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 August 3, 2026
 Debitum |  Modena | |
|---|---|---|
| Community ranking 2026 | #7 of 34 | #8 of 34 |
| Median net return (XIRR) | 15.2% | 11.0% |
| Median cash drag | 2.2% | 0.0% |
| Investors on P2P Dash | 795 | 275 |
| Combined portfolio value | €5.12M | €945K |
| Interest earned all-time | €589K | €34.8K |
Platform facts
| Founded | 2018 | 2019 |
| Headquarters | 🇱🇻 Latvia | 🇪🇪 Estonia |
| Regulated | Yes | Yes |
| Buyback Guarantee | Yes | 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.
Debitum
14.8%
Last 12 months · All time 15.2%
135 investors
Modena
9.4%
Last 12 months · All time 11.0%
15 investors
14.5%
12.6%
2025
14.6%
12.3%
2026
Debitum came out ahead in 2 of the 2 years both platforms have data for.
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
194 investors track both platforms.
24% of Debitum investors also track Modena.
71% of Modena investors also track Debitum.
What the data says
Measured by real portfolios on P2P Dash, Debitum currently delivers the higher median net return: 15.2% versus 11.0% at Modena.
Investor sentiment currently favors Modena: 62% of stated strategies are “add funds” or “reinvest”, versus 58% at Debitum.
Debitum is the bigger platform on P2P Dash, with 795 investors tracking it versus 275 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): 15.2% versus 11.0% (as of August 3, 2026). The middle 50% of portfolios earn 13.7% – 17.3% at Debitum and 9.6% – 13.2% at Modena.
Which has done better recently, Debitum or Modena?
Over the last 12 months Debitum shows the higher median net return: 14.8% against 9.4%. All time the figures are 15.2% for Debitum and 11.0% for Modena (as of August 3, 2026).
Where do investors put new money right now, Debitum or Modena?
As of August 3, 2026, 58% of stated strategies at Debitum are “add funds” or “reinvest”, compared to 62% at Modena.
Do investors use Debitum and Modena at the same time?
194 investors on P2P Dash track both platforms. 71% of Modena investors also have Debitum in their portfolio.
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.