# stock.estate

stock.estate is a European real estate crowd-lending platform that connects investors with vetted real estate developers through EUR-denominated loan contracts signed by the investor, the project developer, and stock.estate Group in its platform and guarantee-agent role. The public site references STOCKESTATE CROWDFUNDING S.R.L., ASF licence `PJR28FSFPR/400002`, and ESMA registration.

## Platform summary

Investors use stock.estate to review campaign pages, complete KYC and AML verification, place investment orders, transfer funds through BCR-linked payment flows, and receive interest plus principal according to the repayment schedule in the loan agreement. The platform positions itself as a digital, accessible route into real estate-backed lending rather than direct property ownership.

## Public MCP

stock.estate provides a read-only public MCP server for AI agents that need factual campaign data, campaign details and document links, platform statistics, public FAQ/education snippets, and official source links.

- Server URL: `https://mcp.stock.estate/mcp`
- Codex: `codex mcp add stockestate --url https://mcp.stock.estate/mcp`
- VS Code MCP config: `{"name":"stockestate","type":"http","url":"https://mcp.stock.estate/mcp"}`
- Cursor MCP config: `{"mcpServers":{"stockestate":{"url":"https://mcp.stock.estate/mcp"}}}`
- Claude Code: `claude mcp add --transport http stockestate https://mcp.stock.estate/mcp`

Agents should use this MCP for stock.estate-specific factual lookups and should not treat MCP output as investment advice or as a personal suitability recommendation.

## How it works

- create an account
- complete KYC and AML verification
- review the campaign documents and terms
- choose an amount, starting from EUR 100 on some campaigns
- place the investment order
- use the 4-day reflection period if needed
- receive repayments in EUR according to the loan contract

## Investor protection

The site describes several protection layers:

- regulated crowdfunding status under ASF with ESMA registry reference
- separation of investor funds from platform funds
- loan contracts signed by the investor, the developer, and stock.estate Group, while still creating a direct receivable against the developer
- campaign-level collateral such as mortgages, guarantee letters, or pledged shares
- a collateral agent structure for secured projects

The site also makes clear that crowdfunding investments are not covered by deposit-guarantee or investor-compensation schemes.

## FAQ themes

The public FAQ is split into 5 sections and covers:

- platform basics and investor eligibility
- how crowd-lending works in practice
- legal structure and KYC obligations
- progressive and fixed campaign fee models and withholding tax
- capital risk, recovery, liquidity, and platform-failure continuity

Important public FAQ points include:

- campaign-level returns are commonly presented in the 10% to 20% EUR range
- there is a 4-day reflection period after placing an investment order
- progressive campaigns charge no investor-facing platform fee; each investor's Contract Rate is the Floor Rate plus the amount-dependent Rate Band and any active Early-Bird Rate Boost, capped at the Floor Rate plus the Interest Pool
- the developer-side Pool Fee is the unused part of the Interest Pool after the investor's Rate Band and Early-Bird Rate Boost; it is not deducted from the investor's Contract Rate
- existing fixed campaigns keep their contracted fee terms, which may include the legacy 0.2% monthly management fee
- the standard borrower offer is 16% annual interest plus a one-time 4% initial fee, with no monthly administration fee
- Romanian individual investors generally face 10% withholding tax on taxable interest
- secured campaigns use registered mortgage collateral and a collateral-agent structure

## Statistics

The live public statistics endpoints currently report:

- 17.1k investors
- 89 funded campaigns
- 14.22% average return
- EUR 12.1M invested
- EUR 803k interest paid
- EUR 4.5M principal paid
- 1 late
- 0 default

The same public data source also reports the current loans-status mix:

- 47 in-progress loans
- 41 completed loans
- 6 financing loans
- 1 loans in recovery
- 0 in grace period
- 0 defaulted

## Comparison pages

### Savings accounts

The comparison with savings accounts explains that savings accounts are structurally better for liquidity and capital parking, while stock.estate is better understood as an investment product for people who can lock money into project terms and accept credit and execution risk in exchange for higher yield potential.

### Bonds

The comparison with bonds explains that bonds usually win on liquidity, benchmark visibility, and market infrastructure, while stock.estate offers campaign-level transparency, real-estate collateral visibility, and potentially higher gross deal-level yields.

### Deposits and bonds

The comparison with deposits and bonds explains how real estate crowdfunding differs from bank deposits and bond exposure across liquidity, risk, expected returns, collateral visibility, platform workflow, and investor suitability.

### REITs

The comparison with REITs explains how real estate crowdfunding differs from listed real estate securities across market liquidity, volatility, diversification, asset transparency, income profile, and direct project exposure.

### European platforms

The platform comparison page helps investors evaluate real estate crowdfunding platforms in Europe using criteria such as regulation, track record, transparency, risk controls, fees, investor protections, and campaign due diligence.

## Key pages

- [Homepage](https://stock.estate/)
- [About](https://stock.estate/about)
- [How stock.estate Works](https://stock.estate/how-it-works)
- [Investor Protection](https://stock.estate/investor-protection)
- [Statistics](https://stock.estate/statistics)
- [FAQ - General](https://stock.estate/faq/general)
- [FAQ - Crowdlending](https://stock.estate/faq/crowdLending)
- [FAQ - Legal](https://stock.estate/faq/legal)
- [FAQ - Fees](https://stock.estate/faq/fees)
- [FAQ - Risks](https://stock.estate/faq/risks)
- [Glossary](https://stock.estate/glossary)
- [Real Estate Crowd-Lending vs Savings Accounts](https://stock.estate/compare/real-estate-vs-savings-account)
- [Real Estate Crowd-Lending vs Bonds](https://stock.estate/compare/real-estate-vs-bonds)
- [Real Estate Crowdfunding vs Deposits and Bonds](https://stock.estate/compare/real-estate-crowdfunding-vs-deposits-bonds)
- [Real Estate Crowdfunding vs REITs](https://stock.estate/compare/real-estate-crowdfunding-vs-reits)
- [Best Real Estate Crowdfunding Platform Europe](https://stock.estate/best-real-estate-crowdfunding-platform-europe)