7Harvests

Switzerland · Empresas · Fundada 2026

A nossa nota

2,6

Retorno médio

15,0%

taxa-alvo, não garantida

Provisória — a plataforma tem menos de dois anos e ainda não tem historial significativo.

Regulação: No licence. The terms state the company is not supervised by the Swiss financial market authority; a self-regulatory anti-money-laundering membership is reported as applied for, not granted

€ 21 de bónus inicial, em 3 etapas de € 7

Abrir uma conta na 7Harvests Ler a análise completa Ver as condições do bónus

Link de parceria — podemos receber uma comissão, sem custo adicional para si. Não afecta a nota acima.

O nosso veredicto

7 Harvests AG, a Zug company that launched its platform in May 2026, has one publicly announced loan: a EUR 250,000 raise for the Lithuanian brewery Bear and Boar, published on 29 May 2026. Its marketing says 'Swiss regulated', but its own terms state it is not directly supervised by FINMA, that investor money is not covered by Swiss deposit insurance and that investor funds are not privileged if it goes bankrupt. The second layer of the buyback is 7 Harvests' own promise, no separate originator is named for the public loan, and the pre-launch accounts reviewed by bePartner AG showed CHF 12,305 of equity and a CHF 87,695 loss. There is no statistics page, no repayment history and no working secondary market, so there is nothing yet to assess.

Ler a nossa análise completa da 7HarvestsRegulação, rendimentos, comissões, riscos e o nosso veredicto, em detalhe (em inglês).

O que funciona

A traceable Swiss company: 7 Harvests AG is in the Zug commercial register with a named board and CHF 100,000 share capital, not an anonymous offshore vehicle
A named external auditor, bePartner AG, whose report the platform publishes, capital-loss note included
EUR 50 minimum and no deposit, investment or withdrawal fees for investors
The terms state client money is held apart from the company's operating account, and the first loan's write-up states its security and execution risk plainly

O que não funciona

The 'Swiss regulated' marketing contradicts the terms, which say 7 Harvests is not directly supervised by FINMA and investor funds are neither insured nor privileged in its bankruptcy
No track record: launched May 2026, one public loan, no maturities reached and the statistics page returns a 404
The second-layer buyback is 7 Harvests' own promise and only as strong as a company that reported CHF 12,305 of equity and a CHF 87,695 loss before launch, with its auditor noting a capital loss
A secondary market exists on paper only, so invested money is locked until the project closes

Para quem é

Nobody yet: the terms limit it to Swiss residents, and even they should wait for a statistics page, several unrelated borrowers and a year of repayments.

Como se decompõe a nota

Como esta pontuação é calculada

Regulação30%2.5/10

Historial25%2.0/10

Transparência15%2.0/10

Liquidez15%3.0/10

Diversificação10%3.5/10

Rendimento plausível5%4.2/10

Cada dimensão é pontuada de 0 a 10 a partir de dados documentados, depois multiplicada pelo seu peso e somada. Só se arredonda no fim.

Número retirado de: 7harvests.ch · 19 de set. de 2026 · A target, not a realised figure: no portfolio statistics exist. The homepage says 'from 15%' while the FAQ says 'up to 15%', and the statistics page the FAQ points to returns a 404.

Esta plataforma bloqueou a nossa verificação automática, por isso este número vem da leitura anterior e não foi confirmado hoje.