📌 What’s changing?
To streamline operations and improve your user experience, we will be moving away from extremely frequent, small individual interest transactions.
New payout structure:
Interest and tax payments for personal loan–backed instruments will now be recognized once per week, every Wednesday, while business loan–backed instruments will be recognized once per month, on the 10th of each month.
All related calculations will be consolidated into fewer, structured transactions, instead of being processed almost daily.
This update will significantly reduce the number of micro-transactions generated on your account.
💡 Why this change?
Over time, we’ve observed that:
Data shows that daily incoming interest payments are overwhelmingly micro-transactions, with approximately 95% below €5 and 99% below €10.
These very small, frequent payments create unnecessary fragmentation.
The volume of micro-transactions puts technical strain on account statements, making them harder to read and occasionally causing delays or load issues.
By consolidating the payments, we ensure:
- Cleaner and more understandable account statements
- Smoother platform performance
- A more predictable payment flow
Importantly, your total interest earnings do not change. Only the timing and grouping of interest payments are being adjusted. The interest payments will be recognized either once a week (personal loans) or a month (business loans) and then processed into your accounts the same day or once the funds have been received by Nectaro.
📅 Implementation timeline
Starting from January 21st.
🧭 What does this mean for you?
No action is required from your side.
Your Terms and Conditions remain fully intact.
You will simply see fewer, consolidated interest and tax payments, while earning the same amount as before.
This update is fully aligned with your existing agreements and is introduced solely to improve operational efficiency and your overall user experience.
If you have any questions, our support team is always here to help at [email protected].
Thank you for your continued trust and for being part of our growing investor community.