February 2026

Mintos holds the top of the TopPulse index in February. Walliance enters at #28.

1. 00

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2. 01
   

   Mintos Reviewed by the TopPulse editorial team

   Riga, Latvia

   FCMC (Latvia)

   EUR 50
3. 02
   

   Maclear Reviewed by the TopPulse editorial team

   Zurich, Switzerland

   SRO PolyReg (Switzerland)

   EUR 50
4. 03
   

   PeerBerry Reviewed by the TopPulse editorial team

   Zagreb, Croatia

   Licensed (Croatia)

   EUR 10
5. 04
   

   8lends Reviewed by the TopPulse editorial team

   Zurich, Switzerland

   SRO VQF (Switzerland)

   EUR 10
6. 05
   

   EstateGuru Reviewed by the TopPulse editorial team

   Tallinn, Estonia

   ECSP (Estonia)

   EUR 50
7. 06
   

   Robocash Reviewed by the TopPulse editorial team

   Zagreb, Croatia

   Registered (Croatia)

   EUR 10
8. 07
   

   Indemo Reviewed by the TopPulse editorial team

   Riga, Latvia

   Investment firm license (Latvia)

   EUR 10
9. 08
   

   Twino Reviewed by the TopPulse editorial team

   Riga, Latvia

   ECSP / Investment firm license (Latvia)

   EUR 10
10. 09
    

    Nectaro Reviewed by the TopPulse editorial team

    Riga, Latvia

    ECSP (Latvia)

    EUR 10
11. 10
    

    Lendermarket Reviewed by the TopPulse editorial team

    Dublin, Ireland

    Ireland-registered

    EUR 10
12. 11
    

    InRento Reviewed by the TopPulse editorial team

    Vilnius, Lithuania

    Bank of Lithuania

    EUR 500
13. 12
    

    Urbanitae Reviewed by the TopPulse editorial team

    Madrid, Spain

    CNMV (Spain)

    EUR 500
14. 13
    

    HeavyFinance Reviewed by the TopPulse editorial team

    Vilnius, Lithuania

    Bank of Lithuania

    EUR 100
15. 14
    

    EvenFi Reviewed by the TopPulse editorial team

    Barcelona, Spain (licensed entity) / Bergamo, Italy (operating parent)

    CNMV (Spain) - ECSP authorisation, register no. 5

    EUR 20
16. 15
    

    Afranga Reviewed by the TopPulse editorial team

    Sofia, Bulgaria

    FSC Bulgaria (ECSP)

    €10 per loan
17. 16
    

    Capitalia Reviewed by the TopPulse editorial team

    Riga, Latvia

    Latvijas Banka (ECSP)

    €200
18. 17
    

    Civislend Reviewed by the TopPulse editorial team

    Madrid, Spain

    CNMV (ECSP no. 8)

    €250
19. 18
    

    Ener2Crowd Reviewed by the TopPulse editorial team

    Milan, Italy

    Consob (ECSP, delibera 22877)

    From €300
20. 19
    

    GoParity Reviewed by the TopPulse editorial team

    Lisbon, Portugal

    CMVM (ECSP)

    EUR 20
21. 20
    

    Housers Reviewed by the TopPulse editorial team

    Madrid, Spain

    CNMV (ECSP no. 13)

    EUR 300 per project
22. 21
    

    InSoil Reviewed by the TopPulse editorial team

    Vilnius, Lithuania

    Bank of Lithuania (ECSP)

    EUR 100
23. 22
    

    Lande Reviewed by the TopPulse editorial team

    Riga, Latvia

    Latvijas Banka (ECSP)

    EUR 50
24. 23
    

    Profitus Reviewed by the TopPulse editorial team

    Vilnius, Lithuania

    Bank of Lithuania (ECSP)

    EUR 100
25. 24
    

    Raize Reviewed by the TopPulse editorial team

    Lisbon, Portugal

    CMVM (ECSP)

    EUR 20
26. 25
    R

    Re-Lender Reviewed by the TopPulse editorial team

    Potenza, Italy; offices Milan and Madrid

    Consob (ECSP, in liquidation)

    EUR 50
27. 26
    

    Recrowd Reviewed by the TopPulse editorial team

    Milan, Italy

    Consob (ECSP, suspended)

    EUR 250
28. 27
    

    Trusters Reviewed by the TopPulse editorial team

    Milan, Italy

    Consob (ECSP, delibera 22918)

    EUR 250
29. 28
    

    Walliance Reviewed by the TopPulse editorial team

    Trento, Italy, with an office in Milan

    Consob (ECSP, delibera 22878)

    EUR 500
30. 29
    

    ClubFunding Reviewed by the TopPulse editorial team

    Paris, France

    AMF (PSFP)

    EUR 1,000

Under review

On our radar but not ranked this month. We are monitoring these and may include them as conditions change.

• Crowdpear Under editorial watch - limited track record
• Debitum Network Under editorial watch - insider margin concerns
• Hive5 Under editorial watch - loan originator risk
• Loanch Under editorial watch - management transparency concerns
• Reinvest24 Under editorial watch - multiple regulatory alerts