Monefit SmartSaver
Estonian fintech offering up to 10.52% APY daily returns with flexible withdrawals, part of Creditstar Group
Rating breakdown
Pros
- Up to 10.52% APY with daily returns — very competitive yield
- Flexible withdrawals anytime — better liquidity than most P2P platforms
- Over €18M already paid out to investors with 1.4M+ users globally
Cons
- Returns backed by consumer lending — carries underlying credit risk
- Not covered by deposit guarantee schemes — capital at risk
- Relatively new platform — less track record than established P2P players like Mintos
Platform & features
Available on
Key features
Availability
Languages
Available in 12 countries
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Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer