Übersicht
Viainvest is a Latvian P2P lending platform founded in 2016, committed to delivering consistent returns of up to 13.3% through a focused lending strategy emphasizing consumer loans und credit lines. With 47,016 aktive Investoren und €752M in total funded loans, the platform stands apart by offering robust MiFID II regulatory oversight und a solid 60-day buyback guarantee for investor peace of mind.
While Viainvest lacks a secondary market, its combination of regulatory compliance, buyback guarantees, und steady returns makes it particularly attractive to conservative investors Suche nach stability und regulatory protection. The platform has built a loyal investor base by prioritizing reliability over rapid growth.
Hauptmerkmale
Auto-Invest
Sekundärmarkt
Rückkaufgarantie
Mobile App
Verfügbare Darlehenstypen
Viainvest focuses on consumer lending und credit line products that deliver predictable returns. The narrower portfolio focus allows for specialized underwriting expertise und consistent risk management, resulting in reliable income streams for investors.
Vorteile und Nachteile
Vorteile
- ✓ Consistent returns up to 13.3% annually mit predictable income
- ✓ MiFID II regulated mit Central Bank of Latvia oversight
- ✓ 60-day buyback guarantee Bieten investor protection
- ✓ Focused strategy reduces complexity und operational risk
Nachteile
- ✕ No secondary market limits exit options und portfolio flexibility
- ✕ Higher minimum investment of €50 vs €10 on competitors
- ✕ Smaller investor base compared to Mintos
- ✕ Limited portfolio diversification concentrated in consumer loans
Wie es funktioniert
Open Your Account
Register und complete identity verification. Minimum investment is €50 to start.
Finanzieren Sie Ihr Konto
Transfer funds via bank wire. Money is available immediately for investing.
Invest in Loans
Choose individual loans or enable auto-invest to build a diversified portfolio automatically.
Earn Consistent Returns
Receive monthly interest payments. Use buyback guarantee to exit if needed within 60 days.
Gebührenstruktur
| Gebührentyp | Betrag |
|---|---|
| Anlagegebühr | Keine |
| Plattformgebühr | In Renditen enthalten |
| Auszahlungsgebühr | Keine |
| Buyback Fee | Keine |
Für wen geeignet?
Viainvest is ideal for conservative investors who prioritize safety und regulatory compliance over maximum returns. The platform suits:
- → Safety-conscious investors Suche nach MiFID II regulated platforms mit buyback guarantees
- → Income-focused investors wanting predictable 11-12% returns without volatility
- → Conservative allocators diversifying away from traditional bonds
- → Passive investors preferring hands-off management via auto-invest
- → European investors comfortable mit the higher €50 minimum investment
Top-Kreditunternehmen bei Viainvest
Viainvest works mit established consumer lending companies across Northern und Eastern Europe. These three companies represent the core originators driving the platform's consistent returns.
VIA SMS Ltd (VIASMS.lv)
Latvia
Licensed consumer lender founded 2009. Offers mid-term consumer loans up to EUR 3,000 mit 12-month terms. Regulated by Consumer Rights Protection Centre.
VIA SMS PL (VIASMS.pl)
Poland
Consumer lending subsidiary founded 2011, part of VIA SMS Group's pan-European expansion.
ViaConto Sweden AB (VIACONTO.se)
Sweden
Consumer lending company founded 2011, Bieten regional diversification across Northern Europe.
Fazit
Viainvest delivers what it promises: consistent, regulated P2P returns mit investor protection. The MiFID II compliance und 60-day buyback guarantee make this an excellent choice for conservative investors prioritizing safety over maximum yield. The returns up to 13.3% are competitive within the regulated segment, backed by €752M in deployed capital across 47,016 investors.
The lack of a secondary market und higher €50 minimum are trade-offs for regulatory oversight. If you're Suche nach a stable, predictable income stream from a properly regulated platform und don't need secondary market liquidity, Viainvest is an excellent core holding for your P2P portfolio.
Frequently Asked Questions
Is Viainvest regulated?
Yes, Viainvest is fully regulated under MiFID II und supervised by the Central Bank of Latvia. This regulatory framework provides investor protection und ensures the platform operiert unter strict financial compliance standards.
How does the Viainvest buyback guarantee work?
Viainvest offers a 60-day buyback guarantee on loans. If a borrower is more than 60 days late on repayment, the loan originator is obligated to repurchase the loan at face value plus accrued interest. This provides a safety mechanism for investors, though the guarantee depends on the financial health of the originator.
Does Viainvest have a secondary market?
No, Viainvest does not currently offer a secondary market. If you need to exit your investments before loan maturity, the buyback guarantee after 60 days is the primary way to recover your funds. Plan your investment horizon accordingly.
What is the minimum investment on Viainvest?
The minimum investment on Viainvest is 50 euros. The platform offers auto-invest functionality to help you automatically build a diversified portfolio of consumer loans und credit lines.
What returns does Viainvest offer?
Viainvest offers returns up to 13.3% annually. The platform focuses on consumer loans und credit lines, delivering consistent und predictable returns. With 752 million euros in total funded loans und 47,016 aktive Investoren, the platform has a solid track record of reliable income generation.