FF Forest review 2025 – Up to 18% with forestry

Last updated on:November 17, 2025

FF Forest* is a new and exciting platform that promises to combine interest rates with forestry, and not just a little. The team is currently talking about an annual interest rate of 18% with daily interest payments, which would make FF Forest one of the most profitable platforms in this segment at the moment.

At the same time, there are a few points that may initially deter potential investors, primarily the topic of blockchain and crypto. I was also skeptical at first, and I usually stay away from such concepts, but in this case, the combination of sustainability, returns, and technology convinced me.

As always, I invested myself before writing this article, in this case around EUR 10,000 + 3% cashback. This allows me to show you not only the theory, but also my real experiences as an investor, because the platform has actually been in my portfolio since its launch in September. However, I let the project run for a while before writing about it, because I wanted to understand it in its entirety.

You can find additional tutorials on the homepage of the English section of my blog.

(The extra 1% applies to all investments made in the first 180 days. In addition, there is an extra 3% cashback until December 31, 2025. Details here.)

Skin in the Game: I am invested in this P2P platform with over EUR 10,000!

ᐅ Disclaimer
Please note my disclaimer. I do not provide any investment advice or make any recommendations. I am personally invested in all the P2P platforms I report on. All information is provided without guarantee. Past performance is not indicative of future results. All links to investment platforms are usually affiliate/advertisement links (possibly marked with *), where you can benefit, and I earn a small commission.

Inhalte

What is FF Forest?
- What exactly is FF Forest all about?
FF Forest Review – All important data at a glance
- The history of FF Forest
- The lates news from FF Forest
Registration for investors
FF Forest Review: How does the platform work?
Is investing with FF Forest risky?
Advantages and disadvantages of FF Forest
- Disadvantages
- Advantages
Conclusion of my FF Forest review

What is FF Forest?

FF Forest is a new platform that allows private investors to invest in tokenized forest areas and earn interest at the same time. As with traditional P2P platforms, there is a real asset in the background, in this case forests in Latvia, combined with blockchain technology for transparency and tradability. The cool thing is that you can invest with cryptocurrencies, but you don’t have to.

The most important features at a glance:

Daily interest credit from day one, currently advertised at 18% p.a.
Investments possible from EUR 500 or USDC 500.
Investment in real forest areas in Latvia, verifiably tokenized via blockchain.
CO₂ certificates as an additional ecological impact and potential source of income.
Planned secondary market for trading tokens.
Digital management & high transparency through blockchain technology.
It is possible to connect your own Web3 wallet and manage and control the tokens yourself!

What exactly is FF Forest all about?

Let’s now go into the details. SIA FF Forest operates specifically in Latvia. Its goal is to raise money from private investors and, in return, give them access to a supposedly profitable sector. At the same time, the company uses modern technologies to maximize profits.

To this end, FF Forest works closely with two partners. Timbro (company profile), a rapidly expanding forestry company that handles the entire process from land purchase, management, and harvesting to reforestation, and Apply, a leading developer of AI-powered hardware solutions in Northern Europe. Apply (company profile) supplies machines and systems that increase speed and profitability, giving FF Forest a clear competitive advantage.

Furthermore, the software core is based on the FinForta* platform, which has been on the market for some time and is also very interesting. The team that maintains and develops the software is also identical.

The business model is simple but coherent. FF Forest buys undervalued, already deforested land in Latvia. Usable areas are strategically managed and selected areas are reforested to generate CO₂ certificates. At the same time, agricultural land is sold to farmers to generate short-term income. Once a certain area size is reached, FF Forest refinances its portfolio through banks or other financial institutions in order to use the funds more efficiently and acquire new land.

The legal protection is particularly interesting for investors. In cooperation with the Latvian Blockchain Association, a framework has been created that records the usage and income rights of investors in both official state registers and on the blockchain. This creates a high degree of transparency and independence. FF Forest thus combines a real asset, namely a forest area, with the advantages of tokenization and promises its investors not only an ecological impact but also an attractive return of, as mentioned at the beginning, 18% p.a. with daily distributions.

FF Forest Workflow for investments in EUR.

FF Forest Review – All important data at a glance

Before we go into the details of the FF Forest review, here is the most important data for you in one place.

Started:	2025
Company Headquarters:	Riga, Latvia, but operating as SIA FF Forest in Latvia
CEO / Corporate management:	Gunars Udris, there from the start
Regulated:	No
Assets under Management:	unknown
Financed Loan Volume:	unknown
Number of Investors:	unknown
Return on Investment:	No average available yet, but current projects are listed at 18%.
Buyback guarantee:	Yes, and each project is also backed by real values.
Minimum investment amount:	500 EUR
Auto Invest:	No
Secondary Market:	No (however, early withdrawal from the project with a discount is possible after 6 and 12 months)
Issue of a tax certificate:	No, but it is in the planning stage.
Investor loyalty program:	Not yet
Starting bonus:	Yes, 1% of the amount invested via this link* (credited at the end of each month).
Rating:	not yet rated
Community Voting:	not yet rated
Last annual report:	No annual report has been published yet due to the age of the company.

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Crypto.com Visa (Crypto credit card with many benefits + 25$ starting bonus, info here)
Freedom24 (International broker with access to almost all shares worldwide –> guide to the product).
LANDE (Secured agricultural loans with over 10% return and 3% cashback) –> Complete guide to the product.
PeerBerry (right now one of the best P2P platforms in my portfolio) –> Complete guide to the product.
Monefit SmartSaver (Liquid and readily available investment alternative with 7.50 – 10.52% return and 0.50% cashback on deposits + 5 EUR startbonus) –> Complete guide to the product.

The history of FF Forest

2025: Foundation of FF Forest.

The lates news from FF Forest

09/25: FF Forest begins financing.

Registration for investors

Registering on FF Forest is not particularly complicated. It consists of the following steps:

Create an account by entering your email address and password.
Verify your identity (e.g., with your ID card) in less than a minute.
Enter your personal data later on.

You can also register with your company if you have one and want to invest through it. After registering and making a deposit, you are then ready to invest in your first forestry projects. Alternatively, you can also register via single sign-on with Google or via a web3 wallet. The latter in particular is likely to be quite unique in the P2P space so far.

Signing up with FF Forest is quick and easy.

FF Forest Bonus

Via my link*, you will receive 1.0% cashback on all investments you make in the first 180 days after registering. The bonus is always credited at the end of the month. This is a very generous and long-term bonus and offers the perfect starting conditions for an investor.

From time to time there are also limited-time bonus promotions at Asterra Estate. These are always listed promptly in my P2P platform comparison. If you use my link, you do not need to enter a referral code when registering!

How do I deposit money?

Depositing money is, as always, the easiest step in investing. In your dashboard, click on “Add Funds” and you will be taken directly to the deposit screen. Alternatively, you can click on your name in the top right-hand corner and go to “Deposit.” Here you can then transfer money to the account stored there.

Please note that the transfer must come from a personal bank account. This account will also be verified for subsequent withdrawals.

The payment details from FF Forest.

In addition to EUR, you can also deposit cryptocurrencies via the Ethereum blockchain. The stablecoins USDC and USDT are accepted, which you can also use to invest later. Please note that this also exposes you to currency risk and opportunity due to the EUR/USD exchange rate. In addition, there may be costs for transferring cryptocurrencies, which you will have to bear yourself, and your personal responsibility is also significantly higher.

In this article, we will mainly focus on investing in EUR, as this is more practical and easier for most people. Nevertheless, I can only encourage everyone to familiarize themselves with topics such as web3, stablecoins, wallets, etc. in the future. This is because it will increasingly become part of products.

The deposit details for FF Forest using cryptocurrencies.

How do I withdraw money?

If you want to withdraw capital or excess interest from FF Forest, click on your name in the top right corner and select “Withdraw.”

There is no fee for withdrawing funds. Funds can only be withdrawn to a bank account that belongs to you. If you want to register a new account for withdrawals, you must make a new deposit from a new personal account. Funds can be withdrawn from EUR 10.

I have already tested the withdrawal process, as FF Forest proceeded directly to withdrawal after the investment. I made the withdrawal on a Saturday and the money was credited directly to my bank account (real-time transfer). Not many platforms can do that! Here’s the proof:

A few minutes after the payment was made to FF Forest, the money was in my account.

How long does the deposit take?

Based on my own FF Forest experience, the deposit to the platform’s account takes approx. 1 – 2 days. However, if you use Revolut* or Wise*, for example, the transfer is sometimes available more quickly. Since Asterra Estate uses Revolut itself, this is probably the fastest option.

I have not tested the deposit process using cryptocurrency.

Can I also deposit and withdraw by credit card?

At the moment, you cannot use credit cards for deposits and withdrawals. These must be made with a bank account. Depositing via a bank account is also used for identification purposes.

However, if you use Wise or Revolut, you can top up these accounts by credit card if you wish. You can then carry out the transfer to FF Forest via this.

FF Forest Review: How does the platform work?

After registering with FF Forest, you can use the “Projects” button to view existing projects and conduct your own research. Investors manually select projects that are presented publicly with a few key facts.

The project details are not as extensive as those provided by Ventus Energy, Asterra Estate, or Devon, for example. Basically, only Timbro’s business model is explained, and each profile therefore looks identical. Similar to LFDF on Debitum, you are only financing the forestry business in the background. There is also no individual information about the individual LFDF projects. However, this is an unregulated direct investment and not an investment via a regulated marketplace. This comes with the usual advantages and disadvantages.

Information from a profile in my own portfolio.

As mentioned at the beginning, interest is credited daily like clockwork. In addition, I often see questions in many groups on platforms with daily payouts asking when the interest will finally be credited, or complaints when it doesn’t arrive at the usual time X. FF Forest has solved this cleverly by including a timer in the dashboard where you can see how long it will be until the next interest payment.

Auf FF Forest gibt es keine Unsicherheit, wann die nächsten Zinsen kommen.

As with Bondora Go & Grow or Monefit SmartSaver, you can also rely on daily interest payments with FF Forest. Only at a slightly higher interest rate 🙂 Since I started in September, everything has run smoothly.

Excerpt from my daily transactions.

Is there an Auto Invest

Since there will only be a very small number of projects on the platform, there is no Auto Invest feature on FF Forest. I also doubt that we will see this in the future.

Is there a secondary market?

There is no secondary market on FF Forest. Similar to Fintown, Ventus Energy, etc., however, you do not have to hold the projects until the end of their term. There is a minimum term after which you can withdraw your capital. The minimum term depends on the respective project and can be found in the project brief. As far as I can see, it starts from the sixth month.

Unlike Ventus Energy, however, you return your investment to FF Forest at a reduced interest rate and do not sell your claim to another investor. The interest rate reduction in my projects is 3% after 6 months (15% instead of 18%) and 1.5% after 12 months (16.5% instead of 18%). You can keep any cashback earned up to that point. I asked about this explicitly!

As with the other platforms, we will probably only see how this will work in practice when the time comes. According to management, a button will appear after 6 months that you can use to initiate the repurchase. This should then be completed in 2-4 weeks.

In which countries can you invest?

On FF Forest, you can only invest in forest and land areas in the home market of Latvia. Latvia is a densely forested country, so I don’t think we’ll see expansion into other regions anytime soon.

What projects can you invest in on FF Forest?

On FF Forest, you provide the company with money via loans for reforestation and forest management. There are clear terms and fixed interest rates. Since this is the purpose of this platform, I don’t think we will see other types of projects in the future. Anyone who invests in FF Forest is clearly focusing on the “forest” factor.

A typical project on FF Forest.

What are the costs on FF Forest?

Investing on FF Forest is free at all levels. You may only incur costs if you work on a crypto basis (transaction fees, swap fees, etc.). I would therefore recommend that you simply stay with euros to keep your investment simple.

What is the return on FF Forest?

The return you can earn on FF Forest is very attractive. It is currently 18% for all projects. However, depending on demand on the platform, we can assume that this will change in the future (usually downwards). However, I don’t see any further changes for 2025. For 2026, it will depend heavily on how the platform develops.

What is the minimum investment amount on FF Forest?

The minimum investment amount on FF Forest is EUR 500. Recently, we have been seeing more and more new platforms with high minimum investments, usually as high as EUR 1,000. The aim here is to avoid investing effort in micro-investors who invest EUR 10 and then have 20 questions for support. In my opinion, this is okay and understandable, especially for small platforms with limited staff and capital resources.

Does FF Forest offer a buyback guarantee?

FF Forest advertises with a buyback guarantee. The land that is being farmed is owned by them and already has a fixed farming and sales plan for the specified term of the loan. The risk of default therefore seems manageable. However, as always, it should be clear that you could lose your entire invested capital.

Is there an app for FF Forest?

No, FF Forest does not currently offer an app for smartphones.

Can you invest money in other currencies?

Yes, on FF Forest you can invest in the cryptocurrencies USDC and USDT as well as euros. However, as this involves additional costs, I would stick with euros here.

How exactly do taxes work on FF Forest?

The platform doesn’t deduct any taxes on your behalf. You are responsible for reporting your earnings to the tax authorities in your jurisdiction.

Is there a tax statement on FF Forest?

Currently, there is no tax certificate available on FF Forest Estate. The platform is still in its early stages, and we currently have to make do with a simple transaction overview, which can be downloaded.

The transaction history on FF Forest.

Is investing with FF Forest risky?

I can’t draw many conclusions from my experience with FF Forest so far, as I have only recently become active on the platform. In addition, FF Forest still has little track record, so much of it is just speculation. A lot will depend on how the platform is received by investors and how it develops. As always, getting involved in such projects early on offers both risks and opportunities.

How does FF Forest earn money?

FF Forest generates revenue through:

the sale of emission certificates and land,
the low-cost purchase of assets,
the increase in land value,
income from timber and CO₂,
and the efficient use of technology.

However, in the initial phase of the platform, the company will be supported by the personal resources of its management.

Is FF Forest profitable?

Since FF Forest has only just started, the company is logically not yet profitable. I don’t think investors should expect it to be anytime soon.

What happens if FF Forest becomes insolvent?

If something happens to the platform, it will not affect your investments for the time being and these will continue to run. The financed land can be sold. There are also plans to allow investors to trade the acquired shares themselves via the blockchain at a later date. However, I would not rely on this.

Otherwise, as usual in the event of insolvency, an insolvency administrator will take over the settlement of the remaining projects and payments and distribute the funds accordingly.

We know from past experience that insolvency proceedings are lengthy and opaque. The insolvency of FF Forest is therefore a potential risk to your money!

How reputable is FF Forest?

FF Forest works in partnership with several well-known companies such as Timbro, Apply, and the long-established platform Finforta, mentioned above. So you can be fairly certain that this is not a website builder designed to rip off small investors 😀 Some of the names in the team register also looked familiar to me right away. Latvia is a small country and the industry is even smaller. So this is not unusual.

If you dig a little deeper, you will see that CEO Gunars Udris was co-founder and COO of the failed investment Crowdestor. At some point along the way, however, he left the company and went his own way, which has now brought him back to the industry as CEO. According to his LinkedIn profile, he has also been working for the sister platform FinForta* since 2024. The fact that Gunars once worked for Crowdestor or co-founded the company is therefore not a negative sign. After all, another COO of Crowdestor is now also CEO of a well-known P2P platform. As I said, Latvia and the industry are small.

CEO Gunars Udris leads the FF Forest team.

How secure is FF Forest?

In my opinion, the platform and concept make a solid impression, and I have been in contact with the management since INVEST in April and am following the idea. In general, forest investments in the Baltic States seem to be doing well so far, as we can see from other examples, and even the furniture store IKEA seems to be investing heavily here. I therefore consider the risk to be calculable for my portfolio. Of course, you have to do your own research and make a decision if you are interested in this topic.

It should be clear that we are investing in a platform that is still under development and, as always, a lot can happen. In return, we are getting a princely return, which will certainly not remain at this level. If the return drops, then we know that things are going well 🙂

In addition to the fact that we are investing in real asset-based assets, an early exit can also ensure a peaceful night’s sleep if, after 6 months, you realize that FF Forest is perhaps not as comfortable as you thought. However, I do not assume that I will or must take this option.

Are there defaults on FF Forest?

No, there have been no defaults on FF Forest so far. I am also not aware of any problems with the other companies with which we have partnerships, nor have I found any.

Is there deposit protection on FF Forest?

No, there is no deposit protection. Your funds held and invested on the platform are exposed to a risk of default. Even if the platform is registered in Latvia, as an unregulated platform it is not covered by the investor protection system.

Is FF Forest crisis-proof?

No platform is completely crisis-proof! This also applies to FF Forest.

Advantages and disadvantages of FF Forest

Before we come to a final conclusion about the platform, here is a summary of the pros and cons based on my experience with FF Forest.

Disadvantages

The platform is not regulated.
There may be project delays or a market slump.
Relatively high entry barrier (EUR 500).
Very young company with little track record.
No annual reports published to date.

Advantages

Attractive interest rates of up to 18%.
Daily interest accrual.
Loans are secured by real land.
Early exit possible.
No withholding tax.
Sustainable investment, for those who care.

Conclusion of my FF Forest review

FF Forest is the last new P2P investment in 2025 for my portfolio and another one from the “I don’t have to do anything” category 🙂 So it doesn’t increase the management effort of my portfolio, which now comprises over 20 platforms, apart from the initial research and tracking of the company, which I would have done anyway as a well-informed blogger in the field.

The platform is still a very young company and, as always, a lot can go wrong along the way. Apart from all the crypto stuff, which you don’t necessarily have to use, I see FF Forest as a good addition to my previous forest investments on the Debitum platform. So if you feel uncomfortable with the heavily promoted and overwhelming LFDF investments there, but are otherwise satisfied, you may find FF Forest to be another profitable opportunity for the future.

I also have a good and friendly relationship with the management at FF Forest. I have known founder Gunars Udris since the early days of Crowdestor. And as always with new platforms, good contact with management and an opinionated community in the background can help shape a company, which I definitely see as an advantage.

But as always, my decision does not have to be your decision. You are responsible for your own investments! My P2P portfolio is slowly but surely approaching EUR 700,000. If I were to lose FF Forest or any other platform of that size, it would currently represent only two months’ interest income and merely an annoying loss. So, with this strong foundation, I can take significantly higher risks than I could in previous years, and I’m really enjoying that, as you may have noticed 🙂 Let’s see when I take my first tumble.

Is there a FF Forest forum for discussions?

Asterra Estate has an own telegram channel. However, this is not open to the public, but only to registered investors. After your registration, you will get an access link in the first few days to start the discussion with other fellow investors.

Is there a FF Forest bonus or a referral program at the beginning?

Yes, if you register via a link on this blog, you will receive a bonus of 1% of the capital invested during the first 180 days. The bonus is always credited at the end of the month.

I would be grateful if you would use my links as a token of appreciation for this free contribution. This will not cause you any disadvantages, only advantages.

What alternatives are there to FF Forest?

The only platform that currently comes into question as an alternative is Debitum. Specifically, the lender LFDF, which pursues a similar business model. The interest rate is slightly lower, but in return you get a regulated P2P platform that has been on the market for some time.

ᐅ Do you want more information about the different platforms?
Then take a look at my P2P platform comparison now. There you will find more information and/or articles about the platforms where I invest.

About the author

Hi there! I’m Lars Wrobbel, and I’ve been writing on this blog about my experiences with investing in P2P loans since 2015. I also co-authored the German standard work on this topic with Kolja Barghoorn, which became a bestseller on multiple platforms and is regularly updated.

In addition to the blog, I host as well Germany’s largest P2P community, where you can exchange ideas with thousands of other investors when you need quick answers.

FF Forest Review 2025 – 18% with forestry

New and risky platform with good earning potential at the beginning.

Bewertung des Redakteurs:
4.5