The peer-to-peer lending portal operated by Žltý melón is an innovative concept in the world of finance, which revolutionises the old way of banking. Peer-to-peer lending makes possible for people to bypass the bank and lend their money , directly to people who want to borrow it. By cutting out the expensive intermediaries, borrowers benefit from cheaper loans and investors earn much higher returns on their savings, as they keep all the profit.
Žltý melón was founded in Slovakia at the end of 2012 as the first p2p lending platform in the country and it provides a range of activities, such as comprehensive risk assessment of borrowers, legal framework and administration of contractual documents, monitoring and management of loans and investments, recovery in case of non-payment and others.
Žltý melón means 'yellow melon' in Slovak - now you know! What does that have to do with loans? 'Melón' is also a commonly used slang term for money, but there is much more to our name and our company than that! We have a fresh vision for p2p lending, which is pure, simple and fair.
Žltý melón is not a non-bank lender providing expensive loans, nor is it a bank. Žltý melón is a financial portal through which people lend money directly to each other. It is direct, transparent, and simple, cutting out the expensive intermediaries.
Peer-to-peer lending makes possible for people to lend their money , directly to people who want to borrow it. By lending money directly to other people in this way, without involment of banks and other expensive intermediaries, borrowers benefit from cheaper loans and investors earn much higher returns on their savings, as they keep all the profit. Investors spread and diversify their investment among several borrowers and set conditions under which they are willing to lend. Borrowers have a chance to accept or reject these conditions. Simply put, with p2p lending, everybody wins!
Banks have played an important role in history, but p2p lending offers a new way to borrow and save money that is better for people and better for the global economy. People are using p2p lending platforms like Žltý melón for a few simple reasons:
- With p2p lending you cut out the expensive intermediaries and the benefit of p2p lending stays with the people that finance it, rather than going to the shareholders of global financial firms
- Borrowers get a better deal than with banks or other lenderss
- Investors earn more money than with traditional savings accounts or other investments
- Lending on p2p platforms is transparent and gives people control over who they lend to, how much they earn and what their money is used for
- By investing on Žltý melón you are choosing to support a human type of financial system, where people help people
The first p2p portal in the world was British Zopa founded in 2005. After its enormous success and popularity among people, other companies offering these services began to emerge in the world. The model of Peer-to-peer lending is already well-known and spread all around the world. English Zopa, German AuxMoney, American Prosper and Lending club are just some of the successful leaders. Today, p2p lending platforms are operating successfully in almost every country in the Western world.
Žltý melón has been operating successfully since 2012, we have a proven business model and portfolio that provides high returns for our clients.
We have been founded by group of people with extensive experience in finance and investment management. Žltý melón has been further strengthened by a team of credit analysts with extensive experience in credit risk management, as well as leading IT security specialists and top marketing experts.
In 2015 Žltý melón successfully completed its series A investment round, raising the capital needed to strengthen its position and expand its activities across the EU. The Series A investment round was sponsored by the EU-investment fund programme JEREMIE, which is a joint initiative between the European Commission and the European Investment Bank, established in 2007 as part of the European Investment Fund, with the aim of providing start-up and expansion capital to innovative and commercially attractive small and medium sized enterprises. The fund focuses on investing in companies that can demonstrate a technological advantage or unique business model and that possess products or services of an innovative nature.
You can find more information in the section About us.
Žltý melón is operated by Slovak companies iService, a.s. and iSale, v.o.s.. If you are an investor you enter into a contractual relationship with the company iService, a.s., which will provide all services connected to your investment. If you are a borrower, your main contractual partner is company iSale, v.o.s. which covers all activities in regards of obtaining loans.
When you decide to invest in a loan and after its successful completion, iService, a.s. will ensure the signing of the loan agreement on your behalf and the transfer your investment to the borrower's account. This will create your direct contractual relationship with the chosen borrower, but all discreetly, without disclosing your personal data. When repaying the loan by the borrower, iService, a.s. will ensure the collection of the instalments to your Žltý melón account or will transfer these funds to your personal bank account on request.
Žltý melón has been successfully operating since 2012 and it generates an operating profit. This possibility is therefore very unlikely. But if that were to happen it does not terminate your investment or legal rights to collect repayments from the borrowers whose loans you have invested in.
iService, a.s. company works as a loan intermediary and only administers loans rather than providing credit directly to borrowers and we have developed an internal plan for such a crisis situation. Also as loan administration is the main business activity of the company, the possible trustee in bankruptcy would be required to manage the continuation of these activities for clients, or find another solution for the company’s existing clients, the most likely form of which would be to transfer the administration of these existing loans to another relevant subject. Investors would be entitled either to assume management of the loans themselves, or could agree to the solution suggested by the trustee in bankruptcy, which would mostly likely be to allow a 3rd party to oversee the administration and repayment of the loans that were funded by the investor.
It is also important to know that money which you have not yet invested in loans, if iService a.s. was to terminate its existence, would be still held in your virtual Žltý melón investment account, and it is not the property of Žltý melón. These funds are deposited in a bank account that is strictly separated from other bank accounts held by the company and are the sole and exclusive property of the investors that originally deposited them. These funds are also covered and protected by the deposit guarantee scheme, as determined by the current wording of the Czech Act No. 21/1992 Coll. on banks, as amended.
More information about the deposit guarantee scheme can be found on the website www.fovsr.sk.
Although all the users on our platform are anonymous and their
personal data is not disclosed, Žltý melón must identify each investor and
borrower. This will ensure your proper legal protection and effectiveness of
all transactions executed on our portal.
You may be confident that behind every single loans application you invest in is a real and specific person and vice versa, behind every loan you take with us are real people.
Providing your personal data to Žltý melón is a prerequisite for entering into contractual relationship and fulfilling our contractual obligations to you, but also for fulfilling our legal obligations. The information you provide to us during the registration process and when filling out the loan application is for these purposes only.
We process common personal data - identification data, contact details, data and documents demonstrating the ability to repay the loan and fulfill contractual obligations, or other data to the extent appropriate to the applicable legal regulations.
All personal information you provide us is processed in accordance with the Slovak law no. 18/2018 on the protection of personal data, Regulation 2016/679 of the European Parliament and of the Council from the 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data (GDPR) and other applicable rules.
Your personal details will be processed during the existence of the contractual relation with us and also after termination for the period necessary to execute our legal rights and obligations for at least 10 years from the termination of the contractual relationship. After this time, unnecessary personal information will be discarded.
If you do not enter into a contractual relationship with us, your personal data will be processed within 12 months from their reception. After this time, unnecessary information will be discarded unless further processing is regulated by law.
You may request the deletion of your personal data or revoke your data processing consent by writing at our company's registered office or by email sent to us at zltymelon@zltymelon.sk
Žltý melón provides wide range of services connected to portal operation, comprehensive risk assessment of borrowers, legal framework, and administration of contractual documents, monitoring and management of loans and investments, recovery in case of non-payment and others.
Žltý melón only charges fees for its services from successful loans and investments.
Fees that Žltý melón charges for its services are transparent. You do not pay any fees for using of our system, for applying for a loan, or for realization of your investment. The main fee is charged only in case of successful processing of the loan, or for managing investments and only successful ones. We do not charge you any hidden fees and the contracts do not contain any other additional costs or non-transparent conditions.
You can find an overview of our fees in the section How we make money.
If you have forgotten your username to log in to the system, contact us via email at zltymelon@zltymelon.sk or through the Help form. Write us your name and use the email by which you are registered in the system.
Find a link saying I forgot my password on the Login page. After pressing it, enter your username and email. The system will send you a new temporary password by SMS message to your phone.
For your security, after entering several incorrect login credentials, your user account will be automatically blocked for a certain period of time and only then will you be able to re-enter your login data again. If you have forgotten your password, press a link I forgot my password on the login page. The system will send you a new temporary password by SMS message to your phone.
If your account has been blocked due to multiple incorrect entry of any of the security elements (e.g. Validation codes), you will receive an email with a link to the process for unblocking it.
In case of problems, contact us by email at zltymelon@zltymelon.sk or through the Help form.
Validation codes, which are used to confirm sensitive operations in the system, can be newly generated directly in the system in the section Validation codes.
You can change your security question directly in the system in the section Validation codes.
In your account in the section Settings uncheck the informational emails that you do not wish to receive.
The minimum amount you must deposit on Žltý melón to begin investing is 25 EUR and there is no maximum limit for your total investment portfolio (the combined amount of all of your investments in individual loans). However, to help secure your investment and provide you with some protection against potential risks, you can only invest a maximum of 250 EUR in any one individual loan, or 25% of the loan amount if you have already created a minimum investment portfolio.
With secured real estate loans CashFree, the maximum amount of one investment is not limited.
We strongly advise you to sufficiently diversify your investments across as many loans as possible that meet the criteria you have decided on for your investment strategy, as doing so will help ensure more stable returns on your investment and limit your exposure to risk.
Žltý melón provides investors with a recommended interest rate for every loan that is both fair for borrowers and also reflects the level of risk for investors as determined during our assessment process and indicated by the credit scoring category assigned to the borrower.
The recommended interest rate is calculated based on a number of factors, including our detailed knowledge of the current standard conditions in the lending market, so that it is fair to both borrowers and investors, while also including a risk premium set by our comprehensive evaluation of the original loan application. The risk premium is determined during our assessment process and reflects the risk to investors that a borrower will default on a loan, meaning that with sufficient diversification of an investor’s portfolio the income from loans that are repaid should cover any potential losses resulting from investment in any loans that are not repaid and eventually default.
The recommended interest rates provided by our system are not binding and it is ultimately up to each individual investor to determine the exact interest rate for their offer to fund any individual loan, which is based primarily on their expected return on investment and the level of risk they are willing to accept as part of their investment strategy.
The average overall return on investment for the entire portfolio of loans provided on Žltý melón since we started operating in 2005 is 8 - 10 % p.a.
You can find more detail information about the current performance of investments and loans on Žltý melón in the Statistics section of our website).
Although we provide investors with a recommended interest rate, it is ultimately up to each individual investor during the loan auction to set the interest rate at which they are willing to offer to fund part of a borrower’s loan. In standard loan auctions – where the interest rates are determined by investors rather than borrowers - setting your own loan interest rate helps you control how quickly your offer is accepted by potential borrowers, as well as how much you will earn on your individual investments.
When setting the interest rate for your offer to fund a borrowers loan you should keep in mind that when a loan auction has been fully funded by investors, the offers with the lower interest rates are the ones that are selected to be combined into the eventual loan taken out by the borrower. If during the loan auction your offer to fund a loan is discarded from the auction and replaced by an offer, or offers, from other investors that are willing to fund the loan at a lower interest rate, you may still choose to re-enter the auction, but you will need to offer the borrower a lower interest rate in order to displace these new investment offers.
Ultimately, the interest rate you choose to offer a borrower all depends on your requirements regarding your expected returns on your investment and also how an individual investment offer fits within your broader investment portfolio and investment strategy. To calculate an appropriate interest rate correctly for any given loan auction interest rate you can use our recommended interest rate as the starting point for your decision, but in order to ensure your offers are not displaced, it is also important that you look at the offers currently being made by other investors who want to fund that particular loan.
The process for setting interest rates works slightly differently in loan auctions for Preferred Interest Loans, where borrowers determine their preferred interest rate themselves (at a level not lower than 2% below our recommended interet rate), which is done when they set up the loan auction. This interest rate and the type of loan auction is clearly marked so that investor can quickly and easily decide if they are interested in making an offer to fund the loan at the interest rate set by the borrower.
While this type of loan auction provides less control and flexibility for investors, it also provides greater security in terms of earning more stable returns and finding enough loans to invest in, as once an investor chooses to invest at the interest rate set by the borrower they are guaranteed that if the loan auction is fully funded their offer will not be displaced by other investors since the loan auction will immediately terminate and making offers at a lower interest rate is not possible.
During loan auctions we provide investors with all of the important information about loan applicants that is necessary to help you decide if you want to make an offer to fund their loan including information about their income and expenses, and the risk class. If you need further information before making your final decision you also can ask borrowers additional questions to make sure you are making the correct investment decision based on your chosen investment strategy.
Every applicant for a loan on Žltý melón must first pass our comprehensive evaluation process, which verifies their personal credibility, current financial situation and ability to meet their repayment obligations. Only individuals with a clear background and who we have identified as being highly likely to repay their loans consistently and on time can borrow through Žltý melón.
Applicants who fail to pass our credit scoring assessment, who have negative credit history, or who do not meet all of the required eligibility criteria borrowers cannot access loan auctions and attempt to get their loan funded by investors.
We assign a credit rating category – AA, A, B, C, D, D-, HR and H, H1 with real estate loans – to all loan applicants that manage to pass our rigorous assessment and screening process.
AA represents the lowest risk category of borrowers, as they are people with a good credit history as well as a clearly established financial situation that will allow them to easily make their scheduled loan repayments. At the other end of the spectrum, borrowers within the HR category, referred to as ‘Sufficient’, represent the highest risk class of borrowers. However, our stringent evaluation process ensures that even these applicants have had their financial circumstances and credit history fully verified, meaning they are able to consistently repay their credit commitments and other financial obligations.
Assigning a credit rating category to each approved loan applicant is a significant element that can help investors in deciding which loan auctions fit best within their investment strategy and the desired level of risk for their investment. The credit rating category is also a key determining factor used by our system to determine the recommended and maximum interest rate that investors can offer to borrowers during their loan auction. However, within these set parameters it is ultimately up to you as an individual investor to determine the interest rate you are willing to offer borrowers during a loan auction.
When investing on Žltý melón, you should look through all of the loan auctions currently in progress and assess the details provided for each of their loan applications. It is important to choose auctions that best match your investment profile and desired investment strategy.
For secured real-estate loans with ratings H and H1, or borrowers in the credit rating category AA or A, there is a lower risk of repayment failure than if you were to invest in loan auctions with borrowers that were assigned a credit rating category of C, D and D-. However, the higher level of risk associated with these borrowers also means that the potential returns on your investment are also higher, as the interest rates paid by borrowers in the lower risk categories are much lower.
The most important rule that you should follow on Žltý melón, regardless of your investment profile and strategy, is to ensure you have sufficient diversification within your investment portfolio, as this will provide you with more stable returns on your investment and lower your exposure to the risks associated with any one individual borrower defaulting on their loan.
You can find more information about how to build a sufficiently diversified investment portfolio in the Investment security section of our website.
While we are fully confident in the sophisticated nature of our assessment processes and the benefits of investing on our platform rather than with a traditional bank, Žltý melón cannot guarantee the security of your investment.
We are a loan management company, rather than an investment advisory, meaning we provide you with all of the necessary information on borrowers and their loan application so that you can make the key decisions about your investments by yourself.
The most important to realise is that if you sufficiently diversifying the investments in your portfolio on Žltý melón you will dramatically reduce your exposure to risk and protect yourself from failures that can result in you losing your investment.
One of the most important factors for all of the people who invest or borrow money on Žltý melón is that the whole system is safe, secure and provides them with the best possible terms for their loan or investment.
This is also our number one priority. Our efforts to create, grow and operate Žltý melón would be entirely meaningless without this commitment to provide a safe, fair, and transparent platform for our users.
You can learn more about the risks of investing on Žltý melón and how to limit your exposure to risk in the Investment security section of our website.
All loan auctions on Žltý melón and other activities on our system are anonymous; you are only identified by your chosen user name (nickname) that you create when you first register and can be anything you want.
Your personal information and data are also kept private and secure. The system does not disclose any personal information about investors to borrowers or other users on Žltý melón. We will also never sell or disclose your personal information, unless required to by law, and we ensure that all of the data our users provide is encrypted and stored securely using the highest level industry standards.
You can read more about our commitment to security and your privacy in the Safety and Privacy section of our website.
When investing through Žltý melón, you can choose from secured or unsecured loans with a higher yields. Secured loans are additionally secured by a partner's guarantee or a pledge agreement for the financed real estate.
Loans are granted and agreed on the basis of legal documentation prepared by a law firm with extensive experience in this field and that is similar to the loan contracts used by banks and other financial institutions. Every borrower that is employed must sign The Agreement on Wage Deductions in order to obtain their loan after it has been funded by investors, which helps ensure we can easily collect their agreed repayments directly in the event they fail to make them on time.
In the event that the borrower defaults on their loan, we act on behalf of investors to collect the debt and cover all of the upfront costs associated with pursuing the debt via a legal petition to the Arbitration Court, where we increase the amount owed by the debtor to reflect the costs of collection. After the court awards a decision against the borrower for the debt we work with professional executors to collect the debt through legal claims against the property of the borrower.
Our comprehensive debt collection services, provided free of charge to investors is highly effective and ensures that investors have a high chance of recovering their money promptly.
No. Žltý melón strongly recommends that you diversify your investment into as many borrowers as possible to decrease your exposure to risks arising from non-repayment and also to help you earn stable returns on your investment
Our system limits how much you can invest in funding any one individual borrower’s loan and we recommend that you spread your investment across at least 40 different loans to ensure your portfolio is sufficiently diversified. You can achieve this by investing small sums with different products and many different borrowers, while also paying attention to their age, sex, region, income group and credit rating category, as these factors will help further diversify your investments.
You can learn more about diversifying your investment in the Investment security section of our website.
You do not have to actively manage your investments, we do it for you. We monitor the repayment progress for each loan, check whether the funds collected from borrowers match the expected instalment, interest or insurance payment. We ensure that all components of a scheduled loan repayment are correctly itemised and divided among individual investors proportionally, based on the percentage of the loan that they funded. In this manner, with each scheduled loan repayment you, as an investor, automatically receive a part of the original loan principal, as well as a part of the agreed interest payment charged on the loan.
Investment management includes monitoring of loan repayments and maturity. Žltý melón actively monitors each borrower and and loan in order to proactively identify the very first signs of any potential repayment difficulties and loans that are possibly in danger of default. If this happens, we automatically initiate a multi-level approach to communicate with the borrower and take all necessary measures to ensure that the loan is repaid and to maintain the security of your investment.
Žltý melón actively monitors each borrower and identifies even the first signs of potential payment failure and potential problem loans. Our sophisticated debt collection system consists of two parts - soft and hard collection. This system of debt recovery is highly effective and is based on procedures and policies that correspond to the standards developed by banks and other financial institutions in the market.
Compared to these institutions, however, Žltý melón has a significant advantage as our portfolio is not nearly as large or complex, which makes managing it expensive and inefficient. Our smaller size, streamlined business model that is not bogged down by legacy systems and expertise in this area of consumer lending means we can approach each non-performing loan individually, developing a tailored approach that is more efficient and maximises the amount we are able to recover for investors.
You can learn more out debt collection process in the Investment security section of our website.
Yes. However, Žltý melón has developed a highly effective and full service debt recovery system, including established partnerships with a leading law firm and enforcement agencies that specialise in this area, which it offers to all investors free of charge.
If you nevertheless prefer to deal with the problem of non-repayment independently, we will provide you with all of the necessary legal documents and information to do so, including the identity of the borrower.
Žltý melón tracks the performance of every loan arranged on our platform, paying specific attention to the individual clients, groups of clients and specific loans that are determined to have a higher than average risk. We monitor the repayments and performance of loans within these high risk classes, as well as amongst other identified types of borrowers and risk classes, in order to track the development of delays in repayment and loan defaults.
Based on the data and analysis resulting from the active monitoring of loan on our platform, we continually review and update our prediction algorithms for the default rates of loans within individual credit rating classes, as well as the impact identified trends in non-performing loans have on the risk premium pricing for loans. When all of this is put together we are subsequently able to use this detailed analysis to adjust the recommended interest rates generated by our system and help ensure our investors are able to earn stable returns and minimise their exposure to risk.
You can find more information about the current development of default rates for loans on our platform, as well as about our net interest rate for investors after accounting for non-performing loans in the Statistics section of our website.
The only standard fee investors pay is the monthly fee for managing their active investments in loans to borrowers. The fee is a fixed percentage of the monthly instalment repayments collected from borrowers and is automatically deducted from the amount collected before it is transferred to the investor’s account.
However, Žltý melón is not like a traditional bank and so we believe our profits should be contingent on you making a return on your investment. For this reason, the monthly investment management fee is not collected on loans for which the borrower has not made their scheduled instalment repayment, or if they have repaid only part of it. The investment management fee applies only to money already invested with loans on our platform and is not charged on any funds that are currently held in your account but not yet invested via a loan auction.
You can find further information about the fees we charge in our Valid Schedule of Charges here
CashFree loans are specialized real-estate loans used for the purchase of a new home and their biggest difference from standard loans is their security.
The CashFree Housing loans are provided in partnership with a well-known real estate developer and is used to cover the first deposit needed to secure the reservation of a new home bought by the applicant. The properties being purchased with these loans are currently under construction. As these loans are linked to real estate, the developer also provides an additional guarantee for investors, in the form of a full refund of their investment if the borrower has difficulties maintaining their loan repayments.
The CashFree Hypo loans are used to co-finance bank mortgages for the purchase of a new home. The primary requirement for this loan is to secure a traditional mortgage with a bank in Slovakia. These loans are secured through an pledge contract for financed real estate that allows investors to claim money owed to them through the sale of the property, after the bank that issued the mortgage.
The CashFree Real estate loan is used to finance housing. The loan can replace a bank mortgage or it can be used as a bridging loan, to help clients to get money for the time until they settley their new home. The loan is secured directly on the title deed in the first place.
In case you do not want to enter your investment offers manually, you can use the Investment Manager and its 'Autoinvestment' feature which will make your investment offers for you based on certain criteria you select and which match your desired level of risk and investment strategy.
When setting up the autoinvestment feature, you can either choose to use one our predefined investment strategies, or choose your to create your own. When you do this you will specify the detailed conditions for the loan auctions that you wish to make
investment offers on, such as the borrower's risk class and type of
loan, as well as well as your expected level of earnings from your
investment, which is determined by the interest rates you offer to
borrowers.
Once you have setup the autoinvestment tool, it will continually monitor the current loan auctions available on our platform and make investment offers to borrowers in the loan auctions that meet your chosen investment criteria. In order to keep you updated about the progress of your automatic investments, we will send you notifications about any investments made in loan auctions that met your specified criteria, as well as any other relevant information about the progress or status of your investment offers and the loan auctions these offers have been made in.
The autoinvestment feature is available to all investors and as such it operates in a way that treats all investors fairly and equally with regards to making automatic investment offers, however in the case where there are more investors willing to fund a loan auction that are needed to fully fund the loan, the autoinvestment system will prioritises the investment offers that have the lowest interest rates and also take into account when they were made.
You may choose to only make investment offers via the autoinvestment tool, however, you can of course also choose to use it in alongside your manual investment offers, which helps ensure you can maximise the returns on your investment by carefully selecting loan auctions that are on the margins of your investment criteria and strategy.
Our system provides you with full control over the use of the autoinvestment feature and it can easily be turned on or off at anytime within the Investment Terminal dashboard of your My Account area.
Yes, in a case you need to collect invested money before the loan is due, you can sell your investment on our Secondary market to another investor. You choose for how much you would like to sell it and agree with a new investor on specific terms.
We also run a program of increased liquidity. Participating investors have the right to request an early repyment of part or all of their portfolio at any time. If the investments meet the criteria and there is enough money in the program, we will arrange it.
On Žltý melón, the investor earns money from the loan interest paid by borrowers as part of their scheduled monthly instalment repayments, which is taxable in compliance with the Law on Income Tax. Žltý melón does not pay any taxes on behalf of investors that are associated with the earnings associated with the returns on their investments in any loans provided through our platform.
It is for each investor to fulfil this legal obligation in accordance with the laws of the EU and whichever country or countries they have a legal tax obligation in as a result of their employment, residency, nationality or any other factor arising such an obligation under the applicable laws and regulations of that sovereign power.
On Žltý melón you have the functionality of the notification centre with unique characteristics.
You can easily try out the new Notification Centre using the new icon at the top of the page to access your personalised “Feed” of investor information.
The notification centre provides you with a constantly updating news feed with all of your notifications about your activity on Žltý melón. The information you can find here is the mostly the same as you have previously received via email, but in an easier to digest format that won’t clog up your email inbox! We have also added several new notifications to help you get the most out of using our platform.
Notifications are divided into several different categories and we have included several filters on the left to help you get the information you want as quickly as possible. You can mark individual messages as ‘read’ or mark multiple messages as ‘read’ at once in order to clean up your news feed.
As well as provide a central location for all of your notifications we have also added the ability for you to ‘follow’ other users on Žltý melón in the same way you would on Twitter or other social networks. This innovative feature will allow you keep track of what your friends or some of our top investors are doing in order to help you learn from other people in our community and increase the profits you earn from your investments.
You can easily follow another investor by searching for their name within the notification centre, or by using the ‘Follow’ button in their investor profile. Once you follow an investor information about their investment activity will be displayed in your news feed and if someone follows you they will be updated about your activity.
We are always conscious about protecting your privacy at all times, so if you do not want to share you investment activity with other users it is easy to ‘Block’ any investor that has decided to follow you.
Yes, you can easily control your email notification settings and which notifications appear in your Feed using the options in your Profile.
Žltý melón has its own mobile application for devices using the Android and iOS operating systems. The application can be used for complex investment account management and investing and it contains most of functionalities available in the web interface. The app can notify you of important events on your account and by using it, you can also confirm web activities instead of Validation codes.
Key features:
-> Quick and easy access to your investment account from anywhere
-> Possibility to confirm web activities instead of Validation codes
-> Track the performance, status and composition of your investment portfolio
-> Overview of active and closed investment opportunities together with their details and repayment overview
-> Access to current investment opportunities and their details
-> Manual investment in new loans, including increasing offers or using investment credits for refinanced loans
-> Option set up autoinvesting tool
-> An overview of the investor account and all transactions on the account
-> Add funds, currency conversion, or funds withdrawal from your account
-> Get real time notifications about new loan auctions, your account, portfolio and events on the portal
-> Possibility to set up push notifications about important events on the account
You can download the application in the Google Play and App Store stores.
To invest on our platform you will need to create an account using our simple online registration form.
In order to use the application, you need to have your mobile device connected to the Internet. The application currently does not support an offline mode.