Vaults drive deeper engagement in three-year-old retail investment product; cumulative investor returns quadruple to €13.2 million.
Creditstar Group, the European consumer-credit and investment fintech, marks three years of Monefit SmartSaver, its retail and corporate investment product available in 31 European markets. Launched in October 2022 under the Group’s Monefit brand, SmartSaver has entered a phase of faster growth over the past year, as investor participation and inflows increased.
SmartSaver is an investment product with a 7.5% annual baseline, compounded daily. The Vaults, introduced in March 2024, offer higher yields up to 10.52% in exchange for locking in the capital for longer fixed-term periods between six and 24 months.
By the end of September, SmartSaver served almost 26,000 investors, an increase of 62% year-on-year. Over the same period, cumulative returns paid reached €13.2 million, representing a 308% increase, underscoring steady delivery and growing engagement.
Adoption of Vaults has been a key driver behind this growth. More than 36,000 fixed-term positions are now open, over three times the level of the year before. This indicates a shift towards multiple positions with varying maturity terms for many investors and a preference for predictable returns alongside the main account.
Creditstar Group originates consumer credit under the Creditstar and Monefit brands across eight European markets. SmartSaver investments are allocated across a diversified pool of the Group’s consumer loan portfolio, giving retail investors access to its established financial infrastructure and extensive market experience.
“SmartSaver was built to make high-quality investment opportunities accessible to everyone, not just institutions,” said Aaro Sosaar, the CEO of Creditstar Group. “With daily returns, fixed-term Vaults, and a clear, intuitive experience, we’re helping individuals and businesses across Europe grow their money with confidence.”
As SmartSaver enters its fourth year, the Group plans to introduce a dedicated Monefit mobile app and new product offerings that broaden functionality within the same intuitive platform.
SmartSaver is one part of Creditstar Group’s diversified funding strategy, alongside corporate bonds and institutional partnerships. This multi-channel approach strengthens the Group’s balance sheet and supports steady growth across its eight European markets.
