P2P Investments

Hive5

Croatia 🇭🇷

Hive5 is a modern and one of the fastest-growing P2P platforms in the EU. Hive5 offers a streamlined platform connecting you with high-yield investment opportunities through claim rights to loan receivables. One of the standout features of Hive5 is its focus on high returns. You can access a variety of loans issued by vetted loan originators. The platform ensures transparency and security by separating investor funds from operational funds, reducing risk.

Minimum amount depends on the project

Key numbers Who can invest? How it works

Anyone at least age 18, who has a current account opened in its name with a payment institution, credit institution, or its branch registered in the EU, and who holds citizenship of a country that is not included in the High-Risk third countries list can register and invest on the Hive5 platform. You just need to register on the website and verify your identity.

Commission: 0%
Instruction:
1. Registration and Account Setup

The first step in your Hive5 journey involves registering on the platform.

You’ll need to provide essential personal details, agree to the terms and conditions, and complete a verification process to ensure compliance with anti-money laundering regulations.

This involves submitting identification documents.

Once verified, your user profile and virtual account are created, giving you access to all platform features.

2. Funding Your Account

To start investing, you need to transfer funds to your Hive5 virtual account. The minimum investment amount is €10, making it accessible for various investor profiles. Transfers are processed swiftly, usually within two business days, and Hive5 ensures that your funds are kept separate from the platform’s own assets, ensuring their safety and your peace of mind.

3. Investment Opportunities

Hive5 offers a range of investment opportunities primarily in the form of claim rights to loan receivables. These are loans issued by various loan originators that list them on the platform. Investors can browse through available loans, which come with detailed information about the borrower, loan terms, interest rates, and repayment schedules. Hive5 stands out by offering an impressive maximal observed interest rate of up to 15% per annum, with an average rate around 14.76%.

4. Investment Strategies

You have the option to invest manually or use the Auto-Invest feature. The manual investment process involves selecting loans individually based on your criteria. This method allows you to diversify your portfolio across different loans and loan originators. On the other hand, Auto-Invest lets you set predefined criteria, such as desired interest rates and loan terms, and the platform automatically allocates your funds according to these settings.

5. Claim Rights Management

Once you purchase claim rights, Hive5 manages the repayments. Borrowers make their payments to the loan originators, who then transfer the funds to Hive5. The platform distributes these funds to your virtual account based on the proportion of your investment in each loan. This ensures that you receive your share of both principal and interest payments in a timely manner.

6. Withdrawal of Funds

At any time, you can request to withdraw your available funds from your virtual account. The process is straightforward: submit a withdrawal request, and Hive5 will transfer the funds back to your linked bank account. This process typically takes a few business days, depending on your bank’s processing times.