Nectaro vs Swaper
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 6, 2026
 Nectaro |  Swaper | |
|---|---|---|
| Community ranking 2026 | #4 of 27 | #22 of 27 |
| Median net return (XIRR) | 16.7% | 13.3% |
| Median cash drag | 1.3% | 6.9% |
| Investors on P2P Dash | 472 | 305 |
| Combined portfolio value | €3.94M | €2.53M |
| Interest earned all-time | €372K | €477K |
Platform facts
| Founded | 2023 | 2019 |
| Headquarters | 🇱🇻 Latvia | 🇪🇪 Estonia |
| Regulated | Yes | No |
| Buyback Guarantee | Yes | Yes |
| Secondary Market | No | Yes |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
Nectaro
15.3%
Last 12 months · All time 16.7%
67 investors
Swaper
13.5%
Last 12 months · All time 13.3%
67 investors
23.0%
13.4%
2024
17.0%
12.9%
2025
14.6%
14.7%
2026
Nectaro came out ahead in 2 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.
Nectaro Middle 50% of investors: 14.7% – 20.2%
Median net return (XIRR): 16.7%
Swaper Middle 50% of investors: 12.4% – 14.0%
Median net return (XIRR): 13.3%
Swaper investors sit closer together: 1.6% between the 25th and 75th percentile, against 5.5%.
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
149 investors track both platforms.
32% of Nectaro investors also track Swaper.
49% of Swaper investors also track Nectaro.
What the data says
Measured by real portfolios on P2P Dash, Nectaro currently delivers the higher median net return: 16.7% versus 13.3% at Swaper.
Investor sentiment currently favors Nectaro: 61% of stated strategies are “add funds” or “reinvest”, versus 37% at Swaper.
Nectaro is the bigger platform on P2P Dash, with 472 investors tracking it versus 305 for Swaper.
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: Nectaro or Swaper?
Among P2P Dash investors, Nectaro currently shows the higher median net return (XIRR): 16.7% versus 13.3% (as of August 6, 2026). The middle 50% of portfolios earn 14.7% – 20.2% at Nectaro and 12.4% – 14.0% at Swaper.
Which has done better recently, Nectaro or Swaper?
Over the last 12 months Nectaro shows the higher median net return: 15.3% against 13.5%. All time the figures are 16.7% for Nectaro and 13.3% for Swaper (as of August 6, 2026).
Where do investors put new money right now, Nectaro or Swaper?
As of August 6, 2026, 61% of stated strategies at Nectaro are “add funds” or “reinvest”, compared to 37% at Swaper.
Do investors use Nectaro and Swaper at the same time?
149 investors on P2P Dash track both platforms. 49% of Swaper investors also have Nectaro in their portfolio.
How do I compare my own returns on Nectaro 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.
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.