Groundfloor vs PayCow

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

Groundfloor compared with PayCow
Detail	Groundfloor	PayCow
What it does	Private markets investing platform offering real estate loans, notes, and emerging alternative investments	One workspace for donations, digital commerce, and crypto payments with funds sent directly to your wallet
Stage	Established	Not given
Founded	2013	Not given
Based in	US	Not given
Pricing model	Freemium	Paid
Pricing	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	Starter: 10 USDT/mo (up to 1,000 USDT monthly volume). Pro: 99 USDT/mo (up to 50,000 USDT monthly volume). Scale: 299 USDT/mo (up to 250,000 USDT monthly volume). Enterprise: Custom pricing (250,000+ USDT monthly volume). 0% transaction commission on all plans.
Key features	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	Non-custodial direct-to-wallet USDT settlement on Ethereum ERC-20 and Tron TRC-20 Digital delivery of files up to 50 MB and license keys after confirmed payment Branded storefronts at /store/your-brand with product catalogs and checkout Searchable PayCow Marketplace for product discovery Multi-chain RPC node polling for deterministic payment confirmation Multiple destination wallet support with unique serial identifiers for routing Automated webhook notifications with HMAC-SHA256 cryptographic signatures Fixed monthly pricing model with 0% transaction commission
What makes it different	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	0% transaction commission with fixed monthly plans, keeping more per payment as volume grows Funds route directly to merchant wallets with no custodial intermediary holding assets Integrated platform combining donations, marketplace, storefronts, delivery and payments in one dashboard Built-in live stream donation alerts for streamers using OBS or Streamlabs
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)	49 +1 (up) since last check	2 +2 (up) since last check
Trust Flow (Majestic)	19	2
Citation Flow (Majestic)	32	18
Referring domains (Majestic)	595	6

5 details filled in for both companies.

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