Groundfloor vs send21

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 send21
Detail	Groundfloor	send21
What it does	Private markets investing platform offering real estate loans, notes, and emerging alternative investments	Non-custodial crypto payment links and API for people and AI agents
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	One fee per payment: 0.49% on $0-$10, 0.39% on $10-$50, 0.29% on $50-$100, 0.19% on $100-$500, 0.14% on $500-$2,000, 0.09% on $2,000-$10,000, 0.04% on $10,000-$50,000, 0.02% on $50,000-$100,000, 0.01% above $100,000. Minimum $0.01, maximum $100. No subscription, setup fee or monthly minimum.
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	REST API with scoped keys and batch drafts up to 25 per call Support for Bitcoin PSBT and batching wallets like Safe No KYC required, encrypted email storage only Idempotency keys for safe retries Shopify connection with custom app and setup help Fee collected separately on Ethereum and EVM chains via Safe batching
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	Not given
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	6 +2 (up) since last check
Trust Flow (Majestic)	19	15
Citation Flow (Majestic)	32	28
Referring domains (Majestic)	595	35

4 details filled in for both companies.

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