Hive5
Croatia · Consumer · Founded 2022
Our score
Average return
13.5%
advertised maximum
Our verdict
Hive5 pays some of the highest rates on the market and has, so far, paid them on time. That is roughly all the evidence there is. Founded in 2022, it has not operated through a downturn, its originators are closely tied to the founding group, and the ECSPR application is still pending. None of that makes it bad — it makes it unproven, which for a platform paying 13%+ is the material fact. Treat the rate as compensation for uncertainty, not as a free lunch.
What works
- Rates at the very top of the market with no deposit minimum worth worrying about
- Payments and buybacks have been on time throughout its short life
- Clean, modern interface and fast onboarding
- Loyalty bonuses are straightforward rather than buried in conditions
What doesn't
- Founded 2022 — no track record through any credit downturn
- ECSPR licence not yet granted
- Originators closely connected to the founding group
- No secondary market and limited independent verification of the loan book
Who this is for
Investors deliberately allocating a small, losable amount to an unproven high-yield platform. Not a place for core capital.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: hive5.finance · Sep 18, 2026 · Figures could not be re-read today — the site blocked our checker
This platform blocked our automated check, so this figure is carried over from the previous reading rather than confirmed today.
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.
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