{"id":2372,"date":"2026-02-24T12:55:59","date_gmt":"2026-02-24T11:55:59","guid":{"rendered":"https:\/\/p2phero.de\/?p=2372"},"modified":"2026-02-24T12:55:59","modified_gmt":"2026-02-24T11:55:59","slug":"experiencias-con-monifit-smartsaver-despues-de-25-anos","status":"publish","type":"post","link":"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/","title":{"rendered":"Rese\u00f1as de Monifit SmartSaver despu\u00e9s de 2 a\u00f1os y medio"},"content":{"rendered":"<p data-start=\"466\" data-end=\"748\">Como alguien que ahora invierte en 24 plataformas P2P y ha estado activo en el espacio peer-to-peer durante varios a\u00f1os, he visto muchos modelos ir y venir. Algunas plataformas comienzan fuerte y luego desaparecen. Otras se desarrollan lenta pero constantemente.<\/p>\n<p data-start=\"750\" data-end=\"1023\">Monifit SmartSaver es una de las plataformas que he probado realmente durante un per\u00edodo prolongado. Mi inicio fue en 2023, hace dos a\u00f1os y medio. Y en ese momento no empec\u00e9 con una peque\u00f1a cantidad de prueba, sino con un total de 15.000 euros.<\/p>\n<p data-start=\"1025\" data-end=\"1101\">Hoy quiero compartir honestamente c\u00f3mo se desarroll\u00f3 esta decisi\u00f3n.<\/p>\n<hr data-start=\"1103\" data-end=\"1106\" \/>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Alternar tabla de contenidos\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Alternar<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Mein_Einstieg_%E2%80%93_15000_Euro_relativ_fruh_investiert\" >Mi comienzo - 15.000 euros invertidos relativamente pronto<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Wie_hat_sich_mein_Investment_entwickelt\" >\u00bfC\u00f3mo ha evolucionado mi inversi\u00f3n?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Auszahlungen_%E2%80%93_funktionieren_sie_wirklich\" >Pagos: \u00bfrealmente funcionan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Die_neuen_Vaults_%E2%80%93_mein_Eindruck\" >Las nuevas b\u00f3vedas: mi impresi\u00f3n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Wie_hoch_ist_die_Rendite_wirklich\" >\u00bfCu\u00e1l es el rendimiento real?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Meine_reale_Rendite_uber_25_Jahre\" >Mi rendimiento real durante 2,5 a\u00f1os<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Risiken_%E2%80%93_ehrlich_betrachtet\" >Riesgos \u2013 considerados honestamente<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Warum_habe_ich_mein_Investment_reduziert\" >\u00bfPor qu\u00e9 reduje mi inversi\u00f3n?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Wie_passt_Monifit_SmartSaver_in_mein_Portfolio\" >\u00bfC\u00f3mo encaja Monifit SmartSaver en mi cartera?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Mein_Fazit_nach_25_Jahren\" >Mi conclusi\u00f3n despu\u00e9s de 2,5 a\u00f1os<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Fur_wen_ist_Monifit_SmartSaver_geeignet\" >\u00bfPara qui\u00e9n es adecuado Monifit SmartSaver?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Schlussgedanke\" >Pensamiento final<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/p2phero.de\/es\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#Haftungsausschluss\" >Descargo de responsabilidad<\/a><\/li><\/ul><\/nav><\/div>\n<h2 data-start=\"1108\" data-end=\"1162\"><span class=\"ez-toc-section\" id=\"Mein_Einstieg_%E2%80%93_15000_Euro_relativ_fruh_investiert\"><\/span>Mi comienzo - 15.000 euros invertidos relativamente pronto<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1164\" data-end=\"1318\">Entr\u00e9 relativamente pronto en Monifit SmartSaver, cuando la plataforma a\u00fan era nueva. En ese momento, hab\u00eda un atractivo bono de registro de alrededor del 2 por ciento.<\/p>\n<p data-start=\"1320\" data-end=\"1528\">A 15.000 euros le correspond\u00edan aproximadamente 300 euros de bonificaci\u00f3n. De hecho, recib\u00ed un total de 315 euros de bonificaci\u00f3n. Obviamente, fue un comienzo muy fuerte y aument\u00f3 significativamente el rendimiento efectivo de inmediato.<\/p>\n<p data-start=\"1530\" data-end=\"1705\">Hoy, el bono de registro es de solo alrededor del 0,5 por ciento. Con 15.000 euros, eso ser\u00edan solo 75 euros. Por lo tanto, se nota claramente que los primeros inversores fueron m\u00e1s favorecidos.<\/p>\n<p data-start=\"1530\" data-end=\"1705\"><strong><a href=\"https:\/\/c.trackmytarget.com\/?a=v09036&amp;i=g61c9a\" target=\"_blank\" rel=\"noopener\">Reg\u00edstrate en Monifit SmartSaver y consigue hasta 10,52% de intereses *<\/a><\/strong><\/p>\n<hr data-start=\"1707\" data-end=\"1710\" \/>\n<h2 data-start=\"1712\" data-end=\"1755\"><span class=\"ez-toc-section\" id=\"Wie_hat_sich_mein_Investment_entwickelt\"><\/span>\u00bfC\u00f3mo ha evolucionado mi inversi\u00f3n?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1757\" data-end=\"1841\">En los \u00faltimos dos a\u00f1os y medio he ganado casi 250 euros en intereses.<\/p>\n<p data-start=\"1843\" data-end=\"2013\">Importante: Monifit SmartSaver no es un modelo P2P de alto inter\u00e9s con rendimientos del 12 o 15 por ciento. Es m\u00e1s bien un componente de flujo de caja m\u00e1s conservador con una rentabilidad moderada.<\/p>\n<p data-start=\"1843\" data-end=\"2013\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-2373\" src=\"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen.avif\" alt=\"Experiencias con Monefit SmartSaver P2P\" width=\"1049\" height=\"465\" srcset=\"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen.avif 1049w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen-300x133.avif 300w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen-1024x454.avif 1024w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen-768x340.avif 768w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen-150x66.avif 150w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen-360x160.avif 360w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen-262x116.avif 262w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen-162x72.avif 162w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen-100x44.avif 100w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><\/p>\n<p data-start=\"2015\" data-end=\"2100\">Actualmente tengo invertidos unos 1.300 euros. Va estable y sin problemas.<\/p>\n<p data-start=\"2102\" data-end=\"2240\">Una parte de eso, alrededor de 1.000 euros, est\u00e1 colocada de forma que pueda acceder a ella relativamente r\u00e1pido. Eso es estrat\u00e9gicamente importante para m\u00ed.<\/p>\n<hr data-start=\"2242\" data-end=\"2245\" \/>\n<h2 data-start=\"2247\" data-end=\"2292\"><span class=\"ez-toc-section\" id=\"Auszahlungen_%E2%80%93_funktionieren_sie_wirklich\"><\/span>Pagos: \u00bfrealmente funcionan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2294\" data-end=\"2351\">Este es uno de los puntos m\u00e1s importantes en cualquier plataforma.<\/p>\n<p data-start=\"2353\" data-end=\"2526\">En Monifit SmartSaver hay un plazo de retiro de hasta 10 d\u00edas h\u00e1biles. En mi caso, los retiros siempre han funcionado. No ha habido retrasos ni problemas.<\/p>\n<p data-start=\"2353\" data-end=\"2526\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-2374\" src=\"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-auszahlungen.avif\" alt=\"Retiros de Monefit SmartSaver\" width=\"737\" height=\"343\" srcset=\"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-auszahlungen.avif 737w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-auszahlungen-300x140.avif 300w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-auszahlungen-150x70.avif 150w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-auszahlungen-360x168.avif 360w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-auszahlungen-262x122.avif 262w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-auszahlungen-162x75.avif 162w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-auszahlungen-100x47.avif 100w\" sizes=\"(max-width: 737px) 100vw, 737px\" \/><\/p>\n<p data-start=\"2528\" data-end=\"2690\">Mientras tanto, el modelo se ha adaptado ligeramente. Se pueden retirar hasta 1.000 euros con relativa rapidez. Precisamente por eso mantengo esa cantidad all\u00ed a prop\u00f3sito.<\/p>\n<p data-start=\"2692\" data-end=\"2769\">Para m\u00ed esto es una especie de reserva de liquidez dentro de mi cartera P2P.<\/p>\n<hr data-start=\"2771\" data-end=\"2774\" \/>\n<h2 data-start=\"2776\" data-end=\"2811\"><span class=\"ez-toc-section\" id=\"Die_neuen_Vaults_%E2%80%93_mein_Eindruck\"><\/span>Las nuevas b\u00f3vedas: mi impresi\u00f3n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2813\" data-end=\"2919\">Monifit ha lanzado un nuevo producto llamado Vaults. Actualmente tengo 250 euros all\u00ed.<\/p>\n<p data-start=\"2921\" data-end=\"3139\">Las \"Vaults\" funcionan como productos de ahorro estructurados con tasas de inter\u00e9s ligeramente diferentes o promociones de bonificaci\u00f3n. Por ejemplo, hubo una promoci\u00f3n de Black Friday con intereses adicionales que, por supuesto, aprovech\u00e9.<\/p>\n<p data-start=\"2921\" data-end=\"3139\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-2375\" src=\"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-vaults.avif\" alt=\"Cajas fuertes Monefit SmartSaver\" width=\"1120\" height=\"693\" srcset=\"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-vaults.avif 1120w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-vaults-300x186.avif 300w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-vaults-1024x634.avif 1024w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-vaults-768x475.avif 768w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-vaults-150x93.avif 150w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-vaults-360x223.avif 360w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-vaults-262x162.avif 262w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-vaults-162x100.avif 162w, https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-vaults-100x62.avif 100w\" sizes=\"(max-width: 1120px) 100vw, 1120px\" \/><\/p>\n<p data-start=\"3141\" data-end=\"3246\">Veo las b\u00f3vedas como una extensi\u00f3n del modelo SmartSaver original, no como un riesgo completamente nuevo.<\/p>\n<hr data-start=\"3248\" data-end=\"3251\" \/>\n<h2 data-start=\"3253\" data-end=\"3290\"><span class=\"ez-toc-section\" id=\"Wie_hoch_ist_die_Rendite_wirklich\"><\/span>\u00bfCu\u00e1l es el rendimiento real?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"277\" data-end=\"341\">En el papel, Monifit SmartSaver suena muy atractivo en este momento.<\/p>\n<p data-start=\"343\" data-end=\"540\">Para la cuenta principal se indica una rentabilidad esperada del 7,50 % APY, con disponibilidad inmediata de hasta 1.000 \u20ac al mes. En las denominadas \u00abVaults\u00bb se puede llegar incluso a alcanzar un 10,52 % APY.<\/p>\n<p data-start=\"542\" data-end=\"553\">A esto se suma:<\/p>\n<ul>\n<li data-start=\"555\" data-end=\"763\">c\u00e1lculo de rendimiento diario<\/li>\n<li data-start=\"555\" data-end=\"763\">pago mensual en modo \u201eingreso pasivo\u201c<\/li>\n<li data-start=\"555\" data-end=\"763\">rendimiento opcional m\u00e1s alto en productos de b\u00f3veda<\/li>\n<li data-start=\"555\" data-end=\"763\">bonificaci\u00f3n de referencia adicional<\/li>\n<li data-start=\"555\" data-end=\"763\">0,25 % Bono de bienvenida v\u00e1lido durante 90 d\u00edas<\/li>\n<\/ul>\n<p data-start=\"765\" data-end=\"790\">Eso suena genial de entrada.<\/p>\n<p data-start=\"792\" data-end=\"828\">Pero, \u00bfc\u00f3mo se ve esto en la pr\u00e1ctica?<\/p>\n<p data-start=\"1530\" data-end=\"1705\"><strong><a href=\"https:\/\/c.trackmytarget.com\/?a=v09036&amp;i=g61c9a\" target=\"_blank\" rel=\"noopener\">Reg\u00edstrate en Monifit SmartSaver y consigue hasta 10,52% de intereses *<\/a><\/strong><\/p>\n<hr data-start=\"830\" data-end=\"833\" \/>\n<h2 data-start=\"835\" data-end=\"872\"><span class=\"ez-toc-section\" id=\"Meine_reale_Rendite_uber_25_Jahre\"><\/span>Mi rendimiento real durante 2,5 a\u00f1os<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"874\" data-end=\"1006\">Me un\u00ed en 2023, en una fase relativamente temprana de la plataforma. Por aquel entonces todav\u00eda hab\u00eda un bono de registro muy atractivo de unos 2 %.<\/p>\n<p data-start=\"1008\" data-end=\"1100\">Con mi dep\u00f3sito de 15.000 \u20ac, eso signific\u00f3 aproximadamente 315 \u20ac de bonificaci\u00f3n. Fue un muy buen comienzo.<\/p>\n<p data-start=\"1102\" data-end=\"1188\">En los siguientes dos a\u00f1os y medio, gan\u00e9 aproximadamente 250 \u20ac adicionales en intereses.<\/p>\n<p data-start=\"1190\" data-end=\"1204\">En resumen, entonces:<\/p>\n<p data-start=\"1206\" data-end=\"1266\">315 \u20ac de bonificaci\u00f3n<br data-start=\"1217\" data-end=\"1220\" \/>aprox. 250 \u20ac de intereses<br data-start=\"1236\" data-end=\"1239\" \/>= total de ingresos 565 \u20ac<\/p>\n<p data-start=\"1268\" data-end=\"1304\">Por 15.000 \u20ac durante dos a\u00f1os y medio.<\/p>\n<p data-start=\"1306\" data-end=\"1471\">Si se mira objetivamente, esto no corresponde a un rendimiento de dos d\u00edgitos. Es m\u00e1s bien un resultado moderado que se ha beneficiado enormemente del alto bono de entrada.<\/p>\n<p data-start=\"1473\" data-end=\"1539\">Sin la bonificaci\u00f3n de 2 %, el resultado habr\u00eda sido mucho m\u00e1s moderado.<\/p>\n<hr data-start=\"4445\" data-end=\"4448\" \/>\n<h2 data-start=\"4450\" data-end=\"4481\"><span class=\"ez-toc-section\" id=\"Risiken_%E2%80%93_ehrlich_betrachtet\"><\/span>Riesgos \u2013 considerados honestamente<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4483\" data-end=\"4572\">Aunque hasta ahora todo me ha ido sin problemas, no hay que subestimar los riesgos.<\/p>\n<ol data-start=\"4574\" data-end=\"4801\">\n<li data-start=\"4574\" data-end=\"4622\">\n<p data-start=\"4577\" data-end=\"4622\">No existe un seguro de dep\u00f3sitos estatal.<\/p>\n<\/li>\n<li data-start=\"4623\" data-end=\"4666\">\n<p data-start=\"4626\" data-end=\"4666\">Usted asume el riesgo de la empresa.<\/p>\n<\/li>\n<li data-start=\"4667\" data-end=\"4723\">\n<p data-start=\"4670\" data-end=\"4723\">No se trata de pr\u00e9stamos individuales segregados.<\/p>\n<\/li>\n<li data-start=\"4724\" data-end=\"4801\">\n<p data-start=\"4727\" data-end=\"4801\">Si bien la liquidez est\u00e1 disponible, no est\u00e1 disponible de forma inmediata e ilimitada.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"4803\" data-end=\"4870\">Monifit no es una cuenta de ahorro a la vista. Es una inversi\u00f3n empresarial.<\/p>\n<hr data-start=\"4872\" data-end=\"4875\" \/>\n<h2 data-start=\"4877\" data-end=\"4921\"><span class=\"ez-toc-section\" id=\"Warum_habe_ich_mein_Investment_reduziert\"><\/span>\u00bfPor qu\u00e9 reduje mi inversi\u00f3n?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4923\" data-end=\"4969\">Invert\u00ed originalmente 15.000 euros.<\/p>\n<p data-start=\"4971\" data-end=\"5010\">Hoy solo quedan unos 1.300 euros.<\/p>\n<p data-start=\"5012\" data-end=\"5167\">Eso no se debe a problemas, sino a mi estrategia de diversificaci\u00f3n. Ahora distribuyo mi capital en 24 plataformas, adem\u00e1s de acciones y ETFs.<\/p>\n<p data-start=\"5169\" data-end=\"5253\">No quiero tener riesgo de concentraci\u00f3n en una plataforma, por muy estable que parezca.<\/p>\n<hr data-start=\"5255\" data-end=\"5258\" \/>\n<h2 data-start=\"5260\" data-end=\"5310\"><span class=\"ez-toc-section\" id=\"Wie_passt_Monifit_SmartSaver_in_mein_Portfolio\"><\/span>\u00bfC\u00f3mo encaja Monifit SmartSaver en mi cartera?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"5312\" data-end=\"5333\">Para m\u00ed Monifit es:<\/p>\n<ul>\n<li data-start=\"5335\" data-end=\"5424\">sin impulsor de rendimiento<\/li>\n<li data-start=\"5335\" data-end=\"5424\">ninguna inversi\u00f3n de alto riesgo<\/li>\n<li data-start=\"5335\" data-end=\"5424\">sino un componente de efectivo defensivo<\/li>\n<\/ul>\n<p data-start=\"5426\" data-end=\"5477\">Es una parte m\u00e1s tranquila de mi cartera P2P.<\/p>\n<p data-start=\"5479\" data-end=\"5602\">Mientras que otras plataformas ofrecen entre un 12% y un 16%, Monifit proporciona rendimientos moderados con un desarrollo relativamente estable.<\/p>\n<hr data-start=\"5604\" data-end=\"5607\" \/>\n<h2 data-start=\"5609\" data-end=\"5638\"><span class=\"ez-toc-section\" id=\"Mein_Fazit_nach_25_Jahren\"><\/span>Mi conclusi\u00f3n despu\u00e9s de 2,5 a\u00f1os<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"5640\" data-end=\"5679\">Despu\u00e9s de dos a\u00f1os y medio, puedo decir:<\/p>\n<ul>\n<li data-start=\"5681\" data-end=\"5837\">Todos los dep\u00f3sitos y retiros funcionaron.<\/li>\n<li data-start=\"5681\" data-end=\"5837\">No hubo problemas.<\/li>\n<li data-start=\"5681\" data-end=\"5837\">La plataforma parece estable.<\/li>\n<li data-start=\"5681\" data-end=\"5837\">El rendimiento es moderado, pero predecible.<\/li>\n<\/ul>\n<p data-start=\"5839\" data-end=\"5923\">\u00bfVolver\u00eda a invertir hoy 15.000 euros? Probablemente no en esa cantidad.<\/p>\n<p data-start=\"5925\" data-end=\"5965\">\u00bfEvitar\u00eda Monifit por completo? No.<\/p>\n<p data-start=\"5967\" data-end=\"6018\">Lo veo como un componente b\u00e1sico, no como una inversi\u00f3n central.<\/p>\n<hr data-start=\"6020\" data-end=\"6023\" \/>\n<h2 data-start=\"6025\" data-end=\"6068\"><span class=\"ez-toc-section\" id=\"Fur_wen_ist_Monifit_SmartSaver_geeignet\"><\/span>\u00bfPara qui\u00e9n es adecuado Monifit SmartSaver?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"6070\" data-end=\"6096\">Adecuado para inversores que:<\/p>\n<ul>\n<li data-start=\"6098\" data-end=\"6230\">buscar un rendimiento moderado<\/li>\n<li data-start=\"6098\" data-end=\"6230\">Estimar la opci\u00f3n de liquidez<\/li>\n<li data-start=\"6098\" data-end=\"6230\">no querer volatilidad extrema<\/li>\n<li data-start=\"6098\" data-end=\"6230\">Buscar la diversificaci\u00f3n en el \u00e1mbito P2P<\/li>\n<\/ul>\n<p data-start=\"6232\" data-end=\"6264\">No apto para inversores que:<\/p>\n<ul>\n<li data-start=\"6266\" data-end=\"6387\">esperar rendimientos de dos d\u00edgitos<\/li>\n<li data-start=\"6266\" data-end=\"6387\">Buscar especulaci\u00f3n a corto plazo<\/li>\n<li data-start=\"6266\" data-end=\"6387\">m\u00e1xima seguridad como en una cuenta bancaria<\/li>\n<\/ul>\n<hr data-start=\"6389\" data-end=\"6392\" \/>\n<h2 data-start=\"6394\" data-end=\"6411\"><span class=\"ez-toc-section\" id=\"Schlussgedanke\"><\/span>Pensamiento final<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"6413\" data-end=\"6496\">Monifit SmartSaver, despu\u00e9s de 2 a\u00f1os y medio, no es una exageraci\u00f3n para m\u00ed, pero tampoco es una decepci\u00f3n.<\/p>\n<p data-start=\"6498\" data-end=\"6628\">Es una plataforma s\u00f3lida y tranquila dentro de mi cartera ampliamente diversificada de 24 proveedores P2P m\u00e1s acciones y ETFs.<\/p>\n<p data-start=\"6630\" data-end=\"6718\">Y as\u00ed es como las trato: como parte de un sistema, no como una soluci\u00f3n \u00fanica.<\/p>\n<h2 data-start=\"101\" data-end=\"122\"><span class=\"ez-toc-section\" id=\"Haftungsausschluss\"><\/span>Descargo de responsabilidad<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"124\" data-end=\"386\">La informaci\u00f3n presentada en este art\u00edculo establece <strong data-start=\"182\" data-end=\"263\">No asesoramiento de inversi\u00f3n ni asesoramiento fiscal ni recomendaci\u00f3n de inversi\u00f3n individual.<\/strong> dar. Estas son exclusivamente mis experiencias y evaluaciones personales sobre la plataforma Monifit SmartSaver.<\/p>\n<p data-start=\"388\" data-end=\"620\">Cada inversi\u00f3n conlleva riesgos, incluido el riesgo de <strong data-start=\"465\" data-end=\"514\">p\u00e9rdida total o parcial de capital<\/strong>. Las tasas de rendimiento anunciadas o los valores APY esperados tampoco est\u00e1n garantizados y pueden cambiar en cualquier momento.<\/p>\n<p data-start=\"622\" data-end=\"866\">Por favor, tome sus decisiones de inversi\u00f3n de forma independiente, bas\u00e1ndose en su situaci\u00f3n financiera personal, su tolerancia al riesgo y su propia investigaci\u00f3n. Invierta \u00fanicamente capital cuya p\u00e9rdida pueda permitirse financieramente.<\/p>","protected":false},"excerpt":{"rendered":"<p>Als jemand, der mittlerweile auf 24 P2P-Plattformen investiert ist und seit mehreren Jahren im Peer-to-Peer-Bereich aktiv ist, habe ich schon viele Modelle kommen und gehen sehen. Manche Plattformen starten stark und verschwinden wieder. Andere entwickeln sich langsam, aber stabil. Monifit SmartSaver geh\u00f6rt f\u00fcr mich zu den Plattformen, die ich wirklich \u00fcber einen l\u00e4ngeren Zeitraum getestet [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2373,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":[],"rop_publish_now_history":[],"rop_publish_now_status":"pending","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[17],"tags":[],"class_list":["post-2372","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-p2p-erfahrungen"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Monifit SmartSaver Erfahrungen nach 2,5 Jahren - P2P-Kredite Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/p2phero.de\/es\/experiencias-con-monifit-smartsaver-despues-de-25-anos\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Monifit SmartSaver Erfahrungen nach 2,5 Jahren - P2P-Kredite Blog\" \/>\n<meta property=\"og:description\" content=\"Als jemand, der mittlerweile auf 24 P2P-Plattformen investiert ist und seit mehreren Jahren im Peer-to-Peer-Bereich aktiv ist, habe ich schon viele Modelle kommen und gehen sehen. Manche Plattformen starten stark und verschwinden wieder. Andere entwickeln sich langsam, aber stabil. Monifit SmartSaver geh\u00f6rt f\u00fcr mich zu den Plattformen, die ich wirklich \u00fcber einen l\u00e4ngeren Zeitraum getestet [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/p2phero.de\/es\/experiencias-con-monifit-smartsaver-despues-de-25-anos\/\" \/>\n<meta property=\"og:site_name\" content=\"P2P-Kredite Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-24T11:55:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen.avif\" \/>\n\t<meta property=\"og:image:width\" content=\"1049\" \/>\n\t<meta property=\"og:image:height\" content=\"465\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Sebastian\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sebastian\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/\"},\"author\":{\"name\":\"Sebastian\",\"@id\":\"https:\\\/\\\/p2phero.de\\\/#\\\/schema\\\/person\\\/2a3ed11de51ce448c0f2e05d0bdeaef3\"},\"headline\":\"Monifit SmartSaver Erfahrungen nach 2,5 Jahren\",\"datePublished\":\"2026-02-24T11:55:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/\"},\"wordCount\":1013,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/p2phero.de\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Monefit-SmartSaver-P2P-Erfahrungen.avif\",\"articleSection\":[\"P2P Erfahrungen\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/\",\"url\":\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/\",\"name\":\"Monifit SmartSaver Erfahrungen nach 2,5 Jahren - P2P-Kredite Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/p2phero.de\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/p2phero.de\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Monefit-SmartSaver-P2P-Erfahrungen.avif\",\"datePublished\":\"2026-02-24T11:55:59+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/p2phero.de\\\/#\\\/schema\\\/person\\\/2a3ed11de51ce448c0f2e05d0bdeaef3\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/#primaryimage\",\"url\":\"https:\\\/\\\/p2phero.de\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Monefit-SmartSaver-P2P-Erfahrungen.avif\",\"contentUrl\":\"https:\\\/\\\/p2phero.de\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Monefit-SmartSaver-P2P-Erfahrungen.avif\",\"width\":1049,\"height\":465,\"caption\":\"Monefit SmartSaver P2P Erfahrungen\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/p2phero.de\\\/monifit-smartsaver-erfahrungen-nach-25-jahren\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/p2phero.de\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Monifit SmartSaver Erfahrungen nach 2,5 Jahren\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/p2phero.de\\\/#website\",\"url\":\"https:\\\/\\\/p2phero.de\\\/\",\"name\":\"P2P-Kredite Blog\",\"description\":\"Passives Einkommen mit P2P-Krediten\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/p2phero.de\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/p2phero.de\\\/#\\\/schema\\\/person\\\/2a3ed11de51ce448c0f2e05d0bdeaef3\",\"name\":\"Sebastian\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d9e237056ad40e420f7e1de7eaecc6ab040d7d6dd3fbe0d1db0f92c1462ac983?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d9e237056ad40e420f7e1de7eaecc6ab040d7d6dd3fbe0d1db0f92c1462ac983?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/d9e237056ad40e420f7e1de7eaecc6ab040d7d6dd3fbe0d1db0f92c1462ac983?s=96&d=mm&r=g\",\"caption\":\"Sebastian\"},\"sameAs\":[\"https:\\\/\\\/p2phero.de\"],\"url\":\"https:\\\/\\\/p2phero.de\\\/es\\\/author\\\/cwebb87\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Monifit SmartSaver Opiniones despu\u00e9s de 2.5 a\u00f1os - Blog de pr\u00e9stamos P2P","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/p2phero.de\/es\/experiencias-con-monifit-smartsaver-despues-de-25-anos\/","og_locale":"es_ES","og_type":"article","og_title":"Monifit SmartSaver Erfahrungen nach 2,5 Jahren - P2P-Kredite Blog","og_description":"Als jemand, der mittlerweile auf 24 P2P-Plattformen investiert ist und seit mehreren Jahren im Peer-to-Peer-Bereich aktiv ist, habe ich schon viele Modelle kommen und gehen sehen. Manche Plattformen starten stark und verschwinden wieder. Andere entwickeln sich langsam, aber stabil. Monifit SmartSaver geh\u00f6rt f\u00fcr mich zu den Plattformen, die ich wirklich \u00fcber einen l\u00e4ngeren Zeitraum getestet [&hellip;]","og_url":"https:\/\/p2phero.de\/es\/experiencias-con-monifit-smartsaver-despues-de-25-anos\/","og_site_name":"P2P-Kredite Blog","article_published_time":"2026-02-24T11:55:59+00:00","og_image":[{"width":1049,"height":465,"url":"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen.avif","type":"image\/png"}],"author":"Sebastian","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Sebastian","Tiempo de lectura":"7 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#article","isPartOf":{"@id":"https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/"},"author":{"name":"Sebastian","@id":"https:\/\/p2phero.de\/#\/schema\/person\/2a3ed11de51ce448c0f2e05d0bdeaef3"},"headline":"Monifit SmartSaver Erfahrungen nach 2,5 Jahren","datePublished":"2026-02-24T11:55:59+00:00","mainEntityOfPage":{"@id":"https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/"},"wordCount":1013,"commentCount":0,"image":{"@id":"https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#primaryimage"},"thumbnailUrl":"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen.avif","articleSection":["P2P Erfahrungen"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/","url":"https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/","name":"Monifit SmartSaver Opiniones despu\u00e9s de 2.5 a\u00f1os - Blog de pr\u00e9stamos P2P","isPartOf":{"@id":"https:\/\/p2phero.de\/#website"},"primaryImageOfPage":{"@id":"https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#primaryimage"},"image":{"@id":"https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#primaryimage"},"thumbnailUrl":"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen.avif","datePublished":"2026-02-24T11:55:59+00:00","author":{"@id":"https:\/\/p2phero.de\/#\/schema\/person\/2a3ed11de51ce448c0f2e05d0bdeaef3"},"breadcrumb":{"@id":"https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#primaryimage","url":"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen.avif","contentUrl":"https:\/\/p2phero.de\/wp-content\/uploads\/2026\/02\/Monefit-SmartSaver-P2P-Erfahrungen.avif","width":1049,"height":465,"caption":"Monefit SmartSaver P2P Erfahrungen"},{"@type":"BreadcrumbList","@id":"https:\/\/p2phero.de\/monifit-smartsaver-erfahrungen-nach-25-jahren\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/p2phero.de\/"},{"@type":"ListItem","position":2,"name":"Monifit SmartSaver Erfahrungen nach 2,5 Jahren"}]},{"@type":"WebSite","@id":"https:\/\/p2phero.de\/#website","url":"https:\/\/p2phero.de\/","name":"Blog de pr\u00e9stamos P2P","description":"Ingresos pasivos con pr\u00e9stamos P2P","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/p2phero.de\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/p2phero.de\/#\/schema\/person\/2a3ed11de51ce448c0f2e05d0bdeaef3","name":"Sebasti\u00e1n","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/d9e237056ad40e420f7e1de7eaecc6ab040d7d6dd3fbe0d1db0f92c1462ac983?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d9e237056ad40e420f7e1de7eaecc6ab040d7d6dd3fbe0d1db0f92c1462ac983?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d9e237056ad40e420f7e1de7eaecc6ab040d7d6dd3fbe0d1db0f92c1462ac983?s=96&d=mm&r=g","caption":"Sebastian"},"sameAs":["https:\/\/p2phero.de"],"url":"https:\/\/p2phero.de\/es\/author\/cwebb87\/"}]}},"modified_by":"Sebastian","_links":{"self":[{"href":"https:\/\/p2phero.de\/es\/wp-json\/wp\/v2\/posts\/2372","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/p2phero.de\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/p2phero.de\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/p2phero.de\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/p2phero.de\/es\/wp-json\/wp\/v2\/comments?post=2372"}],"version-history":[{"count":2,"href":"https:\/\/p2phero.de\/es\/wp-json\/wp\/v2\/posts\/2372\/revisions"}],"predecessor-version":[{"id":2377,"href":"https:\/\/p2phero.de\/es\/wp-json\/wp\/v2\/posts\/2372\/revisions\/2377"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/p2phero.de\/es\/wp-json\/wp\/v2\/media\/2373"}],"wp:attachment":[{"href":"https:\/\/p2phero.de\/es\/wp-json\/wp\/v2\/media?parent=2372"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/p2phero.de\/es\/wp-json\/wp\/v2\/categories?post=2372"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/p2phero.de\/es\/wp-json\/wp\/v2\/tags?post=2372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}