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Asterra Estate launches its new claim rights platform

In this blog post, we explain how the claim rights model and the new platform work, and what this means for existing users who have already funded projects on Asterra Estate, as well as potential new users considering joining the Asterra Estate community.

Why we're making this change

We're making this change to provide everyone using Asterra Estate with a clearer and more legally robust structure. The claim rights model is one of the most widely used legal frameworks in the P2P industry and has been used for funding purposes for more than a decade.

Under the claim rights model, users no longer lend directly to the platform company. Instead, they purchase claim rights - the right to receive the principal and interest of an already issued loan. Each purchase comes with an assignment agreement that defines the user's rights, while the platform operator remains separate from the underlying loans.

As a next step, we have started preparations with the aim of becoming a regulated platform between Q4 2027 and Q1 2028, depending on the duration of the regulatory process.

How we will operate

From today, two systems operate side by side within the same Asterra Estate platform, sharing the same goal: funding the development of Asteres Village and related projects.

• The existing system, operated by Asterra Estate OÜ in Estonia, continues to service all loan agreements concluded so far. User existing loans remain there under their original terms.
• The new system, operated by ASTERRA ESTATE d.o.o. in Croatia, is where all new funding activity takes place. Funding for Asteres Village and related projects, such as the CLT factory, continues here through the claim rights model.

Both systems are accessible to users via www.asterra.estate.

Two Systems, Side by Side: What’s Different?

Additional information on how both systems work:

• Payout or Compound. Each project offers one of two interest payout structures:
  • Payout - interest is paid to the user's balance every month.
  • Compound - interest accumulates and is paid together with the principal at maturity.

Interest rates differ between the two, so users should check the applicable rate before purchasing claim rights.

• Monthly interest date. Interest is paid on the same day of each month as the claim right was published. For example, a claim right published on 12 November has its first interest payment on 12 December.
• Withdrawals. Users can add funds by bank transfer and withdraw amounts starting from €10. Withdrawals are processed within three business days to the same bank account used for the transfer.
• Liquidity. Secondary purchases are planned to launch during December 2026.
• Bonuses. The platform offers several bonus programs:
  • Loyalty levels - based on the user's portfolio size, with loyalty status available in the User Dashboard.
  • Cashback bonuses - available for selected claim rights purchases.
  • Refer-a-Friend - rewards for active users who invite new participants to the platform.

What Does This Mean for Existing Users?

For all existing users, all loan agreements remain valid and continue under their original terms and conditions. Interest payments, loan repayments, cashback benefits and withdrawal options remain unchanged. Existing loans will continue to be serviced through the current system until they are fully repaid.

From now on, no new projects will be published in the existing system, meaning that users will no longer be able to fund Asteres Village projects through this system.

Existing users will also have the opportunity to voluntarily migrate their funds to the new claim rights platform and continue funding the development of Asteres Village or use the features available on the claim rights platform.

Migration will be entirely optional, and special conditions will be offered to users who choose to migrate.

Existing users will be informed separately about the migration opportunity, its conditions and the steps involved.

Once the houses funded by existing users through the current platform are built and sold, a funds reallocation process will be offered, with migration to the new claim rights platform as one of the available options. This process is currently being developed, and users of the specific projects will be informed separately.

And now let’s look into the claim rights model

A claim right is the right to receive the principal and interest of a loan that has already been issued. Instead of lending directly to the platform company, you buy claim rights from the loan originator.

On Asterra Estate, the loan originator is NEXASSET OÜ, the group's financing company in Estonia. It issues loans to the Borrower company, which uses the funds to finance the development of Asteres Village and related projects.

ASTERRA ESTATE d.o.o. operates as the marketplace, facilitating transactions between platform users and the loan originator. The marketplace itself does not issue loans or claim rights.

Unlike the existing system (based on loan agreements), where users could choose to fund the construction of a specific house, the new claim rights platform offers users purchase claim rights linked to financing a specific stage of Asteres Village's development, rather than individual houses.

This means that repayments follow the loan's agreed repayment schedule, rather than depending on the sale of individual homes.

Claim rights offered on Asterra Estate are unsecured but benefit from a group guarantee. This means that while the underlying loans are not backed by specific collateral, an additional layer of protection is provided through the group guarantee.

As with any claim rights purchase, risks remain, including potential delays in repayments or partial or full loss of funds. The group guarantee does not eliminate these risks or guarantee repayment.

How to start

Registering and using the new platform works much like other claim rights platforms in the P2P industry:

1. Create an account. Visit asterra.estate and click Sign Up, or use the sign-up notice in the current dashboard.
2. Complete KYC. Users can verify their identity online, directly in their account, with guidance through each step.
3. Top up the balance. Transfer funds from a bank account in the user's name. The funds appear on the user's balance once the transfer arrives.
4. Choose a project. Explore interest rates, maturity dates and loan details, and choose between Payout and Compound.
5. Buy claim rights. Confirm the purchase. The first purchase starts from €500, with subsequent purchases starting from €100.
6. Get the agreement. The assignment agreement is issued automatically and is available in the user's account.

Launch cashback - all claim rights available at launch come with 1% instant cashback. Terms are included inside the claim rights description!

If you have any questions or would like to discuss these updates further, please reach out to us at [email protected].