Loanch 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
 Loanch |  Modena | |
|---|---|---|
| Community ranking 2026 | #9 of 34 | #8 of 34 |
| Median net return (XIRR) | 15.7% | 11.0% |
| Median cash drag | 1.1% | 0.0% |
| Investors on P2P Dash | 304 | 275 |
| Combined portfolio value | €1.66M | €945K |
| Interest earned all-time | €154K | €34.8K |
Platform facts
| Founded | 2022 | 2019 |
| Headquarters | 🇭🇷 Croatia | 🇪🇪 Estonia |
| Regulated | No | 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.
Loanch
15.7%
Last 12 months · All time 15.7%
31 investors
Modena
9.4%
Last 12 months · All time 11.0%
15 investors
15.5%
12.6%
2025
16.2%
12.3%
2026
Loanch 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
85 investors track both platforms.
28% of Loanch investors also track Modena.
31% of Modena investors also track Loanch.
What the data says
Measured by real portfolios on P2P Dash, Loanch currently delivers the higher median net return: 15.7% versus 11.0% at Modena.
Investor sentiment currently favors Modena: 62% of stated strategies are “add funds” or “reinvest”, versus 56% at Loanch.
Loanch is the bigger platform on P2P Dash, with 304 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: Loanch or Modena?
Among P2P Dash investors, Loanch currently shows the higher median net return (XIRR): 15.7% versus 11.0% (as of August 3, 2026). The middle 50% of portfolios earn 14.2% – 17.9% at Loanch and 9.6% – 13.2% at Modena.
Which has done better recently, Loanch or Modena?
Over the last 12 months Loanch shows the higher median net return: 15.7% against 9.4%. All time the figures are 15.7% for Loanch and 11.0% for Modena (as of August 3, 2026).
Where do investors put new money right now, Loanch or Modena?
As of August 3, 2026, 56% of stated strategies at Loanch are “add funds” or “reinvest”, compared to 62% at Modena.
Do investors use Loanch and Modena at the same time?
85 investors on P2P Dash track both platforms. 31% of Modena investors also have Loanch in their portfolio.
How do I compare my own returns on Loanch 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.