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Max exchange

Max exchange. Launched on February 25, 2018, MAX is a centralized exchange based in Taiwan. MAX (MaiCoin Asset Exchange) is part of the MaiCoin Group, a trading platform in Taiwan. It supports TWD (Taiwan Dollar) fiat trading pairs. It also reportedly supports TWD fiat deposits and withdrawals with local banks in Taiwan.

MAX Exchange provides transaction matching of fiat currency to virtual currency and virtual currency to virtual currency, which can be traded instantly through computer, mobile APP, and API binding.

Receive 20% discount on trading fees for the next 6 months here

MAX Exchange is a part of MaiCapital group. MaiCapital is a hedge fund company that uses quantitative analysis to invest in blockchain technology, virtual currencies and alternative assets. MaiCapital holds Type 4 and Type 9 licenses issued by the Hong Kong Securities and Futures Commission, allowing it to legally raise funds from accredited investors.

Vision

The future will be a decentralized financial world: valuable tokens can be issued and circulated, and transferred between individuals and machines, while being supervised by competent authorities, in parallel with the traditional financial world. The world will see an increase in self-sovereignty, prompting policies to be made more suitable for existing applications; decentralization will also reduce the cost and friction of all transactions.

Purpose

Leverage Taiwan’s unique strengths: Located at the center of the world’s most populous and fastest-growing Asia-Pacific region, Taiwan is not only rich in human and financial capital, but also has a vibrant and tolerant civil society. Therefore, Taiwan is best suited to try a new model – developing a brand-new financial system. Starting from Taiwan, breaking the barriers between the Internet and the physical world; bringing together the global markets of finance, IoT and artificial intelligence.

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Wazirx exchange

Wazirx exchange review.

Crypto projects are often preoccupied with different ways to promote themselves in a space full of loud and fast-moving players. One way involves handing out tokens to their users in return for learning, playing or even just walking around.

You may not need to buy or mine crypto to acquire some coins these days, but you do still have to give something in return – often it’s your time or attention. In some cases, you will still have to pay an initial lump sum to start earning income over time through your activities.

Whether these projects can prove sustainable in the long term is very much an open question.

About WazirX

Launched in 2018, WazirX exchange claims to be India’s fastest growing cryptocurrency exchange with over 400,000 users, with an average app rating of 4.6. WazirX is a part of the Binance ecosystem. WazirX and Binance have launched a $50 Million USD ‘Blockchain For India’ fund. The exchange is available for the global audience, and key features include:

  • Instant INR (fiat) deposit and withdrawal options
  • Smart Token Fund to help crypto investors find expert traders, and let them manage their cryptocurrency portfolio
  • World’s first auto-matching P2P engine with high liquidity
  • 80+ tokens
  • Login via Binance option

You can buy Bitcoin with your WazirX account by depositing INR in your WazirX account. It’s simple to buy any cryptocurrency from WazirX. 

  • Add Money to WazirX INR Wallet
  • After KYC is approved, the first step before you start trading on WazirX, is to add money to your WazirX wallet.
  • You can deposit as much as you can. The wallet of the WazirX allows the Indian rupees deposits via UPI, IMPS, RTGS, and NEFT. One can start with a minimum amount of Rs 100. However, there is no bar limit to deposit money above this. I strongly suggest starting with the minimum.
  • To deposit the INR into the WazirX wallet, you need to login and then click on the Funds.
  • For this, select the given option, “Rupee INR,” and then click on the given deposit section as mentioned in the image. After that, you need to link your bank account details with your WazirX wallet.

Once you’re done with this, you’ll be allowed to Instant Deposit using the RTGS/IMPS/NEFT or UPI

Money will be instantly credited to the WazirX account and can even be withdrawn from the account. Now that money is added, and once the amount reflects in your WazirX account, we can now start buying any cryptocurrencies.

#1. WazirX Trading Fees

You can trade cryptocurrencies in three different markets, namely the spot market, P2P market and STF trading. 

Trading fees for spot market transactions

The trading fee is 0.2% for both the buyer and seller for most of the cryptocurrency pairs.

You would get a 50% discount on trading fees when you enable the option to use WRX token to pay translation fees. Enable from Settings-> Fee Settings-> Pay Trading fees with WRX. 

Trading fees for P2P market transactions

Presently, the P2P market has only eight currencies paired against USD Tether (USDT). 

  • Euro (EUR)
  • Indonesia Rupee (IDR)
  • Indian Rupee (INR)
  • Nigerian Naira (NGN)
  • Russian Rouble (RUB)
  • Suadi Riyal (SAR)
  • Turkish Lira (TRY) 
  • Ukrainian Hryvnia (UAH)

In India, you can enter only USDT/INR transactions. 

The buy and sell fees are 0%.

The minimum sell or buy order value should be 14.5 USDT and the maximum buy order that you can place is 2000 USDT. WazirX does not disclose the maximum sell order size on the website.

WRX token

WRX is the utility token of WazirX. WRX token is based on the Binance blockchain. Its total supply is 1 Billion. The token holders will be rewarded with various benefits on the trading exchange like trading fee discounts, WRX trade mining, token airdrop, margin fee, and more. WRX and WRX are backed by Indian entrepreneurs with over 10 years of experience in building and scaling global products out of India. WazirX was also acquired by Binance in November 2019. The goal of WazirX is to make crypto accessible to everyone in India.

WazirX Minimum & Maximum Investment

The minimum deposit amount is Rs. 100 in your WazirX account. There is no upper limit to the amount of money that you can deposit. 

You can invest in a few of the cryptocurrency that costs less than Rs. 100. For example, TRON is presently priced at Rs. 10.50.

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Macabris is a DeFi protocol simplifying what life insurance companies are doing all the time

Receive increasing monthly payouts for 50 years, as long as the underlying celebrity is alive.

Macabris is a non-fungible token (NFT) on the Ethereum blockchain. Each token is unique and represents a specific celebrity. Owner of each token receives share of the monthly payout from distribution pool as long as the underlying celebrity is alive. Since total monthly payout amount is fixed, every token receives an increasing payout as other token celebrities keep on dying. 

What is Tontine?

A tontine is an investment plan for raising capital, devised in the 17th century and relatively widespread in the 18th and 19th centuries. Tontine enables subscribers to share the risk of living a long life by combining features of a group annuity with a kind of mortality lottery. Each subscriber pays an agreed sum into the fund and thereafter receives a periodical payout. As members die, their payout entitlements devolve to the other participants, and so the value of each continuing payout increases. On the death of the last member, the scheme is wound up.

What technology is behind Macabris?

Macabris is build on Ethereum ERC-721 Non-Fungible Token (NFT) standard. There are 7250 unique tokens, each representing a specific celebrity. The number of tokens is fixed: there will never be more or less.

What are the economics of Macabris?

Roughly every month a share of distribution pool will be paid out token holders. The pool is distributed in 600 installments. Every 30 days one installment will be paid out automatically and distributed to alive token holders. Example: let’s say there are 100 ETH in the pool and 100 alive celebrity tokens. Monthly payout is 1/600 * 100 = 0.1667 ETH, distributed per 100 alive tokens. As such, each token automatically receives 0.1667 ETH / 100 = 0.001667 ETH per token. Suppose, a month has passed, and 5 celebrities met their ends. There are total 95 alive tokens. Monthly total payout is the same – 0.1667 ETH, however it is distributed among the living tokens. Each alive token now automatically receives 0.1667 / 95 = 0.00175 ETH. Eventually, as more and more celebrities perish as the times goes by, the last remaining alive token will collect entire pool payout every month.

How long will the payments last?

The pool will be distributed in full in 50 years, a total of 600 periods. At the end of the periods the pool will be fully distributed and payouts will stop.

Which tokens receive a share of monthly payout from the Distribution pool?

All tokens that meet two criteria will receive an equal share of monthly payout: 1. a token is sold during ICO processes (i.e. revealed) and 2. underlying celebrity is marked as alive at the time the payout happens.

What happens when a celebrity dies?

Once a real-world death is confirmed, a celebrity is marked as dead by the Death Master. As the next payout happens, the token no longer receives the payout (it’s funds are instead proportionately distributed to other tokens that are alive). You may still trade a dead celebrity token.

Where do the funds in the distribution pool come from?

Funds in the distribution pool come from two sources: initial token sale and trade commission from subsequent token sales. During ICO, 80% of funds from sold tokens will be transferred to the Distribution pool. Wallet-to-wallet token transfer commission fee is 5%, 2.5% of which will go to the Distribution pool. The rest of fees will go to the Developer pool. As times goes by and tokens get traded between wallets, distribution pool will grow accordingly, and therefore – monthly payouts.

How are tokens marked as dead?

Macabaris is governed by multisig approach, managed by five wallets. 3 of the five wallets can replace any other governing wallet Majority vote is used to elect a “Death Master” wallet. Once the death of an underlying celebrity is confirmed from the public sources, the Death Master will marks it as dead in the contract. The five governing wallets can only access Developer pool and elected the Death Master. There is no way to access the Distribution Pool, change the rules or economics of smart contracts. Hence, Macabris is certain: same as death and taxes.

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Interview with BOLDYIELD crowdfunding platform

How would you describe BOLDYIELD platform?

Boldyield was established in 2019 and is a peer-to-business crowdfunding platform with focus on real estate and cash-flow business financing. Boldyield brings together developers and investors by helping businesses to reach funding and investors to grow wealth.

Majority of Boldyield projects are for real-estate development and are targeted on sustainability, especially green energy. Interest rate depends on the risk level of the project – we accept more stable and predictable businesses, thus giving an opportunity to our investors to earn 6 – 12% p.a.

Experts of Realto acts as our advisors where necessary. Realto is one of the largest real estate developers and managers in Latvia with more than 20 years of experience in real estate, business, legal and finance matters.

Welcome to watch an introductory video about Boldyield:

What are the biggest challenges in this first year?

One of the challenges we face is to attract attention from investors that suffered by P2B scam platforms during last 2 years. Several past and current events have left a major stamp on crowdfunding industry, but we are confident that the new Crowdfunding regulation (EU Regulation No 2020/1503) is not coming too late and would act as a lifejacket for crowdfunding – create strict and harmonized rules for crowdfunding, thus creating it as a safe place for investors, protect investments and build overall trust in crowdfunding.

We have experienced difficulties to attract projects that would pass our evaluation, are safe and at the same time are ready to pay interest that is attractive to investors. In the process of evaluation, we have had several projects that (1) would pass our evaluation but are ready to pay interest only up to 6%, or (2) they do not qualify and are too risky for our platform.

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What are the three main advantages for investors?

  • 100 EUR minimum investment amount: Investors can start investing in the projects on Boldyield platform starting 100 EUR;
  • Instant interest for all projects: Meaning that investor starts earning money from the first day of investment, and receives the first payout just at a time when the project gets funded in the Boldyield platform;
  • Secured investor funds: Transfer of funds to the borrower takes place only after we have made sure that investor money is secured with a collateral;

Is the technical platform self-developed or using white label solution?

The platform is 100% self-developed.

What ROI can investors expect?

If the funds of investor are invested in projects all the time (i.e., money is working), ROI of funds invested in Boldyield platform should exceed 9%. Achieved ROI depend on each investor individually – if the funds are not invested, ROI will decrease accordingly.

How does the platform evaluate borrowers?

Each project goes through in-depth financial and legal due diligence evaluation and have to pass Boldyield Risk scoring procedure before it is published on Boldyield platform. There are more than 15 criteria in the Risk scoring in three categories: financial health of the company, business management (and management experience) and company’s history. After evaluation the project gets an Overall risk rating from A-D, where A is the group of projects with the lowest risk. Projects with a risk rating D are not published on the platform.

Are you open to international investors?

Currently, we are open for investors within EEA.

Is your platform regulated?

At the moment crowdfunding and operations of Boldyield are not a subject to any specific law which require for us to get licensed.

On 10 November 2021 EU Regulation No 2020/1503 on European crowdfunding service providers for businesses (ECSP Regulation) will come into force and harmonize requirements for crowdfunding service providers across EU.

Boldyield is following most of requirements that ECSP Regulation introduces and we are now in the application process to get a Crowdfunding license once the ECSP Regulation will come into force.

How do you see BOLDYIELD platform in 5 years?

We believe that for the next 5 – 10 years alternative financing will become more and more popular (could even beat traditional financing) by providing services that matches the needs of businesses and by offering higher yields for investments. There is a trend in the market proving investors are searching to diversify their investments in instruments that have small risk and businesses are reaching for cheaper funding and co-funding to traditional bank loans that could be obtained fast. Because alternative financing is becoming more popular and crowdfunding is getting regulated (creating safe environment for investors), the aim of Boldyield for the next 5 – 10 years is to be part of supporting alternative financing and crowdfunding becoming No 1 fund originator for businesses.

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We are for less risk, but stable returns.

JOIN US AND get EUR 50 cashback added to your Boldyield user account, if you invest EUR 500 or more by 30 September 2021.

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Interview with LEORM crowdfunding platform

How would you describe LEORM platform?

LEORM crowdfunding platform is a platform for investments in property backed loans in real estate high quality development projects, and for acquiring shares in buy-to-let properties, where investors can get stable returns by investing from as little as 100 Eur.

What are the biggest challenges in this first year?

There are a lot. The biggest of them is gaining trust of individual investors. Despite the fact that we had success in so-called “club” financing attracting for projects we worked with (in total, for 64 projects – this track record is mirrored on our platform since we wanted to stress out our previous experience), the work with individual investors differs significantly. Usually, there is a completely other mode of communication with club investors and the information volume disclosed to them is much larger, than the information available publicly, on the platform. Furthermore, the communication happens more personally. This is the approach we are assaying to keep for individual investors, as well.

What are the three main advantages for investors?

Safety, profitability, stability. On the LEORM crowdfunding platform, investors could expect investment opportunities in loans for high-quality projects backed by property and buy-to-let property deals, which are not widely offered by Baltic platforms. We should highlight that LEORM is not a platform for risky projects. We are for those investors who wish to ensure for themselves stable income by investing in property at it various development stages. 

Is the technical platform self-developed or using white label solution?

LEORM platform is fully self-developed.

What ROI can investors expect?

Our historical average return on investment is 12.75%. Meanwhile, we have faced the quit natural situation when the stronger a project’s originator is (in the sense of collateral and ability to repay the loan), the higher are its chances to get traditional (bank) financing which is cheaper. Thus, we need to balance between the quality of the projects and the interest rates offered to our investors. To date, we prefer to have less risky and better quality projects for reasonable interest rates, which are from 8 to 11 percent. By this, we address those projects’ originators which potentially could obtain bank financing for their projects on later development stages, ensuring no-stress stable income for our investors. Besides, we are launching a new category of projects – buy-to-let, which assumes that investors acquire shares in properties, which generate income for investors by letting them. This will ensure stable income (yield) for the investors of the properties, which varies from 6 to 9 percent (depends on the acquisition price of a property). These are the projects for those investors who prefer stable income with minimum investment risk. 

How does Leorm platform evaluate borrowers?

We conduct a thorough legal and financial due diligence check before projects onboarding. The project study is based on the 6C model applied by various banks, which includes studies of Character, Capacity, Cash, Collateral, Conditions, and Control. The use of the evaluation method allows us to estimate a borrower’s ability to repay a loan, as it includes qualitative factors, not only quantitative, since our main priority is investors’ funds safety. More about the projects’ evaluation process

Are you open to international investors?

For now, we are open for all investors which have their bank or payment institution’s account in the EEA. Meanwhile, we do not accept investors from the USA. More about registration requirements

Is your platform regulated?

Crowdfunding itself, as a way of funds’ collecting, is not a subject to any specific law in Estonia, for the time being. Licensing requirements depend on the platform’s business model, namely, who is the addressee of the collected financing. When a platform issues consumer credits for private persons, for instance, it should be authorised by the Finance Supervisory Authority (FSA) of Estonia, and must have a relevant license for such kind of activity. In case when a platform’s business model assumes to finance legal entities solely, (our business model), it should be authorised by Estonian Finance Intelligence Unit (FIU). Therefore, we are authorised for acting as a financial institution by obtaining the license from the FIU. Thus, we can say that we are regulated in the form which is required by the state.

How do you see LEORM platform in 5 years?

The future of any crowdfunding platform depends on the financing conjuncture on the whole. Thus, we can say that we have our strategic plans for the upcoming years regarding the Baltic projects, mostly, but the plans are rather flexible to match upcoming changes of financial markets themselves.

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Estateguru review. Pros and Cons

Estateguru review. Estateguru is the leading European marketplace for short-term, property-backed loans.

In 2013 a group of real estate and fintech experts based in Tallinn, Estonia had a bright idea. What if they could break down the barriers which ensured that investing in secured property loans was a luxury only available to the wealthy and well-connected? And what if they could help entrepreneurs and visionaries in the property development business who struggle with the ‘one-size-fits all’ solutions offered by banks and major financial institutions at the same time? Thus EstateGuru was born.

Estateguru key metrics

Average return: UP to 12%

Investors: 79000+

Amount invested: 340M+ EUR

Regulated: Yes (has a crowdfunding licence in Lithuania, Germany and Finnland)

Secondary market: Yes

Auto invest: Yes

Estateguru PROS

  • High returns up to 11%
  • Easy to use
  • Autoinvest
  • Good track record
  • Regulated

Estateguru CONS

  • Real estate market risk

My personal review

Estateguru crowdfunding platform is a solid platform from Estonia which has issued loans worth of more than 340M eur. More than 79000 investors trust Estateguru. It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 12%. It is one of the biggest real estate crowdfunding platform’s in Europe.

NEXT post. P2P lending in Baltics. TOP 3 fast growing platforms.

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P2P lending in Baltics. TOP 3 fast growing platforms

P2P lending in Baltics. Early on, the P2P lending system was seen as offering credit access to people who would be spurned by conventional institutions or a way to consolidate student loan debt at a more favorable interest rate. In recent years, however, P2P lending sites have expanded their reach. Most now target consumers who want to pay off credit card debt at a lower interest rate. Home improvement loans and auto financing are also now available at P2P lending sites.

The financial world has witnessed the launch of many innovative products and services in recent years. Well-known examples include Bitcoin and other so-called cryptocurrencies, which many view as a substitute for traditional currencies; digital payment services that make taking care of bills and sending funds to family and friends a lot easier than it used to be; and online financial portals that allow people to access and monitor bank and other accounts from one location.

However, few of these innovations have proved to be the game-changer that peer-to-peer lending has been. In less than a decade, P2P lending has become a mainstream financial resource helping to match those who are seeking to borrow money for various reasons with those who are looking to earn more on their money. In fact, the global peer-to-peer market is expected to grow at a compound annual rate of nearly 50% through 2024, according to Transparency Market Research.

P2P lending in Baltics. TOP 3 fast growing platforms.

 Kviku is one of the fastest-growing Fintech lending groups globally. Kviku FInance positions as B2B2C credit platform which provides instant lending solutions to customers all over the world. Kviku operating companies are working under strict supervision of the local regulators including Central Bank (Russia, Kazakhstan), Securities and Exchange Commission (Philippines), ASNEF (Spain).

Kviku Finance platform key metrics

Average return: UP to 12%

Investors: 5000+

Amount invested: 100M+ EUR

Regulated: No

Autoinvest: Yes

Moncera is founded by Dmitri and Aleksei. Both are ambitious and experienced in the financial field. Combining Dmitri’s financial knowledges with Aleksei’s expertise in infotechnology make Moncera a successful investing platform. Moncera has a partnership with Placet Group. It has 15 years of experience in the financial field. The company provides variety of consumer loans as well as business loans. Placet Group operates in 3 markets under 7 brands: smsmoney.eesmsraha.ee and laen.ee in Estonia; smspinigai.lt and paskolos.lt in Lithuania; credit.pl and sloan.pl in Poland.

Moncera’s key metrics

Average return: UP to %12

Investors: 1000+

Amount invested: 6M+ EUR

Regulated: No

Autoinvest: Yes

Profitus is real estate investment platform. The idea of PROFITUS developed slowly. When working with real estate buyers and sellers and developing real estate projects, more and more people were asking about the possibility of investing their money in real estate. And Profitus has in mind not necessarily large sums of money. To keep money in banks is not a solution because nowadays banks do not pay interest, and investment in shares, with no specific knowledge of this area, is very risky. Yet, real estate is a tangible thing, it protects your money from inflations – in short, real estate is a solution you were looking for. And one more thing – imagine, your real estate constantly generates additional income. Nothing can be better! However, to be able to buy an apartment or commercial premises, renting them and getting passive income requires a substantial initial contribution.

Profitus platform key metrics

Expected annual return: UP to 13%

Investors: 2000+

Amount invested: 25M+ EUR

Regulated: Yes

Autoinvest: No

Secondary market: No

NEXT post: TWINO review. Pros and Cons

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Peer to peer lending in the Baltic States. TOP3 leading platforms

Peer to peer lending in the Baltic States.

P2P lending websites connect borrowers directly to investors. Each website sets the rates and the terms and enables the transaction. Most sites have a wide range of interest rates based on the creditworthiness of the applicant.

First, an investor opens an account with the site and deposits a sum of money to be dispersed in loans. The loan applicant posts a financial profile that is assigned a risk category that determines the interest rate the applicant will pay. The loan applicant can review offers and accept one. (Some applicants break up their requests into chunks and accept multiple offers.) The money transfer and the monthly payments are handled through the platform. The process can be entirely automated, or lenders and borrowers can choose to haggle.

Peer to peer lending in Baltic States. TOP 3 platforms

Twino platform has disrupted the traditional investment services industry by opening this market to the everyday person, all while providing the same level of safety you can expect from the incumbent banks and brokerages. While previously limited to the prosperous few, the peer-to-peer (P2P) lending platform, as well as other services such as online consumer and business loans, is what levels the playing field and increases accessibility to the previously cautious financial industry.

TWINO key metrics

Average return: UP to 12%

Investors: 22000+

Amount invested: 1B+ EUR

Regulated: No

Secondary market: Yes

Auto invest: Yes

Mintos platform was founded in 2015 and has since become the largest marketplace of its kind. On Mintos global marketplace, you can invest in loans, manage your risk with various tools, and earn attractive returns. Take a step towards financial freedom with this investment opportunity that  more than 394 300 investors around the globe

Mintos key metrics

Average return: UP to 12%

Investors: 394000+

Amount invested: 6.2B+ EUR

Regulated: No

Secondary market: Yes

Auto invest: Yes

Estateguru is the leading European marketplace for short-term, property-backed loans.

In 2013 a group of real estate and fintech experts based in Tallinn, Estonia had a bright idea. What if they could break down the barriers which ensured that investing in secured property loans was a luxury only available to the wealthy and well-connected? And what if they could help entrepreneurs and visionaries in the property development business who struggle with the ‘one-size-fits all’ solutions offered by banks and major financial institutions at the same time? Thus EstateGuru was born.

Estateguru key metrics

Average return: UP to 12%

Investors: 79000+

Amount invested: 0.33B+ EUR

Regulated: No

Secondary market: Yes

Auto invest: Yes

Next post: Peer to peer lending in Lithuania

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Twino review. Pros and Cons

TWINO review. Twino platform has disrupted the traditional investment services industry by opening this market to the everyday person, all while providing the same level of safety you can expect from the incumbent banks and brokerages. While previously limited to the prosperous few, the peer-to-peer (P2P) lending platform, as well as other services such as online consumer and business loans, is what levels the playing field and increases accessibility to the previously cautious financial industry.

TWINO key metrics

Average return: UP to 12%

Investors: 22000+

Amount invested: 1B+ EUR

Regulated: No

Secondary market: Yes

Auto invest: Yes

TWINO PROS

  • High returns up to 1č%
  • Easy to use
  • Autoinvest
  • Good track record

Twino CONS

  • Not regulated

My personal review

Twino platform is a solid platform from Latvia which has issued loans worth of more than 1B eur. More than 22000 investors trust TWINO. It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 12%. It is one of the biggest crowdfunding platform’s in Europe.

NEXT POST: Flender review. Pros and Cons

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Crowdestate review. Pros and Cons

Crowdestate review. Crowdestate Europe’s leading real estate crowdfunding platform.

Founded in 2014, Crowdestate is the leading real estate crowdfunding platform in Europe with 16.31% annual return rate, 52584 active users from 125 countries and 291 investment opportunities.

Key metrics of Crowdestate

Average return: UP to 16.31%

Investors: 52500+

Amount invested: 98M+ EUR

Regulated: No

Secondary market: Yes

Auto invest: Yes

Crowdestate PROS

  • High returns up to 17%
  • Easy to use
  • Autoinvest
  • Good track record

Crowdestate CONS

  • Not regulated

My personal review

Crowdestate platform is a solid platform from Estonia which has issued loans worth of more than 98M eur. More than 52500 investors trust Crowdestate. It is easy to use their investment platform and navigate through their dashboard. Returns are attractive and you can earn up to 17%. It is one of the biggest crowdfunding platform’s in Estonia at the moment.

Next post: Flender review. Pros and Cons