This is a sponsored review.
There’s a new name in European P2P lending, and it’s growing fast. Revest went live in December 2025, and by October 2026 investors had put €14 million through it. It pays 13.5% on loans that run for just 25 days, and up to 16% on longer business loans.
There are no fees, you can start with €10, and every claim comes with a buyback promise from the lender. That combination of very short terms and double-digit rates is hard to find elsewhere, so I took a proper look at how it works and who’s behind it.
If you’re new to P2P lending, read my guide to whether P2P lending is safe first, and see how Revest fits next to my list of the best European P2P lending platforms.
How Revest Works
Revest is run by FINTECH PLATFORM d.o.o., a company based in Pula, Croatia. Instead of lending money directly, you buy a claim: a lender assigns you part of its right to be repaid by a borrower. The paperwork is a three-way Assignment Agreement between you, the lender and Revest, which administers the platform.
Everything runs through auto-invest. You set up a portfolio with the loan type, lenders, term range and maximum amount per claim, and Revest buys matching claims for you as they come in. There’s no manual loan picking to babysit.
There are two products. Consumer claims last 25 days and pay principal and interest together at the end. Business claims run from one to 24 months and pay interest monthly, with principal at maturity.
Returns, Terms and Fees
Rates are fixed and published up front. As of October 2026:
| Claim type | Term | Annual rate |
|---|---|---|
| Consumer | 25 days | 13.5% |
| Business | 1 month | 14.0% |
| Business | 3 months | 14.5% |
| Business | 6 months | 15.0% |
| Business | 12 months | 15.5% |
| Business | 24 months | 16.0% |
Revest’s statistics page reports an average actual return of 14.17% across its users, in line with those rates.
There are no fees. Registration, deposits, investing and withdrawals are all free, though your own bank may charge for the transfer. The minimum per claim is €10, withdrawals start at €50 and normally land in two to three business days. You deposit by SEPA transfer from a euro account in your name. Revest doesn’t withhold tax, so you declare the interest yourself.
The Lenders Behind the Loans
All the loans on Revest come from GM Group, a Kazakh lending group, through two consumer lenders and the group holding:
- GMoney, the consumer brand of UNICREDO MFO LLP, licensed by Kazakhstan’s financial regulator and lending since 2019. It makes fully online short-term loans, with an average term of 25 days.
- MoneyPlus (MoneyPlus MFO LLP), a newer consumer lender licensed in 2025, with a secured car-loan product in development.
- GM Group Limited, the holding company at the Astana International Financial Centre, which issues the business-loan claims and uses the money to fund the group’s lenders.
UniCredo is the most established of the three. Its 2025 accounts were audited by Russell Bedford with a clean opinion, and it has a track record of raising money through bonds listed on the Kazakhstan Stock Exchange. Its share of loans more than 90 days overdue fell from 18.8% to 13.5% during 2025.
Revest and the lenders share the same founder, Yuriy Kan, and Revest acts as the group’s European funding channel. It’s open about that: the lender documents, investor decks and financial updates are all published on the originators page and blog, so you can see exactly who you’re lending to.
Buyback Obligation
Every claim currently comes with a promise from its lender: if the borrower falls too far behind (reviewers report 30 days), the lender buys the claim back, so you get your money and interest back without waiting for the borrower. The obligation stays with the claim if you sell it.
It’s working in practice. Revest’s statistics show 18,104 claims, about 19.9% of everything repaid, came back through buyback, and there are no claims sitting more than 30 days late on the platform. Like any buyback, it’s only as strong as the lender behind it, and Revest is careful to say it isn’t a guarantor itself.
Statistics and Growth
Revest updates its statistics daily. On October 12, 2026, they showed:
- €14.01 million in claims acquired since launch, €8.30 million already repaid and €4.31 million outstanding
- €118,000 of interest paid to users
- 847 active users
- 94.34% of open claims current, with the rest under 30 days late
Cumulative volume went from about €537,000 at the end of March 2026 to €12.9 million by September. The blog also posts commentary on the lenders’ financial results, including the less flattering parts, which is more than many platforms do.
Liquidity and the Secondary Market
The 25-day consumer claims are the big draw here. Your money comes back within a month, so you can test the platform with a small amount, watch repayments arrive and scale up from there, or step back without being locked in.
For longer business claims, a secondary market launched in September 2026. Current claims can be listed for sale at face value, and other users’ auto-invest portfolios pick them up. It’s a first version, so plan to hold six-to-24-month claims to maturity and treat the market as a bonus.
Cashback and Referral Offers
Revest has run cashback campaigns almost continuously since launch. The current one runs until November 30, 2026, and pays a one-off bonus on top of the interest, based on the claim’s term: 0.25% on 25-day and one-month claims, 1% on three months, 2% on six months, 4% on 12 months and 6% on 24 months. You can take it upfront or as it accrues.
The referral program pays both you and a friend 0.5% of what the friend invests in their first 30 days, and there’s a welcome offer for new users too. Check the current terms when you sign up.
How Revest Compares
The closest comparison is PeerBerry, which also works without a license of its own and funds one main lender group, Aventus. PeerBerry has years of honoring its buyback behind it, while Revest is starting that track record now.
Mintos is the regulated heavyweight, a MiFID II investment firm with dozens of lenders. Nectaro is licensed by the Bank of Latvia and pays in the same 13% to 15% range, and Afranga is regulated under the EU crowdfunding rules. Revest matches them on rates and beats them on how short its terms are, with no fees on top.
What to Check Before You Invest
A few things are worth a look before you sign up. Read the Assignment Agreement, which sets out the buyback terms and how currency is handled, since the underlying loans are in Kazakh tenge. Revest isn’t a licensed investment firm, so the agreement is what governs your claims.
All the loans come from one lending group, so think of Revest as one part of a portfolio spread across several platforms. The platform is young, and the 25-day claims are an easy way to start small and build confidence as repayments come in.
Who It Suits
Revest suits P2P investors who want double-digit fixed rates with very short terms, zero fees and a simple auto-invest setup. The 25-day claims make it easy to start small and see how it performs before committing more.
If you prefer regulated platforms only, see the licensed options in my best European P2P lending platforms list. If short-term, high-yield lending fits your plan, Revest is worth a look.
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