Our Blog

Modena Estonia achieved steady, disciplined growth in 2025 — with 98% of Vault assets actively invested.

The survey reveals how modern investors define financial safety — shifting from guaranteed returns toward transparency, diversification, and control.

You can now export your Modena Capital statements in Excel — and soon, seamlessly track them in P2PDash too.

Modena’s refreshed brand identity will be rolled out gradually over the next two months, marking a new chapter of growth and innovation.

Start with Modena Newcomers: get €25 + up to €1,000 cashback in your first 90 days.

Invest €2,500 in a Fixed-Term Vault by 23 September and receive a €25 loyalty bonus on top of your regular returns.

Credit contracts are now live in the Dynamic Vault, offering investors more assets and ~10% yield.

Modena is adding better reports, new vaults, refer-a-friend, monthly emails, 2FA, and more by 2026.

Despite a reported negative working capital — driven by early loan repayment to secure better terms — our financial position is stronger than ever.

Q2 2025: €4.1M BNPL contracts issued, up 23% YoY. €3.2M financed via modena.capital. Seasonal dip expected. Default rate remained low at 0.4%.

We’re building Modena together with our investors. Tell us what’s the one feature you’d love to see on the platform – it only takes a minute!

Building a stable and reliable income stream is a key goal for many investors. At Modena, we’ve built our platform with this exact idea in mind.

June marked our strongest month to date in business loan growth. The loan portfolio expanded by 23%, bringing total active lending above €450,000.

Sign-up bonus 1% to all investors including existing ones!

We’re excited to announce the launch of Fixed-Term Vault, a new investment opportunity exclusively for Modena.Capital investors.

With yet another successful quarter closed we are happy to share business update with our investors.

Interest rates at traditional banks are lower than ever. Inflation continues to eat away at savings. So, where can investors turn for better returns?

We know trust is everything in finance. That’s why we’ve built Modena Capital with security and transparency at the core.

Traditional banks have dominated lending for decades, but peer-to-peer (P2P) lending is changing the rules.