indemo.eu Review & First Look

Indemo.eu positions itself as a gateway for retail investors to step into the world of real estate-backed loan investments, a domain traditionally reserved for institutional players and high-net-worth individuals.

Upon an initial look at the website, the platform immediately highlights compelling figures: €12.7M total funds invested, €1.7M totally repaid, and over 10,200 investors, with a striking “25.3% Average Annual Return.” These statistics are prominently displayed, designed to capture attention and convey a sense of a thriving and lucrative investment environment.

The promise of “Earn income through investments usually reserved for institutional investors” is a significant draw, appealing to those who feel excluded from exclusive financial opportunities.

The website emphasizes accessibility, stating that one can “Invest in EU secured loans” with a minimum investment of just €10. This low entry barrier is a key differentiator, making it possible for a broader audience to participate.

They also stress the benefit of diversifying across “Spanish real estate objects,” aiming to limit exposure and reduce portfolio volatility.

The language used is generally reassuring, employing terms like “stable and healthy returns” and “easy to get involved.” However, the critical elements to scrutinize lie beneath these initial assurances, particularly regarding the nature of the financial instruments offered.

What is Indemo.eu?

Indemo.eu is an online investment platform that facilitates peer-to-peer (P2P) lending and discounted debt investments primarily backed by real estate assets in Spain.

It connects individual investors with opportunities to fund or acquire portions of loans, which are secured by properties.

• Core Function: Connects investors with loan opportunities.
• Asset Class: Real estate-backed loans.
• Geographical Focus: Primarily Spain.
• Investor Base: Retail investors.
• Aim: Democratize access to institutional-grade investments.

Indemo.eu’s Core Offerings

The platform’s main products are “Mortgage Loan Investments” and “Discounted Debt Investments.” Both types of investments are explicitly linked to real estate in Spain.

• Mortgage Loan Investments: These involve investing in bank-type mortgage loans issued by professional lending companies. The stated return is “Interest — 10.0% per annum,” explicitly defining the return as interest.
• Discounted Debt Investments (DDIs): These are created from loans where the borrower has failed to make payments. Spanish banks sell these “bad debts” at a significantly discounted price, including the attached real estate asset. Investors profit from the spread between the discounted price paid and the market value of the real estate when it is sold. The “Expected Return — 15.1% per annum” is highlighted for DDIs.

The Problematic Nature of Indemo.eu’s Investments

The central issue with Indemo.eu, from an Islamic ethical standpoint, is its reliance on interest (Riba) and debt trading.

• Interest-Based Returns: The “Mortgage Loan Investments” explicitly generate “interest.” Riba, or interest, is unequivocally prohibited in Islam. This prohibition applies to both charging and paying interest, as it is seen as an unjust gain from money itself rather than from productive labor or genuine risk-sharing.
• Discounted Debt Trading: While DDIs involve real estate, the profit mechanism stems from the trade of defaulted debt. Trading debt at a discount to its face value, especially when the underlying obligation originated from an interest-bearing loan, is generally impermissible in Islamic finance. This is because debt is not considered a commodity to be traded for profit in this manner. it’s a liability.
• Lack of Risk Sharing: Islamic finance emphasizes profit-and-loss sharing (PLS) partnerships, where investors and entrepreneurs share both the risks and rewards. Indemo.eu’s model, with its fixed interest rates or expected returns from debt recovery, shifts the risk unfairly or guarantees a return that doesn’t fully reflect shared entrepreneurial risk.

Indemo.eu’s Regulatory Claims

The website makes a strong case for its legitimacy through regulatory compliance. Wreythe.com Review

It states, “Fully licensed and regulated in the EU,” implying a high degree of oversight and investor protection.

• EU Licensing: Being licensed within the EU provides a layer of credibility and adherence to European financial regulations.
• Investor Compensation Scheme: The claim that “Your cash and securities up to €20,000 are protected under the EU Investor Compensation Scheme” is designed to instill confidence, suggesting that investor funds are safeguarded to a certain extent in case of platform insolvency.

The Bottom Line for Ethical Investors

Despite the regulatory assurances and attractive potential returns, Indemo.eu’s core business model of interest-based lending and debt trading makes it fundamentally incompatible with Islamic financial principles.

For individuals seeking investments that align with Sharia, this platform is not a viable option.

The pursuit of wealth must be undertaken through permissible (halal) means, avoiding Riba and other prohibited transactions.

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