Esketit VS Viainvest
Fee-free secondary market liquidity versus regulated platform with guaranteed buyback
Esketit
Growing platform with fee-free secondary market
Viainvest
Regulated platform with guaranteed 60-day buyback
Head-to-Head Comparison
11.83%
Up to 13.3%
€10
€50
Unregulated
MiFID II Regulated
Yes (fee-free)
No
Variable
Yes (60-day)
Yes
Yes
29,689 investors
47,016 investors
Returns & Investment Performance
Viainvest edges ahead with returns reaching up to 13.3%, compared to Esketit's 11.83% average. Both platforms deliver strong double-digit returns that outperform most traditional fixed income investments. However, Viainvest's "up to" figure means actual returns depend on the loans you select, while Esketit's average is more representative of typical investor experience. For pure return chasing, Viainvest has the higher ceiling, but Esketit's returns are more predictable.
Regulatory Framework & Safety
This is the most significant difference between the two platforms. Viainvest operates under MiFID II regulation, providing EU investor protection, mandatory capital reserves, and regulatory oversight. Esketit is unregulated, meaning there are fewer legal safeguards if something goes wrong. For conservative investors, Viainvest's regulatory status alone may justify choosing it, even at slightly different returns. The regulatory gap is a fundamental consideration that affects overall investment risk.
Liquidity & Secondary Market
Esketit offers a fee-free secondary market, allowing you to sell investments before maturity without any transaction costs. Viainvest has no secondary market at all, meaning your capital is locked until loan maturity. This is a significant advantage for Esketit -- if you need to access funds quickly or want to rebalance your portfolio, the secondary market provides that flexibility at zero cost. For investors who value liquidity, Esketit's secondary market is a compelling feature that Viainvest simply cannot match.
Buyback & Default Protection
Viainvest provides a guaranteed 60-day buyback on all loans -- if a borrower is late by more than 60 days, the loan is automatically repurchased at face value plus accrued interest. Esketit's buyback is variable and depends on the loan originator, meaning some loans have buyback protection while others do not. Viainvest's consistent, platform-wide buyback guarantee provides stronger and more predictable default protection, which partially compensates for the lack of a secondary market.
Platform Maturity & Track Record
Viainvest was founded in 2016 and has a larger investor base of 47,016 compared to Esketit's 29,689 investors and 2020 founding. Viainvest's six additional years of operation mean more experience managing defaults, navigating economic downturns, and refining platform operations. Esketit is younger but has grown quickly, demonstrating strong market traction. Both platforms are proven, but Viainvest's longer track record gives it an edge in terms of operational reliability and crisis management experience.
The Verdict
Choose Esketit if: You prioritize liquidity and the ability to exit investments at any time without fees. You're comfortable with an unregulated platform and variable buyback in exchange for a fee-free secondary market. You want to start with smaller amounts (EUR 10 minimum).
Choose Viainvest if: You value regulatory protection and guaranteed buyback above liquidity. You plan to hold loans to maturity and prefer the security of MiFID II oversight. You want higher potential returns from a more established platform with a larger investor community.
Balanced Strategy: Use Viainvest as your core holding for regulatory safety and guaranteed buyback, and allocate a portion to Esketit for its secondary market liquidity. A 60/40 Viainvest/Esketit split balances safety with flexibility.