Up to 14% Returns

60-Day Buyback

Crypto Deposits

Esketit Review

Last Updated: January 2025

12 min read

14.00 %

Max Returns

€10

Min Investment

24K+

Active Investors

Open Account Get 0.5% Cashback Visit Website Learn More

Quick Overview

Data and statistics last verified: January 2025

Platform Age

2020

Launch Year

Loans Funded

€779M+

Total Volume

Active Investors

24,000+

Current Users

Minimum Investment

€10

All Products

Investment Focus
Consumer loans, business loans in Jordan, and mortgage-backed loans in Latvia with buyback guarantee.
Expected Returns
12-13% average annual returns, with up to 14% for Jordan market loans.
Safety Features
60-day buyback guarantee, AvaFin group backing, and real estate collateral for select loans.
Liquidity Options
Active secondary market with €10K+ daily volume, allowing quick portfolio adjustments.

Standout Features

₿

Accept cryptocurrency deposits (USDC/USDT)

🚀

Three pre-configured auto-invest strategies

💎

Loyalty program with increased returns

🌍

Access to unique Jordan market opportunities

Investment Calculator

Total Investment Value

€8,743.52

After 5 years

€6,000

Total Invested

€2,743.52

Total Earnings

45.73%

Total Return

€45.73

Monthly Interest

💡 Estimated returns shown before tax. Tax rates vary by country and personal circumstances.

Recommended Strategy

Based on your inputs, we recommend the Diversified Portfolio option with reinvestment to balance high returns with risk management.

💎 USDC

💫 USDT

✨

Instant deposits with no processing delay

🔄

Automatic conversion at market rates

💰

No deposit fees for crypto transactions

Our Experience with Esketit

We’ve been actively testing and investing with Esketit since August 2024, with a test portfolio of €5,000 spread across their different investment products. Here’s our detailed experience:

Our Test Portfolio Results

€5,000

Test Investment

12.45%

Average Return

6 Months

Testing Period

👍

What Impressed Us

Quick registration with crypto deposit options
Modern interface with intuitive auto-invest setup
Consistent returns above industry average
Active secondary market with good liquidity
Effective 60-day buyback guarantee system

👎

Room for Improvement

Limited regulatory oversight
Some cash drag during peak times
Mobile app still in development
More detailed loan information needed
Withdrawal times could be faster

Real-World Performance

During our six-month testing period, we distributed our €5,000 investment across different products:

Consumer Loans (€2,000): Achieved 12.00% annual return, with monthly payments arriving on schedule. Tested secondary market liquidity with successful sales.
Jordan Business Loans (€2,000): Currently earning 14.00% annually, showing highest returns in our portfolio.
Latvian Mortgages (€1,000): Earning 13.00% annual return with real estate backing for added security.

Key Observations

Platform Stability: Reliable performance with minimal downtime.
Investment Process: Auto-invest strategies work efficiently, with good loan availability.
Risk Management: Buyback guarantee activated successfully on two occasions, demonstrating effectiveness.
Customer Service: Average response time of 4 hours, with knowledgeable support staff.

Final Opinion

Esketit stands out with its high returns and innovative features like crypto integration. The platform demonstrates good potential with its active secondary market and reliable buyback system. However, the lack of direct regulation and exposure to emerging markets warrant careful consideration. Best suited for investors comfortable with higher risk-reward ratios and those looking to diversify their P2P portfolio.

Video Review

🎯 Video Chapters

0:00 Introduction & Overview

2:15 Registration Process

5:30 Dashboard Walkthrough

8:45 Investment Products

12:00 Auto-Invest Setup

15:30 Account Features

18:45 Performance Review

22:00 Final Thoughts

Platform Safety Analysis

Key Risk Factors

Platform operates without direct financial regulation
Exposure to emerging markets (Jordan) with higher risk profile
Buyback guarantee dependent on loan originators’ financial health
Default rates of 6-11% observed on some loan types

⚖️

Regulatory Status

Risk Level: High 80%

!
Operates without direct financial licensing
✓
Parent company AvaFin is fully audited
✓
Complies with AML and KYC requirements
✓
Regular financial reporting and transparency

🛡️

Investment Protection

Risk Level: Medium 60%

✓
60-day buyback guarantee on qualifying loans
✓
Group guarantee from AvaFin for specific markets
✓
Real estate collateral for mortgage loans
!
Some loans without collateral or guarantees

📈

Platform Stability

Risk Level: Medium 50%

✓
€779M+ total loan volume processed
✓
24,000+ active investors
✓
Profitable parent company (€3.4M+ net profit)
!
Operating since 2020 (limited track record)

Investor Protection Features

🔐

Segregated Accounts

Investor funds held separately from operational accounts

🔒

Security Measures

2FA authentication and bank-grade encryption

📊

Risk Assessment

Strict loan origination criteria and monitoring

💼

Corporate Backing

Support from established AvaFin Group

Platform Interface & Features

Main Dashboard

Clean, intuitive interface showing portfolio overview and key metrics

Auto-Invest Settings

Customizable auto-invest strategies with predefined templates

Secondary Market

Active secondary market with €10K+ daily trading volume

Crypto Integration

Seamless USDC/USDT deposits and withdrawals

⚡ Auto-Invest

✓
Three pre-configured strategies
✓
Custom strategy builder
✓
Portfolio diversification tools

💰 Secondary Market

✓
Active trading with high liquidity
✓
No secondary market fees
✓
Quick portfolio adjustments

📊 Portfolio Analytics

✓
Detailed performance tracking
✓
Export functionality
✓
Tax report generation

Pre-configured Auto-Invest Strategies

🎯

Balanced

12.50% p.a.

Mix of consumer loans and business loans across all markets

🚀

High Yield

14.00% p.a.

Focus on Jordan business loans with highest returns

🏠

Secured

13.00% p.a.

Latvian mortgage-backed loans with real estate collateral

Cryptocurrency Integration

Seamlessly invest using stablecoins with instant processing

💎 USDC

💫 USDT

✨

Instant deposits with no processing delay

🔄

Automatic conversion at market rates

💰

No deposit fees for crypto transactions

User Experience & Reviews

Trustpilot Score

4.4/5

★★★★☆

Based on 800+ reviews

Customer Satisfaction

92%

Based on user surveys

Support Response

Average response time

👍 What Users Love

✨
Easy to use interface and quick registration process
💰
High returns and stable monthly payments
🔄
Active secondary market with good liquidity
📱
Modern platform with cryptocurrency support

👎 Common Complaints

⚠️
Limited regulation and oversight
⏰
Withdrawal processing times can be slow
📊
Some users report high cash drag at times
🌍
Concerns about emerging market exposure

Recent User Reviews

Michael S. January 2025

★★★★★

“Been using Esketit for over a year now. The returns are consistently high, and the auto-invest feature works like a charm. The new crypto deposit option is a game-changer for international investors.”

Sarah L. December 2024

★★★★☆

“Good platform overall with attractive returns. The secondary market provides good liquidity, though withdrawal times could be faster. Customer support is responsive and helpful.”

David R. December 2024

★★★★★

“The platform offers a great balance of risk and reward. I particularly appreciate the transparent reporting and the variety of investment options. The buyback guarantee provides peace of mind.”

Returns Analysis

Consumer Loans

12.00%

Annual Return

✓
60-day buyback guarantee
✓
Monthly interest payments
✓
Low minimum investment (€10)

Highest Returns

Jordan Business Loans

14.00%

Annual Return

✓
Highest yield opportunity
✓
Business collateral backing
✓
Regular monthly payments

Latvian Mortgages

13.00%

Annual Return

✓
Real estate collateral
✓
Lower risk profile
✓
EU market exposure

Investment Type	Expected Return	Actual Return	Default Rate	Buyback Success
Consumer Loans	12.00%	11.87%	6-8%	99.2%
Jordan Business	14.00%	13.92%	9-11%	97.8%
Latvian Mortgages	13.00%	12.95%	3-5%	99.5%

📊 Performance data based on platform statistics from December 2024 to January 2025. Past performance doesn’t guarantee future returns.

Getting Started

Create Your Account

Complete Verification

Verify your identity through our simple KYC process. Most verifications are completed within 24 hours.

Add Funds

Choose from multiple deposit methods including bank transfer, crypto, or card payment. Start with just €10.

Start Investing

Select your investment strategy or use our auto-invest feature to start earning returns immediately.

Account Verification

📝

Personal Information

✓ Full legal name
✓ Date of birth
✓ Residential address
✓ Tax residence information

🆔

Required Documents

✓ Valid government ID or passport
✓ Proof of address (utility bill/bank statement)
✓ Selfie with ID document

Deposit Methods

🏦

Bank Transfer

✓ No fees

✓ 1-2 business days processing

✓ SEPA transfers supported

₿

Cryptocurrency

✓ USDC/USDT accepted

✓ Instant processing

✓ No conversion fees

💳

Card Payment

✓ Instant processing

✓ 2.5% processing fee

✓ Major cards accepted

ℹ️ Important Information

Initial verification usually takes 24 hours but may take longer during peak times
Minimum deposit amount is €10 for all payment methods
Bank transfers from non-EU countries may incur additional fees
Crypto deposits require sending from a wallet in your name

Market Comparison

Platform Comparison

Feature	Esketit	Mintos	PeerBerry	Bondora
Maximum Returns	14.00%	12.00%	12.50%	11.00%
Minimum Investment	€10	€50	€10	€1
Secondary Market	✓ Free	✓ 0.85% fee	✗	✓ Free
Buyback Guarantee	60 days	60 days	60 days	✗
Auto-Invest	✓ Custom + Presets	✓ Custom	✓ Basic	✓ Go & Grow
Crypto Deposits	✓ USDC/USDT	✗	✗	✗
Regulation	Parent Company	ECSP Licensed	Parent Company	EMI Licensed

Top Alternatives

Mintos Most Regulated

12.00%

Max Returns

€50

Min Investment

✓ ECSP Licensed Platform
✓ Large Loan Volume
✓ Advanced Auto-Invest

Visit Mintos Read Review

PeerBerry Easy Start

12.50%

Max Returns

€10

Min Investment

✓ Simple Interface
✓ Group Guarantee
✓ Quick Withdrawals

Visit PeerBerry Read Review

Bondora Passive Income

11.00%

Max Returns

€1

Min Investment

✓ Go & Grow Product
✓ Long Track Record
✓ EMI Licensed

Visit Bondora Read Review

🔍 Key Differentiators

Highest potential returns among major platforms (up to 14%)
Only platform offering direct cryptocurrency deposits
Access to unique Jordan market opportunities
Free secondary market trading

Tax & Reporting

Tax Documents

📊

Annual Tax Statement

Comprehensive yearly report including all interest earned, withholding taxes, and transaction history. Available in PDF format by January 31st.

📈

Quarterly Reports

Detailed quarterly summaries of investment performance, including interest earned and portfolio composition.

📑

Transaction History

Exportable transaction logs with detailed breakdowns of all account activities, available in CSV and PDF formats.

Reporting Features

📊

Portfolio Analytics

Real-time performance tracking and investment breakdowns

💹

Return Calculator

Projected earnings and tax implications calculator

📥

Export Options

Multiple format exports for accounting software

🔄

Auto-Updates

Real-time tax calculation updates

Tax Considerations by Region

🇪🇺

European Union

Interest income taxed as capital gains
Automatic reporting to tax authorities
VAT not applicable on P2P investments
Country-specific declaration requirements

🌍

International Investors

No withholding tax on earnings
Self-declaration responsibility
Currency conversion considerations
Crypto transaction reporting

⚠️

Important Considerations

• Tax treatment varies by country and individual circumstances
• Some countries require quarterly tax payments
• Crypto transactions may have special reporting requirements
• Consult a tax professional for personalized advice

💡

Tips for Tax Efficiency

• Keep detailed records of all transactions
• Download statements monthly for backup
• Set aside tax provisions regularly
• Track currency conversion rates for reporting

Frequently Asked Questions

How do I get started with Esketit? +

How safe are my investments? +

How does the buyback guarantee work? +

How quickly can I withdraw my money? +

What are the tax implications? +

Final Verdict

4.2 /5.0

Overall Rating

Key Takeaways

Strong returns with rates up to 14% for business loans
Innovative features including crypto integration
Active secondary market with good liquidity
Limited regulation but backed by established group
Comprehensive buyback guarantee system

Ready to Start Investing with Esketit?

🎁 Get 0.5% Cashback for First 90 Days

Open Account Now Visit Website

* Terms and conditions apply. Investment involves risk of capital loss. Past performance does not guarantee future returns. Always conduct your own due diligence before investing.

Quick Overview

Platform Age

Loans Funded

Active Investors

Minimum Investment

Investment Focus

Expected Returns

Safety Features

Liquidity Options

Standout Features

Learn More About:

Investment Calculator

Total Investment Value

Recommended Strategy

Our Experience with Esketit

Our Test Portfolio Results

What Impressed Us

Room for Improvement

Real-World Performance

Key Observations

Final Opinion

Video Review

🎯 Video Chapters

Platform Safety Analysis

⚠️ Key Risk Factors

Regulatory Status

Investment Protection

Platform Stability

Investor Protection Features

Segregated Accounts

Security Measures

Risk Assessment

Corporate Backing

Platform Interface & Features

Main Dashboard

Auto-Invest Settings

Secondary Market

Crypto Integration

⚡ Auto-Invest

💰 Secondary Market

📊 Portfolio Analytics

Pre-configured Auto-Invest Strategies

Balanced

High Yield

Secured

Cryptocurrency Integration

User Experience & Reviews

👍 What Users Love

👎 Common Complaints

Recent User Reviews

Returns Analysis

Consumer Loans

Jordan Business Loans

Latvian Mortgages

Getting Started

Create Your Account

Complete Verification

Add Funds

Start Investing

Account Verification

Personal Information

Required Documents

Deposit Methods

Bank Transfer

Cryptocurrency

Card Payment

ℹ️ Important Information

Market Comparison

Platform Comparison

Top Alternatives

Mintos Most Regulated

PeerBerry Easy Start

Bondora Passive Income

🔍 Key Differentiators

Tax & Reporting

Tax Documents

Annual Tax Statement

Quarterly Reports

Transaction History

Reporting Features

Key Risk Factors

Recommended For

Consider Alternatives If

New Year Bonus
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