Mintos
Multi-Asset~12% Rendimientos
Pros
- Largest platform
- Regulated
- €20K protection
- Many loan types
Contras
- Complex for beginners
- Past defaults
Veredicto
The most established P2P platform in Europe. Great for diversification.
Encuentra Tu Plataforma P2P
Comparación independiente con calculadora fiscal.
0
Platforms
0%
Max Yield
0%
Avg Return
Comparación de Plataformas (24)
| Categoría | Reg | Bono | Registrarse | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Consumo | 7.5-10.5% | 3/10 | None | 0.25% Signup Bonus 0.25% bonus on net investments during first 90 days | €5 | Registrarse |
| Nectaro | Consumo | 14.9% | 6/10 | MiFID II · Latvijas Banka | 1% Cashback First 30 days • Max €1,000 | €50 | Registrarse |
| PeerBerry | Consumo | 11% | 2/10 | ECSP | 0.5% Welcome + Hasta 1% VIP Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1% | €10 | Registrarse |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Hasta 350€ Bono Fijo GO- promo code • New investors • Invest within same calendar month • 90-day hold | €50 | Registrarse |
| Digilo | Inmobiliario | 9-12% | 5/10 | ECSP | 1% Cashback 1% de cashback por referido en inversiones del mercado primario durante los primeros 60 días • Ambas partes | €150 | Registrarse |
| Mypeak.finance | Negocios | up to 16% | 8/10 | None | — | €1 | Registrarse |
| Afranga | Negocios | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Registrarse |
| InRento | Inmobiliario | ~12% | 2/10 | Lithuanian CB | 20€ Bono Fijo First project • Min €500 | €100 | Registrarse |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Hasta 5% Cashback July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026) | €100 | Registrarse |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Registrarse |
| Lendermarket | Consumo | ~14% | 6/10 | None | 75€ Bono Fijo Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties | €10 | Registrarse |
| Maclear | Negocios | 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 | Registrarse |
| Modena | Consumo | 8.5-11% | 2/10 | Regulated | 25€ Bono Fijo + Hasta 1% Cashback €25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000 | €50 | Registrarse |
| Viainvest | Consumo | ~11.8% | 2/10 | Regulated | 15€ Bono Fijo Referral link: invest at least €1,000 within 90 days • Both parties | €10 | Registrarse |
| Income Marketplace | Consumo | ~13% | 3/10 | None | 1.0% Cashback 1% of the 30-day weighted average investment • Min €10 • Max €500 | €10 | Registrarse |
| LANDE | Agrícola | up to 14% | 6/10 | None | 3% Cashback Primary Market investments during first 30 days | €50 | Registrarse |
| Debitum | Negocios | ~10% | 2/10 | Regulated | 20€ + Hasta 2% Loyalty Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier | €50 | Registrarse |
| Bondora | Consumo | ~6% | 1/10 | Regulated | 5€ Bono Fijo New investor: €5 • Referrer: €5 after €50 invested within 30 days | €1 | Registrarse |
| Revest | Inmobiliario | up to 13% | 5/10 | None | 0.5% Cashback Invest at least €10 within first 30 days • Both parties | €0 | Registrarse |
| SAVY | Consumo | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Registrarse |
| Letsinvest | Inmobiliario | up to 12% | 5/10 | ECSP | — | €100 | Registrarse |
| Bondster | Consumo | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Registrarse |
| Asterra Estate | Inmobiliario | up to 14% | 6/10 | None | 1% Cashback Referral link: manual investments during first 90 days • Both parties | €100 | Registrarse |
| FF Forest | Agrícola | up to 18% | 8/10 | None | — | €500 | Registrarse |
| EtherFi | Crypto Staking | Variable APY | 8/10 | None | — | €0 | Registrarse |
| 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 | Registrarse |
Monefit SmartSaver
Consumer
❌
Rendimientos
7.5-10.5%
Risk Score
3/10
Buyback
❌
Min Inv.
€5
Bono
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
✅
Rendimientos
9-12%
Risk Score
5/10
Buyback
❌
Min Inv.
€150
Bono
1% Cashback
1% de cashback por referido en inversiones del mercado primario durante los primeros 60 días • Ambas partes
1% de cashback por referido en inversiones del mercado primario durante los primeros 60 días • Ambas partes
Mintos
Multi-Asset
✅
Rendimientos
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bono
Hasta 350€ Bono Fijo
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
✅
Rendimientos
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bono
0.5% Welcome + Hasta 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
❌
Rendimientos
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bono
1% Cashback + Hasta 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
✅
Rendimientos
14.9%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bono
1% Cashback
First 30 days • Max €1,000
First 30 days • Max €1,000
Mypeak.finance
Travel
❌
Rendimientos
up to 16%
Risk Score
8/10
Buyback
❌
Min Inv.
€1
Afranga
Business
✅
Rendimientos
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bono
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Rendimientos
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bono
20€ Bono Fijo
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Rendimientos
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bono
Hasta 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
❌
Rendimientos
14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bono
1% Cashback
Invest within 60 days • Both parties
Invest within 60 days • Both parties
Lendermarket
Consumer
❌
Rendimientos
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bono
75€ Bono Fijo
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
✅
Rendimientos
up to 15.6%
Risk Score
3/10
Buyback
❌
Min Inv.
€50
Bono
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
✅
Rendimientos
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bono
25€ Bono Fijo + Hasta 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
✅
Rendimientos
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bono
15€ Bono Fijo
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
❌
Rendimientos
~13%
Risk Score
3/10
Buyback
❌
Min Inv.
€10
Bono
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
❌
Rendimientos
6-12%
Risk Score
8/10
Buyback
❌
Min Inv.
€50
Bono
1% Cashback
Funds allocated within first 60 days • Both parties • Credited instantly
Funds allocated within first 60 days • Both parties • Credited instantly
LANDE
Agricultural
❌
Rendimientos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€50
Bono
3% Cashback
Primary Market investments during first 30 days
Primary Market investments during first 30 days
Debitum
Business
✅
Rendimientos
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bono
20€ + Hasta 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
✅
Rendimientos
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bono
5€ Bono Fijo
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
❌
Rendimientos
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€0
Bono
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
✅
Rendimientos
up to 13%
Risk Score
5/10
Buyback
❌
Min Inv.
€10
Bono
1% Cashback
First 90 days • Max €1,000
First 90 days • Max €1,000
Letsinvest
Real Estate
✅
Rendimientos
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Rendimientos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€5
Bono
1% Cashback
First 90 days via referral
First 90 days via referral
Asterra Estate
Real Estate
❌
Rendimientos
up to 14%
Risk Score
6/10
Buyback
❌
Min Inv.
€100
Bono
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
❌
Rendimientos
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
Asignación de capital
P2P funciona mejor como 10% del portafolio. El capital principal necesita más.
Usa P2P como exposición satélite de alto rendimiento y retira beneficios antes de que el riesgo se acumule. Mantén el resto del capital donde inversores serios construyen posiciones a largo plazo: broker regulado, núcleo ETF, herramientas CFD cuando hagan falta.
10% Bloque P2P para rendimiento, diversificación y prueba de plataformas.
Beneficios Retira ganancias con regularidad en lugar de dejar todo expuesto a riesgo de préstamos y plataforma.
Core Coloca capital principal en broker preparado para carteras ETF y acceso CFD.
Encuentra broker en Brokerfind → 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.
🎁 Bonos
Monefit SmartSaver
0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
Digilo
1% Cashback
1% de cashback por referido en inversiones del mercado primario durante los primeros 60 días • Ambas partes
Mintos
Hasta 350€ Bono Fijo
GO- promo code • New investors • Invest within same calendar month • 90-day hold
PeerBerry
0.5% Welcome + Hasta 1% VIP
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Esketit
1% Cashback + Hasta 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
Sin bonos disponibles actualmente
Afranga
0.5% Cashback
First 90 days
InRento
20€ Bono Fijo
First project • Min €500
Indemo
Hasta 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€ Bono Fijo
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€ Bono Fijo + Hasta 1% Cashback
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
Viainvest
15€ Bono Fijo
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€ + Hasta 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Bondora
5€ Bono Fijo
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
Sin bonos disponibles actualmente
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
1% Cashback
Referral link: manual investments during first 90 days • Both parties
FF Forest
Sin bonos disponibles actualmente
EtherFi
Sin bonos disponibles actualmente
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
Plataformas crypto: consulta los listados individuales arriba para bonos disponibles.
📝 Reseñas de Plataformas
Análisis detallado basado en mi experiencia personal.
PeerBerry
Consumo11% Rendimientos
Pros
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Contras
- Lower returns
- Limited loan types
Veredicto
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Nectaro
Consumo14.9% Rendimientos
Pros
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Contras
- New platform (2023)
- MiFID II regulation does not eliminate credit and liquidity risk
- Limited track record
Veredicto
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Mypeak.finance
Negociosup to 16% Rendimientos
Pros
- Travel-finance niche
- High target yields
- Low entry threshold
- Monthly payouts
Contras
- Not regulated
- New platform
- Limited track record
- Tourism-sector concentration
Veredicto
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
Consumo8.5-11% Rendimientos
Pros
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Contras
- Lower returns
- Limited loan types
Veredicto
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
SAVY
Consumoup to 13% Rendimientos
Pros
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Contras
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Veredicto
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
Inmobiliarioup to 12% Rendimientos
Pros
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Contras
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Veredicto
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Consumoup to 14% Rendimientos
Pros
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Contras
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Veredicto
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
Inmobiliarioup to 14% Rendimientos
Pros
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Contras
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Veredicto
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
Agrícolaup to 18% Rendimientos
Pros
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Contras
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Veredicto
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.
⚠️ Advertencia
Invertir en plataformas de préstamos P2P conlleva riesgos, incluido el riesgo de pérdida parcial o total del dinero invertido. Tu inversión no está cubierta por los sistemas de garantía de depósitos en virtud de la Directiva 2014/49/UE, ni por los sistemas de indemnización de inversores en virtud de la Directiva 1997/9/CE. Es posible que no recibas ningún rendimiento. No es un producto de ahorro y recomendamos no invertir más del 10 % de tu patrimonio neto. Esto no es asesoramiento financiero. De conformidad con el Reglamento (UE) 2020/1503.
🚀 Hoja de ruta y mejoras
App móvil
App nativa iOS/Android para seguir el portafolio desde el móvil.
Seguimiento de cartera Activo
Sincronización en tiempo real con las plataformas para controlar los rendimientos.
Alertas inteligentes
Notificaciones sobre nuevas oportunidades y actualizaciones de plataformas.
👋 Sobre Mí — Francesco
Francesco de Italia, apasionado por las inversiones alternativas.
Pruebo personalmente cada plataforma recomendada con mi propio dinero. Sin marketing, solo análisis práctico.