Monethera is the new Estonian crowdinvesting platform that joins the high performance companies that have emerged since 2018 when Envestio and Crowdestor kicked off this investment-focused business model for projects in highly profitable sectors such as real estate, energy, cryptocurrencies, etc.
The platform we are dealing with today, in particular, is closely following the model that has worked so well for Envestio, with very high profitability opportunities (the average of the platform at the moment is 18.5%) of which We can go out and make liquid at any time through what they call BUYBACK GUARANTEE, which is actually a direct sales mechanism of our shares back to the platform paying a penalty (similar to Envestio).
Do you want to know more details about Monethera? … Well, stay because we were among the first to test it thoroughly to bring you this MEGAreview with all our opinions and analysis 🙂
What is Monethera Statistics and Global Data
Monethera is a platform registered in Estonia that started in 2017 in the form of a private investment fund and that has recently opened -in the middle of 2019- the doors to investors from all over the world to become a global crowd-investing platform.
First Steps in Monethera
Monethera follows a registration procedure common to that of other P2P companies , which involves completing an initial questionnaire, validating the email address, verifying identity by sending a photocopy of the passport or ID and a receipt as proof of residence. and the execution of a first transfer to start investing.
Requirements to create an investor account in Monetera
+ Be of legal age
+ Registration is open to citizens of ALL nationalities, except the United States, China, Lithuania, Latvia and Estonia.
Steps to Open an Account in Monethera
➊ Fill in the initial registration form.
➋ Confirm the email address.
➌ Upload the necessary identity documents to verify identity.
➍ Make the first bank transfer from an account of our property
Deposits How to add funds to our Monethera account
We can make our first contribution through bank transfer, following a procedure similar to that of other crowdinvesting platforms. Specifically, Monethera works with the bank AS SEB BANK, and by pressing the DEPOSIT button from our DASHBOARD, they will indicate an account number and a concept to carry out the transfer.
Monethera Promotional Code – New Users Bonus
How Monethera Works Commissions
Monethera is a “0.0” platform, with absolutely NO commission for the investor, as we like in and as it should be in ALL platforms 🙂
How to Invest in Monethera OU in 2020
In Monethera, as in most crowdinvesting platforms, there is only one investment modality: the manual for projects from just 1 euro per operation. We will comment below some of the most important parameters that define the aspects of the investment.
Investment Manual Analysis Monethera Group – Most Important Parameters
In the PROJECTS tab of our Control Panel we will have access to the projects currently open to investment, in which we can invest MANUAL from a single euro per operation. Let’s see the most relevant information presented about each of the loans:
In Monethera it is common to see opportunities from different sectors such as real estate, industrial, energy or technology, and as far as possible it is always good to diversify the sector mix of our portfolio.
➋ Funding Target
Amount requested by the borrower, which, if obtained, will close the financing round successfully and will not accept new contributions from investors.
➌ Loan Period
The duration in months of the loan to be financed. In Monethera it is relatively common to find operations under the year.
➍ Interest Rate
Probably the parameter that matters most to all investors … Monethera meets in this section with ease, being in fact one of the strongest platforms in terms of performance, even above the average of crowdinvesting platforms.
➎ Project Status
It can be ACTIVE (active, which still accepts financing) or CLOSED (closed to new investments, and underway)
➏ More Information
Clicking on this button we will access the detail sheet of the project, where we can consult even more information:
The company taking the loan … it is always good to have this information in case we want to do additional checks on our own.
Amount financed to date … Interestingly in Monethera to see this information we have to enter the detail card. In other platforms, it is usual to present the% of financing of a specific operation directly on the catalog page of projects to invest.
ATTENTION: this “Buyback” refers to the possibility of selling our participation in the loan at any time back to Monethera, and the penalty that we will have to pay (normally 5%, but may change depending on the project).
➓ Invest in this Project
In this section, we will indicate to the system the amount that we want to invest and we will confirm the operation by clicking on the black button … Ready!
Monethera How Autoinvest Works – Step by Step Tutorial and Configuration
The platform does not have an Auto-Invest function. Although it is always an interesting feature, like most crowdinvest pages, Monethera has a perfectly manageable volume of opportunities in manual mode, so we do not consider this lack a priority.
Monethera Secondary Market and Liquidity
Monetehra does not have a secondary market, even so, like other platforms such as Envestio or Kuetzal, it has a direct sale mechanism of our shares to the platform (called “Buyback”) that allows us to instantly recover the capital invested in any project. paying a 5% penalty.
Monethera Buyback Repurchase Guarantee
Monethera projects have a Buyback Gurantee which activates in case of default and compensates investors with at least 35% of the amount originally invested.
Monethera puts lenders directly in contact with borrowers, without the Originator figure or any other intermediate part beyond the platform itself.
Monethera Cash Withdrawals
Monethera allows us to withdraw our available balance at any time and from one euro, without charging any type of commission to the investor . Usually the withdrawals are processed quickly and in one or two business days we will have the money back in our bank account.
Is Monethera Group OÜ safe? Risks and Regulation
Monethera is a company registered in Estonia since November 2018, with registration number 14616437 subject to the commercial laws of Estonia and Europe.
Like the rest of the platforms in crowdinvesting, investing in Monethera projects can be a very profitable activity, but not without risk, some of which we indicate below:
Risk of Lack of Liquidity
In crowdlending platforms, the lack of liquidity is always one of the factors that we must take into account when investing. Monethera presents a mechanism of direct sale to the platform (called “Buyback”) so that we can sell our shares directly at any time and make them liquid, paying, however, a penalty, which is usually 5% of the capital to be redeemed , but may vary depending on the project.
Risk of non-payment of loans by borrowers
The risk of default by the borrowing companies is one of the main risks faced by investors in crowdinvesting platforms. In the case of Monethera, according to its FAQ and T & C, a strict process of selection of opportunities and filtering of borrowers is carried out as a mechanism to minimize incidents that may occur, but in any case, a good diversification is always advisable on our part.
Bankruptcy risk of one of the Originators
In Monethera there are no Originators, so this risk is not applicable.
Bankruptcy Risk of the Platform
There is no explicit mention in the FAQ or as far as we know in the platform’s T & C about exactly what would happen in the unlikely event that the platform breaks down.
Ergonomics Monetehra Web and Reports
The website of Monethera is very simple to use, practically a copy of Envestio, with a great simplicity and clarity in the presentation, being suitable to navigate even for the most novice in the world of crowdlending.
If we carry out the distance study in clicks for the most habitual operations that we usually carry out, we obtain the following results:
★★★ 3 clicks to invest in one of the loans.
★★ 2 clicks to see the status of one of the loans in which we have invested.
★★★ 3 clicks to withdraw money.
Which is in the average of the crowdlending platforms analyzed.
Monethera Annual Return Real Expected
✰ Monethera has an average gross return of approximately 18 % , depending on the specific opportunity.
✰ It does not present management commissions, nor any other type of commissions, with which there are no losses in this sense.
✰ Substantial loss due to long-term defaults is not to be expected.
✰ The estimated annual average net profitability, therefore, is 18% base minus (0)% of losses and commissions = 18% net annual for a well-diversified portfolio in the long term , which is well above the average of platforms of crowdlending evaluated on this web.
Taxation Monethera OÜ – Tax Retention
Monethera DOES NOT practice any withholding of the interests obtained in its platform. It is our responsibility to declare them in the IRPF / Annual Income Tax Return. Remember that the interests of crowdlending are taxed as return on movable capital. In case of doubts, please consult with a tax advisor.
Monethera P2P Lending – Contact Information and Customer Service
Monethera has physical offices in Tallinn, Estonia and a contact email for the investor that is firstname.lastname@example.org
In our experience, the Monethera staff responds quickly and efficiently in an professional manner.
The Team behind the Company
Andis Taubergs – Project Manager
Economist with extensive experience as a Project Manager in the industrial, commercial and infrastructure areas.
Kristine Romanova – Investment Advisor
Viktors Mirosnicenko – Financial Analyst and Risk Specialist
Is Monethera safe and reliable? Opinion Forums, Networks, Aggregators …
So far all feedback coming from investors has been crearly positive, with no bad reviews in any of the sources we use.
Our Personal Investment Strategy in Monethera
✰ Diversification is the key: We will take advantage of the opportunities offered by the platform to distribute our capital in the maximum possible number of projects -even at the cost of sacrificing profitability- and thus not concentrate all our investment in one or a few operations.
Opinion Monethera 2020 – Final Conclusion
Monethera is a new crowdinvesting platform that presents a priori all the ingredients to turn it into a candidate to take into account, with one of the highest average returns at present , investments from a single euro and instant liquidity with its Buyback mechanism.
Advantages of Monethera – Strengths
➊ Very high average returns in their projects, being one of the strongest platforms in this regard.
➋ Unit investments from one euro per operation.
➌ Possibility of liquidizing our investment instantaneously through the “Buyback”
➍ Very simple and accessible interface for all types of crowdinvesting users.
Weaknesses and Aspects to improve
➊ Monethera is a young company that is increasing its client and investor base. The long-term performance of its operations is confirmed.
Alternatives to Monethera Review
More than alternatives, we must take some of Monethera’s sister pages as excellent complements for it, all of them Estonian platforms of high profitability crowdinvesting: Envestio, Crowdestor, Kuetzal, Wisefund and TFG Crowd, all of them accessible through the search engine or the menu of our website
Do you want to have a space to comment and share your doubts and experiences about this Estonian platform of crowdinvesting? … Look no further, here below we enable the Monethera Forum so you can express yourself and ask freely … Write us your comment! 🙂