Nectaro AI Overview on 09/2025

Nectaro Overview

Nectaro is a Latvian-based alternative investment platform that allows retail investors to invest in loans for high-yield passive income.

Launched in late 2023, Nectaro operates under a license from the Bank of Latvia and complies with MiFID II regulations, offering a regulated and transparent investing environment.

Investors can earn annual returns in the 10–14% range by funding loan portfolios, with all loans protected by a 60-day buyback obligation from the loan originators.

The platform is backed by the DYNINNO Group, a global conglomerate (5,400+ employees) active in finance, travel, and tech, which lends Nectaro strong corporate support and credibility.

Key advantages of Nectaro include its competitive interest rates, user-friendly interface, and robust regulatory oversight, which together inspire confidence in a safe and legitimate operation for first-time investors.

However, being a new platform with a relatively short track record, it carries certain risks: limited diversification (only a few lending partners so far) and lack of a secondary market for liquidity.

In summary, Nectaro offers an accessible entry into peer-to-peer lending with high yields and strong safeguards, but investors should weigh the platform’s youth and concentrated loan offerings when considering it for their portfolio.

Nectaro: Product Offering

Nectaro’s investment product centers on “Notes”, which are regulated financial instruments that represent fractional exposure to pools of underlying loans.

When you invest in a Note, your money is allocated across typically 5–15 individual loans (e.g. consumer credit lines or installment loans), providing instant diversification within each Note.

Borrowers repay their loans in periodic installments, so investors receive monthly cash flows of interest plus principal as the loans amortize, rather than a single payoff at maturity.

Most Notes have moderate durations (the majority around 6–12 months), though some loan portfolios can extend up to about 4 years in term.

The annual interest rates offered to investors range roughly from 10% to 14%, with an average yield currently around 13.5%.

All investments are made in euros (EUR), but note that the underlying borrowers may be in other currencies – in such cases the lending company bears the currency exchange risk, promising to pay investors in EUR even if the borrower repays in local currency.

Each loan on the platform comes with an Early Repayment Obligation (Buyback Guarantee): if a borrower falls 60 days behind on payments, the originating lending company must repurchase the loan and pay the investor’s remaining principal and accrued interest.

This mechanism significantly mitigates default risk for investors, although it shifts the risk to the solvency of the lending company itself.

Geographically, the loans are currently focused in Eastern Europe and emerging markets – for example, personal consumer loans in Romania and Moldova, and business loans tied to group companies in markets like the Philippines – so investors should understand the specific market contexts.

Overall, Nectaro’s product is structured to be hands-off and fairly low-maintenance: you can start with as little as €50 per Note, choose an Auto-Invest option to automatically allocate funds, and then watch your money generate passive income as borrowers repay.

The key risks of the product include potential lending company failures (if a partner cannot honor the buyback) and illiquidity (you generally must hold Notes to term, since there’s no secondary market yet), but the platform’s design addresses many typical P2P pitfalls by spreading each investment across multiple loans and enforcing buyback guarantees.

Nectaro: Company Background

Nectaro is operated by SIA Nectaro, a company headquartered in Riga, Latvia. It obtained its Investment Brokerage Firm (IBF) license in 2023 and is supervised by Latvijas Banka (the Latvian central bank), which means it adheres to strict EU investor protection rules.

The platform is a part of the Dyninno Fintech Holding umbrella – in fact, SIA Nectaro is 100% owned by Dyninno Fintech (a Cypriot entity). The ultimate owners are Alex Weinstein (Dyninno Group’s founder, holding ~78% via a Malta company) and Dmitry Tsymber (Dyninno co-founder and EcoFinance founder, ~22% ownership).

This ownership structure makes Nectaro an in-house funding arm for the group’s lending businesses, a model that provides stability and aligned interests (similar to how some other P2P platforms fund their own affiliated lenders).

Nectaro’s management team is composed of experienced professionals from the Baltic fintech scene.

Sigita Kotlere, Nectaro’s CEO and Board Member, has been leading the company since 2022; she previously worked at Mintos (a major P2P platform) managing loan originator due diligence, experience that is highly relevant to Nectaro’s business.

Anna Berezovska is the Chief Commercial Officer (Board Member), and the platform’s founder Dmitry Tsymber also sits on the Board.

This leadership has deep insight into credit risk and platform operations – notably, many of the ~15 staff at Nectaro have backgrounds at other P2P lenders like Twino, Debitum, and even the ill-fated Grupeer, giving them perspective on both best practices and pitfalls in the industry.

The company emphasizes its mission of financial inclusion and education for young investors, reflecting in a modern, community-oriented branding (designed “with Gen Z and millennials in mind”).

Nectaro is a member of the national Investor Compensation Scheme under EU Directive 97/9/EC, which offers an extra layer of security – if Nectaro were to go bankrupt or misuse client funds, investors could claim 90% of their net loss up to €20,000 from the scheme.

It’s important to note this scheme does not cover investment losses due to borrowers defaulting or loan originators failing, but it does cover the platform risk (custody of your cash and securities).

All client funds on Nectaro are kept in segregated accounts separate from the company’s own funds, as required by regulation, ensuring that your money isn’t comingled with Nectaro’s operational accounts.

In summary, Nectaro is a well-capitalized, regulated fintech offshoot of a larger financial group. It benefits from Dyninno’s backing – for instance, the parent injected an additional €930,000 in capital in 2024 to support growth – and from a leadership team that has substantial P2P lending expertise.

This structure and oversight give the platform a solid foundation, though it also means Nectaro’s fate is closely tied to its parent group and affiliated loan companies.

Nectaro: Company Volumes and Performance

Since its launch, Nectaro has shown steady growth in both investor base and funded loan volume.

In the first quarter after going live (late Nov 2023 through Q1 2024), the platform attracted over 1,500 investors across 26 countries and facilitated nearly €800,000 in loan investments. Average account size at that early stage was around €4,800, indicating solid engagement from users.

Fast forward to mid-2025, Nectaro just announced a major milestone: surpassing €10 million in outstanding loan portfolio on the platform. By this point it has 8,000+ registered users who have collectively earned more than €750,000 in interest through Nectaro.

These numbers illustrate rapid scaling – the investor count grew more than five-fold in roughly a year, and assets under management have expanded to eight figures, underscoring strong market traction.

Notably, investor losses to date stand at 0.0%. This means that so far no Nectaro user has incurred a loss of principal on any loan – a result of the buyback guarantee and careful loan performance. All defaults or late loans have apparently been covered by the lending companies’ obligation to repurchase them, resulting in a 0% net default/loss rate for investors. It’s a very positive sign, though investors should remember this track record is still short and largely untested by severe economic stress.

In terms of returns, the average interest rate on available loans is ~13.5% as of August 2025, and indeed investors’ actual yields have clustered in the low teens (depending on portfolio mix and any cashback bonuses). An average investor’s portfolio size on Nectaro is around €7,000, indicating that many users are trying the platform with moderate sums.

We also have some demographic insight: in Nectaro’s first quarter, 79% of investors were male (averaging €5.2k invested) vs 21% female (averaging €1.8k), highlighting a gender investing gap that Nectaro noted it aims to narrow.

Looking at the lending side performance, the loan originators backing Nectaro’s Notes have shown solid results.

According to Nectaro, its two main partner lenders rank among the top five non-bank lenders in their respective countries (Romania and Moldova) and they regularly publish audited financials. Those financial reports show robust equity levels and reasonable leverage – for example, the Romanian lender had an equity-to-assets ratio improving to 34% in 2024, and a debt-to-equity ratio around 1.9× (indicating a comfortable capital buffer).

The health of these lenders is critical, since they’re the ones obligated to honor the buybacks. Thus far, all indications are that the loans financed on Nectaro are performing as expected and generating the promised returns for investors, with no hiccups reported in interest payments.

The company also emphasizes transparency in results: Nectaro was one of the first platforms to publish its 2024 annual report early, revealing around €72k revenue and a €987k net loss for its first full year. That loss is not unusual for a startup in growth mode – in fact, Nectaro significantly ramped up marketing and personnel spending to build the platform in 2024.

The parent Dyninno Group remains profitable (its fintech division posted a $3.2 million profit in 2023 despite higher costs) and has provided ample capital to cover Nectaro’s early-stage losses. The equity ratio of Nectaro’s own balance sheet is 64.5% and liquidity ratio ~1.97, which are very solid indicators for a financial firm.

In short, as of the latest data (mid/late 2025), Nectaro has achieved significant growth in users and volume, delivered strong returns (~13%+) with no defaults impacting investors, and maintained financial support from its parent to ensure ongoing stability.

Investors should still keep an eye on metrics like loan portfolio quality (e.g. any increase in late loans) and originator health, but so far the platform’s performance metrics paint a picture of successful scaling and effective risk mitigation in its early life.

Nectaro: Risk Management Approach

Managing investor risk is central to Nectaro’s model, and the platform employs multiple layers of protection and diligence.

First and foremost, every loan on Nectaro comes with a Buyback Obligation (termed “Early Repayment Obligation”): if a borrower is over 60 days late on payments, the loan originator must repurchase the loan and pay the investor the remaining principal plus accrued interest.

This guarantees that individual borrower defaults do not directly translate into investor losses (the risk shifts to the lending company). So far, this mechanism has been effective – Nectaro reports 0% investor loss rate as all delinquent loans have been bought back by the originators.

However, investors must understand that the buyback promise is only as good as the lending company’s financial strength. To manage this, Nectaro conducts thorough due diligence and onboarding checks on all partner lending companies before they can list loans.

The platform’s team (which includes former Mintos and Twino risk experts) continuously monitors the lenders’ financial and operational status and even has contingency “security mechanisms to collect debt” if a lender were to fail or stop cooperating.

For example, there may be legal agreements in place allowing Nectaro to enforce loan repayments or transfer loan servicing if an originator becomes insolvent.

Nectaro also insists that each originator provide audited financial statements regularly, and it publishes key financial ratios (equity ratios, debt levels, etc.) of those companies to investors for transparency.

Another risk layer is geographic and portfolio risk.

Nectaro currently funds loans in a few countries (notably Romania, Moldova, and group-related loans reaching the Philippines/Cyprus), which means there is a concentration risk in the platform’s offering. The flipside is that these are regions less saturated on other P2P sites, giving some diversification benefit to investors who already use more common markets.

The loans tend to be longer-term installment loans or credit lines rather than ultra-short payday loans, which actually reduces certain regulatory risks – longer loans in these countries are less likely to face sudden interest rate caps or bans compared to short-term microloans.

Nectaro’s risk team also assigns each Note series a currency (usually EUR) and the lending company absorbs any currency risk: if the borrower’s local currency depreciates heavily, the originator still owes the full euro amount to investors, which could strain them.

This setup protects investors from FX swings, but it’s another reason Nectaro watches its partners closely (a currency shock could hurt a lender’s ability to fulfill buybacks).

Platform-level risk (operational risk) is mitigated by Nectaro’s regulatory status.

As a licensed investment firm, Nectaro must follow strict safeguarding of client assets, IT security standards, and audit requirements. Client funds are held in segregated accounts at reputable banks and are never used for Nectaro’s own expenses.

In the unlikely event that Nectaro becomes insolvent or has its license revoked, there are procedures for an orderly wind-down – plus the Investor Compensation Scheme would cover eligible losses of cash or financial instruments up to €20k (90% of value).

Importantly, this scheme only covers platform fraud or failure, not bad loans or a bust of the loan originator.

To further insulate investors, Nectaro issues investments through a special purpose vehicle (SPV) that is wholly owned by Nectaro but does nothing else besides hold the Notes’ assets.

In essence, the SPV/issuer is isolated from other business risks, so even if Nectaro’s parent company had issues, the Notes should remain backed by their loan collateral with the SPV.

Nectaro also addresses conflicts of interest since it deals with affiliated companies.

The platform has internal policies to detect and manage conflicts between itself, the lenders, and investors. One example is that lending companies initially fund loans from their own balance sheet before selling them on Nectaro, which prevents any pressure to push low-quality loans onto the platform – they carry the risk first.

Additionally, all loans on Nectaro currently come from Dyninno Group companies or close partners, meaning Nectaro’s parent has a vested interest in these loans performing well.

There is no external “marketplace” originator yet, which gives Nectaro greater control and visibility over loan quality. However, it also means no diversification by originator group; the platform is exploring the possibility of a group guarantee in the future (where the parent group would back each originator’s obligations), but as of now each lender stands on its own.

From a practical investor standpoint, two risks to note are liquidity and payment timing.

Since Nectaro has no secondary market at present, you cannot easily exit a Note before it matures – your funds are locked in, which is why the platform offers a bit higher interest on longer loans as an “illiquidity premium.”

Nectaro’s loans typically pay monthly, but sometimes investors see a delay called “pending payments.” This is because Nectaro only settles with some originators weekly (e.g. Moldova) or bi-weekly (Romania), so even after a borrower pays, it might take a few days for funds to move from the lending company to the platform.

These pending payments can temporarily hold up withdrawals until the money arrives – it’s not a default, just an operational timing issue. Nectaro is upfront about this, and it’s a common situation in P2P lending that investors should be aware of.

In summary, Nectaro’s risk management is multi-faceted: regulatory safeguards, a strict selection of financially solid loan originators with published audits, ongoing monitoring of loan performance, and protective measures like buyback guarantees and segregated SPVs.

The platform encourages investors to educate themselves (providing each Note’s Base Prospectus detailing risks), and maintains transparency about portfolio health.

While no investment is without risk – investors still face the scenario that a lending company could fail and not fulfill buybacks – Nectaro has thus far demonstrated a proactive and prudent approach to risk mitigation, creating a relatively secure environment compared to many unregulated or less scrupulous P2P sites.

Investors should still diversify and invest amounts they can afford to have tied up, but they can take some comfort in the checks and balances Nectaro has implemented around their investments.

Nectaro: Platform Functionality

Nectaro is designed to be an easy-to-use, modern investment platform with features catering to both beginners and seasoned investors.

The website interface is clean and intuitive, available in English and Latvian (reflecting its home market in Latvia).

Signing up is straightforward – you must be an EU/EEA resident and pass Know-Your-Customer verification (including an investor suitability questionnaire, as required by the regulator).

The minimum to start investing is just €50, making it accessible for retail investors to dip their toes.

Once your account is funded (Nectaro accepts EUR deposits via bank transfer from your personal or company account), you have two main investment modes: Manual investing or Auto-Invest.

With Manual investing, you can browse the list of available Notes on the primary market, review each Note’s details (interest rate, term, underlying loan mix, etc.), and choose specific Notes to invest in, one by one.

This hands-on approach lets you target particular loan types or originators if you prefer.

For those who want a more passive approach, Nectaro offers an Auto-Invest tool: you set your investment criteria (such as desired interest rate range, loan term, and perhaps originator or country preferences), and the platform will automatically allocate your funds into new Notes that match those criteria.

Auto-Invest ensures your money is continually put to work without you needing to log in and invest manually each time a loan becomes available.

Nectaro just introduced Auto-Invest in 2025 as part of its platform upgrades, responding to user feedback for more automation.

One notable absence currently is a Secondary Market – there is no feature to sell your investments to other users before maturity.

Nectaro has indicated that since most Notes are relatively short-term (a large portion under 1 year), a secondary market was not a priority in the MVP (Minimum Viable Product) launch.

However, they acknowledge the value of liquidity and have plans to develop an early-exit or secondary marketplace in the future as the platform matures.

For now, investors should be ready to hold until the loans are fully repaid (though early borrower repayments can accelerate your returns).

In terms of dashboard and tools, Nectaro provides real-time tracking of your portfolio.

You can see each Note’s status, next payment dates, and your earned interest.

The platform also sends notifications or emails about key events (like if a buyback was executed on one of your loans or new Notes are available).

The user experience (UX) has been praised by investors for being clear and satisfying – even first-time investors find it easy to navigate.

The backend is responsive, and KYC approvals have been noted to be fairly quick (users report verification within hours in many cases).

For support, Nectaro offers a dedicated FAQ knowledge base (covering everything from how Notes work to tax reporting) and customer support via email.

Reviews highlight that customer service is responsive and willing to resolve concerns promptly.

The platform currently supports accounts for individuals and companies.

You can also set up multiple investor profiles if needed (for example, an individual might have a personal and a business account).

There is no mobile app yet, but the website is mobile-friendly for checking on the go.

Security-wise, as a regulated platform, Nectaro implements strong encryption and likely two-factor authentication for logins (standard in EU financial platforms).

Nectaro also runs promotional programs to enhance functionality and returns.

For instance, there is a Newbies Cashback campaign giving 1% cashback on all investments made in the first 21 days for new investors.

They have a referral program where inviting a friend can earn you a bonus (recently €40 + 1% of the friend’s investment).

Periodic promotions like the “August Accelerate” cashback offer up to 4% extra for increasing your portfolio during a certain period have been introduced to keep investors engaged.

These incentives can boost returns, though they are time-limited.

Another aspect of functionality is investment information and education.

Nectaro’s blog and site content place emphasis on investor education – they regularly post updates about their partner lenders’ performance, platform statistics, and guides (e.g., a recent interview with the CEO discussing the future of investing, and articles explaining risk management).

This aligns with Nectaro’s mission to demystify investing for younger generations and build trust by transparency.

Investors have access to each Note’s Base Prospectus and Final Terms documents, which detail the structure of the investment, risk factors, and info on the loan originator.

Such documentation is a positive consequence of Nectaro being a regulated platform – it ensures a high level of disclosure.

In summary, Nectaro offers a streamlined, user-centric platform with the core features needed to invest in loans effortlessly: a low entry point (€50), automated investing options, clear reporting, and helpful support.

While it currently lacks a few advanced features (like a secondary market or multi-currency support beyond EUR), it covers the essentials for retail investors to achieve “investing on autopilot.”

As the platform evolves, we can expect additional functionalities (they have explicitly mentioned plans for things like auto-reinvest and improved liquidity options).

For now, users appreciate Nectaro’s simplicity and the fact that they can “set it and forget it” to earn passive income in a regulated environment.

Nectaro: Negative Publicity and Concerns

While Nectaro has generally received positive feedback in the P2P community, there are a few concerns and points of negative publicity prospective investors should consider.

Firstly, the platform’s limited operating history is a common caution raised by bloggers and users. Nectaro only launched in late 2023, which means it hasn’t yet been tested by a full credit cycle or a major economic downturn. Some investors are taking a “wait and see” approach, as with any newcomer, until Nectaro can prove a multi-year track record.

The lack of diversification in loan originators is often mentioned: currently there are essentially two lending groups (EcoFinance’s operations in two countries, and one small group-affiliate lender). This concentration means if something were to go wrong with EcoFinance, for example, it could affect a large portion of Nectaro’s offerings. By contrast, more established platforms have dozens of unrelated originators which spreads risk. Nectaro plans to add more loan partners in the future, but as of now, investors must accept a relatively concentrated exposure.

A specific concern that has come up involves EcoFinance’s past issues in Russia.

EcoFinance (the parent of Nectaro’s CreditPrime lenders) had a Russian subsidiary operating under the brand CreditPlus. In mid-2022, that Russian lender was suspended on Mintos (another loan marketplace) due to the war and sanctions, leaving about €4 million in investor funds stuck.

As of late 2024, only ~11% of those funds had been recovered; roughly €3.6 million remained at risk/unrepaid from EcoFinance Russia.

This situation was caused by extraordinary geopolitical events – currency controls and sanctions prevented moving money out of Russia – but it highlighted a key risk: the buyback guarantee can fail if the originator is unable or unwilling to pay.

EcoFinance’s management has been working on a repayment plan with Mintos (they negotiated a restructuring and have slowly been repaying), and it’s important to stress that EcoFinance’s operations outside Russia remained healthy.

However, some investors view this as a red flag – the fact that the Dyninno/EcoFinance group did not immediately cover the Russian shortfall out of its own pocket (instead letting it drag on) suggests that no group-wide guarantee exists to automatically rescue investors in worst-case scenarios.

Indeed, Nectaro has confirmed there is currently no formal group guarantee on its loans, meaning if an originator like CreditPrime Moldova defaulted, other companies in the group are not legally obliged to step in.

This is a point of differentiation from some competitors (e.g., PeerBerry’s group guarantee structure).

The good news is that the EcoFinance issue was contained to Russia and stemmed from an external crisis; EcoFinance’s businesses in Nectaro’s markets (Romania, Moldova) have had no such payment problems, and they maintain strong financial ratios.

Nonetheless, potential investors have noted this history and may factor it into their risk assessment.

Nectaro’s CEO has indicated they’re considering a group guarantee for added safety, but until that materializes, this remains a known concern.

Some commentators have also drawn parallels between Nectaro and Twino, another Latvian P2P lender, noting that both are licensed platforms with group-owned loan originators, and cautioning that Twino had encountered risk management problems in the past (Twino had some delays in honoring guarantees during COVID and war impacts).

The implication is that Nectaro should be vigilant to avoid “bad risk management” issues that have hit similar models.

In response, Nectaro has tried to differentiate itself by emphasizing strict underwriting and by publishing its financials early (to demonstrate transparency).

In conclusion, the key investor concerns are:

• Nectaro’s youth and unproven long-term performance

• the limited number of originators (all within one corporate family)

• and the example of EcoFinance’s Russian default which shows that extreme scenarios can lead to investor funds being tied up or partially lost (on another platform).

Potential investors should also be aware of some negative press around the primary owner, although there’s no direct impact of that on current operations.

On the whole, Nectaro has not experienced any direct negative event on its own platform so far – no failed payments or scandals – and it’s building a positive reputation in the P2P space for openness.

But as with any investment, especially in peer-to-peer lending, it’s wise to do your due diligence, start with smaller amounts, and monitor updates.

Nectaro’s ability to maintain 0% losses and smooth operations will be the metric that ultimately overcomes initial skepticism.

Until then, prudent investors will keep these cautions in mind as part of their decision process.

Nectaro: Success Stories and Achievements

Despite being new, Nectaro has hit several notable milestones and successes that underscore its momentum.

Just three months after launch, Nectaro had already attracted over 1,500 investors and €800k in loan volume, as mentioned in a press release celebrating its inaugural quarter.

This quick uptake validated the strong demand for straightforward alternative investments across Europe – interestingly, investors from Germany, Lithuania, Austria, Portugal, and Latvia were among the most active early adopters, showing Nectaro’s appeal beyond its home country.

By mid-2025, the platform’s growth was even more impressive: Nectaro announced it had surpassed €10 million in outstanding investments on the platform.

Reaching an eight-figure portfolio in under two years is significant in the P2P industry and “speaks volumes about the trust investors place” in Nectaro.

Alongside that, crossing the 8,000 registered users mark and delivering over €750,000 in interest to those investors collectively are highlights that Nectaro is keen to advertise.

These numbers show that Nectaro has successfully scaled and gained credibility in a crowded market.

Another success is Nectaro’s commitment to transparency and regulatory leadership.

In early 2025, Nectaro became one of the first European P2P platforms to publish its full 2024 audited annual report, which was noted as a bold move since many competitors can be sluggish or opaque in financial reporting.

The report, audited by PwC, openly showed Nectaro’s financial performance (a ~€1M loss as expected for a startup, and strong capital support from the parent).

Industry observers took this as a “clear signal” of strategic direction and seriousness, reinforcing that Nectaro is in it for the long haul and willing to hold itself accountable to investors with concrete figures.

This level of transparency has been well-received and sets a positive precedent in the P2P sector, where trust is paramount.

Nectaro has also celebrated the success of its partner lending companies, which ultimately reflects on the platform.

EcoFinance, the group behind CreditPrime, achieved over 1 million active clients across its markets by mid-2025 – more than double the number at the start of that year.

This milestone indicates tremendous growth in their lending business and “growing demand for accessible financial solutions” in those regions.

EcoFinance also grew its loan portfolio to €22 million (up ~90% year-on-year), and has issued over €192 million in loans cumulatively across Romania, Moldova, and the Philippines.

The CEO of EcoFinance credited Nectaro as an instrumental partner in enabling this portfolio growth – essentially highlighting that Nectaro helped fuel their expansion by providing funding.

This is a success story for Nectaro in that it demonstrates a symbiotic growth: as EcoFinance doubles its customer base and loan book, Nectaro’s investors gain more opportunities and confidence.

It also underscores that Nectaro is empowering inclusive lending products (e.g., consumer loans via new mobile apps, as EcoFinance launched in the Philippines) which have real impacts in various countries.

On the innovation and product side, Nectaro’s team has delivered new features in line with their roadmap.

They successfully rolled out the Auto-Invest tool in early 2025, which was part of their 2024 vision to enhance user experience.

They also adapted their Newbies campaign based on user feedback, fine-tuning the terms to make it more attractive for new investors (the campaign offers 1% cashback for newcomers).

This responsiveness to user feedback is an achievement in customer-centric approach; it shows Nectaro is actively listening and improving.

Furthermore, Nectaro launched a generous referral program (everyone wins model) and seasonal promotions like the “August Accelerate” cashback up to 4%, which have been successful in engaging the community and driving portfolio growth.

The fact that thousands of investors participate and the platform can offer these rewards suggests Nectaro has enough funding and confidence to invest in its user base – itself a positive sign of success.

Another achievement worth noting is Nectaro’s integration into the regulated fintech community.

It became a member of Latvia’s national investor protection scheme and operates under EU directives from day one, which not all competitors managed early on.

Also, by virtue of being part of Dyninno Group, Nectaro benefited from an existing robust infrastructure (IT, compliance, etc.) and could scale quickly.

In press coverage, Nectaro’s growth and approach have been highlighted as contributing to shaping the future of regulated fintech, with its leadership often engaging in industry discussions about raising standards in P2P investing.

For instance, the CEO Sigita Kotlere has spoken about democratizing investing and dispelling myths for individuals – and the enthusiastic response from investors so far underscores that vision.

Finally, a softer success story is investor satisfaction.

Many early users have left positive reviews indicating that Nectaro delivered a smooth experience and met their expectations.

Comments like “very professional website, good customer service” and appreciation for how fast and easy everything works are common.

This goodwill is crucial for a platform’s word-of-mouth growth.

Nectaro replying to 100% of negative reviews on Trustpilot and resolving issues shows a commitment to maintaining a good reputation.

In summary, Nectaro’s journey so far is marked by rapid growth milestones, high transparency, and strong partnerships.

Reaching €10M AUM and 8k investors, powering a partner’s million-customer milestone, and publishing audited reports early are all significant achievements in its first ~1.5 years.

These successes, combined with responsive improvements and user accolades, paint Nectaro as a rising star in the P2P lending arena – one that is executing on its promises and building a foundation for long-term success.

Nectaro: Loan Originators and Their Profiles

Nectaro’s investment offerings are sourced from a select few loan originators (lending companies). These are the entities that actually issue loans to borrowers and then finance those loans through Nectaro’s platform. As of now, all originators are closely tied to the Dyninno Group, ensuring alignment and oversight. Below is an overview of the current lending companies, their business, and key facts:

CreditPrime (Romania) – EcoFinance Romania
CreditPrime RO is a consumer lending brand offering flexible personal lines of credit up to 2-year terms in Romania. Borrowers can draw funds as needed and pay interest only on the utilized amount, essentially like an open-end loan/credit line. This product is popular for providing 24/7 access to funds with freedom to repay or redraw as required.

CreditPrime is part of EcoFinance, a fintech lender founded in 2015, and has grown into one of Romania’s top non-bank lenders. Interest rates to borrowers are high (to match risk) but for investors, CreditPrime loans on Nectaro offer around 12% to 13.5% annual yield.

All loans come with a Buyback Obligation: if any loan is 60+ days late, CreditPrime will buy it back and repay investors.

Financially, EcoFinance’s Romanian operation appears strong – it had an equity-to-assets ratio of ~25% in 2023, improving to 34% in 2024, meaning over a third of its assets are funded by equity (a solid capital buffer). It’s also profitable; being part of Dyninno, it benefits from group support and shared technology.

Risk metrics: As of 2025, CreditPrime RO finances about 14% of its total loan book via Nectaro (the rest via shareholder loans and local banks), which implies it’s not over-reliant on P2P money.

The CEO of EcoFinance Group, Rucsandra Stanciu, oversees operations here and has cited significant growth – Romania is a key market with rising demand for consumer credit. Notably, there’s no currency risk for Nectaro investors because even if CreditPrime issues loans in Romanian Leu, they cover the exchange risk and pay Nectaro in EUR.

Negative publicity or issues: CreditPrime RO itself has had a clean track record so far. The main shadow was EcoFinance’s separate Russian affiliate (CreditPlus) defaulting on Mintos due to geopolitical issues, but in Romania, EcoFinance operates fully normally. In fact, the Central Bank of Romania had issued some directives in 2021 to EcoFinance (likely regarding consumer lending practices), but these were compliance adjustments and the company continues to function under Romanian law.

Overall, CreditPrime RO is a high-yield consumer lender with robust growth – it contributed to EcoFinance’s overall 1 million+ client milestone – and serves as a cornerstone originator on Nectaro, offering personal loans in a relatively underserved P2P market (Romania).

CreditPrime (Moldova) – EcoFinance Moldova
This is the Moldovan sister operation, also under the EcoFinance umbrella. It provides personal loans/credit lines in Moldova with terms up to 5 years. The product is similar: borrowers get ongoing access to funds with interest on what they use, offering flexibility in a market where such products are less common.

For Nectaro investors, Moldovan CreditPrime loans yield about 12.5% to 14% annually – slightly higher on the top end, reflecting perhaps a bit more risk or currency factor (Moldovan leu to EUR). CreditPrime MD also provides a buyback guarantee on all its loans.

Scale and financials: EcoFinance Moldova is one of the top 5 non-bank lenders in Moldova, per Nectaro’s info, and publishes audited reports. Its equity ratio was about 29% in 2023 and 22% in 2024, and debt-to-equity around 2.6× in 2023 rising to 3.5× in 2024. The drop in equity ratio in 2024 suggests they grew assets (loan book) faster than retained earnings – likely expanding lending aggressively – but these levels are still reasonable for a high-growth lender.

Investors finance roughly 30% of the Moldovan loan book via Nectaro, with the remainder from other funding sources.

Currency: Loans might be in Moldovan leu, but the platform Notes are in EUR; as per policy, EcoFinance covers the FX risk when repaying investors.

Performance: Moldova can have economic volatility, but longer installment loans here avoid the very short-term payday loans that often have high default risk. EcoFinance MD saw strong growth too – contributing to that €22M portfolio and benefiting from tech innovations (they likely share systems with Romania).

Management: The EcoFinance group manages Moldova and Romania together; Dmitry Tsymber (Nectaro’s founder) originally founded EcoFinance, so there’s close oversight.

Negative aspects: There’s no known controversy specifically about EcoFinance Moldova; any risk would be macro (e.g., Moldova’s economy or currency swings) or if the political situation in the region affected business. But EcoFinance has navigated this so far and even doubled its portfolio year-on-year, indicating competent management.

For investors, CreditPrime Moldova provides slightly higher yield loans, helping boost portfolio returns, and adds geo-diversification (Moldova is a novel market for many P2P investors).

Abele Finance (Latvia)
Abele Finance is a unique addition – it’s a business loan originator within the Dyninno Group, established in 2024 in Latvia specifically to fund Dyninno’s own group companies.

Instead of consumer loans, Abele issues unsecured business loans to sister companies in the Dyninno network, which operates in over 50 countries across travel, entertainment, finance, etc.

In practice, this means if a Dyninno subsidiary (say a travel tech company in Cyprus or an operations center in the Philippines) needs working capital, it can borrow from Abele, and Nectaro investors provide that capital.

The borrowers for Abele are currently in Cyprus and the Philippines (Dyninno has significant business presence in those locations). The loans are likely used to fuel expansion and operations of those entities.

For investors, Abele’s loans offer slightly lower returns – around 9% to 11% APY – which makes sense as they are corporate loans within a known group (potentially lower risk than random SMEs). These loans also carry a buyback guarantee from Abele, meaning if a Dyninno company borrower can’t pay, Abele Finance will repurchase the debt.

Since Abele is essentially an internal financing vehicle, the risk is tied to Dyninno Group’s overall financial health. Dyninno is a large, diversified company, and as per 2023 reports, the fintech holding (which includes Abele) was profitable (albeit with reduced profit due to investments).

Abele Finance itself is new – its 2024 financials show an equity-to-assets ratio of ~19.9% and a high debt-to-equity of 5.0× (meaning it’s leveraged, which is typical since it uses investor funds as “debt”). These numbers are expected for a brand-new financing arm (it likely started with a modest equity and took on funding to lend out).

Management & ownership: Abele is fully owned by Dyninno; presumably managed by Dyninno’s finance executives. By lending to in-house projects, Abele has intimate knowledge of the borrowers (they are sister companies), potentially reducing information asymmetry risk.

Portfolio: We don’t have public figures on how much Abele has lent, but it’s likely smaller scale compared to EcoFinance’s consumer lending. The very presence of Abele on Nectaro is a strategic choice – it allows investors to essentially back the Dyninno Group’s global ventures.

Potential concerns: One could view this as Nectaro investors financing the parent’s businesses, which introduces a conflict of interest risk (Nectaro has addressed conflicts by internal policies). However, from another angle, these loans could be seen as relatively safer because Dyninno would presumably not default on its own group obligations lightly (it would damage the whole group).

There’s no external track record for Abele yet, so investors rely on Dyninno’s reputation. No negative publicity exists about Abele specifically (it’s too new), but investors should monitor Dyninno Group’s health since Abele’s borrowers are within that ecosystem.

In addition to these, Nectaro may onboard more originators in the future, potentially from other countries or third-party lenders.

As of now, though, the EcoFinance duo and Abele are the pillars, covering consumer loans (unsecured personal credit lines) and corporate affiliate loans. Together, they give Nectaro a mix of high-yield personal credit and medium-yield corporate lending.

It’s worth noting that all current loans are unsecured (no collateral from individual borrowers or Dyninno companies), so the buyback guarantee is the de facto collateral – essentially the originating companies’ balance sheets stand behind the loans.

Both EcoFinance entities have demonstrated ability to cover buybacks from their profits (and have published audited financials to prove their stability). Abele’s capacity is directly tied to Dyninno’s support.

Loan originator summary:
EcoFinance’s CreditPrime in Romania and Moldova are big, established microfinance lenders with thousands of customers and years of operating history (and even presence on other platforms like Mintos historically).

They provide the bulk of Nectaro’s deal flow and are known to be profitable and among the top lenders in their markets.

They did face an extraordinary challenge in Russia, but outside that, they’ve shown strong growth (89% YoY portfolio growth) and tech innovation (new mobile apps, etc.).

Negative incidents are limited to the Russian issue; in their active markets on Nectaro, no scandals have emerged – regulators in those countries monitor them as any other microfinance company.

Management of EcoFinance is professional (CEO Rucsandra Stanciu) and the founder Dmitry Tsymber remains involved, ensuring continuity.

On the other hand, Abele Finance is an in-house lender financing group needs – it’s an innovative way to let investors fund Dyninno’s global expansion.

It’s still too early to evaluate Abele’s performance, but any success of Dyninno’s projects financed (say, a new travel product launch in the Philippines) could indirectly become a success story for Nectaro investors as well.

For investors, doing due diligence on originators is key: one should read the Base Prospectuses Nectaro provides for each (which detail the lender’s financials and risk factors).

So far, Nectaro’s originators seem financially sound and aligned with the platform’s interests – especially given the group ties.

But investors should stay informed: for example, if EcoFinance issues bonds or raises other funding, or conversely if any country’s regulations change (like interest caps in Romania, or economic shifts in Moldova), those developments could impact future loan performance.

Nectaro’s blog and stats pages do a good job of updating on originator health (such as the H1 2025 EcoFinance update boasting 1M clients and portfolio metrics).

In sum, Nectaro’s loan originators are a small, vetted set of lending companies with strong track records (in their markets) and deep integration with the platform’s parent group, which provides comfort but also means investors’ fortunes are tied to this specific group’s fortunes.

Is Nectaro a safe and legit platform?

✅ Yes, Nectaro is a legitimate platform regulated in the EU. It is licensed as an Investment Brokerage Firm by the Bank of Latvia (license no. 27-55/2023/3) and operates under MiFID II rules. Client funds are held in segregated accounts and Nectaro is a member of the national investor compensation scheme (covering up to €20k in case of platform failure). While no investment can be 100% “safe”, Nectaro has strong safeguards and transparency, and it has so far maintained a 0% loss rate for investors through its buyback structure. Always remember that the safety of your investment also depends on the underlying loans and borrowers, but in terms of platform integrity and legal oversight, Nectaro has robust protections in place.

What returns can I expect, and are they guaranteed?

❓ What returns can I expect, and are they guaranteed?
✅ You can expect returns around 10-14% annual interest on Nectaro, depending on the loans you invest in. The current average yield is about 13%. These returns come from borrowers’ interest payments. However, they are not guaranteed – investing in loans carries risk. The advertised rates assume borrowers pay on time and originators honor buyback if needed. Nectaro’s buyback guarantee (Early Repayment Obligation) significantly reduces the chance of losing money by obligating the lender to cover any defaulted loan after 60 days delay. Thanks to this, investors have earned the expected interest so far without losses. But if a lending company collapsed (and couldn’t fulfill buybacks), returns could be impacted. In summary, returns are high (much higher than bank deposits) but come with risk; Nectaro’s track record to date shows investors receiving the promised interest, yet you should diversify and invest prudently as these returns are projected, not federally insured.

How does Nectaro make sure my money is protected if the platform or a borrower fails?

✅ Nectaro uses multiple layers of protection. If a borrower fails to pay, the loan originator’s buyback guarantee kicks in, repurchasing the loan and refunding your invested principal plus accrued interest. If a loan originator itself goes bankrupt or fails, Nectaro has conducted due diligence to onboard only strong lenders and has legal agreements to enforce claims. There is no group guarantee yet, but Nectaro monitors originators and can take action to recover funds if needed. If Nectaro (the platform) fails or goes insolvent, your investments are held by a separate SPV (issuer) and your uninvested funds are in a segregated client account – these would not be treated as Nectaro’s assets. Plus, the Investor Compensation Scheme can reimburse 90% of any unrecovered amount up to €20k in case Nectaro cannot return your money due to its own default. In short, borrower risk is covered by the originator, originator risk is mitigated by careful selection and legal safeguards, and platform risk is mitigated by regulation and compensation schemes. There is still residual risk (e.g., extreme scenarios like war or multiple failures), but Nectaro’s framework is designed to protect investors’ money as much as possible.

Who can invest on Nectaro? Can I invest if I’m outside the EU?

✅ Nectaro is open to retail investors who are residents of the European Economic Area (EEA). You must be at least 18 years old and pass the KYC/AML identity verification. Currently, Nectaro focuses on EU/EEA retail investors due to regulatory permissions. If you live outside the EEA, you likely cannot invest on Nectaro at this time (for example, U.S. or Asian residents are not accepted). The platform is available in English (and Latvian), so it caters to international European investors – indeed, people from ~26 EU countries are already using it. When signing up, you’ll be asked for proof of EU residency (like an ID and possibly address verification). Companies based in EEA can also invest through a business account. If Nectaro expands its license or market coverage in the future, this may change, but as of now non-EEA investors are not eligible.