Mintos
Multi-Asset~12% Renditen
Vorteile
- Largest platform
- Regulated
- €20K protection
- Many loan types
Nachteile
- Complex for beginners
- Past defaults
Urteil
The most established P2P platform in Europe. Great for diversification.
Finde Deine Perfekte P2P-Plattform
Unabhängiger Vergleich mit steuerlichem Rechner.
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Platforms
0%
Max Yield
0%
Avg Return
Vergleich (24)
| Kategorie | Reg | Bonus | Registrieren | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Verbraucher | 7.5-10.5% | 3/10 | None | 0.25% Signup Bonus 0.25% bonus on net investments during first 90 days | €5 | Registrieren |
| Nectaro | Verbraucher | 14.9% | 6/10 | MiFID II · Latvijas Banka | 1% Cashback First 30 days • Max €1,000 | €50 | Registrieren |
| PeerBerry | Verbraucher | 11% | 2/10 | ECSP | 0.5% Welcome + Bis zu 1% VIP Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1% | €10 | Registrieren |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Bis zu 350€ Fester Bonus GO- promo code • New investors • Invest within same calendar month • 90-day hold | €50 | Registrieren |
| Digilo | Immobilien | 9-12% | 5/10 | ECSP | 1% Cashback 1% Empfehlungs-Cashback auf Primärmarkt-Investments in den ersten 60 Tagen • Beide Parteien | €150 | Registrieren |
| Mypeak.finance | Business | up to 16% | 8/10 | None | — | €1 | Registrieren |
| Afranga | Business | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Registrieren |
| InRento | Immobilien | ~12% | 2/10 | Lithuanian CB | 20€ Fester Bonus First project • Min €500 | €100 | Registrieren |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Bis zu 5% Cashback July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026) | €100 | Registrieren |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Registrieren |
| Lendermarket | Verbraucher | ~14% | 6/10 | None | 75€ Fester Bonus Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties | €10 | Registrieren |
| Maclear | Business | up to 15.6% | 3/10 | ECSP | 15€ + 3% Cashback €15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days | €50 | Registrieren |
| Modena | Verbraucher | 8.5-11% | 2/10 | Regulated | 25€ Fester Bonus + Bis zu 1% Cashback €25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000 | €50 | Registrieren |
| Viainvest | Verbraucher | ~11.8% | 2/10 | Regulated | 15€ Fester Bonus Referral link: invest at least €1,000 within 90 days • Both parties | €10 | Registrieren |
| Income Marketplace | Verbraucher | ~13% | 3/10 | None | 1.0% Cashback 1% of the 30-day weighted average investment • Min €10 • Max €500 | €10 | Registrieren |
| LANDE | Landwirtschaft | up to 14% | 6/10 | None | 3% Cashback Primary Market investments during first 30 days | €50 | Registrieren |
| Debitum | Business | ~10% | 2/10 | Regulated | 20€ + Bis zu 2% Loyalty Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier | €50 | Registrieren |
| Bondora | Verbraucher | ~6% | 1/10 | Regulated | 5€ Fester Bonus New investor: €5 • Referrer: €5 after €50 invested within 30 days | €1 | Registrieren |
| Revest | Immobilien | up to 13% | 5/10 | None | 0.5% Cashback Invest at least €10 within first 30 days • Both parties | €0 | Registrieren |
| SAVY | Verbraucher | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Registrieren |
| Letsinvest | Immobilien | up to 12% | 5/10 | ECSP | — | €100 | Registrieren |
| Bondster | Verbraucher | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Registrieren |
| Asterra Estate | Immobilien | up to 14% | 6/10 | None | 1% Cashback Referral link: manual investments during first 90 days • Both parties | €100 | Registrieren |
| FF Forest | Landwirtschaft | up to 18% | 8/10 | None | — | €500 | Registrieren |
| EtherFi | Crypto Staking | Variable APY | 8/10 | None | — | €0 | Registrieren |
| 8lends | Crypto Lending | Variable | 9/10 | None | 30 USDC + 6% 8LNDS Welcome: 30 USDC after signup/first investment • 6% 8LNDS cashback on investments • Referral bonus 6% of friend investments for 45 days | €100 | Registrieren |
Monefit SmartSaver
Consumer
❌
Renditen
7.5-10.5%
Risk Score
3/10
Buyback
❌
Min Inv.
€5
Bonus
0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
0.25% bonus on net investments during first 90 days
Digilo
Real Estate
✅
Renditen
9-12%
Risk Score
5/10
Buyback
❌
Min Inv.
€150
Bonus
1% Cashback
1% Empfehlungs-Cashback auf Primärmarkt-Investments in den ersten 60 Tagen • Beide Parteien
1% Empfehlungs-Cashback auf Primärmarkt-Investments in den ersten 60 Tagen • Beide Parteien
Mintos
Multi-Asset
✅
Renditen
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
Bis zu 350€ Fester Bonus
GO- promo code • New investors • Invest within same calendar month • 90-day hold
GO- promo code • New investors • Invest within same calendar month • 90-day hold
PeerBerry
Consumer
✅
Renditen
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Welcome + Bis zu 1% VIP
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Esketit
Consumer
❌
Renditen
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback + Bis zu 1% Loyalty
Referral: 1% of first investment within 30 days, max €1,000 • Loyalty: +0.5–1% from €25,000
Referral: 1% of first investment within 30 days, max €1,000 • Loyalty: +0.5–1% from €25,000
Nectaro
Consumer
✅
Renditen
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
First 30 days • Max €1,000
First 30 days • Max €1,000
Mypeak.finance
Travel
❌
Renditen
up to 16%
Risk Score
8/10
Buyback
❌
Min Inv.
€1
Afranga
Business
✅
Renditen
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Renditen
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Fester Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Renditen
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Bis zu 5% Cashback
July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026)
July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026)
Triple Dragon
Gaming
❌
Renditen
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
Invest within 60 days • Both parties
Invest within 60 days • Both parties
Lendermarket
Consumer
❌
Renditen
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
75€ Fester Bonus
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
Maclear
Business
✅
Renditen
up to 15.6%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bonus
15€ + 3% Cashback
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
Modena
Consumer
✅
Renditen
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Fester Bonus + Bis zu 1% Cashback
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
Viainvest
Consumer
✅
Renditen
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
15€ Fester Bonus
Referral link: invest at least €1,000 within 90 days • Both parties
Referral link: invest at least €1,000 within 90 days • Both parties
Income Marketplace
Consumer
❌
Renditen
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bonus
1.0% Cashback
1% of the 30-day weighted average investment • Min €10 • Max €500
1% of the 30-day weighted average investment • Min €10 • Max €500
Ventus Energy
Energy
❌
Renditen
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bonus
1% Cashback
Funds allocated within first 60 days • Both parties • Credited instantly
Funds allocated within first 60 days • Both parties • Credited instantly
LANDE
Agricultural
❌
Renditen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bonus
3% Cashback
Primary Market investments during first 30 days
Primary Market investments during first 30 days
Debitum
Business
✅
Renditen
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
20€ + Bis zu 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Bondora
Consumer
✅
Renditen
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ Fester Bonus
New investor: €5 • Referrer: €5 after €50 invested within 30 days
New investor: €5 • Referrer: €5 after €50 invested within 30 days
Revest
Real Estate
❌
Renditen
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Bonus
0.5% Cashback
Invest at least €10 within first 30 days • Both parties
Invest at least €10 within first 30 days • Both parties
SAVY
Consumer
✅
Renditen
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback
First 90 days • Max €1,000
First 90 days • Max €1,000
Letsinvest
Real Estate
✅
Renditen
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Renditen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bonus
1% Cashback
First 90 days via referral
First 90 days via referral
Asterra Estate
Real Estate
❌
Renditen
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
Bonus
1% Cashback
Referral link: manual investments during first 90 days • Both parties
Referral link: manual investments during first 90 days • Both parties
FF Forest
Agricultural
❌
Renditen
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
Kapitalallokation
P2P funktioniert am besten als 10% des Portfolios. Kernkapital braucht mehr.
Nutzen Sie P2P als renditestarke Satellitenposition und ziehen Sie Gewinne ab, bevor sich Risiko aufstaut. Halten Sie den Rest des Kapitals dort, wo ernsthafte Anleger langfristige Positionen aufbauen: regulierter Broker, ETF-Kern, CFD-Tools bei Bedarf.
10% P2P-Baustein für Rendite, Diversifikation und Plattformtests.
Gewinne Gewinne regelmäßig abziehen, statt alles Kredit- und Plattformrisiko auszusetzen.
Kern Hauptkapital auf Broker legen, der für ETF-Portfolios und CFD-Zugang gebaut ist.
Broker auf Brokerfind finden → Hall of Shame Platforms removed from the comparison table due to severe trust, repayment, or governance concerns.
- Ventus Energy: Alleged investor scam patterns and repeated complaints about repayment issues.
- Esketit: Not classified here as a scam, but included for governance/reputation controversies.
- EstateGuru: Serious late-loan and recovery issues that hurt many investors.
- Twino: Long-standing delayed repayments and trust concerns reported by users.
- Revest24: High-risk behavior and multiple investor red flags reported by the community.
🎁 Boni
Monefit SmartSaver
0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
Digilo
1% Cashback
1% Empfehlungs-Cashback auf Primärmarkt-Investments in den ersten 60 Tagen • Beide Parteien
Mintos
Bis zu 350€ Fester Bonus
GO- promo code • New investors • Invest within same calendar month • 90-day hold
PeerBerry
0.5% Welcome + Bis zu 1% VIP
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Esketit
1% Cashback + Bis zu 1% Loyalty
Referral: 1% of first investment within 30 days, max €1,000 • Loyalty: +0.5–1% from €25,000
Nectaro
1% Cashback
First 30 days • Max €1,000
Mypeak.finance
Kein Bonus derzeit verfügbar
Afranga
0.5% Cashback
First 90 days
InRento
20€ Fester Bonus
First project • Min €500
Indemo
Bis zu 5% Cashback
July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026)
Triple Dragon
1% Cashback
Invest within 60 days • Both parties
Lendermarket
75€ Fester Bonus
Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties
Maclear
15€ + 3% Cashback
€15 welcome after first €50 primary investment within 7 days + 3% referral cashback on primary investments first 90 days
Modena
25€ Fester Bonus + Bis zu 1% Cashback
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
Viainvest
15€ Fester Bonus
Referral link: invest at least €1,000 within 90 days • Both parties
Income Marketplace
1.0% Cashback
1% of the 30-day weighted average investment • Min €10 • Max €500
Ventus Energy
1% Cashback
Funds allocated within first 60 days • Both parties • Credited instantly
LANDE
3% Cashback
Primary Market investments during first 30 days
Debitum
20€ + Bis zu 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Bondora
5€ Fester Bonus
New investor: €5 • Referrer: €5 after €50 invested within 30 days
Revest
0.5% Cashback
Invest at least €10 within first 30 days • Both parties
SAVY
1% Cashback
First 90 days • Max €1,000
Letsinvest
Kein Bonus derzeit verfügbar
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
1% Cashback
Referral link: manual investments during first 90 days • Both parties
FF Forest
Kein Bonus derzeit verfügbar
EtherFi
Kein Bonus derzeit verfügbar
8lends
30 USDC + 6% 8LNDS
Welcome: 30 USDC after signup/first investment • 6% 8LNDS cashback on investments • Referral bonus 6% of friend investments for 45 days
Krypto-Plattformen: Überprüfen Sie die einzelnen Einträge oben für verfügbare Boni.
📝 Bewertungen
Detaillierte Analyse basierend auf persönlicher Erfahrung.
PeerBerry
Verbraucher11% Renditen
Vorteile
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Nachteile
- Lower returns
- Limited loan types
Urteil
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Nectaro
Verbraucher14.9% Renditen
Vorteile
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Nachteile
- New platform (2023)
- MiFID II regulation does not eliminate credit and liquidity risk
- Limited track record
Urteil
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Mypeak.finance
Businessup to 16% Renditen
Vorteile
- Travel-finance niche
- High target yields
- Low entry threshold
- Monthly payouts
Nachteile
- Not regulated
- New platform
- Limited track record
- Tourism-sector concentration
Urteil
Niche mountain-travel financing platform with attractive target yields, but it should be treated as high risk because of its short track record and lack of strong regulation.
Modena
Verbraucher8.5-11% Renditen
Vorteile
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Nachteile
- Lower returns
- Limited loan types
Urteil
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
SAVY
Verbraucherup to 13% Renditen
Vorteile
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Nachteile
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Urteil
Established Lithuanian consumer-loan marketplace with a credible regulatory profile and competitive yields, but still tied to borrower quality in a single domestic market.
Letsinvest
Immobilienup to 12% Renditen
Vorteile
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Nachteile
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Urteil
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Verbraucherup to 14% Renditen
Vorteile
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Nachteile
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Urteil
Yield-focused marketplace that can appeal to experienced P2P investors, but the absence of strong regulation keeps it below the top-rated conservative platforms.
Asterra Estate
Immobilienup to 14% Renditen
Vorteile
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Nachteile
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Urteil
Interesting higher-yield property platform for diversification, but it should be treated as a more speculative real-estate allocation rather than a core low-risk holding.
FF Forest
Landwirtschaftup to 18% Renditen
Vorteile
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Nachteile
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Urteil
Unique sustainable forestry platform backed by Latvian land assets offering up to 18% returns. Interesting green niche but treat as high-risk due to lack of regulation and short track record.
⚠️ Risikowarnung
Das Investieren in P2P-Kreditplattformen birgt Risiken, einschließlich des Risikos eines teilweisen oder vollständigen Verlustes des investierten Kapitals. Ihre Investition ist weder durch Einlagensicherungssysteme gemäß Richtlinie 2014/49/EU noch durch Anlegerentschädigungssysteme gemäß Richtlinie 1997/9/EG abgedeckt. Sie erhalten möglicherweise keine Rendite. Dies ist kein Sparprodukt und wir empfehlen, nicht mehr als 10 % Ihres Nettovermögens zu investieren. Dies ist keine Finanzberatung. Gemäß Verordnung (EU) 2020/1503.
🚀 Roadmap & Verbesserungen
Mobile App
Native iOS/Android-App für Portfolio-Tracking unterwegs.
Portfolio-Tracker Aktiv
Echtzeit-Sync mit Plattformen zur Überwachung der Renditen.
Intelligente Alerts
Benachrichtigungen über neue Chancen und Plattform-Updates.
👋 Über Mich — Francesco
Francesco aus Italien, leidenschaftlich über alternative Investitionen.
Ich teste jede empfohlene Plattform persönlich mit eigenem Geld. Kein Marketing, nur praktische Analyse.