Once you have made a deposit into your individual Modulr Account (funds ultimately held with bank Santander), a member of Orca will update your Orca portfolio display. Initially, all funds will be held in cash, as represented by the ‘Total Cash’ figure. We will then invest your cash across the P2P platforms within your Orca portfolio, as determined by the asset allocation of your portfolio - the figure associated with ‘Total Invested’ will then update.


Total Cash: This figure represents the amount of money held in cash, which is held in your segregated Modulr Account and is not out on loan.


Total Invested: This figure represents the amount of funds invested across the P2P platforms held within your Orca portfolio. It’s important to remember that these funds are out on loan.

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