Mintos
Multi-Asset~12% Rendements
Avantages
- Largest platform
- Regulated
- €20K protection
- Many loan types
Inconvénients
- Complex for beginners
- Past defaults
Verdict
The most established P2P platform in Europe. Great for diversification.
Trouvez Votre Plateforme P2P
Comparaison indépendante avec calculateur fiscal.
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Max Yield
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Avg Return
Comparaison des Plateformes (24)
| Catégorie | Reg | Bonus | S'inscrire | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Consommation | 7.5-10.5% | 3/10 | None | 0.25% Signup Bonus 0.25% bonus on net investments during first 90 days | €5 | S'inscrire |
| Nectaro | Consommation | 14.9% | 6/10 | MiFID II · Latvijas Banka | 1% Cashback First 30 days • Max €1,000 | €50 | S'inscrire |
| PeerBerry | Consommation | 11% | 2/10 | ECSP | 0.5% Welcome + Jusqu'à 1% VIP Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1% | €10 | S'inscrire |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Jusqu'à 350€ Bonus Fixe GO- promo code • New investors • Invest within same calendar month • 90-day hold | €50 | S'inscrire |
| Digilo | Immobilier | 9-12% | 5/10 | ECSP | 1% Cashback 1% de cashback de parrainage sur le marché primaire pendant les 60 premiers jours • Les deux parties | €150 | S'inscrire |
| Mypeak.finance | Entreprise | up to 16% | 8/10 | None | — | €1 | S'inscrire |
| Afranga | Entreprise | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | S'inscrire |
| InRento | Immobilier | ~12% | 2/10 | Lithuanian CB | 20€ Bonus Fixe First project • Min €500 | €100 | S'inscrire |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Jusqu'à 5% Cashback July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026) | €100 | S'inscrire |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | S'inscrire |
| Lendermarket | Consommation | ~14% | 6/10 | None | 75€ Bonus Fixe Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties | €10 | S'inscrire |
| Maclear | Entreprise | 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 | S'inscrire |
| Modena | Consommation | 8.5-11% | 2/10 | Regulated | 25€ Bonus Fixe + Jusqu'à 1% Cashback €25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000 | €50 | S'inscrire |
| Viainvest | Consommation | ~11.8% | 2/10 | Regulated | 15€ Bonus Fixe Referral link: invest at least €1,000 within 90 days • Both parties | €10 | S'inscrire |
| Income Marketplace | Consommation | ~13% | 3/10 | None | 1.0% Cashback 1% of the 30-day weighted average investment • Min €10 • Max €500 | €10 | S'inscrire |
| LANDE | Agricole | up to 14% | 6/10 | None | 3% Cashback Primary Market investments during first 30 days | €50 | S'inscrire |
| Debitum | Entreprise | ~10% | 2/10 | Regulated | 20€ + Jusqu'à 2% Loyalty Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier | €50 | S'inscrire |
| Bondora | Consommation | ~6% | 1/10 | Regulated | 5€ Bonus Fixe New investor: €5 • Referrer: €5 after €50 invested within 30 days | €1 | S'inscrire |
| Revest | Immobilier | up to 13% | 5/10 | None | 0.5% Cashback Invest at least €10 within first 30 days • Both parties | €0 | S'inscrire |
| SAVY | Consommation | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | S'inscrire |
| Letsinvest | Immobilier | up to 12% | 5/10 | ECSP | — | €100 | S'inscrire |
| Bondster | Consommation | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | S'inscrire |
| Asterra Estate | Immobilier | up to 14% | 6/10 | None | 1% Cashback Referral link: manual investments during first 90 days • Both parties | €100 | S'inscrire |
| FF Forest | Agricole | up to 18% | 8/10 | None | — | €500 | S'inscrire |
| EtherFi | Crypto Staking | Variable APY | 8/10 | None | — | €0 | S'inscrire |
| 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 | S'inscrire |
Monefit SmartSaver
Consumer
❌
Rendements
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
✅
Rendements
9-12%
Risk Score
5/10
Buyback
❌
Min Inv.
€150
Bonus
1% Cashback
1% de cashback de parrainage sur le marché primaire pendant les 60 premiers jours • Les deux parties
1% de cashback de parrainage sur le marché primaire pendant les 60 premiers jours • Les deux parties
Mintos
Multi-Asset
✅
Rendements
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
Jusqu'à 350€ Bonus Fixe
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
✅
Rendements
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Welcome + Jusqu'à 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
❌
Rendements
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback + Jusqu'à 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
✅
Rendements
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
❌
Rendements
up to 16%
Risk Score
8/10
Buyback
❌
Min Inv.
€1
Afranga
Business
✅
Rendements
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Rendements
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Bonus Fixe
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Rendements
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Jusqu'à 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
❌
Rendements
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
❌
Rendements
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
75€ Bonus Fixe
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
✅
Rendements
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
✅
Rendements
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Bonus Fixe + Jusqu'à 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
✅
Rendements
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
15€ Bonus Fixe
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
❌
Rendements
~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
❌
Rendements
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
❌
Rendements
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
✅
Rendements
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
20€ + Jusqu'à 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
✅
Rendements
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ Bonus Fixe
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
❌
Rendements
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
✅
Rendements
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
✅
Rendements
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Rendements
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
❌
Rendements
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
❌
Rendements
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
Allocation du capital
Le P2P fonctionne mieux comme 10% du portefeuille. Le capital principal mérite plus.
Utilisez le P2P comme exposition satellite à rendement élevé, puis sortez les profits avant que le risque ne s'accumule. Gardez le reste du capital là où les investisseurs sérieux construisent des positions long terme : broker régulé, cœur ETF, outils CFD si besoin.
10% Poche P2P pour rendement, diversification et test des plateformes.
Profits Retirez les gains régulièrement au lieu de tout laisser exposé au risque de prêt et de plateforme.
Core Placez le capital principal sur broker conçu pour portefeuilles ETF et accès CFD.
Trouver broker sur 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.
🎁 Bonus
Monefit SmartSaver
0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
Digilo
1% Cashback
1% de cashback de parrainage sur le marché primaire pendant les 60 premiers jours • Les deux parties
Mintos
Jusqu'à 350€ Bonus Fixe
GO- promo code • New investors • Invest within same calendar month • 90-day hold
PeerBerry
0.5% Welcome + Jusqu'à 1% VIP
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Esketit
1% Cashback + Jusqu'à 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
Aucun bonus disponible actuellement
Afranga
0.5% Cashback
First 90 days
InRento
20€ Bonus Fixe
First project • Min €500
Indemo
Jusqu'à 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€ Bonus Fixe
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€ Bonus Fixe + Jusqu'à 1% Cashback
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
Viainvest
15€ Bonus Fixe
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€ + Jusqu'à 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Bondora
5€ Bonus Fixe
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
Aucun bonus disponible actuellement
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
1% Cashback
Referral link: manual investments during first 90 days • Both parties
FF Forest
Aucun bonus disponible actuellement
EtherFi
Aucun bonus disponible actuellement
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
Plateformes crypto: consultez les fiches individuelles ci-dessus pour les bonus disponibles.
📝 Avis sur les Plateformes
Analyse détaillée basée sur mon expérience personnelle.
PeerBerry
Consommation11% Rendements
Avantages
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Inconvénients
- Lower returns
- Limited loan types
Verdict
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Nectaro
Consommation14.9% Rendements
Avantages
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Inconvénients
- New platform (2023)
- MiFID II regulation does not eliminate credit and liquidity risk
- Limited track record
Verdict
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Mypeak.finance
Entrepriseup to 16% Rendements
Avantages
- Travel-finance niche
- High target yields
- Low entry threshold
- Monthly payouts
Inconvénients
- Not regulated
- New platform
- Limited track record
- Tourism-sector concentration
Verdict
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
Consommation8.5-11% Rendements
Avantages
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Inconvénients
- Lower returns
- Limited loan types
Verdict
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
SAVY
Consommationup to 13% Rendements
Avantages
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Inconvénients
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Verdict
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
Immobilierup to 12% Rendements
Avantages
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Inconvénients
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Verdict
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Consommationup to 14% Rendements
Avantages
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Inconvénients
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Verdict
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
Immobilierup to 14% Rendements
Avantages
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Inconvénients
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Verdict
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
Agricoleup to 18% Rendements
Avantages
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Inconvénients
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Verdict
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.
⚠️ Avertissement
Investir dans des plateformes de prêt P2P comporte des risques, y compris le risque de perte partielle ou totale de l'argent investi. Votre investissement n'est pas couvert par les systèmes de garantie des dépôts au sens de la Directive 2014/49/UE, ni par les systèmes d'indemnisation des investisseurs au sens de la Directive 1997/9/CE. Vous pourriez ne recevoir aucun rendement. Ce n'est pas un produit d'épargne et nous vous conseillons de ne pas investir plus de 10 % de votre patrimoine net. Ce n'est pas un conseil financier. Conformément au Règlement (UE) 2020/1503.
🚀 Feuille de route & améliorations
Application mobile
App iOS/Android native pour suivre le portefeuille en déplacement.
Suivi de portefeuille Actif
Synchronisation en temps réel avec les plateformes pour suivre les rendements.
Alertes intelligentes
Notifications pour les nouvelles opportunités et mises à jour des plateformes.
👋 À Propos — Francesco
Francesco d'Italie, passionné par les investissements alternatifs.
Je teste personnellement chaque plateforme recommandée avec mon propre argent. Pas de marketing, juste de l'analyse pratique.