Indemo vs Nectaro
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 August 28, 2026
 Indemo |  Nectaro | |
|---|---|---|
| Community ranking 2026 | #17 of 27 | #3 of 27 |
| Median net return (XIRR) | 5.7% | 16.8% |
| Median cash drag | 1.0% | 1.3% |
| Investors on P2P Dash | 490 | 509 |
| Combined portfolio value | €2.54M | €4.15M |
| Interest earned all-time | €30.4K | €389K |
Platform facts
| Founded | 2022 | 2023 |
| Headquarters | 🇱🇻 Latvia | 🇱🇻 Latvia |
| Regulated | Yes | Yes |
| Buyback Guarantee | No | Yes |
| Secondary Market | No | No |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
Indemo
3.0%
Last 12 months · All time 5.7%
50 investors
Nectaro
15.2%
Last 12 months · All time 16.8%
76 investors
5.9%
23.0%
2024
6.2%
17.0%
2025
2.7%
14.5%
2026
Nectaro came out ahead in 3 of the 3 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
Indemo Middle 50% of investors: 3.6% – 10.4%
Median net return (XIRR): 5.7%
Nectaro Middle 50% of investors: 14.7% – 20.4%
Median net return (XIRR): 16.8%
Nectaro investors sit closer together: 5.7% between the 25th and 75th percentile, against 6.8%.
Where the money is going
Deposits minus withdrawals per month over the last year, across the investors who track each platform.
Investors who track both
253 investors track both platforms.
52% of Indemo investors also track Nectaro.
50% of Nectaro investors also track Indemo.
What the data says
Measured by real portfolios on P2P Dash, Nectaro currently delivers the higher median net return: 16.8% versus 5.7% at Indemo.
Investor sentiment currently favors Nectaro: 62% of stated strategies are “add funds” or “reinvest”, versus 45% at Indemo.
Nectaro is the bigger platform on P2P Dash, with 509 investors tracking it versus 490 for Indemo.
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: Indemo or Nectaro?
Among P2P Dash investors, Nectaro currently shows the higher median net return (XIRR): 16.8% versus 5.7% (as of August 28, 2026). The middle 50% of portfolios earn 3.6% – 10.4% at Indemo and 14.7% – 20.4% at Nectaro.
Which has done better recently, Indemo or Nectaro?
Over the last 12 months Nectaro shows the higher median net return: 15.2% against 3.0%. All time the figures are 5.7% for Indemo and 16.8% for Nectaro (as of August 28, 2026).
Where do investors put new money right now, Indemo or Nectaro?
As of August 28, 2026, 45% of stated strategies at Indemo are “add funds” or “reinvest”, compared to 62% at Nectaro.
Do investors use Indemo and Nectaro at the same time?
253 investors on P2P Dash track both platforms. 52% of Indemo investors also have Nectaro in their portfolio.
How do I compare my own returns on Indemo and Nectaro?
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.