Esketit VS Nectaro
A trade-off between secondary market liquidity and regulatory protection with higher returns
Esketit
Growing platform with fee-free secondary market
Nectaro
Regulated newcomer with strong returns and buyback
Head-to-Head Comparison
11.83%
12.9%
€10
€50
Unregulated
Licensed IBF (MiFID II)
Yes (fee-free)
No
Variable
Yes
Yes
Yes
29,689 investors
~15,000 investors
Returns & Investment Performance
Nectaro delivers an impressive 12.9% average annual return, surpassing Esketit's 11.83%. That 1.07 percentage point difference compounds meaningfully over time -- on a EUR 10,000 investment, it translates to roughly EUR 107 more per year. Both platforms offer strong double-digit returns that significantly outperform traditional savings accounts and many bond funds. Nectaro's higher returns combined with its regulatory status make it an attractive proposition for return-focused investors who also value safety.
Regulatory Framework & Safety
Nectaro holds a licensed Investment Brokerage Firm (IBF) status under MiFID II, providing EU-level investor protection, capital adequacy requirements, and regulatory oversight. Esketit operates without regulation. This is a substantial difference: Nectaro's regulatory framework means audited financials, segregated client accounts, and legal recourse if something goes wrong. Despite being newer, Nectaro's regulatory compliance demonstrates a commitment to transparency and investor safety that Esketit has not yet matched.
Liquidity & Secondary Market
Esketit's fee-free secondary market is its strongest advantage over Nectaro. You can sell your loan investments before maturity without paying any transaction fees, providing genuine flexibility to access your capital when needed. Nectaro has no secondary market, so your money is locked until each loan matures. For investors who may need to rebalance or access funds unexpectedly, this is a significant practical advantage. Esketit's secondary market essentially adds an insurance policy against liquidity needs.
Buyback & Default Protection
Nectaro provides buyback guarantees on its loans, automatically repurchasing defaulted investments. Esketit's buyback protection varies by loan originator -- some loans include buyback while others do not. Nectaro's consistent buyback policy gives investors clearer expectations about default risk. Combined with its regulatory status, Nectaro offers a more comprehensive safety package, though Esketit's secondary market provides an alternative exit mechanism that can serve a similar purpose in practice.
Platform Maturity & Growth
Both platforms are relatively young: Esketit launched in 2020 and Nectaro in 2022. Esketit has a two-year head start and nearly double the investor base (29,689 vs. ~15,000). However, Nectaro's rapid growth despite launching more recently suggests strong market demand for its regulated, high-return model. Neither platform has a long track record through full economic cycles, which is a shared risk factor. Esketit's larger community means more liquidity on its secondary market, while Nectaro's faster growth rate could close the gap quickly.
The Verdict
Choose Esketit if: You prioritize liquidity and want the ability to exit investments anytime through a fee-free secondary market. You prefer a slightly more established platform with a larger investor base. You're comfortable without regulation in exchange for maximum flexibility.
Choose Nectaro if: You want higher returns (12.9% vs. 11.83%) combined with MiFID II regulatory protection and guaranteed buyback. You plan to hold loans to maturity and don't need a secondary market. You value the security of a regulated framework over liquidity options.
Balanced Strategy: These two platforms complement each other well. Use Nectaro for higher-yield, regulated core holdings with buyback protection, and Esketit for its secondary market liquidity as a flexible allocation. A 50/50 split gives you the best of both worlds -- regulation and liquidity.