Jean Galea

TL;DR: Germany has one of the friendliest crypto tax rules in Europe: hold a coin for more than one year and the gain is completely tax-free.

Nectaro and ViaInvest are the closest match-up in this comparison series.

TL;DR: In France, occasional crypto investors pay a flat tax of 30% on gains (with social charges rising, pushing the headline rate toward 31.4%, so check the current figure).

This is part of an ongoing series I am writing as I work my way through the modern web stack from a WordPress developer’s perspective.

Afranga has built a strong case for itself: ECSP regulation, returns around 13.9%, a zero-default record, and a growing six-originator marketplace.

Nectaro has quickly become one of the most compelling newcomers in European P2P.

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Afranga and PeerBerry both live in the high-yield consumer-loan corner of European P2P, and both rest heavily on a single lending group.

TL;DR: In the UK, crypto gains are subject to Capital Gains Tax at 18% (basic rate) or 24% (higher rate) after a £3,000 annual exempt amount.

Nectaro and PeerBerry are two of the most appealing consumer-loan platforms in Europe, and they’re easy to confuse on paper: both Latvian, both fee-free, both with 60-day buyback guarantees, neither with a secondary market.