Asterra Estate vs Swaper
Which platform performs better in 2026? Anonymized data from real investor portfolios on P2P Dash: returns, sentiment and facts side by side.
Head to head at a glance
Community data compared
As of October 13, 2026
 Asterra Estate |  Swaper | |
|---|---|---|
| Community ranking 2026 | #23 of 28 | #22 of 28 |
| Median net return (XIRR) | 23.3% | 13.3% |
| Median cash drag | 0.5% | 6.7% |
| Investors on P2P Dash | 293 | 341 |
| Combined portfolio value | €2.02M | €2.95M |
| Interest earned all-time | €221K | €563K |
Platform facts
| Founded | 2025 | 2016 |
| Headquarters | 🇪🇪 Estonia | 🇪🇪 Estonia |
| Regulated | No | No |
| Buyback Guarantee | No | Yes |
| Secondary Market | No | Yes |
| Auto-Invest | No | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
Asterra Estate
18.0%
Last 12 months · All time 23.3%
60 investors
Swaper
14.2%
Last 12 months · All time 13.3%
84 investors
30.9%
12.9%
2025
19.0%
14.7%
2026
Asterra Estate came out ahead in 2 of the 2 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
Asterra Estate Middle 50% of investors: 22.0% – 28.1%
Median net return (XIRR): 23.3%
Swaper Middle 50% of investors: 12.2% – 14.1%
Median net return (XIRR): 13.3%
Swaper investors sit closer together: 1.9% between the 25th and 75th percentile, against 6.1%.
What investors plan to do next
The strategy each investor stated for the platform, from adding funds to exiting.
Asterra Estate 23% · Based on 91 stated strategies
Swaper 45% · Based on 110 stated strategies
Where the money is going
Deposits minus withdrawals per month over the last year, across the investors who track each platform.
Asterra Estate +€906,676
Net flow, last 12 months
+114 tracked investors over the year
Investors who track both
90 investors track both platforms.
31% of Asterra Estate investors also track Swaper.
26% of Swaper investors also track Asterra Estate.
What the data says
Measured by real portfolios on P2P Dash, Asterra Estate currently delivers the higher median net return: 23.3% versus 13.3% at Swaper.
Investor sentiment currently favors Swaper: 45% of stated strategies are “add funds” or “reinvest”, versus 23% at Asterra Estate.
Swaper is the bigger platform on P2P Dash, with 341 investors tracking it versus 293 for Asterra Estate.
Anonymized, nightly aggregated community data from P2P Dash portfolios. Past performance is no guarantee of future results. This is not investment advice.
Frequently asked questions
Answers based on anonymized community data from P2P Dash investors.
Which delivers the higher return: Asterra Estate or Swaper?
Among P2P Dash investors, Asterra Estate currently shows the higher median net return (XIRR): 23.3% versus 13.3% (as of October 13, 2026). The middle 50% of portfolios earn 22.0% – 28.1% at Asterra Estate and 12.2% – 14.1% at Swaper.
Which has done better recently, Asterra Estate or Swaper?
Over the last 12 months Asterra Estate shows the higher median net return: 18.0% against 14.2%. All time the figures are 23.3% for Asterra Estate and 13.3% for Swaper (as of October 13, 2026).
Where do investors put new money right now, Asterra Estate or Swaper?
As of October 13, 2026, 23% of stated strategies at Asterra Estate are “add funds” or “reinvest”, compared to 45% at Swaper.
Do investors use Asterra Estate and Swaper at the same time?
90 investors on P2P Dash track both platforms. 31% of Asterra Estate investors also have Swaper in their portfolio.
How do I compare my own returns on Asterra Estate and Swaper?
Import your transaction exports from both platforms into P2P Dash for free. You get your real net return (XIRR), cash drag and income per platform, directly comparable in one dashboard.
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
See your own numbers side by side
Import your portfolios from both platforms for free and P2P Dash shows your real net return (XIRR), cash drag and income, per platform and combined.