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Early Exit is active for some projects

In just seven months, Asterra Estate has grown into a strong community of over 700 active lenders, with nearly €5 million already committed to the project's development.

To make the investment process more flexible and comfortable, the Early Exit option has become one of the key elements of the Asterra Estate platform. This feature is designed to provide investors with additional liquidity and greater control over their capital.

As of December 9, the Early Exit is active for the first projects within the Asterra Estate.

So how does Early Exit work in practice, and what should investors be aware of before using it? We break everything down below.

How does Early Exit work?

• The Early Exit feature becomes available 6 months after a project is published.
• A lender can request full or partial loan repayment using the Early Exit function.
• Principal repayment occurs only when other lenders fund the same project for the requested amount.
• From the moment the lender activates Early Exit until it is fulfilled, the lender continues to earn interest on the requested amount.
• If a lender with activated compound interest functionality wishes to exit the full amount from a particular project, it must turn off the compound functionality. Otherwise, the principal amount in this project will continue to grow while the amount requested for the Early Exit is pending.
• If a lender has a pending Early Exit request, this lender cannot make a new loan in this project.
• If multiple lenders request an Early Exit from the same project, the requests are processed chronologically - the earliest request is fulfilled first.
• Lenders can cancel their pending Early Exit requests at any time.
• If the request is cancelled after it has already started to be funded, a partial repayment (equal to the funded amount) is made, and the rest stays at the project.
• If the Early Exit request is processed before the project's maturity date, the unsecured cashback bonuses will be deducted proportionally to the requested Early Exit amount.

The secured cashback is calculated in the following way:

CB rate / Total loan period * Loan amount*Days, where:

☑️ CB rate - project's cashback rate;

☑️ Total loan period - period from the investment/cashback receipt day till the loan maturity date (actual number of days rounded up, i.e. if invested on day 1 at 23:00 and the maturity date is day 2, then it still counts as 1 day)

☑️ Loan amount - your loan amount applicable with cashback

☑️ Days - days since the lending day

• Once the Early Exit request is processed, the unsecured cashback is deducted from the amount of the processed Early Exit request as a wallet-side transaction Cashback Deduction.
• If the lender exits partially, the unearned cashback is deducted proportionally from the processed Early exit amount.
• In the tax report, the deducted amount is marked as a capital loss.

Affiliate bonus limitations:

• If the user has a processed early exit, it no longer receives the Affiliate bonus.

Example

To better illustrate how Early Exit works, here’s an example:

On June 10th, 2025, Thomas funded the Draugu 11 project with € 5000. The project’s maturity date is June 9th, 2030. Thomas also received a cashback bonus of € 250 that was compounded, which makes his total outstanding amount in this project € 5250.

The Early Exit function becomes available for this project on December 9th, 2025.

On December 10th, Thomas decides to withdraw €2,625 due to unexpected expenses. He activates the Early Exit feature and specifies the amount. Please see the steps below:

Step 1

Go to the particular project’s investment card and press the Early Exit button:

Step 2

Enter the amount you wish to withdraw from the project and press the Request button:

Step 3

See your pending Early Exit requests:

The Draugu 11 project becomes available again in the INVEST section to other lenders the same moment. It now shows an open funding volume of €2,625 (funding volume will be the total amount of all unfilled active Early Exit requests in this project).

Thomas continues to earn interest on the whole amount (€5,250) while his request is pending.

On December 11th, another lender, Laura, funds €1,000 into the Draugu 11 project. Thomas remains an option to cancel the part of the request that is not yet filled in.

Thomas decided not to cancel the Early Exit request, and on December 12th, he continues to earn interest on the full requested amount.

On December 13th, another lender Mariana funds the remaining €1,625, and Thomas’s Early Exit of €2,625 is now fully completed. After receiving it in the Wallet, €117.87 is deducted.