Groundfloor vs Ringup
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 Ringup
| Detail | 
Groundfloor | 
Ringup |
|---|
| What it does | Private markets investing platform offering real estate loans, notes, and emerging alternative investments
| Identity and payments layer for AI voice agents
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| Stage | Established
| Not given
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| Founded | 2013
| Not given
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| Based in | US
| US
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| Pricing model | Freemium
| Contact for pricing
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| 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
| Not given
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| 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
| - Caller recognition by phone number with saved context
- Integration with 144+ payment processors
- Support for multiple voice platforms
- PCI Level 1 compliant card vault storage
- Carrier-verified SIM swap detection for security
- Direct settlement to merchant's processor
- REST API for custom voice stacks
- No card numbers read aloud on calls
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| 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
| - Phone number as payment identity eliminates card recitation
- Works with every merchant's existing processor without creating new accounts
- Funds never held or reconciled by Ringup
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| Free plan | Not given
| Not given
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| Open source | Not given
| Not given
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| Platforms | Not given
| Not given
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| Public API | Not given
| Not given
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 48 ▼ −1 (down) since last check | 6 ● no change since last check |
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| Trust Flow (Majestic) | 19 | 0 |
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| Citation Flow (Majestic) | 32 | 24 |
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| Referring domains (Majestic) | 595 | 36 |
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5 details filled in for both companies.
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