Quanloop inflation recovery program

We cash back the inflation loss on each euro you invest with us. LOW-RISK YIELD MEDIUM-RISK YIELD HIGH-RISK YIELD 14.6% +0.3% CASHBACK
Inflation in the euro area in September 2021:
Inflation in the euro area over one year:
We source CPI information from Eurostat and update it once a month. The figures for October 2021 will be available by the 25th of November, 2021 at the latest. The cashback for October will be paid on the 25th of November, 2021.
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Check the value of your {AMOUNT} over time
The value of {AMOUNT} back in {YEAR} was {ORIG_AMOUNT}
If you would have kept your money in Quanloop, you could save 100% of its value. So you would earn {EARN} just from the inflation change – that is {EARN_PCT} p.a.
This calculation is based in the CPI for the euro area sourced from Eurostat.

How it works

  1. Sign up for Quanloop
    First, register and verify your free account. The operation is quite simple, just type in your e-mail address, check your mailbox and click on the magic link inside. Log in and add some information about yourself (pre-qualification is done automatically).
  2. Add your company (skip if not necessary)
    If you wish to operate on behalf of your company, adding one is very simple. Just send us an e-mail with your company name and fresh registry printout. We’ll add your company to your Quanloop account and send a confirmation shortly.
  3. Top-up your Quanloop balance
    Once you transfer money from your bank account to Quanloop clients’ account, it will be automatically safe from inflation. No matter how your portfolio is set up, we will cash back any inflation loss you bear, even when your money does not work.
  4. Cashback is paid out automatically every 25th of the following month
    We take the Consumer Product Index (CPI) information from Eurostat. The data is checked for updates every day, however, Eurostat normally updates CPI for the previous month between the 15th and 25th of the following month. For example, CPI for October will be known by the 25th of November.
  5. We transfer income tax on your cashback for you
    The income tax in Estonia is 20%. We will deduct the income tax from your inflation loss compensation and pay it on your behalf. So the money you will receive to your bank account is your net profit.
  6. We pay to your IBAN account
    The minimum amount of the payment is 1 euro cent. The bank transfer is made to your most recently used IBAN account.
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  1. Does it mean that I can keep my money in Quanloop and it will be saved from inflation automatically?
    Yes, as soon as you will transfer money to the Quanloop clients’ bank account, it will be saved from inflation. Saving from inflation is not related to your investment portfolio - so even though your money would not participate in some riskier loans financing, it will still earn cashback from inflation loss compensation.
  2. Should I set up my portfolio to save from inflation?
    Your portfolio is already set up when you sign up to Quanloop. The default preset of your portfolio targets an annual profit of 6.5% by investing all your money to finance low-risk loans. However, the inflation loss compensation is not related to your portfolio, so you don’t need to think about setting it up as all your money is safe from inflation with Quanloop automatically.
  3. How does Quanloop guarantee my money?
    Quanloop is the investment fund registered in Estonia (EU). The assets of the fund are not insured. However, your money is guaranteed by the total assets of the fund, first - by the loan you have financed and second - by the other loans and rights Quanloop has. It’s important to bear in mind that you or your company lend money to Quanloop and we owe this money to you. Quanloop is not a classic P2P platform, which would just introduce you to a borrower, but is a borrower itself - that means you’re much more secure. Even though we do our best to invest the money you lend to us responsively, we strongly advise you not to lend us from your family budget, which you would use to pay your regular spends and other expenses, nor from your company working capital that may be needed back urgently; although we keep a reserve to support liquidy of our fund, we may lack enough capital to support your withdrawals on the same day.
  4. How much money may I keep in Quanloop?
    Originally, every investor is limited to € 15,000. However, you can lift that limit by contacting us and passing the additional KYC process. Read more about that here.
  5. How quickly can I withdraw my money from Quanloop?
    The money withdrawal works as follows: you request to withdraw your money and we check if and how much money is not currently being lent - that money will be transferred to your bank account right away. The money lent to Quanloop will be released on the following day and transferred back to your bank account then. Sometimes, we may lack liquid resources and will transfer money later - every extra waiting day will add 2% to your annual interest rate that you have invested your money at.

Quanloop inflation recovery program terms

Acceptance of Terms: By opening an account in Quanloop and adding money to the Quanloop clients’ account, you agree to be bound by these Quanloop inflation recovery program terms (“Cashback terms”), the Loan Agreement, the General Terms & Conditions of Quanloop and the Quanloop Privacy Notice. In the event of a conflict between these Cashback Terms and the Loan Agreement and/or the General Terms & Conditions of Quanloop, these Cashback Terms will prevail. Quanloop may update Cashback Terms at any time without notice to you.

Cashback: A “Cashback” is where Quanloop offers to make a cash payment to you, calculated based on the capital you kept in Quanloop for investments during the previous month. The cash amount payable may be indicated as a percentage, fraction, or cash value. Where a Cashback is offered to you, Quanloop will pay you a Cashback following the percentage, fraction, or cash value indicated to you, provided you comply with these Cashback terms.

Exclusions: You are not eligible to receive a Cashback if you did not keep any capital in Quanloop for investment purposes during the previous month.

Calculation formula: the Cashback paid by Quanloop is calculated based on the CPI (Consumer Product Index) published by Eurostat for a country of the investor’s registered location. Quanloop compensates the difference in the value of the money kept on its clients’ account for investment purposes as well as been already invested during the previous month due to inflation; such value is calculated according to the last month CPI for each separate day the money was not withdrawn from the investment budget. Quanloop uses two CPI figures, the one for the investor’s locality and another for the euro area – the calculation is made on the value, which is most profitable for the investor. If the investor’s registered address, either private or a business one, is not part of the euro area, such investor will be paid Cashback according to the euro area CPI.

The payout date: Quanloop makes a cash payment on the 25th calendar date of the following month, upon receipt of the data from Eurostat. If for any reason, the official public CPI data is not received by the payment date, Quanloop may deliver Cashback later.

Refusal to make payment: Even if you are otherwise eligible to receive a Cashback, Quanloop has the right to refuse to make the payment if any of the grounds stated in the Loan Agreement section 9.2 arise. Regardless of the grounds for a refusal to make the payment, Quanloop shall not be obligated to pay extra interest or any other monetary penalty for the refusal to make payment.

Terminated accounts: if you, during the following 12 months upon receiving your Cashback, do any of the following (a-b), you must return the Cashback in full to Quanloop. This clause applies where you: (a) terminate your account in Quanloop and ask to delete your data; (b) revoke the right of Quanloop to borrow money from you according to the General Terms and Conditions and the Loan Agreement. In case you are obliged to return the Cashback in full to Quanloop due to any of the grounds mentioned above, Quanloop has the right to set-off its corresponding claim against you using the money you have invested in your Quanloop account.

Liability: To the fullest extent permitted by law, Quanloop shall not be responsible for any loss, damage or injury whatsoever suffered by you in respect of the subject matter of these Terms (including but not limited to any direct, indirect, consequential, special, punitive or incidental loss or damages) and Quanloop’s liability to you will in all circumstances be limited to the value of the Cashback. For the avoidance of doubt, nothing in these Terms is intended to modify or negate an investor’s rights under the Law of the Republic of Estonia.