Portfolio update – May 2025

Summary

In May, I achieved monthly results above EUR 1,000 barrier. I made total deposits of over €4,500, broken down as follows:

1. Peerberry +€2,250, Thanks to this payout, the EUR 25,000 threshold was exceeded, taking us to the next loyalty level.
2. Esketit +€1 122
3. Income +€1,150
4. Viainvest +€1,000

As you can see, a new platform has appeared in the basket . I have been testing it for over 3 months. I managed to make a test withdrawal and recognize the platform mechanisms. I will write more about the decision itself below.

I invite you to a detailed analysis.

Portfolio history (last 12 months)

Portfolio summary

(***) Due to the lack of certainty of the exchange position, the ETF was excluded from the total profit.

Bitfinex Lending*

The position is out of luck for another month. The positions issued, even if they were redeemed, are only for a very short period. The annual interest rate is still unsatisfactory, i.e. significantly below 10%. The position requires further observation

Graph of all loans sold in the system from the last month:

Mintos (Euro €)*

This was the first month for which new fees were charged on automated strategies. The first fees on positions purchased in May will be charged in June. I will be monitoring their impact on the portfolio’s performance this year.

Conversely, it was a very quiet month and a small increase in debt items affected the monthly result. However, a return above 10% remains unaffected.

If you want to start your adventure with Mintos platform, please check out my review: Mintos Review (2024): 14.89% return after 3+ years

👉 Signing up using my invitation link, you will receive €50 for investing €1,000+ and a 1% bonus on the amount invested within the first 90 days.

Mintos (RUB ₽)*

As a reminder, the funds from this investment have been in the process of being paid out since the war in Ukraine began. Currently, Kviku is the last company to repay. In early June, Mintos announced that they had signed an agreement to sell a large proportion of the loans, with the condition that the terms would be updated in the event of geopolitical changes. The platform also informed users that a Russian court had issued a negative decision regarding Kviku’s receivables. It is not yet known whether Mintos will appeal.

News from other companies doing business in Russia or Ukraine has also generated additional optimism. Let’s start with Finko Ukraine. They have repaid 100% of the approximately €17 million. Dozarplati, a Russian company with €5 million in arrears, has also committed to paying €300,000 per month.

Robocash*

In addition to the logo change in Robocach, an important piece of news from one of the lenders, Digido Finance. The Philippine regulator (Philippine Financial Services Commission (SEC)) has revoked the company’s license to provide lending services. The decision is still not final, Digido is still operating and, more importantly, repayments are continuing normally.

Robocash clearly emphasizes that all obligations will be fulfilled and in case of doubt refers to the group guarantee.

Anyone who doesn’t feel confident with their Digido loans can simply sell them on the secondary market. I personally await developments in the group.

👉 If you don’t know how to start your adventure with Robocash. Feel free to check review and detailed description of my strategy: Robocash Review (2024): 12.65% return after 2 years

Esketit*

A stable month for Esketit, despite sudden cash outages, managing to maintain returns at 10% for the month.

👉 By registering using my invitation link , you will receive a 1% bonus on the amount invested within the first 30 days.

PeerBerry*

As planned, I managed to reach the next loyalty bonus threshold, i.e. EUR 25k . The bonus will be calculated for all existing and new loans from the beginning of June.

Income*

In line with the last entry, I made changes to the Income strategy in mid-May, thanks to which I should not complain about cash drag on the platform in the near future . This can already be seen in this summary, there has been a strong return to returns above 10%. The next month should exceed 11%.

In other news, Income has announced its round of funding on the SeedBlink platform, giving individual investors the opportunity to buy shares. The aim is to raise €627k at a valuation of €5.5m, with the money to be used to expand into Mexico and the Philippines, and importantly launch a secondary market .

👉 By registering using my invitation link , you will receive a 1% bonus on the amount invested within the first 30 days.

Debitum*

Triple Dragon’s problems of the past month are gone, the delays have been paid off. As a reward, Triple Dragon got a “reward” downgrade to D+ .

Nevertheless, throughout this entire period of delays, my Triple Dragon positions were not marked as delayed in my profile. This has left a bad taste in my mouth regarding the platform, which will affect my future decisions.

Viainvest*

It’s high time to unveil a new item in the portfolio . Viainvest is a regulated peer-to-peer (P2P) lending platform based in Latvia. It serves as an additional source of financing for loans offered by the Via SMS Group. The main advantages of this platform are:

• Regulated (since 2021 regulated by the Latvian Financial Supervision Authority)
• Items secured by group guarantee
• Returns from 11 to 13%
• On the market since 2016 (capital group since 2009)
• The platform has so far coped with every crisis without any major side effects.

Based on its history, it falls into my basket of stable companies . It is currently in the testing phase.

ETF

Position currently in the observation and waiting phase, with no plans for changes in the coming months.

(**) Due to the nature of the stock market, income should be understood as potential until the position is realized.