Fagura
Border fintech between Moldova and Romania, PSFP approved, offering P2P and P2B loans with internal scoring and high granularity.
Crowdscope score
Volume
20 M€
Investors
6k
2nd market
Yes
Auto-invest
Yes
Avg. duration
24 months
Default rate
4.5%
Score breakdown
Each criterion rated from 0 to 10 then weighted.
About Fagura
Overview of the platform, its framework and risk profile.
Born from a bold vision in 2019, Fagura takes its name from an organic metaphor: that of the beehive and its honeycomb (Fagure in Romanian). Established between Moldova and Romania, this platform embodies the vitality of a "border Fintech." It doesn't just lend; it cultivates a financial garden where individual savings irrigate the life projects and micro-enterprises of a rapidly changing region. Now operating under the protective framework of the European PSFP regulation, Fagura has transformed its local roots into a robust marketplace, capable of attracting Western investors with its transparency and modernity.
The Risk Profile: The Science of Scoring and Granularity
Fagura's approach to risk is akin to "algorithmic lace." Here, risk is not an inevitability, but a scrupulously dissected variable. The platform has developed its own scoring system based on machine learning, classifying borrowers into categories from A to G.
This risk profile is inherently diversified: the investor does not finance a monolithic project, but a multitude of micro-credits. The risk is therefore granular. While the platform does not offer a systematic buyback guarantee, it favors a "real return" strategy: interest rates, often generous, are calculated to statistically absorb the cost of default risk. This is the typical profile of a conviction investment, where performance is the result of rigorous mathematics applied to the real economy.
The Investment Philosophy
Investing in Fagura means adopting the stance of a "proximity patron." The platform is aimed at those who seek to give meaning to their returns, by supporting individuals and entrepreneurs whose needs do not always find an echo in the traditional banking system. In this universe, technology fades behind the human: the interface, of exemplary clarity, allows one to follow the impact of each euro invested. It is an invitation to participate in a more horizontal finance, where the beehive benefits from collective effort to generate shared value.
The Technical Essence
- Origin: 2019 (Chișinău / Bucharest).
- Authorization: Crowdfunding Service Provider (EU Regulation).
- Asset type: Loans to individuals (P2P) and small businesses (P2B).
- Risk Structure: Established on a multi-criteria internal scoring. Absence of Buyback compensated by high interest rates and strong granularity.
- Vision: To become the next-generation "digital bank" for Southeast Europe.
Current Climate & Sentiment
Our reading of the community climate and trust around the platform.
The Atmosphere: A "Human-Sized Fintech"
In May 2026, the atmosphere around Fagura is marked by a rare proximity in the often-cold world of P2P. The climate is one of a close-knit community where dialogue between management and investors is constant. One does not invest here against an opaque algorithm, but within a financial hive where every update is explained and every success shared.
Investor Sentiment: Trust and Fluidity
The dominant sentiment is one of "active serenity." Users praise an interface they find "clear" and "intuitive," reducing the emotional friction associated with risk. Although the platform requires more careful risk management (due to the absence of Buyback), the overall feeling is one of total control. One does not suffer from the investment, one manages it with customer support that still responds with a human voice, a luxury investors consistently highlight.
Summary Note: The latest Trustpilot reviews confirm this trend with a rating of 4.7/5, particularly emphasizing the quality of customer support and the ease of use of the tool, placing Fagura among the leaders in terms of customer satisfaction in the P2P sector in Southeast Europe.
Crowdscope editorial analysis · August 2026. Synthesis of observed community discussions, not sponsored.
Guarantees
- Fonds de provision
- Recouvrement
Conditions
- Minimum ticket
- 10 €
- Indicative yield
- 12%
- Average duration
- 24 months
- Status
- CNPF Moldova
Warning
Investing carries a risk of partial or total capital loss. Displayed yields are indicative and not guaranteed.
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Compare Fagura with similar platforms
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Fagura — frequently asked questions
Is Fagura a safe crowdlending platform?
Fagura scores 69/100 in the Crowdscope framework. It operates from Moldova since 2019, under the CNPF Moldova status, with a reported default rate of 4.5%. Loans are backed by: Fonds de provision, Recouvrement. No crowdlending platform is risk-free: capital is at risk and past performance does not predict future returns.
What return can you expect on Fagura?
The indicative yield advertised on Fagura is around 12% per year, before defaults, recovery delays and cash drag. The net return observed by investors is usually lower.
Does Fagura have a secondary market?
Yes, Fagura operates a secondary market, so positions can be listed for sale before maturity. Actual liquidity still depends on buyer demand and may require a discount.
What is the minimum investment on Fagura?
The minimum investment per loan on Fagura is 10 EUR, with an average duration of 24 months.
Is Fagura regulated?
Fagura operates under the CNPF Moldova regime. ECSP means the platform holds the European Crowdfunding Service Provider licence supervised by a national regulator; other statuses indicate a national regime or the absence of a dedicated crowdfunding licence.
Last updated: · Reviewed by the Crowdscope editorial team