Your Feedback in Action: Simplified Rules, Real-Time Tracking

We are thrilled to introduce a major update to our platform: Accrued Income, which you can now track in your account interface. After listening carefully to the feedback and requests of our valued investors, we’ve made the conditions simpler and clearer. The information on the website is now more accessible and detailed, reflecting your input. We've also tested all the improvements with a selected group of investors and waited until every concern was addressed before finalizing the changes.

Previously, you could only see your earnings on payout day, with no insight into how much income you've earned over time. Now, you can easily view your accrued earnings - income that’s built up but not yet paid out - directly from your account interface.

What is "Accrued Value"?

This is the current amount of flat fee income accumulated since the beginning of your 6-month loan period. For Group A investors, earnings are accrued monthly, while for Group B investors, earnings are accrued and paid in the 6th month. This new feature gives you more control and transparency over your investments.

How to Track Your Accrued Income

1. Log in to your account and navigate to the Loans section.

2. Select the investment round you're interested in and click on it.

3. In the drop-down window, scroll down until you see the Earnings Schedule table. This table shows your current earnings for the selected round, along with a graph that visualizes your earnings over time.

See the example screenshot below.

Updates to the Investment Return Rule

We're also pleased to announce a significant improvement to our investment return structure for Group A. Previously, investors had to invest €100 each month over the 6-month period to receive a 1% return instead of 0.75%. If you didn't meet this requirement in just one of those months, you would lose the 1% for all the previous months. This rule now applies on a monthly basis. For example, if you miss the €100 threshold in just one month, you'll still earn 1% for the other five months and 0.75% for the one month you missed - no more losing out across the board.

Bonus for Larger Investors

As a special perk, investors who maintain a balance of €10,000 in active loans will automatically qualify for the 1% return rule for the entire term, as long as this balance is maintained. However, if your balance falls below €10,000, you'll need to top up your account and invest at least €100 per month to keep the 1% rate. Otherwise, the return for that month will revert to the base income rate of 0.75%.

It's important to note that this €10,000 balance rule applies to both Group A and Group B investors but only affects Group A returns. For example, if you have €5,000 in Group A loans and €5,000 in Group B loans, the total balance will qualify you for the automatic 1% return. However, this increased income only applies to your loans in Group A. Loans in Group B follow the normal accrual process, with income paid in the 6th month.

With these updates, we're making investing easier and more transparent. Keep growing your portfolio and enjoy more flexibility and visibility into your returns!

Happy investing!