Debitum vs Modena
Which platform performs better in 2026? Anonymized data from real investor portfolios on P2P Dash — returns, sentiment and facts side by side.
Community data compared
As of July 13, 2026
 Debitum |  Modena | |
|---|---|---|
| Community ranking 2026 | #7 of 34 | #10 of 34 |
| Median net return (XIRR) | 15.1% | 11.4% |
| Middle 50% | 13.7% – 17.0% | 9.7% – 13.3% |
| Add funds / reinvest | 59% · 205 votes | 61% · 70 votes |
| Median cash drag | 2.1% | 0.0% |
| Investors on P2P Dash | 767 | 263 |
| Combined portfolio value | €4.93M | €798K |
| Interest earned all-time | €547K | €31.8K |
Platform facts
| Founded | 2018 | 2019 |
| Headquarters | 🇱🇻 Latvia | 🇪🇪 Estonia |
| Regulated | Yes | Yes |
| Buyback Guarantee | Yes | Yes |
| Secondary Market | No | No |
| Auto-Invest | Yes | Yes |
What the data says
Measured by real portfolios on P2P Dash, Debitum currently delivers the higher median net return: 15.1% versus 11.4% at Modena.
Investor sentiment currently favors Modena: 61% of stated strategies are “add funds” or “reinvest”, versus 59% at Debitum.
Debitum is the bigger platform on P2P Dash, with 767 investors tracking it versus 263 for Modena.
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: Debitum or Modena?
Among P2P Dash investors, Debitum currently shows the higher median net return (XIRR): 15.1% versus 11.4% (as of July 13, 2026). The middle 50% of portfolios earn 13.7% – 17.0% at Debitum and 9.7% – 13.3% at Modena.
Where do investors put new money right now — Debitum or Modena?
As of July 13, 2026, 59% of stated strategies at Debitum are “add funds” or “reinvest”, compared to 61% at Modena.
How do I compare my own returns on Debitum and Modena?
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.
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.