Nectaro has quickly become one of the most compelling newcomers in European P2P. A 14.91% return in 2025, MiFID II regulation, zero investor losses so far, and the backing of the billion-dollar Dyninno Group. It’s earned a place in my portfolio.
So why look elsewhere?
Two reasons. First, Nectaro has no secondary market yet, so once you invest, your capital is locked until the loan matures. If you need liquidity, that’s a constraint. Second, both of Nectaro’s loan originators belong to its parent, the Dyninno Group, which concentrates your risk on a single corporate family. Spreading across other platforms offsets that. Here are the ones I’d put alongside it.
Quick Comparison: Nectaro vs the Alternatives
| Platform | Best For | Avg. Returns | Regulation | Secondary Market | Review |
|---|---|---|---|---|---|
| Mintos | Diversification and scale | ~12% | MiFID II licensed | Yes (0.85% fee) | Review |
| Afranga | High yield + ECSP regulation | ~13.9% | ECSP licensed | Limited | Review |
| ViaInvest | Regulated model with liquidity | ~12-13% | MiFID II licensed | Yes | Review |
| PeerBerry | Track record + loyalty bonus | ~11% | Not regulated | No | Review |
Mintos: The Diversified Core
If Nectaro’s concentration in two Dyninno originators is what worries you, Mintos is the direct antidote. More than 60 loan originators across 33+ countries, plus bonds, ETFs, and real estate. It’s MiFID II licensed with the EUR 20,000 compensation scheme, it has a secondary market for early exits, and it’s pursuing a banking license. The trade-off is a lower realized return (~12% advertised, closer to 9% in my own nine-year experience) and modest fees. It’s the obvious core holding to pair with or replace a concentrated platform.
Afranga: Similar Yield, Different Country
Afranga matches Nectaro’s high yield (~13.9%) and adds ECSP regulation, with a zero-default record to date. It’s Bulgarian rather than Latvian, so it diversifies you geographically, and it has six originators rather than two. The downsides are no auto-invest and a 10% Bulgarian withholding tax. If you want comparable returns from a different regulatory framework and country, Afranga is the closest like-for-like swap.
ViaInvest: The Regulated Twin With Liquidity
ViaInvest runs almost the same model as Nectaro: a Latvian, MiFID II regulated platform funded by its parent group’s lending subsidiaries (VIA SMS Group, operating since 2009). The key difference is that ViaInvest has a working secondary market, directly solving Nectaro’s biggest gap. Returns are slightly lower (~12-13%) and loans are short-term (30 days), but if liquidity is the reason you’re looking past Nectaro, this is the natural alternative.
PeerBerry: Proven Scale
PeerBerry trades regulation for track record. It’s not MiFID II licensed, but it has run since 2017 with no major originator defaults, EUR 3.24 billion funded, and 110,000+ investors. Its loyalty program adds up to 1% for larger investors, and it charges zero fees. If you want a more established platform with a longer history than Nectaro, PeerBerry is the proven option, just understand it operates without Nectaro’s regulatory protection.
How to Choose
If your concern with Nectaro is concentration, go to Mintos for breadth. If it’s liquidity, ViaInvest give you a secondary market. If you simply want another high-yield regulated platform in a different country, Afranga is the closest match. And if you want a long track record above all, PeerBerry has it.
For most investors, the smartest move isn’t to replace Nectaro but to pair it. Nectaro for the headline yield, Mintos for the diversified, liquid core, and one of the others to spread your regulatory and geographic risk. That’s how I structure my own P2P allocation, and it’s how I’d recommend most people approach it.
Frequently Asked Questions
What is the best alternative to Nectaro?
It depends on what you’re solving for. Mintos is the best alternative for diversification and liquidity; Afranga for matching Nectaro’s high yield with ECSP regulation; ViaInvest for a near-identical regulated model that adds a secondary market. Most investors hold Nectaro alongside one of these rather than replacing it.
Is there a Nectaro alternative with a secondary market?
Yes. Nectaro has no secondary market yet, but Mintos, ViaInvest all offer one, letting you exit loans before maturity. ViaInvest is the closest match to Nectaro’s overall model.
Which alternative is the most regulated?
Mintos and ViaInvest are MiFID II licensed; Afranga hold ECSP licenses. All four are properly regulated. PeerBerry is the one unregulated option on this list, offset by its long track record.
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