Mintos
Multi-Asset~12% Zwroty
Zalety
- Largest platform
- Regulated
- €20K protection
- Many loan types
Wady
- Complex for beginners
- Past defaults
Werdykt
The most established P2P platform in Europe. Great for diversification.
Znajdź Swoją Platformę P2P
Niezależne porównanie z kalkulatorem podatkowym.
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Platforms
0%
Max Yield
0%
Avg Return
Porównanie Platform (24)
| Kategoria | Reg | Bonus | Zarejestruj się | ||||
|---|---|---|---|---|---|---|---|
| Monefit SmartSaver | Konsumenckie | 7.5-10.5% | 3/10 | None | 0.25% Signup Bonus 0.25% bonus on net investments during first 90 days | €5 | Zarejestruj się |
| Nectaro | Konsumenckie | 14.9% | 6/10 | MiFID II · Latvijas Banka | 1% Cashback First 30 days • Max €1,000 | €50 | Zarejestruj się |
| PeerBerry | Konsumenckie | 11% | 2/10 | ECSP | 0.5% Welcome + Do 1% VIP Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1% | €10 | Zarejestruj się |
| Mintos | Multi-Asset | ~12% | 5/10 | MiFID II | Do 350€ Stały Bonus GO- promo code • New investors • Invest within same calendar month • 90-day hold | €50 | Zarejestruj się |
| Digilo | Nieruchomości | 9-12% | 5/10 | ECSP | 1% Cashback 1% cashbacku za polecenie od inwestycji na rynku pierwotnym przez pierwsze 60 dni • Obie strony | €150 | Zarejestruj się |
| Mypeak.finance | Biznesowe | up to 16% | 8/10 | None | — | €1 | Zarejestruj się |
| Afranga | Biznesowe | 14.75% | 4/10 | ECSP | 0.5% Cashback First 90 days | €10 | Zarejestruj się |
| InRento | Nieruchomości | ~12% | 2/10 | Lithuanian CB | 20€ Stały Bonus First project • Min €500 | €100 | Zarejestruj się |
| Indemo | NPL | 15-18% | 5/10 | Regulated | Do 5% Cashback July campaign: 3% €10–999 • 4% €1,000–2,999 • 5% €3,000+ (until 31 Jul 2026) | €100 | Zarejestruj się |
| Triple Dragon | Gaming | 14% | 6/10 | None | 1% Cashback Invest within 60 days • Both parties | €50 | Zarejestruj się |
| Lendermarket | Konsumenckie | ~14% | 6/10 | None | 75€ Stały Bonus Referral link: invest at least €500 within 30 days and hold for 30 days • Both parties | €10 | Zarejestruj się |
| Maclear | Biznesowe | 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 | Zarejestruj się |
| Modena | Konsumenckie | 8.5-11% | 2/10 | Regulated | 25€ Stały Bonus + Do 1% Cashback €25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000 | €50 | Zarejestruj się |
| Viainvest | Konsumenckie | ~11.8% | 2/10 | Regulated | 15€ Stały Bonus Referral link: invest at least €1,000 within 90 days • Both parties | €10 | Zarejestruj się |
| Income Marketplace | Konsumenckie | ~13% | 3/10 | None | 1.0% Cashback 1% of the 30-day weighted average investment • Min €10 • Max €500 | €10 | Zarejestruj się |
| LANDE | Rolnicze | up to 14% | 6/10 | None | 3% Cashback Primary Market investments during first 30 days | €50 | Zarejestruj się |
| Debitum | Biznesowe | ~10% | 2/10 | Regulated | 20€ + Do 2% Loyalty Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier | €50 | Zarejestruj się |
| Bondora | Konsumenckie | ~6% | 1/10 | Regulated | 5€ Stały Bonus New investor: €5 • Referrer: €5 after €50 invested within 30 days | €1 | Zarejestruj się |
| Revest | Nieruchomości | up to 13% | 5/10 | None | 0.5% Cashback Invest at least €10 within first 30 days • Both parties | €0 | Zarejestruj się |
| SAVY | Konsumenckie | up to 13% | 5/10 | Bank of Lithuania | 1% Cashback First 90 days • Max €1,000 | €10 | Zarejestruj się |
| Letsinvest | Nieruchomości | up to 12% | 5/10 | ECSP | — | €100 | Zarejestruj się |
| Bondster | Konsumenckie | up to 14% | 6/10 | None | 1% Cashback First 90 days via referral | €5 | Zarejestruj się |
| Asterra Estate | Nieruchomości | up to 14% | 6/10 | None | 1% Cashback Referral link: manual investments during first 90 days • Both parties | €100 | Zarejestruj się |
| FF Forest | Rolnicze | up to 18% | 8/10 | None | — | €500 | Zarejestruj się |
| EtherFi | Crypto Staking | Variable APY | 8/10 | None | — | €0 | Zarejestruj się |
| 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 | Zarejestruj się |
Monefit SmartSaver
Consumer
❌
Zwroty
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
✅
Zwroty
9-12%
Risk Score
5/10
Buyback
❌
Min Inv.
€150
Bonus
1% Cashback
1% cashbacku za polecenie od inwestycji na rynku pierwotnym przez pierwsze 60 dni • Obie strony
1% cashbacku za polecenie od inwestycji na rynku pierwotnym przez pierwsze 60 dni • Obie strony
Mintos
Multi-Asset
✅
Zwroty
~12%
Risk Score
5/10
Buyback
❌
Min Inv.
€50
Bonus
Do 350€ Stały 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
✅
Zwroty
11%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Welcome + Do 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
❌
Zwroty
12-14%
Risk Score
8/10
Buyback
❌
Min Inv.
€10
Bonus
1% Cashback + Do 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
✅
Zwroty
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
❌
Zwroty
up to 16%
Risk Score
8/10
Buyback
❌
Min Inv.
€1
Afranga
Business
✅
Zwroty
14.75%
Risk Score
4/10
Buyback
❌
Min Inv.
€10
Bonus
0.5% Cashback
First 90 days
First 90 days
InRento
Real Estate
✅
Zwroty
~12%
Risk Score
2/10
Buyback
❌
Min Inv.
€100
Bonus
20€ Stały Bonus
First project • Min €500
First project • Min €500
Indemo
NPL
✅
Zwroty
15-18%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bonus
Do 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
❌
Zwroty
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
❌
Zwroty
~14%
Risk Score
6/10
Buyback
❌
Min Inv.
€10
Bonus
75€ Stały 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
✅
Zwroty
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
✅
Zwroty
8.5-11%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
25€ Stały Bonus + Do 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
✅
Zwroty
~11.8%
Risk Score
2/10
Buyback
❌
Min Inv.
€10
Bonus
15€ Stały 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
❌
Zwroty
~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
❌
Zwroty
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
❌
Zwroty
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
✅
Zwroty
~10%
Risk Score
2/10
Buyback
❌
Min Inv.
€50
Bonus
20€ + Do 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
✅
Zwroty
~6%
Risk Score
1/10
Buyback
❌
Min Inv.
€1
Bonus
5€ Stały 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
❌
Zwroty
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
✅
Zwroty
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
✅
Zwroty
up to 12%
Risk Score
5/10
Buyback
❌
Min Inv.
€100
Bondster
Consumer
❌
Zwroty
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
❌
Zwroty
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
❌
Zwroty
up to 18%
Risk Score
8/10
Buyback
❌
Min Inv.
€500
Alokacja kapitału
P2P działa najlepiej jako 10% portfela. Kapitał główny potrzebuje więcej.
Używaj P2P jako satelitarnej ekspozycji o wysokim dochodzie, potem wyprowadzaj zyski zanim ryzyko się skumuluje. Resztę kapitału trzymaj tam, gdzie poważni inwestorzy budują pozycje długoterminowe: regulowany broker, rdzeń ETF, narzędzia CFD w razie potrzeby.
10% Część P2P dla dochodu, dywersyfikacji i testów platform.
Zyski Regularnie wypłacaj zyski zamiast zostawiać wszystko na ryzyku pożyczek i platformy.
Core Umieść główny kapitał u brokera stworzonego dla portfeli ETF i dostępu CFD.
Znajdź brokera na 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.
🎁 Bonusy
Monefit SmartSaver
0.25% Signup Bonus
0.25% bonus on net investments during first 90 days
Digilo
1% Cashback
1% cashbacku za polecenie od inwestycji na rynku pierwotnym przez pierwsze 60 dni • Obie strony
Mintos
Do 350€ Stały Bonus
GO- promo code • New investors • Invest within same calendar month • 90-day hold
PeerBerry
0.5% Welcome + Do 1% VIP
Welcome: invest at least €10 within 30 days, then +0.5% for 90 days • Loyalty: up to +1%
Esketit
1% Cashback + Do 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
Brak bonusów aktualnie dostępnych
Afranga
0.5% Cashback
First 90 days
InRento
20€ Stały Bonus
First project • Min €500
Indemo
Do 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€ Stały 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€ Stały Bonus + Do 1% Cashback
€25 after 90 days when at least €50 is invested • 1% cashback during first 120 days, max €1,000
Viainvest
15€ Stały 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€ + Do 2% Loyalty
Referral: €20 each after friend invests €1,000 in 30 days • Loyalty boost up to 2% + quarterly cashback by tier
Bondora
5€ Stały 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
Brak bonusów aktualnie dostępnych
Bondster
1% Cashback
First 90 days via referral
Asterra Estate
1% Cashback
Referral link: manual investments during first 90 days • Both parties
FF Forest
Brak bonusów aktualnie dostępnych
EtherFi
Brak bonusów aktualnie dostępnych
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
Platformy krypto: sprawdź poszczególne wpisy powyżej, aby zobaczyć dostępne bonusy.
📝 Recenzje Platform
Szczegółowa analiza oparta na moim osobistym doświadczeniu.
PeerBerry
Konsumenckie11% Zwroty
Zalety
- Zero investor losses
- ECSP regulated
- Strong buyback
- Reliable
Wady
- Lower returns
- Limited loan types
Werdykt
Most reliable platform. Zero losses since launch makes it perfect for conservative investors.
Nectaro
Konsumenckie14.9% Zwroty
Zalety
- Highest returns
- 0% default rate
- Simple to use
- Fast growth
Wady
- New platform (2023)
- MiFID II regulation does not eliminate credit and liquidity risk
- Limited track record
Werdykt
Highest returns in 2026. New but very promising. Worth testing with small amounts.
Mypeak.finance
Biznesoweup to 16% Zwroty
Zalety
- Travel-finance niche
- High target yields
- Low entry threshold
- Monthly payouts
Wady
- Not regulated
- New platform
- Limited track record
- Tourism-sector concentration
Werdykt
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
Konsumenckie8.5-11% Zwroty
Zalety
- Regulated
- Conservative
- Reliable returns
- Good for beginners
Wady
- Lower returns
- Limited loan types
Werdykt
Conservative regulated option. Perfect for risk-averse investors seeking steady returns.
SAVY
Konsumenckieup to 13% Zwroty
Zalety
- Long operating history
- Regulated local operator
- Consumer loans diversification
- Auto-invest available
Wady
- Lithuanian market concentration
- Consumer-credit cyclicality
- Less passive than cash-style products
Werdykt
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
Nieruchomościup to 12% Zwroty
Zalety
- Real-estate backed focus
- Regulated crowdfunding profile
- Project-by-project transparency
- Accessible entry ticket
Wady
- Property-market liquidity risk
- Project pipeline can vary
- Capital can stay locked until exit
Werdykt
Promising regulated real-estate platform for investors who want asset-backed exposure and can accept project-specific liquidity risk.
Bondster
Konsumenckieup to 14% Zwroty
Zalety
- High advertised yields
- Broad consumer-loan selection
- Buyback-heavy marketplace model
- Low entry threshold
Wady
- No top-tier regulation
- Originator quality matters a lot
- Higher risk than conservative peers
Werdykt
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
Nieruchomościup to 14% Zwroty
Zalety
- Asset-backed real-estate angle
- Attractive target yields
- Simple niche positioning
- Useful diversification beyond consumer loans
Wady
- Limited public track record
- No strong regulation visible
- Real-estate execution risk
Werdykt
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
Rolniczeup to 18% Zwroty
Zalety
- Up to 18% annual interest
- Backed by real forest land assets
- Buyback guarantee
- Sustainable forestry niche
Wady
- Not regulated
- High minimum (€500)
- New platform with limited track record
- Illiquid (6-24 month terms)
Werdykt
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.
⚠️ Ostrzeżenie o Ryzyku
Inwestowanie w platformy pożyczek P2P wiąże się z ryzykiem, w tym z ryzykiem częściowej lub całkowitej utraty zainwestowanych środków. Twoja inwestycja nie jest objęta systemami gwarancji depozytów na podstawie Dyrektywy 2014/49/UE ani systemami rekompensat dla inwestorów na podstawie Dyrektywy 1997/9/WE. Możesz nie uzyskać żadnego zwrotu. Nie jest to produkt oszczędnościowy i zalecamy, aby nie inwestować więcej niż 10% swojego majątku netto. Nie jest to porada finansowa. Zgodnie z Rozporządzeniem (UE) 2020/1503.
🚀 Roadmapa i usprawnienia
Aplikacja mobilna
Natywna aplikacja iOS/Android do śledzenia portfela w drodze.
Śledzenie portfela Aktywny
Synchronizacja w czasie rzeczywistym z platformami, aby monitorować zwroty.
Inteligentne alerty
Powiadomienia o nowych okazjach i aktualizacjach platform.
👋 O Mnie — Francesco
Francesco z Włoch, pasjonat inwestycji alternatywnych.
Osobiście testuję każdą polecaną platformę własnymi pieniędzmi. Bez marketingu, tylko praktyczna analiza.