ConnectPay vs Groundfloor

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

ConnectPay compared with Groundfloor
Detail	ConnectPay	Groundfloor
What it does	All-in-one financial platform for online business	Private markets investing platform offering real estate loans, notes, and emerging alternative investments
Stage	Established	Established
Founded	2017	2013
Based in	LT	US
Pricing model	Paid	Freemium
Pricing	Daily Banking: Tree plan with €9.50 minimum monthly fee, €0.25 euro-zone pay-out, €20 cross-border payments. Forest plan with €295 minimum monthly fee, €0.04% euro-zone pay-in and pay-out (1-200€). Jungle plan with €490 minimum monthly fee, €0.1% minimum €2 euro-zone pay-in. Card issuing from €25, m	Notes: 5%-9.0% highest return, $100-$10,000 minimum investment; Loans: 10-18% target IRR, $10 minimum investment; 12 Mo Preferred Note: 8.5% fixed rate, $10,000 minimum investment; Groundfloor Bond Note: 9.5% fixed rate, $10,000 minimum investment; Music Royalties Portfolio: 7% annualized return (12
Key features	IBAN accounts with multicurrency support SEPA instant and SCT payments Cross-border and SWIFT payments Currency exchange in 80+ currencies Virtual and physical debit cards Card acquiring for VISA and Mastercard Open banking with fast direct bank transfers Recurring payment subscriptions White-label digital wallets Compliance and fraud prevention built-in	Individual real estate loan selection with 10-18% target IRR Auto Finance Portfolio with 13.6% target net IRR for accredited investors Music Royalties Portfolio offering 7% fixed annualized return Pre-IPO Stock Finance Portfolio with 15-18% target net IRR Portfolio tracking and real-time performance monitoring Automated monthly interest payments to investors Mobile app for browsing and managing investments on the go
What makes it different	Single set of APIs for all financial services Pan-European EMI license covering entire EEA 8 seconds average automated onboarding Compliance handling included in service ISO 27001 and ISO 22301 certified security	100% repayment track record on real estate-backed notes since platform inception First company qualified by SEC under Regulation A+ to open private real estate investing to non-accredited investors Over 13 years of operating history managing real estate investments since 2013 Direct origination and underwriting rather than marketplace model Verified residential collateral and first- or second-lien security on every loan
Free plan	Not given	Not given
Open source	Not given	Not given
Platforms	Not given	Not given
Public API	Not given	Not given
Community votes	0	0
DR (Domain Rating by Ahrefs)	53 no change since last check	49 +1 (up) since last check
Trust Flow (Majestic)	12	19
Citation Flow (Majestic)	26	32
Referring domains (Majestic)	357	595

8 details filled in for both companies.

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