Modena
Modena is an Estonian consumer lending and Buy Now, Pay Later (BNPL) platform founded in 2019 and headquartered in Tallinn. The platform operates under supervision of the Estonian Financial Supervisory Authority and holds a European payment institution license. Investors can purchase consumer loan and BNPL claims through vault options. The platform features a buyback guarantee for loans overdue 35-90 days.
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Modena in real numbers
Anonymized statistics from all Modena portfolios tracked on P2P Dash — real investor data, not the platform's marketing numbers.
Median net return (XIRR)
11.4%
Based on 28 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 71 stated strategies
Combined portfolio value
€796,890
Investors on P2P Dash
264
Interest earned all-time
€31,884
Median cash drag
0.0%
Share of funds sitting uninvested
Important Notes
- Use the cashflow export
Compare Modena head-to-head
Frequently asked questions about Modena
Answers based on anonymized community data from P2P Dash investors.
What is Modena?
Modena is a peer-to-peer lending platform, founded in 2019 (headquarters: Estonia). On P2P Dash, investors import their Modena account statements to track the real net return they earn there.
What return do investors actually earn with Modena?
Across 28 Modena portfolios tracked on P2P Dash, the median net return (XIRR) is 11.4%. The middle 50% of investors earn between 9.7% and 13.3% (as of July 15, 2026).
How many investors track Modena on P2P Dash?
264 investors track their Modena portfolios on P2P Dash, with a combined portfolio value of €796,890 and €31,884 in interest earned all-time.
How does Modena rank among P2P platforms?
Modena ranks 10 of 34 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Modena?
Of 71 stated strategies for Modena, 62% plan to add funds or reinvest, 17% intend to hold, and 21% plan to reduce or exit (as of July 15, 2026).
Is Modena regulated?
Yes, Modena is a regulated platform supervised by Estn. FSA.
Does Modena offer a buyback guarantee?
Yes, Modena offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Modena portfolio?
Export your transaction history from Modena (csv) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more — across all your P2P platforms in one dashboard.