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How it works
Realistic, risk-adjusted returns
We are a platform where claim rights can be purchased
Esketit is a P2P platform where users from across Europe are given the to purchase claim rights, consisting of the principal loan amount and interest, arising from loan agreements concluded between our partners – lenders, who are authorized to do so in their country of residence, and borrowers.
Esketit operates and manages a platform, connecting Esketit users with lenders. The minimum purchase amount is as little as 10€.
How to start
Register as a user
Becoming an Esketit user is easy and is entirely online. Anyone who is at least 18 years old and possesses a bank account opened with an eligible credit institution operating in the European Union is eligible to register. The minimum purchase amount is as little as 10€, so don’t worry if you don’t have large sums for it.
To verify your identity, you need a camera on your computer or phone, as well as a valid identity document. The identity verification process is completed online by using a special interface.
Register
To start using Esketit, you should register by filling in the registration application
Add funds to your user profile
Become an active user by adding funds to your user profile
Select and buy claim rights
Make your first purchase by manually selecting the claim rights you want to add to your portfolio or by setting the parameters, limits, and settings and enabling the Auto Purchase on your user profile
Track the growth
View your user profile daily to track the status of your claims, portfolio, and returns
Receive repayments
You will receive returns from the claim rights and they will be accessible in your user profile as soon as the borrower’s repayment is received by the lender
Esketit features at a glance
The process of purchasing claim rights on Esketit is simple and straightforward, thanks to all the functions and features available on our platform
Secondary market
The secondary market provides an opportunity to offer claim rights for sale before their maturity. Esketit does not charge a fee for using the secondary market, making it a useful option if you need a quick exit.
Auto-Purchase
The auto-purchase feature enables you to buy claim rights automatically, saving you valuable time. Simply set your preferred parameters, limits, and settings that align with your goals and risk appetite, then activate auto-purchase in your user profile. Once enabled, auto-purchase will execute transactions on your behalf as soon as matching claim rights become available on Esketit.
Group guarantee
For claim rights offered for sale by AvaFin Group (formerly known as Creamfinance Group), a Group Guarantee is in place. This means that if a lender is unable to fulfill its buyback obligation to assignees, AvaFin Holding will step in to meet the buyback obligation. Whether the Group Guarantee applies to a particular claim rights offer will be specified on Esketit.
Buyback obligation
Most lenders provide a guarantee in the form of a buyback obligation. This means that the lender is required to buy back (redeem) the user’s claim rights against the defaulted borrower if the borrower’s repayment has been delayed for more than 60 calendar days or as specified in the assignment agreement. Whether a buyback obligation applies to a particular claim rights offer will be specified on Esketit.