{"id":623,"date":"2025-12-03T09:41:05","date_gmt":"2025-12-03T09:41:05","guid":{"rendered":"https:\/\/modena.capital\/how\/"},"modified":"2026-04-11T09:42:11","modified_gmt":"2026-04-11T09:42:11","slug":"how","status":"publish","type":"page","link":"https:\/\/modena.capital\/es\/how\/","title":{"rendered":"C\u00f3mo funciona"},"content":{"rendered":"\r\n<div id=\"container-block_d621d1bd7a36efd0247eff9356460ddc\" class=\"l-container l-container--default\" >\r\n    <div class=\"l-container__content\">\r\n        \n\n<div class=\"wp-block-columns l-grid is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\r\n<header id=\"section-header-block_b05df964962f3ee8c51ce91d11b6f55d\" class=\"c-sectionHeader js-animate-group c-sectionHeader--align-left c-sectionHeader--sticky\">\r\n        \r\n    <div class=\"c-sectionHeader__info js-animate-group-item-in\">\r\n                <h2 class=\"c-sectionHeader__title\">C\u00f3mo funciona Modena Capital<\/h2>\r\n                \r\n                <div class=\"c-sectionHeader__body\">El funcionamiento de Modena Capital en 4 sencillos pasos.<\/div>\r\n                \r\n    <\/div>\r\n    \r\n        <div class=\"c-sectionHeader__tools js-animate-group-item-in\">\r\n        \r\n<a class=\"c-btn  c-btn--hasIcon c-btn--primary\" href=\"https:\/\/app.modena.capital\/\" target=\"_blank\">\r\n    <span class=\"c-btn__title\">Empieza aqu\u00ed<\/span>\r\n        <span class=\"c-btn__icon\">\r\n        <svg viewBox=\"0 0 24 24\" class=\"icon c-btn__iconImage\" aria-hidden=\"true\">\r\n            <use xlink:href=\"https:\/\/modena.capital\/wp-content\/themes\/modena-capital\/assets\/images\/icons\/icons.svg#icon-arrow-right\"><\/use>\r\n        <\/svg>\r\n    <\/span>\r\n    <\/a>\r\n    <\/div>\r\n    <\/header>\r\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\r\n<div class=\"c-cardList c-cardList--default\">\r\n                        <article class=\"c-card js-animate-in c-card--pill\">\r\n                                    <figure class=\"c-card__imageContainer\">\r\n                        <img decoding=\"async\" src=\"https:\/\/modena.capital\/wp-content\/uploads\/2025\/12\/how01.png\" alt=\"Investing in Loans\" class=\"c-card__image\" \/>\r\n                    <\/figure>\r\n                \r\n                \r\n                <div class=\"c-card__content\">\r\n                                            <div class=\"c-card__pill c-card__pill--blue\">\r\n                            1                        <\/div>\r\n                                                              \r\n                                            <h3 class=\"c-card__title\">Financiamos a clientes<\/h3>\r\n                                        \r\n                                            <div class=\"c-card__body\">\r\n                            Modena concede cr\u00e9dito a clientes rigurosamente evaluados.                        <\/div>\r\n                    \r\n                    \r\n\r\n                <\/div>\r\n            <\/article>\r\n                                <article class=\"c-card js-animate-in c-card--pill\">\r\n                                    <figure class=\"c-card__imageContainer\">\r\n                        <img decoding=\"async\" src=\"https:\/\/modena.capital\/wp-content\/uploads\/2025\/12\/how02.png\" alt=\"Investing in Loans\" class=\"c-card__image\" \/>\r\n                    <\/figure>\r\n                \r\n                \r\n                <div class=\"c-card__content\">\r\n                                            <div class=\"c-card__pill c-card__pill--yellow\">\r\n                            2                        <\/div>\r\n                                                              \r\n                                            <h3 class=\"c-card__title\">Crear carteras diversificadas<\/h3>\r\n                                        \r\n                                            <div class=\"c-card__body\">\r\n                            Los pr\u00e9stamos se agrupan en carteras diversificadas para distribuir el riesgo crediticio.                        <\/div>\r\n                    \r\n                    \r\n\r\n                <\/div>\r\n            <\/article>\r\n                                <article class=\"c-card js-animate-in c-card--pill\">\r\n                                    <figure class=\"c-card__imageContainer\">\r\n                        <img decoding=\"async\" src=\"https:\/\/modena.capital\/wp-content\/uploads\/2025\/12\/how03.png\" alt=\"Investing in Loans\" class=\"c-card__image\" \/>\r\n                    <\/figure>\r\n                \r\n                \r\n                <div class=\"c-card__content\">\r\n                                            <div class=\"c-card__pill c-card__pill--blueDark\">\r\n                            3                        <\/div>\r\n                                                              \r\n                                            <h3 class=\"c-card__title\">Tu inversi\u00f3n adquiere grupos de activos<\/h3>\r\n                                        \r\n                                            <div class=\"c-card__body\">\r\n                            Tus fondos adquieren autom\u00e1ticamente participaciones en estos grupos de activos.                        <\/div>\r\n                    \r\n                    \r\n\r\n                <\/div>\r\n            <\/article>\r\n                                <article class=\"c-card js-animate-in c-card--pill\">\r\n                                    <figure class=\"c-card__imageContainer\">\r\n                        <img decoding=\"async\" src=\"https:\/\/modena.capital\/wp-content\/uploads\/2025\/12\/how04.png\" alt=\"Investing in Loans\" class=\"c-card__image\" \/>\r\n                    <\/figure>\r\n                \r\n                \r\n                <div class=\"c-card__content\">\r\n                                            <div class=\"c-card__pill c-card__pill--green\">\r\n                            4                        <\/div>\r\n                                                              \r\n                                            <h3 class=\"c-card__title\">Recibe reembolsos diarios<\/h3>\r\n                                        \r\n                                            <div class=\"c-card__body\">\r\n                            A medida que los prestatarios pagan, recibes tu parte del capital y los intereses.                        <\/div>\r\n                    \r\n                    \r\n\r\n                <\/div>\r\n            <\/article>\r\n                        <\/div>\r\n<\/div>\n<\/div>\n\n\n\r\n<hr class=\"c-spacer\">\r\n\n\n\n<div class=\"wp-block-group t-text\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\"><strong>Haciendo crecer tu dinero con las B\u00f3vedas&nbsp;<\/strong><\/h2>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-columns l-grid t-text is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Al asignar tu dinero a la B\u00f3veda de Pr\u00e9stamos est\u00e1s comprando autom\u00e1ticamente derechos de cobro (activos) de Modena. Estos derechos de cobro son frente a clientes que han usado alg\u00fan servicio de cr\u00e9dito de Modena.<\/p>\n\n\n\n<p>Una vez que hayas depositado tus fondos en la B\u00f3veda de Pr\u00e9stamos, la plataforma autom\u00e1ticamente te vender\u00e1 derechos de cobro. Estos derechos de cobro son vendidos en fracciones a los usuarios de la plataforma de tal forma que ninguno de los usuarios posea el 100% del derecho sobre una deuda en concreto. Esto es para garantizar una distribuci\u00f3n equilibrada de rendimientos y estabilidad. Por ejemplo un usuario podr\u00eda poseer un 1% o un 5% o un 14,63% etc. de los derechos de una deuda.<\/p>\n\n\n\n<p>Los derechos de cobro se venden a los usuarios con descuento. La diferencia entre el precio de venta y el valor nominal es el beneficio para el usuario. El beneficio se distribuye a los usuarios en base al porcentaje de propiedad del derecho de cobro en cuesti\u00f3n. A modo de ejemplo, un derecho de cobro con vencimiento a 30 d\u00edas y de cantidad principal 500 euros se vender\u00e1 a un precio con descuento de 490 euros. Los usuarios de la plataforma que posean esos derechos de cobro ganar\u00e1n 10 euros al comprar unos derechos de cobro de 500 euros que vence en 30 d\u00edas. Por favor, ten en cuenta que esto es solo un ejemplo y que la tasa real de descuento depender\u00e1 del derecho de cobro en cuesti\u00f3n. En la actualidad, los usuarios de la plataforma pueden esperar un retorno en el entorno del 10% anual.<\/p>\n\n\n\n<p>Cuando un cliente hace repagos de un deuda, parte de ese capital es principal y parte intereses en la cuenta del usuario. Los pagos recibidos se usar\u00e1n autom\u00e1ticamente para comprar nuevos derechos de cobro. Los repagos de los clientes son volcados a diario en el sistema.<\/p>\n\n\n\n<p>Si el cliente no realiza los repagos a tiempo entonces Modena recomprar\u00e1 los derechos de cobro del usuario autom\u00e1ticamente despu\u00e9s de que haya habido un retraso de 35 d\u00edas.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Si tienes alguna pregunta o necesitas m\u00e1s informaci\u00f3n, no dudes en contactarnos por email a info@modena.capital o por tel\u00e9fono al +372 5804 2366. Nuestro horario de atenci\u00f3n es de lunes a viernes, de 10:00 a 17:00 CET.<\/strong><\/p>\n<\/div>\n<\/div>\n\n\r\n    <\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"templates\/template-blocks-page.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-623","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>C\u00f3mo funciona - Modena Capital<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/modena.capital\/es\/how\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00f3mo funciona - 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