Monefit vs Swaper
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
 Monefit |  Swaper | |
|---|---|---|
| Community ranking 2026 | #3 of 34 | #27 of 34 |
| Median net return (XIRR) | 8.5% | 13.3% |
| Median cash drag | 0.0% | 6.9% |
| Investors on P2P Dash | 841 | 304 |
| Combined portfolio value | €8.03M | €2.48M |
| Interest earned all-time | €503K | €462K |
Platform facts
| Founded | 2022 | 2019 |
| Headquarters | 🇪🇪 Estonia | 🇪🇪 Estonia |
| Regulated | Yes | No |
| Buyback Guarantee | No | Yes |
| Secondary Market | No | Yes |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
Monefit
8.7%
Last 12 months · All time 8.5%
101 investors
Swaper
13.5%
Last 12 months · All time 13.3%
64 investors
9.7%
13.3%
2023
7.7%
13.4%
2024
8.3%
12.8%
2025
9.0%
14.7%
2026
Swaper came out ahead in 4 of the 4 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
169 investors track both platforms.
20% of Monefit investors also track Swaper.
56% of Swaper investors also track Monefit.
What the data says
Measured by real portfolios on P2P Dash, Swaper currently delivers the higher median net return: 13.3% versus 8.5% at Monefit.
Investor sentiment currently favors Monefit: 69% of stated strategies are “add funds” or “reinvest”, versus 38% at Swaper.
Monefit is the bigger platform on P2P Dash, with 841 investors tracking it versus 304 for Swaper.
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: Monefit or Swaper?
Among P2P Dash investors, Swaper currently shows the higher median net return (XIRR): 13.3% versus 8.5% (as of August 3, 2026). The middle 50% of portfolios earn 7.4% – 9.5% at Monefit and 12.3% – 14.0% at Swaper.
Which has done better recently, Monefit or Swaper?
Over the last 12 months Swaper shows the higher median net return: 13.5% against 8.7%. All time the figures are 8.5% for Monefit and 13.3% for Swaper (as of August 3, 2026).
Where do investors put new money right now, Monefit or Swaper?
As of August 3, 2026, 69% of stated strategies at Monefit are “add funds” or “reinvest”, compared to 38% at Swaper.
Do investors use Monefit and Swaper at the same time?
169 investors on P2P Dash track both platforms. 56% of Swaper investors also have Monefit in their portfolio.
How do I compare my own returns on Monefit and Swaper?
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.