{"id":343718,"date":"2026-08-17T20:00:00","date_gmt":"2026-08-17T20:00:00","guid":{"rendered":"https:\/\/northern.finance\/bonus\/bondora-go-grow-vs-modena-which-product-is-right-for-you\/"},"modified":"2026-09-20T19:59:47","modified_gmt":"2026-09-20T19:59:47","slug":"bondora-go-grow-vs-modena","status":"publish","type":"post","link":"https:\/\/northern.finance\/en\/review\/bondora-go-grow-vs-modena\/","title":{"rendered":"Bondora Go &#038; Grow vs. Modena: Which product is right for you?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">P2P lending offers investors comparatively <strong>high returns with minimal effort<\/strong>. At the same time, there are differences in interest rates, the liquidity of individual platforms, and in terms of flexibility and experience.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For this reason, today we\u2019re taking a look at <strong>Bondora Go &amp; Grow, one of the most experienced<\/strong>P2P lending providers on the market, and comparing it with the <strong>newcomer, Modena<\/strong>. Whilst Go &amp; Grow stands out for its many years of experience, investors with Modena have the chance to earn up to 11 per cent interest per annum. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But which platform is the better choice for investors? In today\u2019s comparison, we take a closer look at <strong>Go &amp; Grow versus Modena <\/strong>and examine the pros and cons of both providers so that you can make better decisions. <\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen\">\n<div class=\"wp-block-group__inner-container\">\n<p class=\"nf-boxen-p-gut-zu-wissen\"><strong>In brief:<\/strong><\/p>\n<ul class=\"infobox-ul\">\n<li class=\"infobox-li\">With Bondora Go &#038; Grow and Modena, investors put their money into consumer loans offering interest rates of up to 6 per cent and up to 11 per cent per annum respectively.<\/li>\n<li class=\"infobox-li\">Bondora is one of the most experienced providers of P2P loans and has already successfully weathered several crises. Modena still has to prove itself.<\/li>\n<li class=\"infobox-li\">As well as the prospect of high interest rates, Modena stands out thanks to its unique features, which offer investors greater flexibility when investing.<\/li>\n<li class=\"infobox-li\">The attractive fee structure on both platforms offers both newcomers and experienced investors favourable terms for getting started with investing.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Go &amp; Grow vs. Modena: How well do these investment products perform?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The comparison between Bondora Go &amp; Grow and Modena pits one of Europe\u2019s most renowned P2P platforms against an up-and-coming P2P lending provider that is currently attracting the interest of many investors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before we begin our detailed comparison of the two P2P lending providers, let\u2019s take a look at the business models behind them to gain a better understanding of the companies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s start with the Bondora Group, founded in 2008. With nearly 20 years\u2019 experience, Bondora is one of the oldest P2P companies in Europe. Here, investors put their money into consumer loans, the vast majority of which originate from its core market, Finland.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With its \u201cGo &amp; Grow\u201d investment product, Bondora has around 500,000 registered users and has been profitable for the ninth year running. Investors can earn up to 6 per cent interest per annum here.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1363\" height=\"650\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-1-6.png\" alt=\"\" class=\"wp-image-343869\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-1-6.png 1363w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-1-6-300x143.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-1-6-767x366.png 767w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-1-6-1024x488.png 1024w\" sizes=\"(max-width: 1363px) 100vw, 1363px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The Estonian P2P platform <strong>Modena <\/strong>is one of the newest of its kind. The company began offering consumer loans in 2024, enabling investors to earn <strong>up to 11 per cent<\/strong> per annum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Modena attracts new customers with attractive bonuses and the prospect of cashback, and is currently steadily increasing its total investment volume.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1821\" height=\"864\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-2-5.png\" alt=\"\" class=\"wp-image-343875\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-2-5.png 1821w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-2-5-300x142.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-2-5-767x364.png 767w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-2-5-1024x486.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-2-5-1536x729.png 1536w\" sizes=\"(max-width: 1821px) 100vw, 1821px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The table below gives you an overview of the key differences between the two platforms. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Criterion<\/strong><\/td><td><strong>Bondora<\/strong><\/td><td><strong>Modena<\/strong><\/td><\/tr><tr><td>Company formation<\/td><td>2008<\/td><td>2019<\/td><\/tr><tr><td><strong>Platform launch<\/strong><\/td><td>2018<\/td><td>2024<\/td><\/tr><tr><td>Head office<\/td><td>Tallinn, Estonia<\/td><td>Tallinn, Estonia<\/td><\/tr><tr><td>Management<\/td><td>P\u00e4rtel Tomberg<\/td><td>Oliver Matt<\/td><\/tr><tr><td>Loan volume financed<\/td><td>Over \u20ac1 billion<\/td><td>Over \u20ac36 million<\/td><\/tr><tr><td>Regulation<\/td><td>Supervised by the Estonian Financial Supervision Authority; not regulated under MiFID II<\/td><td>Supervised by the Estonian Financial Supervision Authority; not regulated under MiFID II<\/td><\/tr><tr><td><strong>Annual Report<\/strong><\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td>Investors<\/td><td>500,000+<\/td><td>2,500+<\/td><\/tr><tr><td>Return<\/td><td>Up to approx. 6% p.a.<\/td><td>Up to approx. 11% p.a.<\/td><\/tr><tr><td>Buyback<\/td><td>No<\/td><td>Yes<\/td><\/tr><tr><td>Minimum investment amount<\/td><td>\u20ac1<\/td><td>\u20ac50<\/td><\/tr><tr><td>Auto-Invest<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td><strong>secondary market<\/strong><\/td><td>No<\/td><td>No<\/td><\/tr><tr><td><strong>Loyalty programs<\/strong><\/td><td><a href=\"https:\/\/northern.finance\/en\/bonus\/bondora-bonus\/\" data-type=\"post\" data-id=\"272725\">Referral schemes and campaigns<\/a><\/td><td><a href=\"\/go\/modena\" data-type=\"link\" data-id=\"\/go\/modena\">Welcome bonus and cashback<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">I have <a href=\"https:\/\/northern.finance\/en\/review\/bondora-go-grow-review\/\"><strong>experience with both Modena and Bondora Go &amp; Grow<\/strong><\/a> and have invested in both platforms. You can find out more about both P2P platforms in my article on the best <a href=\"https:\/\/northern.finance\/en\/learn-how-to-invest\/savings-account-alternatives\/\">alternatives to overnight money accounts<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s now begin with a detailed comparison of Bondora Go &amp; Grow vs. Modena.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison 1: Go &amp; Grow vs. Modena \u2013 Interest Rates<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There are significant differences between the two platforms in this key area, which are worth examining in more detail. Which platform is the more attractive option, particularly for those seeking high returns?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With Bondora Go &amp; Grow, the established P2P giant, investors receive up to 6 per cent interest per annum with flexible payouts. However, this is not a fixed return, but a target return that may fluctuate depending on the performance of the loan portfolio. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1740\" height=\"256\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-3-5.png\" alt=\"\" class=\"wp-image-343887\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-3-5.png 1740w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-3-5-300x44.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-3-5-761x112.png 761w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-3-5-1024x151.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-3-5-1536x226.png 1536w\" sizes=\"(max-width: 1740px) 100vw, 1740px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong>Go &amp; Grow interest rate model:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Daily calculation of the return based on the investment.<\/li>\n\n\n\n<li>Income is automatically credited to the Go &amp; Grow account and reinvested straight away.<\/li>\n\n\n\n<li>Interest starts to accrue as soon as money is invested in the Go &amp; Grow account.<\/li>\n\n\n\n<li>Thanks to automatic reinvestment, investors benefit from the compound interest effect, as income already earned also contributes to future returns.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Given its relatively short history, the P2P lending provider Modena is presumably trying to attract investors with attractive interest rates. The P2P platform is currently advertising <strong>annual interest rates of up to 11 per cent<\/strong>, which can be achieved with the \u2018Growth Vault\u2019 product. With the flexible \u2018Dynamik Vault\u2019 product, investors can earn up to 7.9 per cent per annum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Again, this is not a fixed return, but rather the <strong>potential return<\/strong>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1837\" height=\"856\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-4-3.png\" alt=\"\" class=\"wp-image-343881\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-4-3.png 1837w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-4-3-300x140.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-4-3-766x357.png 766w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-4-3-1024x477.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-4-3-1536x716.png 1536w\" sizes=\"(max-width: 1837px) 100vw, 1837px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong>Modena interest rate model:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Returns are generated by the discount at which Modena sells loan receivables to investors. The difference between this and the nominal value represents the return.<\/li>\n\n\n\n<li>Returns are recognised as soon as new receivables are sold to the investor. According to Modena, this occurs on average several times a week.<\/li>\n\n\n\n<li>Borrowers make daily repayments, comprising both principal and interest, which are credited to the investor\u2019s account.<\/li>\n\n\n\n<li>The repayments received are automatically reinvested in new loan receivables, allowing investors to benefit from the compound interest effect.<\/li>\n\n\n\n<li>The return is not guaranteed and depends on the performance of the underlying receivables and the chosen vault.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For yield-oriented investors, Modena is an exciting P2P provider which, whilst still relatively new to the market, offers attractive interest rates. Those looking to invest in P2P loans via a tried-and-tested platform are likely to be better off with Go &amp; Grow, which offers rates of up to 6 per cent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Furthermore, with both Go &amp; Grow and Modena, investors are investing in a broad pool of loan shares, which helps to diversify their portfolio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison 2: Go &amp; Grow vs. Modena \u2013 Liquidity<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As with most P2P platforms, liquidity on Modena and Go &amp; Grow also depends heavily on the performance of the individual loans. Nevertheless, there are noticeable differences here, as Go &amp; Grow is now one of the world\u2019s most liquid products in the P2P sector. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For this reason, there <strong>are hardly ever any delays<\/strong> in payouts at Go &amp; Grow. The platform has been delivering very reliably for years. However, even at Go &amp; Grow, delays or limited payouts can certainly occur during exceptional market conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In my experience, withdrawals with Go &amp; Grow always go smoothly. Investors have daily access to their money, which is usually <strong>credited to their account within a few seconds<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For me, this is a clear advantage and probably also one of the reasons why investors are increasingly turning to Go &amp; Grow as a more attractive alternative to <a href=\"https:\/\/northern.finance\/en\/learn-how-to-invest\/savings-account-alternatives\/\">instant-access savings accounts<\/a>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1862\" height=\"464\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-5-7.png\" alt=\"\" class=\"wp-image-343893\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-5-7.png 1862w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-5-7-300x75.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-5-7-766x191.png 766w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-5-7-1024x255.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-5-7-1536x383.png 1536w\" sizes=\"(max-width: 1862px) 100vw, 1862px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">In my view, Modena performs significantly worse than Go &amp; Grow in terms of liquidity. This is because any withdrawal must be notified<strong>31 days<\/strong> in advance if you wish to have your money paid out in full. Anyone wishing to access their money before the 31 days have elapsed must accept a reduction in interest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This makes Modena less attractive for anyone who wants <strong>flexible access to their money<\/strong> and does not wish to tie it up for a long period.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison 3: Go &amp; Grow vs. Modena \u2013 Track Record &amp; Regulation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Investing in P2P loans often comes with a higher return, but also carries a slightly higher level of risk. As an investor, you should therefore always familiarise yourself thoroughly with the risks and security measures of each platform beforehand, so that you can approach wealth-building in an informed and knowledgeable manner.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With Go &amp; Grow and Modena, investors invest in <strong>consumer loans<\/strong>. With Go &amp; Grow, capital is automatically allocated across the Bondora Group\u2019s loan portfolio. With Modena, investors acquire receivables arising from consumer loans granted by Modena. <\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen-blau\"> \n<div class=\"wp-block-group__inner-container\"> <p class=\"nf-boxen-p-lesetipp\"><strong>Good to know: <\/strong><\/p> \n<p class=\"nf-boxen-p\">With Modena, investors automatically acquire shares in receivables arising from consumer loans and \u2018buy now, pay later\u2019 financing. The receivables are purchased at a discount to their face value. The difference between the purchase price and the face value represents the investor\u2019s return.<\/p> \n<\/div><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The capital invested is <strong>not protected by the statutory deposit guarantee scheme<\/strong>. In the event of defaults or problems with the platforms, there is therefore a risk of losses, including total loss.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thanks to its many years of experience, Bondora has successfully weathered a number of <strong>difficult market phases<\/strong>, which speaks to the company\u2019s resilience.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The most relevant market phases include:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The 2008\u20132009 global financial crisis<\/li>\n\n\n\n<li>The 2011\u20132013 European debt crisis<\/li>\n\n\n\n<li>The ECB\u2019s period of low interest rates between 2014 and 2021<\/li>\n\n\n\n<li>The 2020 COVID-19 pandemic<\/li>\n\n\n\n<li>A sharp rise in interest rates since 2022<\/li>\n\n\n\n<li>Various economic and geopolitical market phases<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Modena, on the other hand, still has to prove itself. The platform has only been in existence <strong>since 2024<\/strong> and therefore still has a crisis or two ahead of it, which will show whether its business model stands the test of time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another point of interest for investors is <strong>regulation<\/strong>, and in this respect the two P2P platforms are quite comparable. Both Go &amp; Grow\u2019s parent company, the Bondora Group, and Modena are supervised by the <strong>Estonian Financial Supervisory Authority<\/strong>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1448\" height=\"1086\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-6-7.png\" alt=\"\" class=\"wp-image-343899\" style=\"width:599px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-6-7.png 1448w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-6-7-300x225.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-6-7-768x576.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-6-7-1024x768.png 1024w\" sizes=\"(max-width: 1448px) 100vw, 1448px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">However, neither company is regulated <strong>under the MiFID II licence<\/strong>, which is already the case for platforms such as TWINO. Consequently, from a regulatory perspective, investors tend to lack a certain degree of transparency.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Despite the lack of a MiFID II licence, Bondora is a very transparent provider. With just a few clicks, investors can gain insights into <strong>key loan portfolio statistics<\/strong>, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Breakdown of the active loan portfolio by duration of arrears<\/li>\n\n\n\n<li>Breakdown of lending by country and internal risk assessment<\/li>\n\n\n\n<li>as well as loan defaults in individual countries and their recovery rates<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For a more in-depth look at the Bondora Group\u2019s portfolio statistics, click on this <a href=\"https:\/\/goandgrow.eu\/de\/blog\/bondora-kreditportfolio-statistiken-2026-ein-transparenter-einblick\/\" target=\"_blank\" rel=\"noopener\">article<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison 4: Go &amp; Grow vs. Modena \u2013 Loan portfolio<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The loan portfolio on the Go &amp; Grow P2P platform spans <strong>numerous markets<\/strong>, thereby offering investors broad diversification.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition to its home <strong>market of Estonia<\/strong>, the provider has a strong foothold in its core market of Finland, where the majority of P2P loans are granted. Furthermore, the Bondora Group is working on steadily <strong>expanding <\/strong>into other high-potential markets. These include the Netherlands, Denmark and Latvia.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1200\" height=\"628\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-7-7.png\" alt=\"\" class=\"wp-image-343905\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-7-7.png 1200w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-7-7-300x157.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-7-7-766x401.png 766w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-7-7-1024x536.png 1024w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">With Modena, investors also acquire shares in a larger pool of loans. According to the platform, these loans are <strong>\u201csold in shares to investors<\/strong>, so that no single investor owns a loan in its entirety.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This ensures an even distribution of returns and stability. For example, an investor may own <strong>1 per cent, 5 per cent or 14.63 per cent,<\/strong> and so on, of a loan.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>cumulative investment<\/strong> amount on Modena currently stands at around \u20ac36.7 million, whilst the outstanding amount is \u20ac7.6 million.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By contrast, the <strong>Bondora Group\u2019s<\/strong> active portfolio stands at <strong>approximately \u20ac600 million<\/strong>, which highlights the difference in scale between the two platforms. The Bondora Group also achieved <strong>record turnover<\/strong> of \u20ac62.7 million in 2025, <strong>representing an increase of 19.2 per cent<\/strong> compared with 2024.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Key figure 2025<\/td><td>Bondora Group<\/td><td>Modena Estonia O\u00dc<\/td><\/tr><tr><td>Turnover<\/td><td>\u20ac62.7 million<\/td><td>\u20ac1.63 million<\/td><\/tr><tr><td>Net profit<\/td><td>\u20ac9.5 million<\/td><td>\u20ac231,943<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In terms of profitability, Go &amp; Grow is the clear frontrunner. Nevertheless, I see <strong>potential in Modena<\/strong> and am keen to see how this young P2P lending provider will develop in the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both P2P platforms have <strong>audited annual accounts<\/strong>. However, <strong>Modena\u2019s accounts lack an English translation<\/strong>, which is certainly important for most investors in order to properly understand the key figures.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison 5: Go &amp; Grow vs. Modena \u2013 Features<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With Modena, investors <strong>can only invest from \u20ac50 upwards<\/strong>, which is significantly higher than with Go &amp; Grow, where investors can get involved from as little as \u20ac1. However, there is <strong>no limit<\/strong> on the maximum investment. Investors therefore enjoy complete freedom in this regard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ein f\u00fcr mich spannendes Feature bei Modena, das ich so bei keiner anderen Plattform gesehen habe, ist der <strong>Auto-Payout<\/strong>. Damit legen Anleger nach ihren W\u00fcnschen fest, wie hoch der Zinssatz sein soll, der automatisch am Monatsanfang auf das Konto \u00fcberwiesen werden soll. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"608\" height=\"560\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/image-10.png\" alt=\"Withdrawal methods at Modena\" class=\"wp-image-340777\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/image-10.png 608w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/image-10-300x276.png 300w\" sizes=\"(max-width: 608px) 100vw, 608px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">When it <strong>comes to features<\/strong>, I think Go &amp; Grow\u2019s \u2018Goals\u2019 function is particularly worth mentioning, and I\u2019d like to go into more detail about it.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1200\" height=\"628\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-9-7.png\" alt=\"\" class=\"wp-image-343911\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-9-7.png 1200w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-9-7-300x157.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-9-7-766x401.png 766w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-9-7-1024x536.png 1024w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The \u2018Goals\u2019 feature allows you, as an investor, to structure your <strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Holidays<\/li>\n\n\n\n<li>Emergency savings<\/li>\n\n\n\n<li>New car<\/li>\n\n\n\n<li>Long-term wealth building<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The invested funds continue to generate the current <strong>return of around 6 per cent per annum<\/strong> \u2013 regardless of how many goals are set.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison: 6 Go &amp; Grow vs. Modena \u2013 Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The table below gives you an overview of the fee structures for both products. These are identical in almost every respect. The only differences relate to withdrawals.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Fee type<\/strong><\/td><td>Go &amp; Grow<\/td><td><strong>Modena<\/strong><\/td><\/tr><tr><td><strong>Account opening<\/strong><\/td><td>Free of charge<\/td><td>Free of charge<\/td><\/tr><tr><td>Deposit<\/td><td>Free of charge<\/td><td>Free of charge<\/td><\/tr><tr><td>Invest<\/td><td>Free of charge<\/td><td>Free of charge<\/td><\/tr><tr><td>Buy\/sell fees<\/td><td>Not applicable<\/td><td>None<\/td><\/tr><tr><td>Withdrawal<\/td><td>\u20ac1 per withdrawal<\/td><td>Free of charge<\/td><\/tr><tr><td>Account management<\/td><td>Free of charge<\/td><td>Free of charge<\/td><\/tr><tr><td>Administration fee<\/td><td>None<\/td><td>None<\/td><\/tr><tr><td>Inactivity fee<\/td><td>None<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The fees charged by these two P2P lending platforms highlight just how low the barrier to entry is for getting started with investing. Investors incur virtually no costs for regular use of the platforms. This can make investing in P2P loans particularly attractive, especially for beginners.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is Bondora Go &amp; Grow or Modena the better choice for you?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether Bondora Go &amp; Grow or Modena is the right platform for you depends largely on your individual investment profile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s why Go &amp; Grow is the right P2P platform for you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Experience: With Go &amp; Grow, investors are placing their trust in an experienced player with nearly 20 years\u2019 experience. The company has weathered several challenging market phases and continues to prove itself as a reliable P2P provider to this day.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Diversification<\/strong>: Furthermore, investors on Go &amp; Grow invest in a broad pool of loans, which helps to diversify their portfolio and reduces the risk associated with individual borrowers. <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Targeted wealth accumulation<\/strong>: The \u2018Goals\u2019 feature also gives investors the opportunity to work towards building their wealth in a targeted manner. This allows investors to invest in a structured way and, through automatic reinvestment, let compound interest work in their favour. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>That\u2019s why Modena is the right P2P platform for you:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Potential return<\/strong>: Modena is particularly appealing to investors seeking returns. With the potential for up to 11 per cent interest per annum, the platform offers a rate well above the maximum interest rate of 6 per cent available on Go &amp; Grow. <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Buyback<\/strong>: With Modena, defaulted loans are repurchased by Modena under certain conditions, whereas this is not the case with Go &amp; Grow. This can reduce the risk of individual loan defaults.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Auto-Payout<\/strong>: With this innovative feature, investors can decide for themselves the amount of interest to be automatically transferred to their account at the start of each month. To my knowledge, this feature is unique on the market.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Portfolio comparison: How I invest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I only started investing with Modena in July 2026. The platform is still relatively new to me, which is why I\u2019m going to take a cautious approach to my investment for the time being. My portfolio is currently worth \u20ac530.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"707\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/image-12-1024x707.png\" alt=\"My portfolio at Modena\" class=\"wp-image-340789\" style=\"aspect-ratio:1.4484081319524358;width:615px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/image-12-1024x707.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/image-12-300x207.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/image-12-768x530.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/image-12-1536x1061.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/image-12.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">I have, however, been with Go &amp; Grow for many years now. On this P2P platform, I have invested the largest proportion of my funds, alongside my investments in Monefit SmartSaver and Debitum. My Go &amp; Grow portfolio is currently just under \u20ac13,000. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1000\" height=\"575\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-11-6.png\" alt=\"\" class=\"wp-image-343918\" style=\"aspect-ratio:1.5957868729885245;width:657px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-11-6.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-11-6-300x173.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/Grafik-11-6-767x441.png 767w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">My <strong>interest income<\/strong> from Go &amp; Grow totalled <strong>\u20ac297.34<\/strong> in the first half of 2026. That works out at just under <strong>\u20ac50 a month<\/strong> on average, which I earn passively through my portfolio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can read more about Bondora and the Go &amp; Grow platform in my latest <a href=\"https:\/\/northern.finance\/en\/review\/bondora-review\/\">Bondora review<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: Newcomer vs. veteran \u2013 each appeals to different types of investor<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Go &amp; Grow is one of Europe\u2019s P2P veterans and has been impressing with its reliability for many years. Investors currently receive up to 6 per cent interest on consumer loans from the Bondora Group and have their funds paid out within a few seconds. However, there is currently no option to earn a higher rate of interest for longer terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Modena, on the other hand, is a newcomer<\/strong> with a very short history and still has to prove itself in the coming years. In return, <strong>yield-seeking investors<\/strong> can earn up to 11 per cent a year on this P2P lending platform. Furthermore, the P2P lending provider offers innovative <strong>features <\/strong>that have never before been seen on the European market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The barrier to entry is low on both platforms. Investors incur virtually no costs and invest in a <strong>pool of loans<\/strong>. The right platform for you therefore depends more on whether, as an investor, you prefer to rely on proven expertise or give new providers with growth potential a chance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">My latest <a href=\"https:\/\/northern.finance\/en\/p2p\/the-big-p2p-loan-comparison\/\">P2P lending ranking<\/a> gives you an overview of the best and safest platforms. Have a look now and find out more.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FAQ: When is Bondora Go &amp; Grow worth it, and when is Modena the better choice?<\/h3>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-2abcbc08 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-5badf689 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong><strong>What are the interest rates for Bondora Go &amp; Grow compared with Modena?<\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Investors in Bondora Go &amp; Grow currently receive a target return of 6 per cent per annum, whilst investors in Modena can earn up to 11 per cent per annum.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-213eb57b \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>How secure are<\/strong> <strong>Bondora Go &amp; Grow and Modena?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Bondora has been in existence since 2008, meaning the company has already successfully weathered several difficult market periods. Furthermore, the company is highly liquid. Nevertheless, there is still a risk of losses here too.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-55fd4fd9 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong><strong>Which platform is better suited to generating high returns?<\/strong><\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>With Modena, investors currently receive up to 11 per cent interest per annum. However, this is a target return. The actual return depends on the performance of the loan portfolio.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-b0c1fb2e \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Which platform is best for beginners?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>If you\u2019ve never tried P2P lending before, Go &amp; Grow is a great place to start. The platform is one of the largest in Europe and has several years\u2019 experience in the market.<\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>P2P lending offers investors comparatively high returns with minimal effort. At the same time, there are differences in interest rates, the liquidity of individual platforms, and in terms of flexibility and experience. For this reason, today we\u2019re taking a look at Bondora Go &amp; Grow, one of the most experiencedP2P lending providers on the market, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":341071,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1017],"tags":[],"class_list":["post-343718","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-review"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/modena-vs-go-and-grow-thumb.png",1280,720,false],"thumbnail":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/modena-vs-go-and-grow-thumb-150x150.png",150,150,true],"medium":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/modena-vs-go-and-grow-thumb-300x169.png",300,169,true],"medium_large":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/modena-vs-go-and-grow-thumb-768x432.png",768,432,true],"large":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/modena-vs-go-and-grow-thumb-1024x576.png",1024,576,true],"1536x1536":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/modena-vs-go-and-grow-thumb.png",1280,720,false],"2048x2048":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/08\/modena-vs-go-and-grow-thumb.png",1280,720,false]},"uagb_author_info":{"display_name":"Aleks Bleck","author_link":"https:\/\/northern.finance\/en\/author\/phil-nf\/"},"uagb_comment_info":0,"uagb_excerpt":"P2P lending offers investors comparatively high returns with minimal effort. At the same time, there are differences in interest rates, the liquidity of individual platforms, and in terms of flexibility and experience. For this reason, today we\u2019re taking a look at Bondora Go &amp; Grow, one of the most experiencedP2P lending providers on the market,&hellip;","_links":{"self":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/343718","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/comments?post=343718"}],"version-history":[{"count":5,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/343718\/revisions"}],"predecessor-version":[{"id":343928,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/343718\/revisions\/343928"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media\/341071"}],"wp:attachment":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media?parent=343718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/categories?post=343718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/tags?post=343718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}