Nectaro Introduces Smart-Reinvest Tool: More Control and Optimized Returns

Nectaro is expanding its offerings and enhancing the investor experience with several new features. The focus is on a new „Smart-Reinvest“ tool for automatic capital reinvestment, more detailed information on the overview page, and a special „iPayTax“ account for Latvian investors. These innovations aim to maximize passive income and increase transparency for users.

Nectaro Smart-Reinvest: More Control for Investors

One of the most significant innovations is the introduction of the „Smart-Reinvest“ tool. This tool is aimed at investors who want to automatically reinvest their capital repayments to continuously generate returns. Unlike the existing „Auto-Invest“ tool, which is broader and invests in new loans, „Smart-Reinvest“ focuses on reinvesting within the same loan series from which an early repayment was made. This is particularly relevant as loans can often be repaid early, which can lead to a decrease in capital if repayments are not immediately reinvested.

The tool works by automatically reinvesting repaid capital amounts – even small amounts from €0.01 – into available loans within the same series. If no suitable investment is available within the series, the amount will be credited to the investor’s Nectaro account. Nectaro points out that many older loan series are already sold out, meaning that repayments in these cases will go directly to the investor’s account.

The advantages of the „Smart-Reinvest“ tool are clear: it enables passive income, as reinvestment is automated, and potentially maximizes overall returns through continuous capital investment. It also offers flexibility, as the tool can be deactivated at any time to facilitate the repayment of invested capital. It can be activated via the manual investment page or a dedicated „Smart-Reinvest“ page, which provides detailed information and configuration options.

Transparency on the „Overview“ Page

In addition to the „Smart-Reinvest“ tool, Nectaro has also revamped the „Overview“ page to give investors more insight and control over their investments. New fields have been added for:

• Pending Payments: Shows the sum of principal, interest, and rewards currently being credited, minus taxes.
• Interest (tax excluded): Shows net interest earnings, i.e., without considering taxes.
• Rewards (tax excluded): Similarly, rewards are now shown net.
• Taxes: Indicates the amount of taxes deducted from profits.
• Total Earnings: Represents net profits, calculated as interest plus rewards minus taxes.

These more detailed figures are intended to help investors better understand and manage their financial performance on the platform. The shift to net amounts for interest and rewards, separate from taxes, significantly increases transparency.

Handling Payment Delays

Another important aspect of the updates concerns the handling of delayed payments. Nectaro has refined the categorization of payment delays and now divides them into three stages:

You can find more background information on the platform in our Nectaro experiences.

• 1-15 days overdue
• 16-30 days overdue
• 31-61 days overdue

This categorization allows investors to more clearly identify the status of loans with payment arrears. Nectaro reminds investors that all investments are secured by a buyback obligation. Should a loan become more than 61 days overdue, the original lender will buy back the investment amount plus accrued interest. This regulation provides an important layer of security for investors.

The New iPayTax Account for Latvian Investors

For Latvian taxpayers, Nectaro is introducing a new „iPayTax“ account. This innovation makes Nectaro the first non-bank-like company in Latvia to offer such an investment account to its customers. The „iPayTax“ account is intended to simplify the tax processing of interest income. Nectaro plans to offer this solution to customers from other EU countries in the future.

Integration into Previous Developments and Own Experiences

The introduction of the „Smart-Reinvest“ tool and the updates to the „Overview“ page are significant developments on the Nectaro platform. They show that Nectaro is striving to continuously improve the investor experience and respond to user feedback. In my own experience report from March 2025, I already highlighted user-friendliness, attractive return opportunities, and regulation by the Latvian Central Bank as positive aspects. The already existing Auto-Invest function facilitated the building of a diversified portfolio. The new features build on these strengths and now offer even more tools to optimize investment strategy.

The introduction of „Smart-Reinvest“ is a logical addition that particularly benefits investors who want to refine their passive income strategy. The improved transparency on the overview page, especially the net display of interest and rewards and the detailed breakdown of payment delays, addresses the need for more clarity in portfolio management. This aligns with the general trend on P2P platforms to increase transparency and investor control.

The „iPayTax“ account is a specific but potentially very valuable innovation for Latvian investors, which can reduce tax complexity. It underscores Nectaro’s efforts to address local market needs and position the platform as an attractive option for various investor types.

The new features are a clear sign that Nectaro is evolving and trying to meet the demands of a modern P2P market. Especially the possibility to optimize passive income through automatic reinvestment is a strong argument for investors who want their capital to work efficiently.