Hive5 Auto-Invest : A detailed Guide
- Written by
- Just P2P
- •
- Updated July 7, 2026
P2P lending platforms seek to offer a wide range of features to their investors, and one of the most strategic is automated investing (or Auto-invest). On Hive5, investors can allocate their capital either manually or through automated investment strategies.
Table of content
Auto-Invest on Hive5
The goal of the Auto-invest feature offered by Hive5 is to allow investors to automate their portfolio allocation. To do so, they define investment strategies, each based on a customized set of predefined criteria (interest rate, loan term, loan originators, allocated amount, etc.).
With the Auto-invest feature, investors no longer need to log in to invest manually. Once these automated investment strategies are configured, and as long as funds are available, Auto-invest allocates funds on their behalf according to the rules they have defined, allowing them to keep control over their portfolio allocation.
Allocation mechanics
How Auto-invest works is specific to each P2P lending platform, which decides on its selection and allocation mechanisms. On Hive5, when a loan is listed on the market, the loan is allocated through a five-step process :
Loan selection order : the system prioritizes loans based on their listing date, from oldest to newest.
Strategy matching : for each loan, the system identifies eligible investors, starting with those with the oldest deposits.
Multiple strategies handling : if an investor has set up several strategies, the system evaluates them in the order they were created, from oldest to most recent.
Strategy evaluation : the system keeps evaluating each strategy until the selected loan is fully funded.
Skipping protocol : if a strategy does not match the criteria of a loan, it is set aside from that loan for 24 hours. After this period, it is re-evaluated if the loan is not fully funded.
Auto-invest benefits
The Auto-invest feature offered by Hive5 improves the P2P lending approach by automating time-consuming tasks while optimizing the returns generated.
1. Automatic reinvestment : repaid capital and generated income are automatically put back to work, maximizing compound interest.
2. Responsiveness : available funds are invested as soon as a loan matches the criteria, minimizing periods of inactivity and allowing investors to capture the most sought-after loans.
3. Time savings : investors no longer need to log in to monitor market opportunities, as the algorithm handles this continuously.
4. Diversification : creating several strategies with different criteria helps build a diversified portfolio.
5. Retained control : investors remain in control of the investment level per loan and per loan originator through the criteria they define.
Auto-invest limitations
The Auto-invest feature offered by Hive5 also has a few limitations that investors should be aware of in order to make the most of it.
1. Non-editable strategies : a strategy cannot be edited after creation and must be deleted and recreated; only stopping and reactivating it remain possible.
2. Possible duplicates : if a loan matches the criteria, Auto-invest may invest in it even if the investor already holds a position in that same loan.
3. Incorrect settings : poorly calibrated criteria can concentrate risk on certain loans or leave funds idle.
4. Lack of nuance : the algorithm applies the criteria to the letter and cannot detect signals that a manual review of loans could reveal.
Setup and Settings
Creating a Strategy
To create a strategy, investors must go to the “Investment” section, click on “Automated strategies” and give the strategy a name. They then need to define the portfolio size, that is, the maximum amount to invest through this strategy, and the amount to invest in one loan (minimum 10€).
Several loan originators can be selected (Credilink, FinJet, Firmeo and Linqo) for the same strategy, and, indirectly, the country to invest in (Romania, Spain, Poland, Lithuania). Each originator is associated with a specific loan type: consumer loans or business loans.
Finally, investors determine the term of the loans they are looking for (expressed in days), the targeted returns, and whether the repaid amounts and interest should be reinvested or not (“Do you want to reinvest?”). They then simply need to click on the “Create investment portfolio” button.
Tracking your strategies
To track the progress of their strategies, investors can go to the “Investment portfolio” tab, which allows them to view, for each one, its characteristics as well as its status (active or not), the investments made so far and the amount currently active.
Deactivating or Deleting
With the STOP button, investors can temporarily deactivate their automated investment portfolios. However, the deactivated strategy remains visible in the list with all its parameters and can be reactivated at any time by pressing the START button.
With the CANCEL button, the strategy is deleted immediately and permanently (warning: no prior confirmation is required). Deleted portfolios cannot be restored, but all investments made remain in place within the defined investment limits.
Optimization tips
The most effective approach is to create two, or even three, well-defined strategies aligned with different goals or risk profiles. Avoiding multiple micro-strategies with minimal differences helps structure the portfolio and makes it easier to monitor.
To build a diversified portfolio, a possible approach is to have one strategy per loan originator, each with a specific portfolio limit. This way, investors manage their risk exposure more precisely and reduce concentration on a single originator.
Another approach is to combine a short-term-oriented strategy across a heterogeneous group of originators with another one targeting higher returns over a longer term. Turning on reinvestment offers a more passive experience, especially since many loans on Hive5 are short-term.
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Should you use Hive5 Auto-invest ?
Hive5 is one of those platforms where Auto-invest can be used as the sole investment method, as manual selection offers little benefit. There are three reasons for this: opportunities are mainly short-term, the number of loan originators is limited and changes are infrequent on the platform.
The effectiveness of Auto-invest depends on the care taken in its configuration, as poorly defined criteria can create risks by concentrating investments or leaving some funds inactive. Once Auto-invest is activated, it is advisable to check during the first few days that the investments match the defined goals.
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About the Author
Silvère is an economist and IT engineer with numerous years of experience in business management, FinTech investment and digital marketing. He invests mainly in crowdlending especially P2P lending, P2B lending, and real estate crowdfunding.
Article sources
1. Auto-invest Overview
2. Creating an Auto-invest Strategy
3. Stopping Auto-invest
4. How Hive5 Works
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