Fintown vs Mintos
Which platform performs better in 2026? Anonymized data from real investor portfolios on P2P Dash: returns, sentiment and facts side by side.
Community data compared
As of August 3, 2026
 Fintown |  Mintos | |
|---|---|---|
| Community ranking 2026 | #20 of 34 | #16 of 34 |
| Median net return (XIRR) | 10.6% | 10.9% |
| Median cash drag | 1.2% | 3.0% |
| Investors on P2P Dash | 165 | 969 |
| Combined portfolio value | €1.25M | €9.56M |
| Interest earned all-time | €205K | €3.28M |
Platform facts
| Founded | 2022 | 2015 |
| Headquarters | 🇨🇿 Czechia | 🇱🇻 Latvia |
| Regulated | No | Yes |
| Buyback Guarantee | No | Yes |
| Secondary Market | No | Yes |
| Auto-Invest | No | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
Fintown
11.1%
Last 12 months · All time 10.6%
26 investors
Mintos
10.3%
Last 12 months · All time 10.9%
202 investors
10.7%
10.3%
2023
7.5%
10.2%
2024
10.1%
11.3%
2025
12.6%
8.9%
2026
Mintos came out ahead in 2 of the 4 years both platforms have data for.
Where the money is going
Deposits minus withdrawals per month over the last year, across the investors who track each platform.
Investors who track both
110 investors track both platforms.
67% of Fintown investors also track Mintos.
11% of Mintos investors also track Fintown.
What the data says
Both platforms currently deliver a similar median net return: 10.6% at Fintown versus 10.9% at Mintos.
Investor sentiment currently favors Mintos: 55% of stated strategies are “add funds” or “reinvest”, versus 44% at Fintown.
Mintos is the bigger platform on P2P Dash, with 969 investors tracking it versus 165 for Fintown.
Anonymized, nightly aggregated community data from P2P Dash portfolios. Past performance is no guarantee of future results. This is not investment advice.
Frequently asked questions
Answers based on anonymized community data from P2P Dash investors.
Which delivers the higher return: Fintown or Mintos?
Among P2P Dash investors, Mintos currently shows the higher median net return (XIRR): 10.9% versus 10.6% (as of August 3, 2026). The middle 50% of portfolios earn 8.6% – 11.6% at Fintown and 9.0% – 12.6% at Mintos.
Which has done better recently, Fintown or Mintos?
Over the last 12 months Fintown shows the higher median net return: 11.1% against 10.3%. All time the figures are 10.6% for Fintown and 10.9% for Mintos (as of August 3, 2026).
Where do investors put new money right now, Fintown or Mintos?
As of August 3, 2026, 44% of stated strategies at Fintown are “add funds” or “reinvest”, compared to 55% at Mintos.
Do investors use Fintown and Mintos at the same time?
110 investors on P2P Dash track both platforms. 67% of Fintown investors also have Mintos in their portfolio.
How do I compare my own returns on Fintown and Mintos?
Import your transaction exports from both platforms into P2P Dash for free. You get your real net return (XIRR), cash drag and income per platform, directly comparable in one dashboard.
See your own numbers side by side
Import your portfolios from both platforms for free and P2P Dash shows your real net return (XIRR), cash drag and income, per platform and combined.