Debitum 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 November 12, 2026
 Debitum |  Nectaro | |
|---|---|---|
| Community ranking 2026 | #8 of 29 | #6 of 29 |
| Median net return (XIRR) | 15.2% | 16.0% |
| Median cash drag | 2.0% | 1.2% |
| Investors on P2P Dash | 964 | 584 |
| Combined portfolio value | €6.57M | €4.58M |
| Interest earned all-time | €837K | €501K |
Platform facts
| Founded | 2018 | 2023 |
| Headquarters | 🇱🇻 Latvia | 🇱🇻 Latvia |
| 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
14.9%
Last 12 months · All time 15.2%
221 investors
Nectaro
15.3%
Last 12 months · All time 16.0%
116 investors
15.5%
23.0%
2024
14.5%
17.0%
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.
DebitumMiddle 50% of investors: 13.8% – 17.3%
Median net return (XIRR): 15.2%
NectaroMiddle 50% of investors: 14.3% – 18.5%
Median net return (XIRR): 16.0%
Debitum investors sit closer together: 3.6% between the 25th and 75th percentile, against 4.2%.
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
414 investors track both platforms.
43% of Debitum investors also track Nectaro.
71% of Nectaro investors also track Debitum.
What the data says
Measured by real portfolios on P2P Dash, Nectaro currently delivers the higher median net return: 16.0% versus 15.2% at Debitum.
Investor sentiment currently favors Nectaro: 60% of stated strategies are “add funds” or “reinvest”, versus 54% at Debitum.
Debitum is the bigger platform on P2P Dash, with 964 investors tracking it versus 584 for Nectaro.
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 Nectaro?
Among P2P Dash investors, Nectaro currently shows the higher median net return (XIRR): 16.0% versus 15.2% (as of November 12, 2026). The middle 50% of portfolios earn 13.8% – 17.3% at Debitum and 14.3% – 18.5% at Nectaro.
Where do investors put new money right now, Debitum or Nectaro?
As of November 12, 2026, 54% of stated strategies at Debitum are “add funds” or “reinvest”, compared to 60% at Nectaro.
Do investors use Debitum and Nectaro at the same time?
414 investors on P2P Dash track both platforms. 71% of Nectaro investors also have Debitum in their portfolio.
How do I compare my own returns on Debitum 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.
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
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.