Help Category: General

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.

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.

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

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.

No, Modena does not change any fees for creating and maintaining an account or for withdrawing funds.