Asterra Estate

Estonia · Real estate · Founded 2025

Our score

2.9

Average return

15.49%

platform average

Provisional — the platform is under two years old and has no meaningful track record yet.

Regulation: No licence. Asterra's own risk page states the loans are not overseen by any financial supervisory authority

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Our verdict

Asterra Estate funds one residential development, Asteres Village in Ādaži, Latvia, controlled by the platform's own owner, Edgars Putnis. The project is visibly being built, Industra Bank agreed in April 2026 to refinance finished homes, and Asterra says the owner has put EUR 1.4 million of his own money in. But the Estonian company you lend to has EUR 10 of share capital, reported a EUR 312,036 loss for 2025 in a late, unaudited filing, and changed its loan terms in May–June 2026 to add qualified subordination: lenders are paid only after all ordinary creditors, and nothing if assets fall short. It runs on the same White Label Solution software as Ventus Energy, which BaFin ordered in May 2026 to wind down unauthorised deposit business.

Read our full Asterra Estate reviewRegulation, returns, fees, risks and our verdict — in depth.

What works

Asterra says the owner has put over EUR 1.4 million into land and development and contributes at least 10% equity to each project
A visible, progressing project: stage 1 infrastructure is complete and 11 homes are built
Industra Bank's April 2026 refinancing agreement brings outside money that repays or moves lenders when homes are finished
Monthly performance reports, and a risk statement that says plainly that lenders may receive nothing and bear the risk of total loss

What doesn't

Since the May–June 2026 change your claim is subordinated: paid only if the borrower's assets exceed all non-subordinated liabilities, and treated as economic equity
No licence, no supervision and no compensation scheme; the contracting company has EUR 10 of share capital and lost EUR 312,036 in 2025
One project and one owner who controls the platform, the borrower and the entity said to hold the collateral — no diversification of any kind
No secondary market, early exit depends on new lenders funding the same project, and rates, minimum and loan-to-value are visible only after login

Who this is for

Only for investors who have checked Asteres Village themselves, accept subordinated terms with a EUR 10 company, and keep a position small enough to lose in full.

How the score breaks down

How this score is calculated

Regulation30%2.5/10

Track record25%3.4/10

Transparency15%2.0/10

Liquidity15%3.0/10

Diversification10%3.5/10

Yield sanity5%3.6/10

Each dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.

Figure taken from: asterra.estate · Sep 21, 2026 · 15.49% average interest rate reported in Asterra's August 2026 operations overview. A contracted rate, not a return after losses.