Mocasa review 2023

Is Mocasa a great platform for P2P lending? Find out in our Mocasa review below:



  • Try out Mocasa with €5,000 test funds
  • Buyback guarantee on all loans
  • Exposure to emerging markets
  • Zero fees for investors
  • Auto-invest is available


  • Short track record
  • Only one loan originator
  • Little financial data on the company

Review summary:

Mocasa is an excellent platform for investors seeking to invest in loans from Asia. All loans on the platform are covered by a 30-day buyback guarantee that secures you against loan defaults. You can invest automatically with auto-invest and there are 0 fees on the platform for investors. The biggest downsides are little financial data about Mocasa and a short track record. You can try out Mocasa risk-free with €5,000 in trial funds.

It’s free to use the platform.

At, we strive to list only the absolute best companies in the P2P industry. Where appropriate, we also feature our partners. This doesn’t influence our evaluations. All opinions are our own.

Introduction to our Mocasa review

Are you considering investing via Mocasa? Then read on. We’ve written this review to help investors determine if Mocasa is the right choice for them.

Below you will find an overview of the things that we will discuss more in detail in this Mocasa review. Simply click on the links to jump directly to the thing you want to know more about.

Learn about this in our Mocasa review:

What is Mocasa?

Mocasa is a P2P lending platform focused on funding consumer loans in Asia.

100% of the loans are secured with a 30-day buyback guarantee – a key feature that will be explained later in this review.

Mocasa loan list

All loans on the platform originate from Mocasa Group. The group operates in the Phillippines, Vietnam, India, Thailand, Bangladesh, and Pakistan. Over 1 million borrowers have used Mocasa since 2019. was launched by Mocasa Group in September 2021. The purpose of is to get funding from European investors for the loans that are issued in Asia. Mocasa Group is fully owned by Thor Group – an internet services group based in Singapore.

The platform will gradually feature more assets such as corporate debt and private equity of fast-growing internet companies affiliated with Thor Group.

The average annual return on Mocasa is 13.40%.

With as little as €10, you can open an account and start investing on

You can also try the platform with €5,000 in trail funds.

Mocasa statistics:

Loan Type:Consumer
Loan Period:2 – 24 Months
Loans Funded:€ 200.000.000 +
Mocasa Users:1 +
Minimum Investment:€ 10
Maximum Investment:Unlimited
Mocasa Interest Rate:13.40%

How Mocasa works

The Mocasa works by connecting investors from Europe with borrowers in Asia. This happens via the lending infrastructure built by Mocasa Group and Thor Group.

How Mocasa works is illustrated below:

How Mocasa works
  1. Mocasa Group issues a loan to a borrower in Asia
  2. The loan is listed on (Mocasa investment)
  3. Investors invest in the loan on
  4. Funds are transferred to Mocasa Group
  5. The borrower in Asia repays the loan to Mocasa Group
  6. Investors are repaid by Mocasa

Frequently asked questions:

Peer-to-Peer lending platforms are a great alternative to investments like real estate, stocks, bonds, etc. This is due to the fact that P2P lending can provide further diversification to your overall investment portfolio while offering higher historical returns than traditional investments. In recent years it has not been unusual to see stable returns of over 10% annually.

All investing includes risks. However, Mocasa has done a lot of effort to make investments on its platform as safe as possible. In our Mocasa review, you can learn more about platform safety in this section.

We haven’t been able to find any financial reports to verify the profitability of the platform. This is probably due to the fact that Mocasa is still a very young P2P lending platform.

  1. Create an account.
  2. Transfer money to your account.
  3. Set up Mocasa auto-invest or invest manually.
  4. Log in to your account from time to time to check on your investments.

Key features

We have already taken a look at some of the reasons why Mocasa has become a popular choice among investors. In the following, we take a closer look at some of the key features that make it easy to invest via the P2P lending platform:

1. Mocasa BuyBack guarantee

Mocasa offers a 30-day buyback guarantee on all loans.

This means that in case the borrower is more than 30 days delayed with repayment, the loan claim right will be bought back by the loan originator.

The investor will be repaid both the invested principal and accrued interest. The accrued interest is calculated from the investment date to the day of buyback.

2. Mocasa trail funds

Mocasa offers investors to try the platform with trail funds. This makes it possible for investors to test out the platform without any risk.

You can get €5,000 in trail funds by simply making a Mocasa account on

3. Mocasa auto-invest

Most investors prefer not to use time manually selecting loans. To avoid this, you can use the Mocasa auto-invest feature.

To use the Mocasa auto-invest tool, do the following:

  1. Sign up on
  2. Log in to your account
  3. Set up criteria for auto-investing

It is recommended that you use auto-invest in order to save time on investing.

4. Mocasa cashback bonus of 1%

Mocasa offers a 1% cashback bonus. The bonus is calculated from the amount invested during the first 90 days after signing up via an affiliate link.

All you have to do to get the 1% bonus is click the button below (that includes an affiliate link):

Who can use Mocasa?

Both individuals and companies can invest via Mocasa.


Individuals wanting to invest via Mocasa are required to:

  • Be at least 18 years old
  • Have a bank account in the EU or UK

If you can meet the requirements above, then you can probably start investing via the platform.


If you own a company, you can also use it to invest via Mocasa.

Just make sure to select “corporation” when signing up and follow the instructions.

Available countries

Mocasa is only available to investors that live in the EU and UK.

If you are looking for a similar platform that is available outside of Europe, you should check out Mintos, Lendermarket, or Bondster.

How safe is Mocasa?

To determine if Mocasa is safe, we have taken a look at some of the potential upsides and downsides of investing with Mocasa. 

1. Mocasa profitability

We haven’t been able to find any financial reports to verify the profitability of the platform. This is probably due to the fact that Mocasa is still a very young P2P lending platform. We hope to see financial reports from the platform in the near future.

2. Main risks

In the following, we go through some of the main risks of using Mocasa that we have considered:

Loan default risk

When you invest in P2P loans, there is a risk that the borrower will not be able to repay his loan. In that case, your investment is usually lost.

All loans on the Mocasa marketplace have a buyback guarantee that secures you against this type of event.

The buyback guarantee is provided by the loan originators on the platform.

The best way to secure yourself against the loan default risk is to invest in many different loans as possible.

Loan originators risk

The loan originators also pose a risk to investors. If they are not in control of their finances, have poor management, or the like, then they run the risk of going bankrupt like any other business. This can mean that they end up being unable to exercise the buyback guarantee.

Since you will currently only find one loan originator on the platform, the best way to protect yourself against the loan originator risk would probably be to use multiple of the best P2P lending platforms in Europe.

Mocasa bankruptcy risk

As with any business, there is a risk of Mocasa going bankrupt. Like most other platforms, Mocasa has made measures to protect investors against this type of event.

In case of bankruptcy, a third party will take over the management of all investments and all uninvested funds will be returned to the investor. The legal relations between the loan originator and the investor will remain intact.

Financial turndown risk

As P2P investing is a newer thing in the investment world, it can be difficult to predict how a financial turndown would affect this form of investment. As a starting point, it is, therefore, a really bad idea to invest your entire investment portfolio in P2P investments.

Therefore, many investors also choose to diversify into more traditional forms of investment such as equities, bonds, and traditional real estate.

Since investing is an individual thing, we obviously do not know what will be best for you. But if you put together your investment portfolio, make sure that it reflects your knowledge of the investments in it, as well as your own risk appetite. If in doubt about how to do so, make sure to seek help from a professional investment planner.

Is Mocasa safe?

Mocasa seems quite safe. They have implemented a buyback guarantee on all loans on the platform. This protects you against loan defaults.

Mocasa is also owned by larger companies with millions of customers. Unfortunately, we haven’t been able to find any financial reports to check out the financial situation of either, Mocasa Group, or Thor Group.

Other factors such as lack of knowledge about how a financial turndown will affect the P2P lending industry are also risk factors that are worth considering.

Our experience with Mocasa is a very user-friendly P2P lending platform. This makes it suitable for both beginners and more experienced investors.

The website is easy to navigate and nothing is really too complicated on the P2P lending platform.

We also like the fact that is owned by Mocasa Group which has granted loans to +1 million borrowers.

Mocasa reviews on Trustpilot

Trustpilot is a great place to learn what other people think of Mocasa. We have collected some relevant Mocasa reviews from Trustpilot for you to take a closer look at:

There are currently no relevant Trustpilot reviews of Mocasa.

Best Mocasa alternatives

Not sure Mocasa is the right choice for you? Then there are also some good Mocasa alternatives to consider. The following are some of our favorites:

Even if you use Mocasa, it might actually be a good idea to take a closer look at some of the above platforms. By using multiple alternative investment platforms, you can reduce your platform risk and diversify your portfolio further.

Conclusion of our Mocasa review

Mocasa is an excellent P2P lending platform for investors wanting to invest in loans from Asia.

All the loans on Mocasa are covered by a 30-day buyback guarantee that can protect you against loan default.

Unfortunately, there is only one loan originator on the platform and little financial data about it. This makes it difficult to diversify between loan originators on the platform. You could benefit from supplementing Mocasa with other platforms to reduce the loan originator risk.

The platform itself is very user-friendly and has features such as auto-invest for automating your investments. You can even try out the platform with €5,000 in trail funds.

Overall, Mocasa is one of the best crowdlending platforms right now for getting exposure to loans in different Asian countries.