7Harvests Review 2026: A Promising New Swiss P2P Platform?

The short version

This is a research-based first review. I have not yet completed a full investment and withdrawal cycle on 7Harvests, so the returns below are platform figures rather than my personal results. Based on the product, team and legal structure, I like the platform. The offer is simple, the €50 minimum is accessible, and the people behind it have relevant P2P experience.

What 7Harvests is in 2026

7Harvests connects investors with consumer, small-business and real estate loans across several countries. Investors acquire assigned claims under loans arranged through the platform. 7Harvests then administers payments, represents investors during collection and acts as collateral agent when security is attached to a loan. It is an intermediary, not a bank.

The operator is 7 Harvests AG, registered in Zug under CHE-356.409.118. The company was incorporated in April 2024 as Toucan Technology Solutions AG and renamed 7 Harvests AG in March 2026. Its founder and chairman, Ričardas Vandzinskas, previously co-founded and led Hive5. The current Swiss board also includes Kurt Schöllhorn.

Founder Ričardas Vandzinskas previously co-founded and led Hive5 before launching 7Harvests.

The wider team also lists previous experience at SEB, Danske Bank, Barclays, Debitum, Hive5 and Bondora. For a new platform, that background matters: the team is not learning lending and P2P operations from zero.

Availability is currently focused on Switzerland. The General Terms say the service is primarily directed at Swiss residents, although investors from other eligible countries may also be accepted subject to local rules. US citizens are excluded.

Returns, fees and how investing works

The basic workflow is familiar: complete identity verification, deposit EUR or CHF, select loans manually or configure auto-invest, then receive interest and principal into the platform balance. Interest is normally paid monthly unless a listing specifies another schedule. Public material describes terms from roughly 6 to 60 months.

The public offer is straightforward: investors can start from €50, advertised returns reach up to 15%, and both manual selection and auto-invest are available. The actual rate, duration, repayment schedule and protection attached to an investment are set out on the individual project page, so those project terms should remain the basis for every decision.

The platform does not advertise an investor commission for deposits, investments or withdrawals. External banks and payment providers may still charge transfer or currency-conversion fees. Uninvested cash can be withdrawn to the verified bank account, but active loans should be treated as held to maturity.

The terms provide a legal framework for a secondary market, but I would still plan to hold investments until repayment. That is how I approach most P2P loans, regardless of whether an exit feature exists.

The 7Circle programme adds loyalty and referral bonuses for investors meeting higher balance and referral thresholds. It is useful for active users, but I would still compare projects using the base rate and diversify across loans.

Is 7Harvests safe?

7Harvests combines borrower assessment, originator buyback and a second platform-level protection layer.

Segregated accounts

7Harvests says uninvested client money is held separately from operating capital. This is useful protection while cash is waiting to be invested. It does not protect money already transferred into a loan, which remains exposed to the borrower, originator, collateral and servicing structure.

As with other P2P platforms, client balances are not covered by deposit insurance. The important point is that uninvested money is segregated from operating capital, which is the structure I want to see.

Buyback and recovery

Under the General Terms, the loan originator must buy back a claim after the underlying borrower is more than 60 days overdue, including accrued interest. 7Harvests markets a second platform-level layer if the originator cannot perform. It also says it keeps a minimum 10% cash-to-portfolio ratio from operational liquid capital.

The second buyback layer is one of the strongest parts of the offer. The originator covers the first 60-day default trigger, and 7Harvests adds a platform-level backstop if the originator cannot perform. It is not a capital guarantee, but it is a better recovery structure than relying on the borrower alone.

Regulation and governance

The governance structure combines a Swiss company, named board, AML controls, external audit and SRO oversight.

The only point that needs a cleaner explanation is the precise stage of the VQF relationship. Different public pages refer to SRO alignment, an application in progress or active supervision. One status update across the site would resolve this.

VQF supervision primarily covers anti-money-laundering compliance. FINMA explains that SRO membership is different from direct prudential supervision. 7Harvests publishes its company, board, AML function and audit information publicly, which is more disclosure than I usually see from a newly launched platform.

The published financial statement

7Harvests publishes an external audit, which is unusual for a platform at this stage. The audited statement covers the predecessor entity through 31 December 2025, before the 7Harvests name and public launch. It is a pre-launch snapshot, not a report on the current operating platform.

At that date, the company reported CHF 17,405 in assets, CHF 12,305 in equity, no operating revenue and an annual loss of CHF 87,695, alongside an auditor's capital warning. Those numbers belong to the development period. The next useful document will be a post-launch balance sheet showing the capital behind the operating business and its second buyback layer.

7Harvests vs established alternatives

The most useful comparison is not which platform advertises the highest rate. It is what evidence exists behind each marketplace.

Mintos, Debitum and EstateGuru have more historical data. 7Harvests has a lower entry point than many real-estate platforms, three loan categories and a team that already knows the P2P market. I see it as a small diversifying allocation alongside established platforms, not a replacement for them.

Pros and cons

FAQ

Verdict

7Harvests is a strong launch. The product is easy to understand: start from €50, choose consumer, SME or real estate loans, earn up to 15%, and use manual selection or auto-invest. The founder has already built in European P2P, and the Swiss company publishes more governance information than most new platforms.

I have not completed a full investment cycle yet, so I am not assigning a personal return or long-term rating. The missing piece is time: repayments, recoveries and withdrawals need to build the track record that the product itself already suggests.

Would I sign up today? Yes — with a small, diversified allocation. I like the €50 entry point, the mix of loan types and the two-level buyback structure. If 7Harvests follows this launch with clear portfolio statistics and consistent execution, it can become a serious part of a European P2P portfolio.

You can explore the current investment opportunities directly on 7Harvests.