Editorial verdict
Efficient for a passive P2P portfolio — if contractual protection is not mistaken for a guarantee
Esketit is strong for investors seeking automation, a low entry threshold and a fee-free secondary market. Its scale is meaningful, but it is not licensed for financial services. Analysis should therefore start with the lender and agreement, not the buyback label.
What we like
- 11.86% published current average rate
- Auto Purchase and ready-made strategies
- Fee-free secondary market
- €10 minimum
- Nearly €1bn in purchased claims
What concerns us
- No financial-services licence
- Buyback does not cover every claim
- Group guarantee has limited scope
- Lenders carry the main risk
- Secondary-market sales are not guaranteed
How the model works
What investors actually buy
Esketit is an online marketplace where investors purchase contractual rights to claims from loans already issued. Payments pass from the borrower through the relevant lender, while Esketit provides the technology, agreements and portfolio tools.
A loan originator issues a loan.
Rights to the loan are listed on Esketit.
Invest manually or through Auto Purchase.
Principal and interest follow the agreement.
This is not a deposit or a protected financial instrument. Performance depends on the borrower, lender and applicable contractual mechanisms.
Automation with control
Auto Purchase versus manual investing
Auto Purchase
Automatically buys eligible claims using the investor's filters and limits.
- Filters by lender and country
- Rate, term and position limits
- Automatic reinvestment
- Less idle cash when supply is good
Manual purchase
Allows closer selection of individual claims and contractual protections.
- Review the Assignment Agreement
- Check buyback status
- Check group-guarantee coverage
- Control concentration
Limit exposure to one claim and one lender. A high loan count is not sufficient if many positions depend on the same group.
Returns and scale
11.86% average interest on a platform approaching €1bn in volume
The published average rate is not a promised return for every portfolio. Results depend on lenders, idle cash, arrears, taxes and possible losses.
Scale and past interest payments do not prove a lender's future solvency or replace regulatory protection.
Risk dashboard
Where the risk really sits
- High impactLender risk
Buyback and claim payments depend on the financial health of the loan originator.
- High impactRegulatory and platform risk
Legal protection comes mainly from contracts, not an investor-compensation scheme.
- MediumGroup and geographic concentration
Many claims can remain economically dependent on one group or market.
- MediumLoan extensions
Loans may be extended up to five times by up to 31 days, delaying liquidity.
- LowerCurrency exposure
Purchases are in euros, but lenders operate in markets with different currencies and conditions.
Editorial methodology
Why the score is 8.1 out of 10
Protection and exit
Buyback, group guarantee and secondary market
Buyback obligation
Most lenders undertake to repurchase a claim after more than 60 days of delay, or another period stated in the Assignment Agreement. Coverage must be checked for every offer.
AvaFin group guarantee
For eligible claims, AvaFin Group may fulfil the buyback if the lender cannot. This adds a contractual layer but still depends on group solvency.
Secondary market
Positions may be listed with a premium or discount and Esketit charges no fee. A buyer and sale timing are not guaranteed.
Do not assume buyback or the secondary market provides an immediate exit. Keep a liquidity reserve outside Esketit.
Interactive scenario
Potential gross return
Taxes, idle cash, arrears, extensions, losses and sale discounts are excluded.
Context, not a ranking
Esketit compared with Robocash and TWINO
| Criterion | Esketit | Robocash | TWINO |
|---|---|---|---|
| Core model | Claims | Claims | Regulated Notes |
| Regulation | No financial-services licence | No financial-services licence | Licensed investment firm |
| Automation | Auto Purchase and strategies | One-click and custom portfolios | Auto-invest for eligible products |
| Key risk | Lender and contractual guarantors | UnaFinancial concentration | Lender and Notes structure |
| Early exit | Secondary market with premium/discount | Secondary market at par | Conditional secondary market |
Frequently asked questions
Esketit FAQ
What return does Esketit offer?
On 4 August 2026, Esketit published a current average interest rate of 11.86%. This is not guaranteed.
Is Esketit regulated?
No. Esketit states that it does not operate under a financial-services licence.
Do all claims have buyback?
No. Check the individual offer and Assignment Agreement.
What is the minimum investment?
The primary-market minimum is €10.
Is there a secondary market?
Yes, without an Esketit fee and with premium or discount options. Sale is not guaranteed.
Verifiable data
Official sources and transparency
- Esketit — history, legal status, scale and statistics
- Esketit FAQ — minimum, buyback, extensions, secondary market and agreements
Affiliate transparency: Registration links are affiliate links. P2P Investitor may receive compensation at no additional cost to the reader. This does not change the score or editorial verdict.
Final verdict
Esketit is a strong tool, not a substitute for a regulated investment environment
Automation, the secondary market and historical volume make it convenient for passive P2P exposure. Decisions should still be based on the lender, agreement and position limit.