFORM d.o.o. in Croatia. It publishes live statistics, loan originator reports and audited financial statements for its main lender. It is not regulated as an investment firm, so it does not offer the protections of a licensed provider.

Is Revest regulated?

No. Revest states that it is not authorised as an investment firm and does not provide regulated financial, crowdfunding or payment services. User funds are handled through third-party payment service providers in segregated accounts.

How does the Revest buyback work?

If a borrower pays late beyond the period set in the Assignment Agreement, the loan originator must buy back the claim. It applies to all claims on Revest, but it is an obligation of the originator, not a guarantee from Revest.

Can I sell my claims before maturity?

Yes, current and performing claims can be listed on the secondary market at their remaining principal value. A sale depends on other users’ demand and is not guaranteed; late claims cannot be sold.

What is the minimum investment on Revest?

€10 per claim, for both consumer and business loans. The minimum deposit is also €10; the minimum withdrawal in the Terms of Use is €50.

Is Revest the same as Reinvest24?

No. Revest (revest.group) is a Croatian claim platform for Kazakh loans launched in 2025. Reinvest24 is a separate Estonian real-estate crowdfunding platform. The names are similar, but the companies are unrelated.

Final opinion: a transparent newcomer, sized as a satellite

Revest has done a lot right in its first year: clean auto-invest, no fees, short 25-day cycles, monthly interest on business claims, a working secondary market and unusually open data on both the platform and its lenders. The 13.5–16% rates are high, and so far they are being paid, with the buyback visibly doing its job.

The limits are just as clear: a single Kazakh lending group, no regulation and less than a year of history. If you like what you read, the sensible way in is the one Revest itself makes easy: start with a small amount, let a few 25-day cycles run, read the originator reports, and only then decide how big Revest should be in your portfolio.

Start with Revest from €10 →

Disclosure: this link may be an affiliate link. If you register through it, P2PRadar may receive a commission at no extra cost to you. It does not change this review’s risk assessment. Capital is at risk; past returns do not guarantee future results.