Mintos
Multi-Asset~12% Tuotot
Edut
- Largest platform
- Regulated
- €20K protection
- Many loan types
Haitat
- Complex for beginners
- Past defaults
Tuomio
The most established P2P platform in Europe. Great for diversification.
Löydä P2P-Alustasi
Riippumaton vertailu verolaskurilla.
0
Platforms
0%
Max Yield
0%
Avg Return
Alustavertailu (24)
| Kategoria | Reg | Bonus | Rekisteröidy | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Kuluttaja | 7.5-10.5% | 3/10 | None | 0.25% Signup Bonus 0.25% bonus on net investments during first 90 days | €5 | Rekisteröidy |
| Nectaro | Kuluttaja | 14.9% | 6/10 | MiFID II · Latvijas Banka | 1% Cashback First 30 days • Max €1,000 | €50 | Rekisteröidy |
| PeerBerry | Kuluttaja | 11% | 2/10 | ECSP | 0.5% Welcome + Jopa 1% VIP Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1% | €10 | Rekisteröidy |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Jopa 350€ Kiinteä Bonus GO- promo code • New investors • Invest within same calendar month • 90-day hold | €50 | Rekisteröidy |
| Digilo | Kiinteistö | 9-12% | 5/10 | ECSP | 1% Cashback 1% cashback suosittelusta ensimarkkinasijoituksille ensimmäisten 60 päivän aikana • Molemmat osapuolet | €150 | Rekisteröidy |
| Mypeak.finance | Yritys | up to 16% | 8/10 | None | — | €1 | Rekisteröidy |
| Afranga | Yritys | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Rekisteröidy |
| InRento | Kiinteistö | ~12% | 2/10 | Lithuanian CB | 20€ Kiinteä Bonus First project • Min €500 | €100 | Rekisteröidy |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Jopa 5% Cashback July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026) | €100 | Rekisteröidy |
| Triple Dragon | Pelaaminen | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Rekisteröidy |
| Lendermarket | Kuluttaja | ~14% | 6/10 | None | 75€ Kiinteä Bonus Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties | €10 | Rekisteröidy |
| Maclear | Yritys | 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 | Rekisteröidy |
| Modena | Kuluttaja | 8.5-11% | 2/10 | Regulated | 25€ Kiinteä Bonus + Jopa 1% Cashback €25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000 | €50 | Rekisteröidy |
| Viainvest | Kuluttaja | ~11.8% | 2/10 | Regulated | 15€ Kiinteä Bonus Referral link: invest at least €1,000 within 90 days • Both parties | €10 | Rekisteröidy |
| Income Marketplace | Kuluttaja | ~13% | 3/10 | None | 1.0% Cashback 1% of the 30-day weighted average investment • Min €10 • Max €500 | €10 | Rekisteröidy |
| LANDE | Maatalous | up to 14% | 6/10 | None | 3% Cashback Primary Market investments during first 30 days | €50 | Rekisteröidy |
| Debitum | Yritys | ~10% | 2/10 | Regulated | 20€ + Jopa 2% Loyalty Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier | €50 | Rekisteröidy |
| Bondora | Kuluttaja | ~6% | 1/10 | Regulated | 5€ Kiinteä Bonus New investor: €5 • Referrer: €5 after €50 invested within 30 days | €1 | Rekisteröidy |
| Revest | Kiinteistö | up to 13% | 5/10 | None | 0.5% Cashback Invest at least €10 within first 30 days • Both parties | €0 | Rekisteröidy |
| SAVY | Kuluttaja | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Rekisteröidy |
| Letsinvest | Kiinteistö | up to 12% | 5/10 | ECSP | — | €100 | Rekisteröidy |
| Bondster | Kuluttaja | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Rekisteröidy |
| Asterra Estate | Kiinteistö | up to 14% | 6/10 | None | 1% Cashback Referral link: manual investments during first 90 days • Both parties | €100 | Rekisteröidy |
| FF Forest | Maatalous | up to 18% | 8/10 | None | — | €500 | Rekisteröidy |
| EtherFi | Crypto Staking | Variable APY | 8/10 | None | — | €0 | Rekisteröidy |
| 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 | Rekisteröidy |
Monefit SmartSaver
Consumer
❌
Tuotot
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
✅
Tuotot
9-12%
Risk Score
5/10
Buyback
❌
Min Inv.
€150
Bonus
1% Cashback
1% cashback suosittelusta ensimarkkinasijoituksille ensimmäisten 60 päivän aikana • Molemmat osapuolet
1% cashback suosittelusta ensimarkkinasijoituksille ensimmäisten 60 päivän aikana • Molemmat osapuolet
Mintos
Multi-Asset
✅
Tuotot
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
Jopa 350€ Kiinteä 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
✅
Tuotot
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Welcome + Jopa 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
❌
Tuotot
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback + Jopa 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
✅
Tuotot
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
❌
Tuotot
up to 16%
Risk Score
8/10
Buyback
❌
Min Inv.
€1
Afranga
Business
✅
Tuotot
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Tuotot
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Kiinteä Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Tuotot
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Jopa 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
❌
Tuotot
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
❌
Tuotot
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
75€ Kiinteä 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
✅
Tuotot
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
✅
Tuotot
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Kiinteä Bonus + Jopa 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
✅
Tuotot
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
15€ Kiinteä 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
❌
Tuotot
~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
❌
Tuotot
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
❌
Tuotot
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
✅
Tuotot
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
20€ + Jopa 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
✅
Tuotot
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ Kiinteä 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
❌
Tuotot
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
✅
Tuotot
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
✅
Tuotot
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Tuotot
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
❌
Tuotot
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
❌
Tuotot
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
Pääoman allokaatio
P2P toimii parhaiten 10% osuutena salkusta. Ydinpääoma tarvitsee enemmän.
Käytä P2P:tä korkean tuoton satelliittipositiona ja siirrä voitot pois ennen riskin kasaantumista. Pidä muu pääoma siellä, missä vakavat sijoittajat rakentavat pitkäaikaisia positioita: säännelty broker, ETF-ydin, CFD-työkalut tarvittaessa.
10% P2P-osuus tuottoon, hajautukseen ja alustojen testaamiseen.
Voitot Nosta tuotot säännöllisesti sen sijaan, että jättäisit kaiken laina- ja alustariskille.
Core Sijoita pääpääoma brokerille, joka on rakennettu ETF-salkkuihin ja CFD-käyttöön.
Löydä broker Brokerfindistä → 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.
🎁 Bonukset
Monefit SmartSaver
0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
Digilo
1% Cashback
1% cashback suosittelusta ensimarkkinasijoituksille ensimmäisten 60 päivän aikana • Molemmat osapuolet
Mintos
Jopa 350€ Kiinteä Bonus
GO- promo code • New investors • Invest within same calendar month • 90-day hold
PeerBerry
0.5% Welcome + Jopa 1% VIP
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Esketit
1% Cashback + Jopa 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
Ei bonuksia tällä hetkellä saatavilla
Afranga
0.5% Cashback
First 90 days
InRento
20€ Kiinteä Bonus
First project • Min €500
Indemo
Jopa 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€ Kiinteä 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€ Kiinteä Bonus + Jopa 1% Cashback
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
Viainvest
15€ Kiinteä 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€ + Jopa 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Bondora
5€ Kiinteä 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
Ei bonuksia tällä hetkellä saatavilla
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
1% Cashback
Referral link: manual investments during first 90 days • Both parties
FF Forest
Ei bonuksia tällä hetkellä saatavilla
EtherFi
Ei bonuksia tällä hetkellä saatavilla
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
Kryptoalustat: tarkista yksittäiset listaukset yllä saatavilla olevista bonuksista.
📝 Alusta-arvostelut
Yksityiskohtainen analyysi henkilökohtaisen kokemukseni perusteella.
PeerBerry
Kuluttaja11% Tuotot
Edut
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Haitat
- Lower returns
- Limited loan types
Tuomio
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Nectaro
Kuluttaja14.9% Tuotot
Edut
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Haitat
- New platform (2023)
- MiFID II regulation does not eliminate credit and liquidity risk
- Limited track record
Tuomio
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Mypeak.finance
Yritysup to 16% Tuotot
Edut
- Travel-finance niche
- High target yields
- Low entry threshold
- Monthly payouts
Haitat
- Not regulated
- New platform
- Limited track record
- Tourism-sector concentration
Tuomio
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
Kuluttaja8.5-11% Tuotot
Edut
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Haitat
- Lower returns
- Limited loan types
Tuomio
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
SAVY
Kuluttajaup to 13% Tuotot
Edut
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Haitat
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Tuomio
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
Kiinteistöup to 12% Tuotot
Edut
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Haitat
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Tuomio
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Kuluttajaup to 14% Tuotot
Edut
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Haitat
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Tuomio
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
Kiinteistöup to 14% Tuotot
Edut
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Haitat
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Tuomio
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
Maatalousup to 18% Tuotot
Edut
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Haitat
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Tuomio
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.
⚠️ Riskivaroitus
P2P-lainausalustoihin sijoittamiseen liittyy riskejä, mukaan lukien sijoitetun pääoman osittainen tai täydellinen menettäminen. Sijoituksesi ei kuulu direktiivin 2014/49/EU mukaisten talletussuojajärjestelmien eikä direktiivin 1997/9/EY mukaisten sijoittajakorvausjärjestelmien piiriin. Et välttämättä saa tuottoa. Tämä ei ole säästötuote ja suosittelemme, ettet sijoita enempää kuin 10 % nettovarallisuudestasi. Tämä ei ole sijoitusneuvonta. EU-asetuksen (EU) 2020/1503 mukaisesti.
🚀 Roadmap ja parannukset
Mobiilisovellus
Natiivi iOS/Android-sovellus portfolion seurantaan liikkeellä.
Portfolion seuranta Aktiivinen
Reaaliaikainen synkronointi alustoihin tuottojen seurantaan.
Älykkäät hälytykset
Ilmoitukset uusista mahdollisuuksista ja alustapäivityksistä.
👋 Tietoa Minusta — Francesco
Francesco Italiasta, intohimoinen vaihtoehtoisia sijoituksia kohtaan.
Testaan henkilökohtaisesti jokaisen suosittelemani alustan omilla rahoillani. Ei markkinointia, vain käytännön analyysiä.