Common questions

Modena.capital offers an online platform for growing money. It easy to get started and to put your money to work for you.

Modena.capital is an platform that belongs to the Modena fintech group. Modena group focuses on payments and financing related products. The group was established in 2020 and as of 2025 there are more than 100 000 customers who are using some payment or financing product. The group’s headquarters is located in Tallinn Estonia.

It is very easy to get started. Just create and 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 45 - 90 days after the consumer has failed to make a repayment.

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 Loan Vault

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