Nectaro
7
(our review)
With Nectaro, you can choose investments yourself or automatically invest in loans within the Dyninno group. We give the platform a score of 7 out of 10. Auto-Invest is convenient, but the frequent buybacks of consumer loans and the reliance on a single group make us hesitant to recommend the platform over others.
Contents:
Investing through Nectaro involves risks. You could lose some or all of your investment.
What is Nectaro?
Nectaro is a Latvian investment platform that launched in October 2023. It is part of the Dyninno group. Through the platform, you invest in Notes: securities linked to consumer or business loans.
The platform offers p2p consumer loans in Romania and Moldova, as well as business loans to group companies in Cyprus, the Philippines, Romania, Moldova and Latvia. The lenders and the companies receiving funding belong to the same group.
Other investors mainly compare Nectaro with Mintos, PeerBerry and Debitum.
Example of the Nectaro dashboard
Registration
Nectaro has a modern design. The platform is available in German, French, Spanish, Latvian and English. Our registration in English was less smooth than the design had led us to expect. For example, we had to enter a number in the ‘apartment’ field, even though we had already provided our street and house number.
Identity verification takes place through Sumsub. Nectaro also asks about the source of your funds. When we selected dividends or proceeds from selling shares, we had to provide evidence. We had not encountered this requirement during previous registrations.
Questionnaires
After registration, you complete a separate questionnaire about your financial situation, investment experience and knowledge. Some questions repeated information we had already provided, such as our income, assets and planned investment amount. The knowledge test also includes calculations about returns and defaults.
In our view, the calculation question below rather shows your maths skills and provides limited insight into your understanding of the investment.
First deposit
Once you have completed these steps, Nectaro says verification usually takes 1 to 3 business days. The dashboard already shows instructions for transferring money. You can only deposit through a manual bank transfer. We transferred money straight away, and the process was quick: within a few hours, our account had been approved and the money was in our wallet.
Withdrawals and exiting investments
You can withdraw your available balance free of charge. For invested funds, you need to wait for repayments. Nectaro has no secondary market where you can sell your investments before maturity, although one is planned for the second quarter of 2027. Payment delays can leave your money tied up for longer than expected.
During our review, Nectaro reported overdue consumer loans in Romania and Moldova. The buyback obligation was also being triggered regularly. This obligation therefore does not prevent you from having to wait for your money. No overdue payments were visible for the business loans at that time.
Investment options
Nectaro offers consumer loans from CreditPrime in Romania and Moldova. Through Abele Finance, you can also invest in business loans to companies within the Dyninno group, including lenders and an IT company.
You invest through Notes linked to these loans. You can choose between several countries and companies, but your investments remain within the same group. Diversification across independent lenders is therefore limited.
Automatic investing
With Auto-Invest, you can choose a standard strategy called AutoPilot or build your own strategy through ‘Custom’. With the standard strategy, you only set the total amount that Nectaro may invest automatically, with a minimum of 50 euros.
The platform estimated an annual return of 12.83 percent for this strategy. At our first check after 48 hours, it had made 3 investments. Unlike other platforms we use, Nectaro did not send us an email about these investments. With Custom, you can select eligible investments and set limits for the loan term and minimum interest rate.
One notable restriction relates to the registration questionnaire. If you indicate that ESG factors, such as the environment and good governance, are very important to you, you cannot use Auto-Invest. Nectaro has not yet assessed its investments against these criteria. You can then only invest manually.
If ESG factors are very important to you, you cannot use Auto-Invest.
Fees and returns
Nectaro charges no fees for your account, deposits, investments or withdrawals. After a few weeks, Auto-Invest had built a portfolio of around 10 investments for us, with an average expected annual return of 12.2 percent. We have not been investing long enough to assess whether we can achieve this over a longer period.
Nectaro states annual interest rates of 9 to 14 percent, depending on the investment. Your actual return depends heavily on repayments and how long your balance remains uninvested.
We have only been investing for a short time. Our current expected annual return is 12.2 percent.
Reliability and regulation
Nectaro is licensed as an investment firm under the European MiFID II framework and is supervised by Latvijas Banka, the central bank of Latvia. This also allows it to offer services in the Netherlands. The rules require Nectaro to keep your money and investments separate from its own assets.
Nectaro publishes annual accounts. In 2025, the platform was still making a loss and depended on support from the group for further growth. As a licensed investment firm, it participates in the Latvian investor compensation scheme. If the platform cannot return your money or investments, you may be entitled to compensation covering 90 percent of your loss, up to a maximum of 20,000 euros.
Buyback obligation
When a payment is more than 60 days overdue, the lender must buy back the loan. You depend on the lender’s ability to meet this obligation. Because Nectaro mainly finances companies within the same group, we see this dependence as an important concern.
Our review score: 7 out of 10
We give Nectaro a score of 7 out of 10. The basics are in place: Nectaro offers a modern platform that makes automatic investing straightforward. Our investments have an expected annual return of 12.2 percent. Auto-Invest is easy to use, and supervision under MiFID II gives us confidence.
Its track record is the main reason we remain cautious. Nectaro is still a young platform and has yet to prove itself. Almost all platforms have overdue payments, but we are struck by how often the buyback obligation has already been triggered for consumer loans.
Nectaro itself was still making a loss in 2025 and depended on group support. The completed buybacks show that investors are being repaid, but the lenders have to cover these payments, so the risk remains within the group. We want to see improvement across the platform and its lenders before investing substantial amounts.
Disclaimers
Investing involves risks. You could lose some or all of your investment. This review was written by the editorial team at Investeerders.nl and is based on our own experience and assessment. We earn revenue from advertising and fees paid by providers. You can find more information about our approach on our about us page.
