What to do if I have a question or a problem?
Please feel free to contact our investor relations team with any concern, suggestion or problem you might face. Email us at info@modena.capital or give a call +372 5804 236.
Our office hours are Mon–Fri, 10:00–17:00 CET
How secure is Modena?
Modena like majority of other fintech companies is subject to financial regulation. Modena Estonia OÜ and Modena Payments OÜ are regulated by the Estonian Financial Supervision Authority. This supervision provides assurance for the investors that the company follows all the established rules and requirements.
Does Modena have an operating license?
All Modena group companies are registered under the laws of the Republic of Estonia. Modena Estonia OÜ has received a consumer lending and Modena Payments OÜ and EU payment institution operating license from the Estonian FSA. All Modena’s activities comply with the Estonian law requirements and furthermore follow the EU legislation concerning the lending industry.
What happens if the customer defaults on the issued financing?
Modena offers a feature called buyback which means that all the defaulted loans will be bought back by Modena.
If the customer does not make payments according to payment schedule then Modena is obligated to buy back the debt claim from the investor once it has become 35-90 days overdue depending on the underlying contract’s debt claim.
How much can I expect to earn?
Your earnings depend on the performance of the assets in your portfolio and the chosen Vault. However, historically, platform users have made an average of 8% – 11% ROI per annum.
When do I earn revenue / when is it recognized?
Revenue is recognized every time new assets are sold to the user. Revenue comes from the fact that assets are sold at a discount compared to their face value. Assets can only be sold when the user has outstanding funds in the Vault. Therefore, asset sales depend on:
1) the customer repayments on the existing assest as this is the money that will be used to sell new assets
2) when the user deposits additional funds to the Vault as this will be used to sell new assest.
Revenue timing is individual because it depends on the aforementioned aspects. However, on average users could expect revenue recognized a few times a week.
Is it possible to get an income statement for tax?
Yes, the financial income report is available in the portal.
How can I withdraw my money?
You can withdraw your money from the Dynamic Vault by pressing the button “Withdraw from Vault” to transfer funds out of the Vault to your Cash balance. Once the funds are transferred out of the Vault you can request the funds to be transferred to your IBAN. Withdrawing funds is free of charge. Funds in the Fixed-Term Vault are automatically transferred to your cash balance at maturity from where you can request them to be transferred to your IBAN.
What is modena.capital?
Modena.capital is an platform that belongs to the Estonian company Modena Estonia OÜ (Modena).
Modena focuses on payments and financing related products.
The company was established in 2020 and as of 2025 there are more than 100 000 customers who are using some payment or financing product. The headquarter is located in Tallinn, Estonia.
How does the platform work?
It is very easy to get started. Just create an account, verify your identity and add money. Within 10 minutes you are ready to start earning on modena.capital.
By placing money you are buying debt claims from Modena. These debt claims are against consumers who have used some credit or buy now, pay later financing product from Modena.
When the consumer makes repayments for part of that repayment that gets credited to the investors’s account is principal and part revenue. Consumer repayments are imported daily to the system.
If the consumer fails to make repayments on time then Modena will rebuy the debt claims from you automatically. Depending on the debt claim type around 35 – 90 days after the consumer has failed to make a repayment.
Who can use Modena.capital platform?
Anyone can use Modena’s platform who meet the following criteria:
1) at least age 18,
2) who has a bank opened in its name with a payment institution, credit institution, or its branch registered in the EU,
3) and who holds citizenship of an EU country
How to get started?
There are 4 simple steps to get started:
1) Begin by creating an account with Modena to start your journey
2) Complete the verification process, and you’re all set
3) Add your funds to the platform
4) Place money in the Fixed-Term or Dynamic Vault.
Are there any fees for creating an account or withdrawing funds?
No, Modena does not change any fees for creating and maintaining an account or for withdrawing funds.
