Viventor – The alleged financial service provider Viventor presents itself on its online presence as a provider of cross-border investments. According to the information on Viventor’s homepage, one can diversify one’s investment and achieve a passive income.

However, the Spanish CNMV placed the Viventor provider on its public warning list. Are you currently a client of Viventor? Or are you considering investing in the foreseeable future? Then the following considerations are certainly important for you:

  1. What can consumers who use the service provider’s offer possibly do in the event of losses?
  2. Are there any empirical values from other investors on this topic from which conclusions can be drawn?
  3. What indications are there to evaluate whether the provider is a trustworthy provider?

The blog post prepared by our firm’s legal advisors practising in the field of banking and capital markets law examines many of these issues. In addition, we are very happy to provide individual information to concerned capital investors.

Table of contents

  1. Viventor experiences
  2. Web presence
  3. Accessibility
  4. Licensing
  5. Warning
  6. Digression – general tips
  7. What to do in case of losses with Viventor?

If you have any doubts as to whether Viventor has a suitable offer, we are at your side and will support you in the event of any uncertainties or difficulties. Please send us a message via our online form. Our lawyers are at your disposal for a free initial consultation.

Viventor experience

According to Viventor, it is the European destination for cross-border investments. On top of that, Viventor describes itself on its website as a P2P investment marketplace that connects non-bank loan companies and investors.

Accordingly, Viventor is the ideal offer for investors to invest capital in P2P loans. In addition, Viventor has built a user-friendly crowdlending platform that is accessible to all peer-to-peer investors across Europe.

As a Viventor customer, you can be sure that your investment is safe and that the provider has built its products in such a way that it wins when you win as an investor. Moreover, Viventor believes that everyone should have the opportunity to invest their money in today’s financial products.

That is why Viventor makes cross-border investments possible for every European by building a platform for investors to invest in different countries, types of loans and lenders. Developing products around the customer and their experience is an important value for Viventor.

Viventor not only believes in more efficient solutions that offer better conditions for all parties involved, but also in the development of products that make these solutions possible. Furthermore, the provider’s website states that Viventor was founded in 2015 and has refinanced loans worth more than EUR 130 million in five years.

According to Viventor, interest payments to investors amounted to more than EUR 2 million and the average return was 13.6 %. In addition, more than 7,500 investors are registered with Viventor and 70% of the invested funds come from Germany, Portugal, Spain, Italy and the Benelux countries.

Viventor website

Information on Viventor’s services can be found on the provider’s German-language homepage at the URL

Can I find an imprint?

In the Federal Republic of Germany, according to § 5 of the German Telemedia Act (TMG), there is a basic obligation to provide an imprint. This “labelling” obligation applies to all commercially managed websites. This is because this data is intended to inform visitors to a website who they are dealing with.

In addition, the address of the website owner plays a role if legal claims are to be enforced against him or her. The decisive factor here is that the provision of an imprint also applies to providers based abroad who conduct their business activities in this country. No imprint could be found on Viventor’s website in February 2022.

Internet address

A domain is an internationally individual, special name for a logically delimited segment of the network – for example, an Internet presence. We have found the data for the company Viventor on 21.02.22 with this result: Domain Name:

Registry domain ID: 1947213453_DOMAIN_COM-VRSN Registrar WHOIS Server: Registrar URL: Updated Date: 2021-07-23T02:22:14Z Creation Date: 2015-07-16T03:32:49Z Registrar Registration Expiration Date: 2022-07-16T03:32:49Z Registrar:, LLC

Responsible Actors

Declaring the responsible actors by name is a sign of transparency. At the time of writing, Viventor’s website does not contain any information on the persons responsible for the content.


Information on the registered office and on how to reach Viventor:

  • Address: Audeju 14-3, Riga, LV-1050
  • Tel.: n. A.
  • E-mail address: info[a]
  • Provider name: ViVentor LLC

In the event that problems should arise, the long distance between the service provider and the investor may complicate their clarification. In principle, investors within the EU enjoy somewhat more security and more chances to enforce their rights – also and especially in the case of losses – if necessary with the help of legal assistance.

Which financial supervisory authorities in Europe review the company?

To what extent the provider is controlled and supervised by a European financial supervisory authority such as the CNMV (Spain), the AMF (France), the FMA (Austria) or the FCA (United Kingdom) is not clear from the website in February 2022.

Therefore, one must at least doubt that the service provider has a permit from a supervisory authority, which is necessary for a business operation in the European Economic Area.

Viventor – Spain’s financial supervisory authority puts provider on warning list

Financial supervisory authorities and law firms issue warnings at regular intervals. This does not automatically mean that fraud is involved in every case.

The Spanish financial supervisory authority CNMV keeps a public list of companies that are not authorised and are not registered for any purpose with the CNMV, but may be providing financial services. Among others, the operator of Viventor is also on this warning list of the authority in February 2022.

Excursus: Online trading as a frequent fraud scheme

Many online providers advertise how easy it is to trade profitably and generate considerable surpluses. Corresponding statements are accompanied by correspondingly positive and carefree imagery on the websites of the service providers.

Nevertheless, one does well to know that one can also end up with a dishonest provider who has fraudulent intentions. Our law firm is aware of several cases of rip-offs on the internet where investors in good faith have opened a trading account with an online broker, transferred their capital and apparently executed various trades.

However, they have fallen for an organised internet fraud, because despite allegedly high account balances and apparent profits, these clients never received any payments. The topic is more popular than one might think.

More and more often, interested investors come across websites on the web that make them believe they can make a quick buck and offer extremely profitable investment products.

In addition, the providers of such websites invest a lot of time and money in professional appearances that give the impression of a serious company. This makes it difficult for most investors to recognise at an early stage that it is not a serious offer but a scam.

Legal advisors give advice on Viventor

Have you invested capital with an advisory company and lost? In this case, you should first refrain from making additional deposits, even if your contractual partner demands it. Furthermore, you should determine why the loss occurred and what options are available to compensate for the lost capital.

Furthermore, you can seek a conversation with our lawyers and exchange views on Viventor.