Digilo

Latvia · Imobiliário · Fundada 2026

A nossa nota

4,6

Retorno médio

12,0%

máximo anunciado

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

Regulação: ECSPR licence 27-10/2025/222 (Latvijas Banka, issued 16 Sep 2025)

3 % de cashback sobre o que investir nos primeiros 60 dias

Abrir uma conta na Digilo 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

Digilo is a licensed platform with a sensible structure at a scale far too small to judge. Its operator, CSP Growth Solutions SIA, holds a real ECSP licence from Latvijas Banka, every loan must be secured on property with an independent appraisal, client money is held at Lemonway, investors pay no fees, and a statistics page is refreshed hourly. But since launching in April 2026 it has funded five projects, EUR 108,946 in total, and paid EUR 714 of interest (21 September 2026), so nothing yet shows how it handles a default. Part of the early book refinances loans from its own group's lender, and the company holding investors' security, CSP Assets SIA, belongs to the same group — the structure is the reason to look, the related parties are the reason to keep it small.

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

O que funciona

ECSP licence No. 27-10/2025/222 from Latvijas Banka, dated 16 September 2025 and confirmed on the public register
Every loan must be secured on real estate with an independent appraisal; the loan in funding on 21 September 2026 showed a 37% LTV
No investor fees under the terms, and client money is held at Lemonway rather than by Digilo
Funded volume, projects, investors, interest paid and defaults are published and refreshed hourly

O que não funciona

Related parties on both sides: some loans refinance the group's own lending, and the collateral agent is a group company rather than an independent trustee
No history: five loans since June 2026 and EUR 714 of interest paid, and an independent reviewer reports one project in arrears while the statistics page shows no defaults
No secondary market and no early exit, with loan terms of 12–36 months
The group's Latvijas Hipotēka business was fined EUR 50,000 by Latvia's consumer authority PTAC in 2019 over a reverse-lease product for consumers in distress

Para quem é

Investors who want to follow a new, licensed property-lending platform with a small amount they can leave for three years, in loans whose LTV and ownership history they have checked.

Como se decompõe a nota

Como esta pontuação é calculada

Regulação30%7.5/10

Historial25%2.0/10

Transparência15%3.6/10

Liquidez15%3.0/10

Diversificação10%4.5/10

Rendimento plausível5%7.7/10

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: digilo.co · 19 de set. de 2026 · Advertised range 9-12%. Digilo's own statistics page reports a realised average of 10.86% — across five projects and EUR 109k funded, which is too small a sample to publish as an average.