{"id":38571,"date":"2026-09-25T06:00:35","date_gmt":"2026-09-25T04:00:35","guid":{"rendered":"https:\/\/rethink-p2p.de\/?page_id=38571"},"modified":"2026-09-28T17:56:00","modified_gmt":"2026-09-28T15:56:00","slug":"modena-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/modena-review\/","title":{"rendered":"Modena Review 2026"},"content":{"rendered":"Last Update: 29 September 2026<\/span>\r\n

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\n Key Facts\n <\/div>\n
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\n \u2022<\/span>\n Modena is a P2P lending platform based in Estonia on which investors can invest in consumer loans through automated investment products (vaults) and earn a return of up to 11%.<\/span>\n <\/div>\r\n\n
\n \u2022<\/span>\n The platform is operated by Modena Estonia O\u00dc, a lender licensed since August 2021 and supervised by the Estonian Financial Supervision Authority. The investment product itself is not covered by this license.<\/span><\/span>\n <\/div>\r\n\n
\n \u2022<\/span>\n The advertised buyback is structured in the assignment agreement as a right of Modena, not as an obligation. In most cases, the buyback price amounts to at least 75% of the outstanding principal.<\/span>\n <\/div>\r\n\n
\n \u2022<\/span>\n Modena is both the platform and the sole lender. The platform does not publish any default rates, but does disclose them on request.<\/span><\/span>\n <\/div>\r\n<\/div>\n <\/div>\n <\/div>\r\n\n