{"id":25639,"date":"2022-12-14T06:00:00","date_gmt":"2022-12-14T05:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/monefit-smartsaver-review-the-best-gogrow-alternative\/"},"modified":"2026-09-28T17:59:46","modified_gmt":"2026-09-28T15:59:46","slug":"monefit-smartsaver-avis","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/","title":{"rendered":"Monefit SmartSaver Avis 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Derni\u00e8re mise \u00e0 jour : 29 septembre 2026<\/span><\/span><\/p>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Les Points Cl\u00e9s\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Monefit SmartSaver est une plateforme d&#8217;investissement enregistr\u00e9e en Estonie. Les investisseurs peuvent investir directement dans le portefeuille de pr\u00eats du Groupe Creditstar et obtenir un rendement allant jusqu&#8217;\u00e0 10,52%. Les op\u00e9rations ont d\u00e9marr\u00e9 en novembre 2022.<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Les caract\u00e9ristiques principales de Monefit SmartSaver sont une liquidit\u00e9 \u00e9lev\u00e9e, un rendement fixe et une facilit\u00e9 d&#8217;utilisation. Le profil du produit est donc tr\u00e8s similaire \u00e0 [Bondora Go &amp; Grow](https:\/\/rethink-p2p.de\/fr\/bondora-go-and-grow-avis\/).<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Monefit SmartSaver n&#8217;est soumis \u00e0 aucune supervision r\u00e9glementaire de la part d&#8217;une autorit\u00e9 de surveillance financi\u00e8re. L&#8217;absence de normes de transparence rend difficile une \u00e9valuation qualitative du rendement r\u00e9alisable et de la liquidit\u00e9 promise.<\/span>\n    <\/div> \n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Aucun probl\u00e8me n&#8217;a \u00e9t\u00e9 constat\u00e9 sur la plateforme \u00e0 ce jour. Le rendement annonc\u00e9 ainsi que la liquidit\u00e9 promise ont \u00e9t\u00e9 maintenus jusqu&#8217;\u00e0 pr\u00e9sent.<\/span>\n    <\/div> <\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6acc3306c35f9 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6acc3306c35f9 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6acc3306c35f9 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6acc3306c35f9 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6acc3306c35f9 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6acc3306c35f9{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6acc3306c35f9:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6acc3306c35f9 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6acc3306c35f9 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6acc3306c35f9\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"--smush-placeholder-width: 1452px; --smush-placeholder-aspect-ratio: 1452\/300;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"--smush-placeholder-width: 1452px; --smush-placeholder-aspect-ratio: 1452\/300;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"--smush-placeholder-width: 1452px; --smush-placeholder-aspect-ratio: 1452\/300;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript><\/noscript><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:68%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(3,4)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">Bonus pour nouveaux investisseurs<\/div>\n          <p>Les nouveaux investisseurs re\u00e7oivent 0,25% de cashback sur tous les d\u00e9p\u00f4ts nets effectu\u00e9s durant les 90 premiers jours suivant l'inscription. Le bonus est bloqu\u00e9 pendant 90 jours puis librement disponible.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6acc3306c35f9\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-monefit\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Investir maintenant<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">Je suis investi avec mes propres fonds chez Monefit depuis juin 2025. Depuis lors, j&#039;ai r\u00e9alis\u00e9 un rendement total (XIRR) de 7,58%. Mon portefeuille en cours sur la plateforme s&#039;\u00e9l\u00e8ve \u00e0 10.674 \u20ac.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/fr\/portefeuille-p2p\/\" target=\"_blank\" rel=\"noopener\">Mon Portefeuille<\/a>\n    <\/div>\r\n<hr \/>\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_67_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/#Quest-ce_que_Monefit_SmartSaver\" title=\"Qu\u2019est-ce que Monefit SmartSaver ?\">Qu\u2019est-ce que Monefit SmartSaver ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/#Propriete_et_Gestion\" title=\"Propri\u00e9t\u00e9 et Gestion\">Propri\u00e9t\u00e9 et Gestion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/#Inscription_et_Bonus\" title=\"Inscription et Bonus\">Inscription et Bonus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/#Investir_sur_Monefit_SmartSaver\" title=\"Investir sur\u00a0Monefit SmartSaver\">Investir sur\u00a0Monefit SmartSaver<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/#Monefit_SmartSaver_Taxes\" title=\"Monefit SmartSaver Taxes\">Monefit SmartSaver Taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/#Risques_de_Monefit_SmartSaver\" title=\"Risques de Monefit SmartSaver\">Risques de Monefit SmartSaver<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/#Avantages_et_Inconvenients\" title=\"Avantages et Inconv\u00e9nients\">Avantages et Inconv\u00e9nients<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/#Resume_de_la_Revue_Monefit_SmartSaver\" title=\"R\u00e9sum\u00e9 de la Revue Monefit SmartSaver\">R\u00e9sum\u00e9 de la Revue Monefit SmartSaver<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-avis\/#FAQ_Monefit_SmartSaver_Avis\" title=\"FAQ Monefit SmartSaver Avis\">FAQ Monefit SmartSaver Avis<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Quest-ce_que_Monefit_SmartSaver\"><\/span>Qu\u2019est-ce que <strong>Monefit SmartSaver ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><strong><a href=\"https:\/\/rethink-p2p.de\/fr\/monefit-smartsaver-review-the-best-gogrow-alternative\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-12939 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/12\/Monefit-SmartSaver-Bonus.jpg\" alt=\"monefit-smartsaver-bonus\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-12939 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/12\/Monefit-SmartSaver-Bonus.jpg\" alt=\"monefit-smartsaver-bonus\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/strong><\/p>\r\n<p data-start=\"1044\" data-end=\"1306\">Monefit SmartSaver est une plateforme d\u2019investissement de l\u2019entreprise fintech internationale Creditstar, o\u00f9 les investisseurs peuvent investir directement dans le portefeuille de pr\u00eats du Creditstar Group et obtenir un rendement pouvant aller jusqu\u2019\u00e0 10,52 %.<\/p>\r\n<p data-start=\"1308\" data-end=\"1702\">Ce qui distingue le produit SmartSaver, c\u2019est sa haute liquidit\u00e9 et la facilit\u00e9 d\u2019utilisation lors de l\u2019investissement. Par exemple, la plateforme ne permet pas la s\u00e9lection manuelle ou automatis\u00e9e des pr\u00eats, ce qui rend l\u2019exp\u00e9rience d\u2019investissement avec Monefit tr\u00e8s simple. En raison de ces caract\u00e9ristiques, il pr\u00e9sente certaines similitudes avec le produit d\u00e9j\u00e0 \u00e9tabli Bondora Go &amp; Grow.<\/p>\r\n<p data-start=\"1704\" data-end=\"2117\" data-is-last-node=\"\" data-is-only-node=\"\">Le rendement attendu d\u00e9pend de la dur\u00e9e de l\u2019investissement. En utilisant le compte principal SmartSaver, qui offre la liquidit\u00e9 la plus \u00e9lev\u00e9e possible, les investisseurs re\u00e7oivent un rendement annuel en pourcentage (APY) de 7,5 %. En revanche, en s\u2019engageant sur une p\u00e9riode d\u2019investissement plus longue via les SmartSaver Vaults (jusqu\u2019\u00e0 24 mois), des rendements pouvant atteindre 10,52 % peuvent \u00eatre obtenus.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Fiche Monefit SmartSaver<\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Toutes les donn\u00e9es et informations cl\u00e9s sur Monefit SmartSaver r\u00e9sum\u00e9es de fa\u00e7on compacte.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Lanc\u00e9e :<\/strong><\/td>\r\n<td>Novembre 2022<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Nom Juridique :<\/strong><\/td>\r\n<td>Monefit Card O\u00dc (<a href=\"https:\/\/ariregister.rik.ee\/eng\/company\/11953111\/Monefit-Card-O%C3%9C?\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Si\u00e8ge Social :<\/strong><\/td>\r\n<td>Tallinn, Estonie<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>R\u00e9gul\u00e9e :<\/strong><\/td>\r\n<td>Non<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Actifs sous Gestion :<\/strong><\/td>\r\n<td>Non Disponible<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Nombre d&#8217;Investisseurs :<\/strong><\/td>\r\n<td>35\u00a0000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Rendement Attendu :<\/strong><\/td>\r\n<td>Jusqu'\u00e0 10,5%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Score de S\u00e9curit\u00e9 :<\/strong><\/td>\r\n<td>4,8 \/ 10 (Rang 23 sur 31) | <a href=\"https:\/\/rethink-p2p.de\/fr\/risque-plateformes-p2p\/\" target=\"_blank\" rel=\"noopener\"><strong>Voir la M\u00e9thodologie<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Type de Pr\u00eat Principal :<\/strong><\/td>\r\n<td>Pr\u00eats \u00e0 la Consommation<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Garanties :<\/strong><\/td>\r\n<td>Non<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3>Visite de Monefit SmartSaver<\/h3>\r\n<p>En juin 2024, une visite plut\u00f4t spontan\u00e9e chez Monefit SmartSaver \u00e0 Tallinn a eu lieu. Mon interlocuteur \u00e9tait Kashyap Shah, CPO chez Creditstar et responsable du produit Monefit SmartSaver. Je m&#8217;\u00e9tais d\u00e9j\u00e0 entretenu avec lui un an auparavant dans <a href=\"https:\/\/youtu.be\/pBbPfvL545M\"><strong>une conversation sur la feuille de route du produit<\/strong><\/a>.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Reise-2024.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-21499 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Monefit-SmartSaver-Avis-R\u00e9sum\u00e9-2025\" width=\"500\" height=\"375\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Reise-2024.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Reise-2024-300x225.jpg 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/375;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-21499 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Monefit-SmartSaver-Avis-R\u00e9sum\u00e9-2025\" width=\"500\" height=\"375\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Reise-2024.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Reise-2024-300x225.jpg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>Le sujet principal de notre rencontre \u00e9tait une fois de plus la transparence, plus pr\u00e9cis\u00e9ment le manque d&#8217;informations sur la performance du portefeuille de pr\u00eats sous-jacent. Malgr\u00e9 les engagements pris l&#8217;ann\u00e9e pr\u00e9c\u00e9dente, rien n&#8217;avait chang\u00e9 \u00e0 cet \u00e9gard.<\/p>\r\n<p>De mani\u00e8re assez inattendue, l&#8217;opportunit\u00e9 s&#8217;est ensuite pr\u00e9sent\u00e9e de s&#8217;entretenir avec le fondateur et actionnaire majoritaire de Creditstar, Aaro Sosaar. La conversation a \u00e9galement abord\u00e9 des sujets plus critiques, notamment les standards de transparence du groupe et les probl\u00e8mes rencontr\u00e9s par Lendermarket \u00e0 l&#8217;\u00e9poque concernant le processus de licence et les paiements en attente.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Propriete_et_Gestion\"><\/span>Propri\u00e9t\u00e9 et Gestion<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Qui sont les principaux actionnaires et dirigeants de Monefit SmartSaver ? Voyons cela !<\/p>\r\n<h3>Propri\u00e9t\u00e9<\/h3>\r\n<p>Monefit SmartSaver fonctionne sous le nom de &#8220;<a href=\"https:\/\/ariregister.rik.ee\/eng\/company\/11953111\/Monefit-Card-O%C3%9C?\" target=\"_blank\" rel=\"noopener\"><strong>Monefit Card O\u00dc<\/strong><\/a>&#8220;. Selon le registre des entreprises estonien, il s&#8217;agit d&#8217;une soci\u00e9t\u00e9 \u00e0 responsabilit\u00e9 limit\u00e9e avec une contribution en capital de 50 000 EUR. <a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Monefit-SmartSaver-Erfahrungen-Gesellschafter-Monefit-SmartSaver-Review-Ownership.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23342 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Monefit-SmartSaver-Erfahrungen-Gesellschafter-Monefit-SmartSaver-Review-Ownership.png\" alt=\"Monefit-SmartSaver-Avis-Propri\u00e9t\u00e9\" width=\"883\" height=\"312\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Monefit-SmartSaver-Erfahrungen-Gesellschafter-Monefit-SmartSaver-Review-Ownership.png 883w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Monefit-SmartSaver-Erfahrungen-Gesellschafter-Monefit-SmartSaver-Review-Ownership-300x106.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Monefit-SmartSaver-Erfahrungen-Gesellschafter-Monefit-SmartSaver-Review-Ownership-768x271.png 768w\" data-sizes=\"(max-width: 883px) 100vw, 883px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 883px; --smush-placeholder-aspect-ratio: 883\/312;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-23342\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Monefit-SmartSaver-Erfahrungen-Gesellschafter-Monefit-SmartSaver-Review-Ownership.png\" alt=\"Monefit-SmartSaver-Avis-Propri\u00e9t\u00e9\" width=\"883\" height=\"312\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Monefit-SmartSaver-Erfahrungen-Gesellschafter-Monefit-SmartSaver-Review-Ownership.png 883w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Monefit-SmartSaver-Erfahrungen-Gesellschafter-Monefit-SmartSaver-Review-Ownership-300x106.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/09\/Monefit-SmartSaver-Erfahrungen-Gesellschafter-Monefit-SmartSaver-Review-Ownership-768x271.png 768w\" sizes=\"(max-width: 883px) 100vw, 883px\" \/><\/noscript><\/a><\/p>\r\n<p data-start=\"516\" data-end=\"698\">Monefit Card O\u00dc appartient \u00e0 100 % \u00e0 la soci\u00e9t\u00e9 m\u00e8re estonienne \u00ab CREDITSTAR INTERNATIONAL O\u00dc \u00bb. Cette soci\u00e9t\u00e9 est \u00e0 son tour d\u00e9tenue \u00e0 100 % par le <a href=\"https:\/\/ariregister.rik.ee\/eng\/company\/11728905\/Creditstar-Group-AS\" target=\"_blank\" rel=\"noopener\"><strong>Creditstar Group AS<\/strong><\/a> en Estonie.<\/p>\r\n<p data-start=\"700\" data-end=\"1009\" data-is-last-node=\"\" data-is-only-node=\"\">La soci\u00e9t\u00e9 holding estonienne est d\u00e9tenue \u00e0 plus de 50 % par l\u2019homme d\u2019affaires <a href=\"https:\/\/www.linkedin.com\/in\/aaro-sosaar-297911147\/?originalSubdomain=ee\" target=\"_blank\" rel=\"noopener\"><strong>Aaro Sosaar<\/strong><\/a>. Il est le fondateur du Creditstar Group et de Lendermarket. En juin 2024, dans le cadre de mon parcours P2P \u00e0 travers les \u00c9tats baltes, j\u2019ai pu rencontrer le fondateur de Creditstar en personne pour la premi\u00e8re fois.<\/p>\r\n<h3>Gestion<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/05\/Monefit-SmartSaver-Erfahrungen-Kashyap-CPO.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-16551 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/05\/Monefit-SmartSaver-Erfahrungen-Kashyap-CPO.png\" alt=\"monefit-smartsaver-avis-Gestion\" width=\"250\" height=\"250\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/05\/Monefit-SmartSaver-Erfahrungen-Kashyap-CPO.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/05\/Monefit-SmartSaver-Erfahrungen-Kashyap-CPO-150x150.png 150w\" data-sizes=\"(max-width: 250px) 100vw, 250px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 250px; --smush-placeholder-aspect-ratio: 250\/250;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-16551\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/05\/Monefit-SmartSaver-Erfahrungen-Kashyap-CPO.png\" alt=\"monefit-smartsaver-avis-Gestion\" width=\"250\" height=\"250\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/05\/Monefit-SmartSaver-Erfahrungen-Kashyap-CPO.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/05\/Monefit-SmartSaver-Erfahrungen-Kashyap-CPO-150x150.png 150w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/noscript><\/a><\/p>\r\n<p data-start=\"688\" data-end=\"967\">L\u2019\u00e9quipe de Monefit SmartSaver est dirig\u00e9e par Kashyap Shah, CPO de Creditstar, un manager avec plus de 20 ans d\u2019exp\u00e9rience dans le secteur financier. Chez Monefit, il est responsable de la strat\u00e9gie, des nouvelles impl\u00e9mentations ainsi que de la croissance globale du produit.<\/p>\r\n<p data-start=\"969\" data-end=\"1384\" data-is-last-node=\"\" data-is-only-node=\"\">Actuellement, environ 10 employ\u00e9s permanents travaillent au d\u00e9veloppement de Monefit. De plus, des ressources sont \u00e9galement partag\u00e9es avec le Creditstar Group. Dans mon podcast avec Kashyap, nous avons parl\u00e9 de l\u2019histoire de la cr\u00e9ation de Monefit SmartSaver, du degr\u00e9 de transparence futur du produit, de la mani\u00e8re de garantir la liquidit\u00e9 et du moment o\u00f9 les remboursements de Creditstar sur Mintos auront lieu.<\/p>\r\n<p><iframe loading=\"lazy\" title=\"MONEFIT SMARTSAVER Podcast \u274c Creditstar Repayments on Mintos \u274c Liquidity Promise \u274c Transparency\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/pBbPfvL545M?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Inscription_et_Bonus\"><\/span>Inscription et Bonus<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Pour investir sur Monefit SmartSaver, les investisseurs doivent r\u00e9pondre \u00e0 trois exigences :<\/p>\r\n<ul>\r\n<li>Avoir au moins 18 ans,<\/li>\r\n<li>Poss\u00e9der un compte bancaire personnel dans l&#8217;Espace \u00e9conomique europ\u00e9en (EEE) ou en Suisse,<\/li>\r\n<li>Avoir une v\u00e9rification d&#8217;identit\u00e9 r\u00e9ussie par l&#8217;\u00e9quipe de SmartSaver.<\/li>\r\n<\/ul>\r\n<div class=\"flex max-w-full flex-col flex-grow\">\r\n<div class=\"min-h-8 text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words text-start [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"f0de7315-5aa7-4c26-b2e4-60ab8f479d28\" data-message-model-slug=\"gpt-4o-mini\">\r\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\r\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">Les entit\u00e9s juridiques ont \u00e9galement la possibilit\u00e9 de s&#8217;inscrire sur Monefit SmartSaver. Celles-ci doivent \u00e9galement avoir un compte bancaire dans l&#8217;EEE ou en Suisse.<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<h3>Bonus Monefit SmartSaver<\/h3>\r\n\n    <style>\n      #rtp-bonusbox-6acc3306c48e3 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6acc3306c48e3 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6acc3306c48e3 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6acc3306c48e3 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6acc3306c48e3 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6acc3306c48e3{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6acc3306c48e3:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6acc3306c48e3 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6acc3306c48e3 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6acc3306c48e3\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"--smush-placeholder-width: 1452px; --smush-placeholder-aspect-ratio: 1452\/300;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"--smush-placeholder-width: 1452px; --smush-placeholder-aspect-ratio: 1452\/300;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"--smush-placeholder-width: 1452px; --smush-placeholder-aspect-ratio: 1452\/300;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript><\/noscript><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:68%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(3,4)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">Bonus pour nouveaux investisseurs<\/div>\n          <p>Les nouveaux investisseurs re\u00e7oivent 0,25% de cashback sur tous les d\u00e9p\u00f4ts nets effectu\u00e9s durant les 90 premiers jours suivant l'inscription. Le bonus est bloqu\u00e9 pendant 90 jours puis librement disponible.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6acc3306c48e3\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-monefit\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Investir maintenant<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<p>Un aper\u00e7u de la plateforme avec toutes les offres de bonus et promotions de cashback se trouve sur la <a href=\"https:\/\/rethink-p2p.de\/fr\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>page des bonus<\/strong><\/a>.<\/p>\r\n<h3><strong>Forum Monefit SmartSaver<\/strong><\/h3>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">L&#8217;industrie du pr\u00eat P2P \u00e9volue rapidement. Assurez-vous donc de rester inform\u00e9 sur toutes les informations pertinentes en vous abonnant \u00e0 mes cha\u00eenes sur<\/span> <a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\" target=\"_blank\" rel=\"noopener\"><strong>Telegram<\/strong><\/a><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"> ou <\/span><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\" target=\"_blank\" rel=\"noopener\"><strong>WhatsApp<\/strong><\/a><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">. Ainsi, vous recevrez toujours les derni\u00e8res informations de l&#8217;industrie P2P, y compris les actualit\u00e9s concernant la plateforme Monefit SmartSaver.<\/span><\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investir_sur_Monefit_SmartSaver\"><\/span>Investir sur\u00a0Monefit SmartSaver<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p data-start=\"493\" data-end=\"866\">Sur Monefit SmartSaver, les investisseurs ont deux fa\u00e7ons d\u2019investir leur argent sur la plateforme. La premi\u00e8re est via le compte principal, o\u00f9 le solde rapporte 7,5 % de rendement annuel (APY) avec capitalisation quotidienne des int\u00e9r\u00eats. La deuxi\u00e8me option est les SmartSaver Vaults, o\u00f9 des rendements allant jusqu\u2019\u00e0 10,52 % peuvent \u00eatre obtenus selon la dur\u00e9e choisie.<\/p>\r\n<p data-start=\"868\" data-end=\"973\" data-is-last-node=\"\" data-is-only-node=\"\">Les sections suivantes fournissent plus d\u2019informations sur l\u2019investissement via la plateforme SmartSaver.<\/p>\r\n<h3 data-start=\"1309\" data-end=\"1327\">Compte Principal<\/h3>\r\n<p data-start=\"1329\" data-end=\"1567\">Investir sur Monefit SmartSaver est aussi simple que sur Bondora Go &amp; Grow. Il suffit de d\u00e9poser des fonds et de s\u00e9lectionner la dur\u00e9e souhait\u00e9e. La plateforme n\u2019offre pas de configuration Auto Invest ni de s\u00e9lection manuelle des pr\u00eats.<\/p>\r\n<p data-start=\"1569\" data-end=\"2030\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Monefit-SmartSaver-Review-Main-Account-Monefit-SmartSaver-Opiniones-P2P-Monefit-SmartSaver-Avis-2025.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-30056 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Monefit-SmartSaver-Review-Main-Account-Monefit-SmartSaver-Opiniones-P2P-Monefit-SmartSaver-Avis-2025.png\" alt=\"\" width=\"400\" height=\"268\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Monefit-SmartSaver-Review-Main-Account-Monefit-SmartSaver-Opiniones-P2P-Monefit-SmartSaver-Avis-2025.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Monefit-SmartSaver-Review-Main-Account-Monefit-SmartSaver-Opiniones-P2P-Monefit-SmartSaver-Avis-2025-300x201.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Monefit-SmartSaver-Review-Main-Account-Monefit-SmartSaver-Opiniones-P2P-Monefit-SmartSaver-Avis-2025-120x80.png 120w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/268;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-30056\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Monefit-SmartSaver-Review-Main-Account-Monefit-SmartSaver-Opiniones-P2P-Monefit-SmartSaver-Avis-2025.png\" alt=\"\" width=\"400\" height=\"268\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Monefit-SmartSaver-Review-Main-Account-Monefit-SmartSaver-Opiniones-P2P-Monefit-SmartSaver-Avis-2025.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Monefit-SmartSaver-Review-Main-Account-Monefit-SmartSaver-Opiniones-P2P-Monefit-SmartSaver-Avis-2025-300x201.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-P2P-Kredite-Monefit-SmartSaver-Review-Main-Account-Monefit-SmartSaver-Opiniones-P2P-Monefit-SmartSaver-Avis-2025-120x80.png 120w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>En arri\u00e8re-plan, la plateforme investit automatiquement dans un portefeuille de pr\u00eats largement diversifi\u00e9 du Creditstar Group. Les investisseurs n\u2019ont pas de visibilit\u00e9 directe sur les pr\u00eats individuels qu\u2019ils acqui\u00e8rent. On peut dire que les pr\u00eats sont des pr\u00eats \u00e0 la consommation non garantis provenant de l\u2019EEE. Les pays possibles des emprunteurs incluent l\u2019Estonie, la Finlande, la Su\u00e8de, la R\u00e9publique tch\u00e8que, le Danemark, la Pologne et le Royaume-Uni.<\/p>\r\n<p data-start=\"2032\" data-end=\"2262\">Les fonds du compte principal g\u00e9n\u00e8rent des int\u00e9r\u00eats quotidiens \u00e0 un rendement annuel (APY) de 7,5 %. Le montant minimum d\u2019investissement est actuellement de 10 EUR, tandis que le montant maximum investissable est de 500 000 EUR.<\/p>\r\n<p data-start=\"2264\" data-end=\"2608\" data-is-last-node=\"\" data-is-only-node=\"\">Jusqu\u2019\u00e0 1 000 EUR par mois civil peuvent \u00eatre retir\u00e9s quotidiennement du compte principal. Les montants sup\u00e9rieurs \u00e0 cette limite sont soumis \u00e0 un d\u00e9lai de traitement pouvant aller jusqu\u2019\u00e0 10 jours ouvrables. Par cons\u00e9quent, le compte principal est particuli\u00e8rement adapt\u00e9 pour un usage \u00e0 court terme lorsque la liquidit\u00e9 rapide est n\u00e9cessaire.<\/p>\r\n<h3>SmartSaver Vault<\/h3>\r\n<p>Depuis mars 2024, Monefit SmartSaver offre la possibilit\u00e9 d&#8217;investir dans des \u00ab Vaults \u00bb, qui fonctionnent de mani\u00e8re similaire \u00e0 des d\u00e9p\u00f4ts \u00e0 terme fixes. Les investisseurs peuvent obtenir des rendements variables en fonction de la p\u00e9riode d&#8217;investissement. <a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Erfahrungen-2025-Monefit-SmartSaver-Vault-Review-2025-Monefit-SmartSaver-Vault-Opiniones.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-25213 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Erfahrungen-2025-Monefit-SmartSaver-Vault-Review-2025-Monefit-SmartSaver-Vault-Opiniones.png\" alt=\"Monefit-SmartSaver-Vault-Avis-2025\" width=\"1000\" height=\"457\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Erfahrungen-2025-Monefit-SmartSaver-Vault-Review-2025-Monefit-SmartSaver-Vault-Opiniones.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Erfahrungen-2025-Monefit-SmartSaver-Vault-Review-2025-Monefit-SmartSaver-Vault-Opiniones-300x137.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Erfahrungen-2025-Monefit-SmartSaver-Vault-Review-2025-Monefit-SmartSaver-Vault-Opiniones-768x351.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/457;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-25213\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Erfahrungen-2025-Monefit-SmartSaver-Vault-Review-2025-Monefit-SmartSaver-Vault-Opiniones.png\" alt=\"Monefit-SmartSaver-Vault-Avis-2025\" width=\"1000\" height=\"457\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Erfahrungen-2025-Monefit-SmartSaver-Vault-Review-2025-Monefit-SmartSaver-Vault-Opiniones.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Erfahrungen-2025-Monefit-SmartSaver-Vault-Review-2025-Monefit-SmartSaver-Vault-Opiniones-300x137.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Erfahrungen-2025-Monefit-SmartSaver-Vault-Review-2025-Monefit-SmartSaver-Vault-Opiniones-768x351.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a> Le terme de 6 mois offre un rendement de 8,33 % TAEG, tandis que le terme de 12 mois offre un rendement de 9,42 % TAEG. De plus, il existe des vaults avec un terme de 18 mois offrant un rendement de 9,96 % et des vaults avec un terme fixe de deux ans qui r\u00e9mun\u00e8rent \u00e0 10,52 % TAEG.<\/p>\r\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto [content-visibility:auto] supports-[content-visibility:auto]:[contain-intrinsic-size:auto_100lvh] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-68fb10d4-26b0-832f-828f-d99b386c7673-15\" data-testid=\"conversation-turn-110\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\r\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] thread-sm:[--thread-content-margin:--spacing(6)] thread-lg:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\r\n<div class=\"[--thread-content-max-width:40rem] thread-lg:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\r\n<div class=\"flex max-w-full flex-col grow\">\r\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"be98f904-2137-4170-b00c-5dbfbae77e1c\" data-message-model-slug=\"gpt-5-mini\">\r\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\r\n<div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\">\r\n<p data-start=\"344\" data-end=\"661\" data-is-last-node=\"\" data-is-only-node=\"\">Le montant minimum d\u2019investissement pour les SmartSaver Vaults est actuellement de 100 EUR, tandis que le montant maximum investissable est de 500 000 EUR. Contrairement au compte principal, les SmartSaver Vaults sont particuli\u00e8rement adapt\u00e9s aux investissements \u00e0 moyen terme o\u00f9 un rendement plus \u00e9lev\u00e9 est souhait\u00e9.<\/p>\r\n<h3 data-start=\"344\" data-end=\"661\">Rendements Attendus<\/h3>\r\n<p data-start=\"344\" data-end=\"661\"><span style=\"font-size: 1.125rem;\">Le rendement r\u00e9alisable sur Monefit varie entre 7,5 % et 10,52 %, selon le produit choisi. Avec le compte principal classique Monefit SmartSaver, les investisseurs peuvent obtenir un rendement annuel en pourcentage (APY) de 7,5 %.<\/span><\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/article>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Vault-Erfahrungen-Monefit-SmartSaver-Vault-Review-Monefit-SmartSaver-Vault-Opiniones.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-25210 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Vault-Erfahrungen-Monefit-SmartSaver-Vault-Review-Monefit-SmartSaver-Vault-Opiniones.png\" alt=\"Monefit-SmartSaver-Vault-Avis-Rendements-Attendus\" width=\"500\" height=\"185\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Vault-Erfahrungen-Monefit-SmartSaver-Vault-Review-Monefit-SmartSaver-Vault-Opiniones.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Vault-Erfahrungen-Monefit-SmartSaver-Vault-Review-Monefit-SmartSaver-Vault-Opiniones-300x111.png 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/185;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-25210 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Vault-Erfahrungen-Monefit-SmartSaver-Vault-Review-Monefit-SmartSaver-Vault-Opiniones.png\" alt=\"Monefit-SmartSaver-Vault-Avis-Rendements-Attendus\" width=\"500\" height=\"185\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Vault-Erfahrungen-Monefit-SmartSaver-Vault-Review-Monefit-SmartSaver-Vault-Opiniones.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/01\/Monefit-SmartSaver-Vault-Erfahrungen-Monefit-SmartSaver-Vault-Review-Monefit-SmartSaver-Vault-Opiniones-300x111.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>Cependant, des rendements plus \u00e9lev\u00e9s peuvent \u00eatre obtenus avec des engagements \u00e0 plus long terme via les \u00ab SmartSaver Vaults \u00bb. Un engagement de six mois rapporte 8,33 %, un engagement de douze mois rapporte 9,42 %, un engagement de 18 mois rapporte 9,96 % et un engagement de vingt-quatre mois rapporte 10,52 %. Monefit se r\u00e9serve le droit d&#8217;apporter d&#8217;\u00e9ventuelles ajustements aux taux d&#8217;int\u00e9r\u00eat propos\u00e9s \u00e0 l&#8217;avenir.<\/p>\r\n<h3>Co\u00fbts et Frais<\/h3>\r\n<p>L&#8217;utilisation de Monefit SmartSaver est enti\u00e8rement gratuite pour les investisseurs. Cela s&#8217;applique \u00e0 l&#8217;inscription, \u00e0 l&#8217;investissement, ainsi qu&#8217;aux d\u00e9p\u00f4ts et retraits. <a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Monefit-SmartSaver-Review-Costs-Fees.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-15975 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Monefit-SmartSaver-Review-Costs-Fees.png\" alt=\"monefit-smartsaver-avis-Co\u00fbts-et-Frais\" width=\"799\" height=\"266\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Monefit-SmartSaver-Review-Costs-Fees.png 799w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Monefit-SmartSaver-Review-Costs-Fees-300x100.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Monefit-SmartSaver-Review-Costs-Fees-768x256.png 768w\" data-sizes=\"(max-width: 799px) 100vw, 799px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 799px; --smush-placeholder-aspect-ratio: 799\/266;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-15975\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Monefit-SmartSaver-Review-Costs-Fees.png\" alt=\"monefit-smartsaver-avis-Co\u00fbts-et-Frais\" width=\"799\" height=\"266\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Monefit-SmartSaver-Review-Costs-Fees.png 799w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Monefit-SmartSaver-Review-Costs-Fees-300x100.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/04\/Monefit-SmartSaver-Review-Costs-Fees-768x256.png 768w\" sizes=\"(max-width: 799px) 100vw, 799px\" \/><\/noscript><\/a><\/p>\r\n<h3 data-start=\"670\" data-end=\"699\">Compte d\u2019\u00c9pargne Alternatif<\/h3>\r\n<p data-start=\"701\" data-end=\"936\">Monefit SmartSaver r\u00e9pond \u00e0 de nombreux crit\u00e8res comparables \u00e0 un compte d\u2019\u00e9pargne traditionnel. Cela inclut des caract\u00e9ristiques telles qu\u2019une dur\u00e9e ouverte, sans pr\u00e9avis et la possibilit\u00e9 d\u2019ajustements quotidiens du taux d\u2019int\u00e9r\u00eat.<\/p>\r\n<p data-start=\"938\" data-end=\"1307\" data-is-last-node=\"\" data-is-only-node=\"\">L\u2019accessibilit\u00e9 quotidienne est quelque peu limit\u00e9e, car SmartSaver permet de retirer jusqu\u2019\u00e0 1 000 EUR par mois civil de mani\u00e8re quotidienne. Les montants sup\u00e9rieurs sont soumis \u00e0 un d\u00e9lai de traitement pouvant aller jusqu\u2019\u00e0 10 jours. De plus, la liquidit\u00e9 pourrait se d\u00e9t\u00e9riorer en p\u00e9riode de turbulence \u00e9conomique (voir les retraits partiels avec Bondora Go &amp; Grow).<\/p>\r\n<p>En revanche, Monefit SmartSaver offre des taux d\u2019int\u00e9r\u00eat nettement plus \u00e9lev\u00e9s. M\u00eame si le rendement annuel de 7,5 % n\u2019est pas garanti, il reste largement sup\u00e9rieur aux taux typiques propos\u00e9s par les comptes d\u2019\u00e9pargne en Europe. Le compromis pour ce rendement plus \u00e9lev\u00e9 est une s\u00e9curit\u00e9 r\u00e9duite. Alors que les comptes d\u2019\u00e9pargne en Allemagne b\u00e9n\u00e9ficient d\u2019une garantie de d\u00e9p\u00f4t jusqu\u2019\u00e0 100 000 EUR, aucune protection de ce type n\u2019existe pour Monefit SmartSaver. De plus, le groupe Creditstar ne fournit aucune garantie suppl\u00e9mentaire pour s\u00e9curiser le capital des investisseurs. <a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Garantie-Monefit-SmartSaver-Guarantee-Monefit-SmartSaver-Opiniones-Monefit-SmartSaver-Avis-2025.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28183 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Garantie-Monefit-SmartSaver-Guarantee-Monefit-SmartSaver-Opiniones-Monefit-SmartSaver-Avis-2025.png\" alt=\"Monefit-SmartSaver-Avis-Garantie\" width=\"1500\" height=\"295\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Garantie-Monefit-SmartSaver-Guarantee-Monefit-SmartSaver-Opiniones-Monefit-SmartSaver-Avis-2025.png 1500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Garantie-Monefit-SmartSaver-Guarantee-Monefit-SmartSaver-Opiniones-Monefit-SmartSaver-Avis-2025-300x59.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Garantie-Monefit-SmartSaver-Guarantee-Monefit-SmartSaver-Opiniones-Monefit-SmartSaver-Avis-2025-1024x201.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Garantie-Monefit-SmartSaver-Guarantee-Monefit-SmartSaver-Opiniones-Monefit-SmartSaver-Avis-2025-768x151.png 768w\" data-sizes=\"(max-width: 1500px) 100vw, 1500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1500px; --smush-placeholder-aspect-ratio: 1500\/295;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28183\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Garantie-Monefit-SmartSaver-Guarantee-Monefit-SmartSaver-Opiniones-Monefit-SmartSaver-Avis-2025.png\" alt=\"Monefit-SmartSaver-Avis-Garantie\" width=\"1500\" height=\"295\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Garantie-Monefit-SmartSaver-Guarantee-Monefit-SmartSaver-Opiniones-Monefit-SmartSaver-Avis-2025.png 1500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Garantie-Monefit-SmartSaver-Guarantee-Monefit-SmartSaver-Opiniones-Monefit-SmartSaver-Avis-2025-300x59.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Garantie-Monefit-SmartSaver-Guarantee-Monefit-SmartSaver-Opiniones-Monefit-SmartSaver-Avis-2025-1024x201.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Garantie-Monefit-SmartSaver-Guarantee-Monefit-SmartSaver-Opiniones-Monefit-SmartSaver-Avis-2025-768x151.png 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/noscript><\/a> Conclusion : Monefit SmartSaver n\u2019est pas un compte d\u2019\u00e9pargne traditionnel, mais peut \u00eatre consid\u00e9r\u00e9 comme une alternative avec un profil risque-rendement \u00e9largi.<\/p>\r\n<h3 data-start=\"1182\" data-end=\"1195\"><strong data-start=\"1182\" data-end=\"1195\">Liquidit\u00e9<\/strong><\/h3>\r\n<p data-start=\"1197\" data-end=\"1490\">Monefit SmartSaver se met fortement en avant en offrant une haute liquidit\u00e9, permettant aux investisseurs d\u2019acc\u00e9der rapidement \u00e0 leurs fonds. En novembre 2025, la plateforme a introduit <a href=\"https:\/\/monefit.com\/en\/blog\/instant-withdrawals-faster-access-to-your-money-with-smartsaver\/\" target=\"_blank\" rel=\"noopener\"><strong>deux nouvelles mises \u00e0 jour du produit<\/strong><\/a> qui am\u00e9liorent encore la liquidit\u00e9 et la pr\u00e9visibilit\u00e9 des retraits.<\/p>\r\n<p data-start=\"1492\" data-end=\"1777\"><strong data-start=\"1492\" data-end=\"1518\">Retraits instantan\u00e9s :<\/strong> Les investisseurs peuvent retirer jusqu\u2019\u00e0 1 000 EUR par mois civil imm\u00e9diatement depuis leur compte principal SmartSaver. Pour les montants d\u00e9passant 1 000 EUR par mois, un d\u00e9lai de traitement pouvant aller jusqu\u2019\u00e0 10 jours ouvrables continue de s\u2019appliquer.<\/p>\r\n<p data-start=\"1779\" data-end=\"1960\"><strong data-start=\"1779\" data-end=\"1804\">Retraits programm\u00e9s :<\/strong> Les investisseurs peuvent programmer des retraits jusqu\u2019\u00e0 365 jours \u00e0 l\u2019avance. Des retraits uniques ou r\u00e9currents peuvent \u00eatre planifi\u00e9s de cette mani\u00e8re.<\/p>\r\n<p data-start=\"1779\" data-end=\"1960\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-Auszahlungen-Monefit-SmartSaver-Review-Instant-Withdrawal-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-2025.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-30017 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-Auszahlungen-Monefit-SmartSaver-Review-Instant-Withdrawal-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-2025.jpg\" alt=\"\" width=\"1200\" height=\"316\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-Auszahlungen-Monefit-SmartSaver-Review-Instant-Withdrawal-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-2025.jpg 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-Auszahlungen-Monefit-SmartSaver-Review-Instant-Withdrawal-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-2025-300x79.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-Auszahlungen-Monefit-SmartSaver-Review-Instant-Withdrawal-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-2025-1024x270.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-Auszahlungen-Monefit-SmartSaver-Review-Instant-Withdrawal-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-2025-768x202.jpg 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/316;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-30017\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-Auszahlungen-Monefit-SmartSaver-Review-Instant-Withdrawal-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-2025.jpg\" alt=\"\" width=\"1200\" height=\"316\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-Auszahlungen-Monefit-SmartSaver-Review-Instant-Withdrawal-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-2025.jpg 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-Auszahlungen-Monefit-SmartSaver-Review-Instant-Withdrawal-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-2025-300x79.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-Auszahlungen-Monefit-SmartSaver-Review-Instant-Withdrawal-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-2025-1024x270.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Monefit-SmartSaver-Erfahrungen-Auszahlungen-Monefit-SmartSaver-Review-Instant-Withdrawal-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-2025-768x202.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/noscript><\/a><\/p>\r\n<p data-start=\"1962\" data-end=\"2036\">Actuellement, Monefit SmartSaver ne facture aucun frais pour les retraits.<\/p>\r\n<p data-start=\"2038\" data-end=\"2275\">Important : Lors d\u2019un retrait, seules les comptes bancaires ayant d\u00e9j\u00e0 \u00e9t\u00e9 utilis\u00e9s pour effectuer un d\u00e9p\u00f4t peuvent \u00eatre s\u00e9lectionn\u00e9s. Si le compte bancaire souhait\u00e9 n\u2019appara\u00eet pas, il faut d\u2019abord d\u00e9poser des fonds depuis ce compte.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Monefit_SmartSaver_Taxes\"><\/span><strong>Monefit SmartSaver Taxes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>En g\u00e9n\u00e9ral, les revenus d&#8217;int\u00e9r\u00eats g\u00e9n\u00e9r\u00e9s par le financement de pr\u00eats sont consid\u00e9r\u00e9s comme des revenus d&#8217;investissement et doivent donc \u00eatre d\u00e9clar\u00e9s comme tels lors de la d\u00e9claration fiscale. Contrairement \u00e0 d&#8217;autres plateformes, Monefit SmartSaver ne pr\u00e9l\u00e8ve pas de taxes sur les revenus d&#8217;int\u00e9r\u00eats, comme c&#8217;est le cas en Lettonie ou en Lituanie.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Risques_de_Monefit_SmartSaver\"><\/span>Risques de Monefit SmartSaver<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p data-start=\"417\" data-end=\"595\">Si vous souhaitez investir via Monefit SmartSaver, vous devez \u00eatre pr\u00eat \u00e0 faire face aux risques li\u00e9s \u00e0 ce produit d&#8217;investissement. Mais quels sont ces risques ? Et comment peuvent-ils \u00eatre \u00e9valu\u00e9s ?<\/p>\r\n<h3>Risque de la Plateforme<\/h3>\r\n<p>La plateforme, exploit\u00e9e par le <strong><a href=\"https:\/\/www.creditstar.com\/\">Groupe Creditstar<\/a><\/strong> estonien, a lanc\u00e9 ses op\u00e9rations en novembre 2022.\u00a0Sur son march\u00e9 national en Estonie, Monefit n&#8217;est soumis \u00e0 aucune supervision ou contr\u00f4le de la part d&#8217;une autorit\u00e9 financi\u00e8re ou r\u00e9glementaire. Il n&#8217;existe ni syst\u00e8me d&#8217;indemnisation des investisseurs ni aucune exigence r\u00e9glementaire en mati\u00e8re de conformit\u00e9 ou de normes de transparence.<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Score de S\u00e9curit\u00e9<\/div>\n      <div class=\"ss-rank\">Place 23 sur 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">4.8<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Risque Moyen<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">R\u00e9gulation &amp; Licence<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Stabilit\u00e9 Financi\u00e8re<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">20 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparence &amp; Divulgation<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--r\" style=\"width:20%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">3 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Portefeuille de Pr\u00eats &amp; Pertes<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:40%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">10 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Historique &amp; Gestion de Crise<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:60%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--ok\">0<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <p class=\"ss-rf-none\">Aucun Red Flag pr\u00e9sent.<\/p>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    Le Score de S\u00e9curit\u00e9 \u00e9value uniquement le risque de la plateforme. Les risques li\u00e9s aux pr\u00eateurs et les risques sp\u00e9cifiques \u00e0 chaque pays ne sont pas couverts et doivent \u00eatre \u00e9valu\u00e9s s\u00e9par\u00e9ment.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/fr\/risque-plateformes-p2p\/\" target=\"_blank\" rel=\"noopener noreferrer\">Voir la m\u00e9thodologie compl\u00e8te &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<h4>S\u00e9gr\u00e9gation des Fonds et Protection des D\u00e9p\u00f4ts<\/h4>\r\n<p>Les paiements entrants sont transf\u00e9r\u00e9s sur un compte de &#8220;Monefit Investments O\u00dc&#8221; aupr\u00e8s de Wise Europe S.A. Si et comment les fonds des investisseurs sont s\u00e9par\u00e9s des fonds op\u00e9rationnels propres de la plateforme n&#8217;a pas encore \u00e9t\u00e9 communiqu\u00e9 publiquement.<\/p>\r\n<p>Contrairement aux d\u00e9p\u00f4ts bancaires traditionnels, il n&#8217;existe aucun droit \u00e0 une compensation via un syst\u00e8me de garantie des d\u00e9p\u00f4ts. Les investisseurs doivent donc \u00eatre conscients que le capital investi est soumis \u00e0 un risque r\u00e9el de perte, que les rendements ne sont pas garantis et qu&#8217;il peut ne pas \u00eatre possible de r\u00e9cup\u00e9rer la totalit\u00e9 du montant investi.<\/p>\r\n<hr \/>\r\n<div class=\"flex max-w-full flex-col flex-grow\">\r\n<div class=\"min-h-8 text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words text-start [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"17440a6e-24a4-4040-8f1f-f1b4319e341b\" data-message-model-slug=\"gpt-4o-mini\">\r\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\r\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\r\n<h3>Risque du Pr\u00eateur<\/h3>\r\n<p>Les investissements r\u00e9alis\u00e9s via Monefit SmartSaver sont utilis\u00e9s exclusivement pour financer les portefeuilles de pr\u00eats des entit\u00e9s de cr\u00e9dit internationales de Creditstar Group. Les investisseurs devraient donc se familiariser avec la stabilit\u00e9 financi\u00e8re du groupe avant d&#8217;investir.<\/p>\r\n<figure class=\"wp-block-table is-style-regular has-small-font-size kg-wrap\"><table class=\"kg-table\"><thead><tr><th class=\"kg-sort\" data-col=\"0\"><strong>Pr\u00eateur<\/strong><\/th><th class=\"kg-sort\" data-col=\"1\"><strong>Ann\u00e9e<\/strong><\/th><th class=\"kg-sort\" data-col=\"2\"><strong>Audit\u00e9<\/strong><\/th><th class=\"kg-sort\" data-col=\"3\"><strong>Profit<\/strong><\/th><th class=\"kg-sort\" data-col=\"4\"><strong>ROA<\/strong><\/th><th class=\"kg-sort\" data-col=\"5\"><strong>F. Propres<\/strong><\/th><th class=\"kg-sort\" data-col=\"6\"><strong>Liquidit\u00e9<\/strong><\/th><th class=\"kg-sort\" data-col=\"7\"><strong>Pertes<\/strong><\/th><th class=\"kg-sort kg-desc\" data-col=\"8\"><strong>Score<\/strong><\/th><\/tr><\/thead><tbody><tr><td data-sort=\"creditstar group ee\">Creditstar Group (EE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/creditstar.com\/files\/creditstar_consolidated_annual_report_2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"kpmg\">KPMG<\/td><td class=\"stark\" data-sort=\"13465000\">EUR 13,5M<\/td><td class=\"mittel\" data-sort=\"3\">3,0%<\/td><td class=\"mittel\" data-sort=\"15.6\">15,6%<\/td><td class=\"kritisch\" data-sort=\"0.44\">0,44<\/td><td class=\"stabil\" data-sort=\"14.6\">14,6%<\/td><td class=\"stabil\" data-sort=\"73\">73<\/td><\/tr><\/tbody><\/table><\/figure><script data-category=\"functional\" src=\"https:\/\/rethink-p2p.de\/wp-content\/themes\/maxwell\/kreditgeber-sort.js?v=1787559527\"><\/script>\r\n<p><span style=\"font-size: 1.125rem;\">Consultez la page de <a href=\"https:\/\/rethink-p2p.de\/fr\/comparaison-plateformes-p2p\/\" target=\"_blank\" rel=\"noopener\"><strong>pr\u00e9sentation et de comparaison des pr\u00eateurs<\/strong><\/a> pour obtenir des informations suppl\u00e9mentaires sur les indicateurs cl\u00e9s appliqu\u00e9s et leur interpr\u00e9tation.<\/span><\/p>\r\n<h4>Probl\u00e8mes de Remboursement<\/h4>\r\nPar le pass\u00e9, le groupe Creditstar n\u2019a pas toujours pu respecter les garanties de rachat promises sur Mintos et Lendermarket dans les d\u00e9lais convenus. <a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Liquiditat-Monefit-SmartSaver-Liquidity-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-Liquidite.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-28187 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Liquiditat-Monefit-SmartSaver-Liquidity-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-Liquidite.png\" alt=\"Monefit-SmartSaver-Avis-Liquidite\" width=\"500\" height=\"183\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Liquiditat-Monefit-SmartSaver-Liquidity-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-Liquidite.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Liquiditat-Monefit-SmartSaver-Liquidity-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-Liquidite-300x110.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Liquiditat-Monefit-SmartSaver-Liquidity-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-Liquidite-768x280.png 768w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/183;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-28187\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Liquiditat-Monefit-SmartSaver-Liquidity-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-Liquidite.png\" alt=\"Monefit-SmartSaver-Avis-Liquidite\" width=\"500\" height=\"183\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Liquiditat-Monefit-SmartSaver-Liquidity-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-Liquidite.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Liquiditat-Monefit-SmartSaver-Liquidity-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-Liquidite-300x110.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/06\/Monefit-SmartSaver-Liquiditat-Monefit-SmartSaver-Liquidity-Monefit-SmartSaver-Opiniones-Liquidez-Monefit-SmartSaver-Avis-Liquidite-768x280.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>Cela est principalement d\u00fb \u00e0 l\u2019approche plut\u00f4t agressive de Creditstar en mati\u00e8re de financement par dette, qui a entra\u00een\u00e9 une volatilit\u00e9 dans la s\u00e9curisation des financements externes et, par cons\u00e9quent, des retards dans les remboursements aux investisseurs. C\u2019est vraisemblablement pour cette raison que Monefit SmartSaver a \u00e9t\u00e9 introduit comme une source de financement suppl\u00e9mentaire et plus rentable. Du point de vue de l\u2019investisseur, cet aspect ne doit pas \u00eatre n\u00e9glig\u00e9, surtout que Monefit SmartSaver est fortement commercialis\u00e9 sur la base d\u2019une haute liquidit\u00e9. Bien que les paiements aient jusqu\u2019\u00e0 pr\u00e9sent \u00e9t\u00e9 effectu\u00e9s dans les d\u00e9lais, les investisseurs doivent \u00eatre conscients que la liquidit\u00e9 ne peut pas toujours \u00eatre garantie en permanence avec Monefit SmartSaver.<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<h4 data-start=\"654\" data-end=\"703\">Manque de Transparence du Portefeuille de Pr\u00eats<\/h4>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Monefit-SmartSaver-Transparenz.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-19043 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Monefit-SmartSaver-Transparenz.png\" alt=\"Monefit-SmartSaver-Avis-Risques\" width=\"500\" height=\"323\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Monefit-SmartSaver-Transparenz.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Monefit-SmartSaver-Transparenz-300x194.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Monefit-SmartSaver-Transparenz-768x496.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Monefit-SmartSaver-Transparenz-850x550.png 850w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/323;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-19043\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Monefit-SmartSaver-Transparenz.png\" alt=\"Monefit-SmartSaver-Avis-Risques\" width=\"500\" height=\"323\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Monefit-SmartSaver-Transparenz.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Monefit-SmartSaver-Transparenz-300x194.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Monefit-SmartSaver-Transparenz-768x496.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Monefit-SmartSaver-Transparenz-850x550.png 850w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a><\/p>\r\n<p data-start=\"705\" data-end=\"840\">Jusqu\u2019\u00e0 pr\u00e9sent, Monefit SmartSaver n\u2019a pas fourni d\u2019informations d\u00e9taill\u00e9es sur la performance du portefeuille de pr\u00eats sous-jacent.<\/p>\r\n<p data-start=\"842\" data-end=\"961\">En cons\u00e9quence, des donn\u00e9es importantes manquent pour \u00e9valuer correctement le profil de risque de Monefit SmartSaver.<\/p>\r\n<p data-start=\"963\" data-end=\"1268\" data-is-last-node=\"\" data-is-only-node=\"\">Par le pass\u00e9, le CPO de Creditstar avait promis qu\u2019un rapport avec des indicateurs cl\u00e9s de transparence (KPI) serait mis \u00e0 disposition \u00e0 l\u2019avenir. Cependant, ce rapport n\u2019a pas encore \u00e9t\u00e9 publi\u00e9. Les investisseurs int\u00e9ress\u00e9s devraient donc examiner tr\u00e8s attentivement le d\u00e9veloppement du Creditstar Group.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Avantages_et_Inconvenients\"><\/span><strong>Avantages et Inconv\u00e9nients<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Dans cette section, j&#8217;ai list\u00e9 les plus grands avantages et inconv\u00e9nients de Monefit SmartSaver.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Avantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Op\u00e9rationnelle depuis 2022<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Pertes:<\/strong> Aucune perte en capital n&#8217;a \u00e9t\u00e9 enregistr\u00e9e par les investisseurs sur la plateforme \u00e0 ce jour<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidit\u00e9:<\/strong> Sortie anticip\u00e9e possible<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Soci\u00e9t\u00e9 m\u00e8re:<\/strong> Soutenue par une entreprise grande et \u00e9tablie (Creditstar)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Co\u00fbts:<\/strong> Aucune commission ni frais pour les investisseurs<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Stabilit\u00e9:<\/strong> Toutes les demandes de retrait ont \u00e9t\u00e9 trait\u00e9es dans un d\u00e9lai de 10 jours<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Inconv\u00e9nients<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>R\u00e9glementation:<\/strong> Aucune licence d&#8217;investissement ni contr\u00f4le par une autorit\u00e9 de surveillance financi\u00e8re<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Transparence:<\/strong> Aucun rapport financier disponible ou uniquement des rapports non audit\u00e9s<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Conflits d&#8217;int\u00e9r\u00eats:<\/strong> Chevauchements d&#8217;actionnaires entre la plateforme et les pr\u00eateurs<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Bo\u00eete noire:<\/strong> Aucune m\u00e9trique de performance publique disponible pour le portefeuille de pr\u00eats<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>S\u00e9curit\u00e9:<\/strong> Aucune garantie ni protection de l&#8217;investissement<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Resume_de_la_Revue_Monefit_SmartSaver\"><\/span>R\u00e9sum\u00e9 de la Revue<strong> Monefit SmartSaver<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p data-start=\"1367\" data-end=\"1433\">Quel est le verdict final de cette revue de Monefit SmartSaver ?<\/p>\r\n<p data-start=\"1435\" data-end=\"1865\">Les deux principaux atouts de Monefit SmartSaver sont sa simplicit\u00e9 d\u2019utilisation et sa haute liquidit\u00e9. Pour les investisseurs qui ne souhaitent pas s\u2019impliquer profond\u00e9ment dans les pr\u00eats P2P et recherchent des alternatives similaires \u00e0 Bondora Go &amp; Grow, Monefit SmartSaver peut \u00eatre une option envisageable. Il en va de m\u00eame pour les investisseurs qui privil\u00e9gient la liquidit\u00e9 et la disponibilit\u00e9 rapide des fonds investis.<\/p>\r\n<p data-start=\"1867\" data-end=\"2119\">En g\u00e9n\u00e9ral, un rendement de seulement 7,5 % pour des pr\u00eats \u00e0 la consommation \u00e0 court terme et non garantis ne repr\u00e9sente pas un ratio risque-rendement ad\u00e9quat, surtout que Monefit ne fournit aucune protection ni garantie pour les rendements annonc\u00e9s.<\/p>\r\n<p data-start=\"2121\" data-end=\"2442\">Un autre point \u00e0 surveiller est le comportement de paiement de Monefit. En raison des lignes de cr\u00e9dit fr\u00e9quemment utilis\u00e9es, des retards se sont souvent produits sur des places de march\u00e9 comme Mintos ou Lendermarket. En cas de forte demande de retraits, des paiements partiels ne seraient certainement pas surprenants.<\/p>\r\n<p data-start=\"2444\" data-end=\"2620\">Du c\u00f4t\u00e9 positif, Monefit SmartSaver a respect\u00e9 toutes les promesses concernant les rendements et les d\u00e9lais de paiement au cours de ses trois premi\u00e8res ann\u00e9es d\u2019exploitation.<\/p>\r\n<p data-start=\"2622\" data-end=\"2733\" data-is-last-node=\"\" data-is-only-node=\"\">Depuis juin 2025, j\u2019utilise le compte principal de Monefit SmartSaver comme r\u00e9serve de liquidit\u00e9 \u00e0 court terme.<\/p>\r\n\n    <style>\n      #rtp-bonusbox-6acc3306c5f70 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6acc3306c5f70 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6acc3306c5f70 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6acc3306c5f70 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6acc3306c5f70 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6acc3306c5f70{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6acc3306c5f70:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6acc3306c5f70 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6acc3306c5f70 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6acc3306c5f70\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"--smush-placeholder-width: 1452px; --smush-placeholder-aspect-ratio: 1452\/300;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"--smush-placeholder-width: 1452px; --smush-placeholder-aspect-ratio: 1452\/300;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"--smush-placeholder-width: 1452px; --smush-placeholder-aspect-ratio: 1452\/300;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit SmartSaver\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript><\/noscript><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:68%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(3,4)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">Bonus pour nouveaux investisseurs<\/div>\n          <p>Les nouveaux investisseurs re\u00e7oivent 0,25% de cashback sur tous les d\u00e9p\u00f4ts nets effectu\u00e9s durant les 90 premiers jours suivant l'inscription. Le bonus est bloqu\u00e9 pendant 90 jours puis librement disponible.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6acc3306c5f70\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-monefit\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Investir maintenant<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<hr \/>\r\n<h3><strong>Alternatives \u00e0 <\/strong><strong>Monefit SmartSaver<\/strong><\/h3>\r\n<p data-start=\"855\" data-end=\"939\">Quelles alternatives \u00e0 Monefit SmartSaver existent dans le domaine des pr\u00eats P2P ?<\/p>\r\n<p data-start=\"941\" data-end=\"1179\">Les principales caract\u00e9ristiques du produit comprennent la simplicit\u00e9 d\u2019utilisation, un taux d\u2019int\u00e9r\u00eat fixe et un haut niveau de liquidit\u00e9. <span style=\"font-size: 1.125rem;\">Ces crit\u00e8res sont actuellement propos\u00e9s par <\/span><a style=\"font-size: 1.125rem;\" href=\"https:\/\/rethink-p2p.de\/fr\/bondora-go-and-grow-avis\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora Go &amp; Grow<\/strong><\/a><span style=\"font-size: 1.125rem;\">,<\/span> <a style=\"font-size: 1.125rem;\" href=\"https:\/\/rethink-p2p.de\/en\/twino-flexi-review\/\" target=\"_blank\" rel=\"noopener\"><strong>TWINO FLEXI<\/strong><\/a><span style=\"font-size: 1.125rem;\"> et <\/span><a style=\"font-size: 1.125rem;\" href=\"https:\/\/bit.ly\/rethinkp2p-fr-modena\" target=\"_blank\" rel=\"noopener\"><strong>Modena<\/strong><\/a><span style=\"font-size: 1.125rem;\">.<\/span><\/p>\r\n<p data-start=\"941\" data-end=\"1179\">Le tableau ci-dessous vise \u00e0 montrer les parall\u00e8les et les diff\u00e9rences entre les produits respectifs.<\/p>\r\n<p><style>\r\n.rethink-table-wrap4-fr { width: 100%; overflow-x: auto; margin: -20px 0; }\r\n.rethink-table-wrap4-fr table { width: 100%; border-collapse: collapse; background: #ffffff; border-radius: 12px; overflow: hidden; box-shadow: 0 2px 16px rgba(0,0,0,0.07); font-family: 'DM Sans', sans-serif; }\r\n.rethink-table-wrap4-fr thead tr { background: #0a0a0a; }\r\n.rethink-table-wrap4-fr thead th { padding: 12px 20px; text-align: left; font-size: 13px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: #ffffff; white-space: nowrap; }\r\n.rethink-table-wrap4-fr thead th.rethink-highlight { color: #00c8e0; }\r\n.rethink-table-wrap4-fr tbody tr { border-bottom: 1px solid #f0f0ee; transition: background 0.15s; }\r\n.rethink-table-wrap4-fr tbody tr:last-child { border-bottom: none; }\r\n.rethink-table-wrap4-fr tbody tr:nth-child(odd) { background: #fafaf8; }\r\n.rethink-table-wrap4-fr tbody tr:nth-child(even) { background: #ffffff; }\r\n.rethink-table-wrap4-fr tbody tr:hover { background: #f0fcff; }\r\n.rethink-table-wrap4-fr td { padding: 12px 20px; font-size: 14px; color: #3a3a3a; vertical-align: middle; line-height: 1.5; white-space: nowrap; }\r\n.rethink-table-wrap4-fr td:first-child { font-weight: 600; color: #0a0a0a; font-size: 13.5px; width: 175px; }\r\n.rethink-table-wrap4-fr td:nth-child(2) { color: #0a0a0a; font-weight: 500; border-left: 3px solid #00c8e0; border-right: 3px solid #00c8e0; background: rgba(0,200,224,0.04); transition: background 0.15s; }\r\n.rethink-table-wrap4-fr tbody tr:nth-child(odd) td:nth-child(2) { background: rgba(0,200,224,0.06); }\r\n.rethink-table-wrap4-fr tbody tr:hover td:nth-child(2) { background: rgba(0,200,224,0.1); }\r\n.rethink-table-wrap4-fr .rethink-nein { color: #3a3a3a; }\r\n<\/style><\/p>\r\n<div class=\"rethink-table-wrap4-fr\">\r\n<table>\r\n<thead>\r\n<tr>\r\n<th>Crit\u00e8re<\/th>\r\n<th class=\"rethink-highlight\">SmartSaver<\/th>\r\n<th>Go &amp; Grow<\/th>\r\n<th>Modena<\/th>\r\n<th>FLEXI<\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td>Lancement<\/td>\r\n<td>2022<\/td>\r\n<td>2018<\/td>\r\n<td>2025<\/td>\r\n<td>2026<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Si\u00e8ge social<\/td>\r\n<td>Estonie<\/td>\r\n<td>Estonie<\/td>\r\n<td>Estonie<\/td>\r\n<td>Lettonie<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Rendement<\/td>\r\n<td>7,5%<\/td>\r\n<td>6%<\/td>\r\n<td>Jusqu&#8217;\u00e0 11%<\/td>\r\n<td>6%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Int\u00e9r\u00eats cr\u00e9dit\u00e9s<\/td>\r\n<td>Quotidien<\/td>\r\n<td>Quotidien<\/td>\r\n<td>Mensuel<\/td>\r\n<td>Quotidien<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Disponibilit\u00e9<\/td>\r\n<td>Max. 10 jours<\/td>\r\n<td>Quotidien<\/td>\r\n<td>Max. 31 jours<\/td>\r\n<td>Quotidien<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Invest. minimum<\/td>\r\n<td>10 \u20ac<\/td>\r\n<td>1 \u20ac<\/td>\r\n<td>50 \u20ac<\/td>\r\n<td>10 \u20ac<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Invest. maximum<\/td>\r\n<td>500 000 \u20ac<\/td>\r\n<td>Sans limite<\/td>\r\n<td>Sans limite<\/td>\r\n<td>10 000 \u20ac<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>R\u00e9gulation<\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<td><span style=\"color: #3a3a3a; font-weight: 400;\">Oui<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Garantie<\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<td><span class=\"rethink-nein\">Non<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<div class=\"flex max-w-full flex-col flex-grow\">\r\n<div class=\"min-h-8 text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words text-start [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"7a9b7461-12a0-4d3e-a3ea-d12c6409a5be\" data-message-model-slug=\"gpt-4o-mini\">\r\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\r\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">Vous pouvez trouver d&#8217;autres alternatives \u00e0 Monefit SmartSaver sur ma page de <a href=\"https:\/\/rethink-p2p.de\/fr\/comparaison-plateformes-p2p\/\" target=\"_blank\" rel=\"noopener\"><strong>comparaison des plateformes P2P<\/strong><\/a>.<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Liens d\u2019Affiliation \/ Conflits d\u2019Int\u00e9r\u00eats<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>D\u00e9charge de Responsabilit\u00e9<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Liens d\u2019Affiliation \/ Conflits d\u2019Int\u00e9r\u00eats&lt;\/strong&gt;\">Cet article contient des liens d\u2019affiliation. Si vous vous inscrivez et\/ou investissez via l\u2019un de ces liens, l\u2019op\u00e9rateur re\u00e7oit une commission. Cette r\u00e9mun\u00e9ration n\u2019influence en rien l\u2019opinion ni l\u2019\u00e9valuation de la plateforme. Les \u00e9ventuels conflits d\u2019int\u00e9r\u00eats peuvent \u00eatre consult\u00e9s sur la page \u00ab <a href=\"https:\/\/rethink-p2p.de\/fr\/portefeuille-p2p\/\" target=\"_blank\" rel=\"noopener\"><strong>Portefeuille P2P<\/strong><\/a> \u00bb.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;D\u00e9charge de Responsabilit\u00e9&lt;\/strong&gt;\">Les investissements dans les pr\u00eats P2P comportent des risques et peuvent entra\u00eener la perte totale du capital investi. Les performances pass\u00e9es ne constituent pas un indicateur fiable des d\u00e9veloppements futurs. Le contenu suivant est fourni uniquement \u00e0 titre informatif et ne constitue pas un conseil en investissement. Malgr\u00e9 des recherches minutieuses, aucune garantie n\u2019est donn\u00e9e quant \u00e0 l\u2019exactitude, l\u2019exhaustivit\u00e9 ou l\u2019actualit\u00e9 des informations fournies. Aucune responsabilit\u00e9 n\u2019est assum\u00e9e pour les pertes financi\u00e8res ou les d\u00e9cisions d\u2019investissement bas\u00e9es sur les informations pr\u00e9sent\u00e9es ici. Pour plus de d\u00e9tails, consultez <a href=\"https:\/\/rethink-p2p.de\/fr\/decharge-de-responsabilite\/\" target=\"_blank\" rel=\"noopener\"><strong>l\u2019avis de non-responsabilit\u00e9 complet<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"FAQ_Monefit_SmartSaver_Avis\"><\/span>FAQ Monefit SmartSaver Avis<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1774861999907\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Qu&#8217;est-ce que Monefit SmartSaver ?<\/strong>\r\n<p class=\"schema-faq-answer\">Monefit SmartSaver est une plateforme d&#8217;investissement de la soci\u00e9t\u00e9 fintech Creditstar, o\u00f9 les investisseurs peuvent investir directement dans le portefeuille de cr\u00e9dits du groupe Creditstar. Le rendement varie entre 7,5% (compte principal) et jusqu&#8217;\u00e0 10,52% selon la dur\u00e9e du vault choisi (jusqu&#8217;\u00e0 24 mois).<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774862107889\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Monefit SmartSaver est-il une alternative \u00e0 Bondora Go &amp; Grow ?<\/strong>\r\n<p class=\"schema-faq-answer\">Oui, avec des nuances. Monefit SmartSaver offre un rendement plus \u00e9lev\u00e9 et plus de flexibilit\u00e9 sur les d\u00e9p\u00f4ts. Cependant, Bondora Go &amp; Grow reste la meilleure option en termes de liquidit\u00e9, car il permet des retraits quotidiens illimit\u00e9s sans restriction.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774862108560\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Monefit SmartSaver est-il r\u00e9glement\u00e9 ?<\/strong>\r\n<p class=\"schema-faq-answer\">Non. Monefit SmartSaver n&#8217;est supervis\u00e9 par aucune autorit\u00e9 financi\u00e8re ou r\u00e9glementaire. Il n&#8217;existe pas non plus de syst\u00e8me de garantie des d\u00e9p\u00f4ts. Le capital investi n&#8217;est pas garanti et peut \u00eatre perdu en totalit\u00e9 dans le pire des cas.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774862109344\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Quelle est la liquidit\u00e9 de Monefit SmartSaver ?<\/strong>\r\n<p class=\"schema-faq-answer\">Via le compte principal, jusqu&#8217;\u00e0 1 000 \u20ac par mois civil peuvent \u00eatre retir\u00e9s imm\u00e9diatement. Pour les montants sup\u00e9rieurs, un d\u00e9lai de traitement allant jusqu&#8217;\u00e0 10 jours ouvrables s&#8217;applique. Les investissements en vaults sont bloqu\u00e9s pendant la dur\u00e9e choisie de 6 \u00e0 24 mois.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774862109937\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Existe-t-il un bonus pour s&#8217;inscrire sur Monefit SmartSaver ?<\/strong>\r\n<p class=\"schema-faq-answer\">Oui. Les nouveaux investisseurs s&#8217;inscrivant via mon lien d&#8217;affiliation re\u00e7oivent un cr\u00e9dit de d\u00e9part de 5 \u20ac ainsi que 0,25% de cashback sur tous les d\u00e9p\u00f4ts nets effectu\u00e9s dans les 90 premiers jours.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36868,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Monefit SmartSaver Avis 2026 : 7,5 % + Liquidit\u00e9 Quotidienne !<\/title>\n<meta name=\"description\" content=\"Monefit SmartSaver Avis 2026 : 7,5 % APY + Liquidit\u00e9 quotidienne ! 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