InSoil 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
 InSoil |  Mintos | |
|---|---|---|
| Community ranking 2026 | #33 of 34 | #16 of 34 |
| Median net return (XIRR) | 8.5% | 10.9% |
| Median cash drag | 2.6% | 3.0% |
| Investors on P2P Dash | 56 | 969 |
| Combined portfolio value | €121K | €9.56M |
| Interest earned all-time | €25.8K | €3.28M |
Platform facts
| Founded | 2020 | 2015 |
| Headquarters | 🇱🇹 Lithuania | 🇱🇻 Latvia |
| Regulated | Yes | Yes |
| Buyback Guarantee | No | Yes |
| Secondary Market | Yes | Yes |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
InSoil
9.7%
Last 12 months · All time 8.5%
12 investors
Mintos
10.3%
Last 12 months · All time 10.9%
202 investors
11.0%
10.3%
2023
9.6%
10.2%
2024
9.0%
11.3%
2025
8.0%
8.9%
2026
Mintos came out ahead in 3 of the 4 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
InSoil Middle 50% of investors: 5.9% – 10.5%
Median net return (XIRR): 8.5%
Mintos Middle 50% of investors: 9.0% – 12.6%
Median net return (XIRR): 10.9%
Mintos investors sit closer together: 3.6% between the 25th and 75th percentile, against 4.5%.
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
45 investors track both platforms.
80% of InSoil investors also track Mintos.
5% of Mintos investors also track InSoil.
What the data says
Measured by real portfolios on P2P Dash, Mintos currently delivers the higher median net return: 10.9% versus 8.5% at InSoil.
Investor sentiment currently favors Mintos: 55% of stated strategies are “add funds” or “reinvest”, versus 24% at InSoil.
Mintos is the bigger platform on P2P Dash, with 969 investors tracking it versus 56 for InSoil.
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: InSoil or Mintos?
Among P2P Dash investors, Mintos currently shows the higher median net return (XIRR): 10.9% versus 8.5% (as of August 3, 2026). The middle 50% of portfolios earn 5.9% – 10.5% at InSoil and 9.0% – 12.6% at Mintos.
Which has done better recently, InSoil or Mintos?
Over the last 12 months Mintos shows the higher median net return: 10.3% against 9.7%. All time the figures are 8.5% for InSoil and 10.9% for Mintos (as of August 3, 2026).
Where do investors put new money right now, InSoil or Mintos?
As of August 3, 2026, 24% of stated strategies at InSoil are “add funds” or “reinvest”, compared to 55% at Mintos.
Do investors use InSoil and Mintos at the same time?
45 investors on P2P Dash track both platforms. 80% of InSoil investors also have Mintos in their portfolio.
How do I compare my own returns on InSoil 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.