Mintos vs Modena
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 September 18, 2026
 Mintos |  Modena | |
|---|---|---|
| Community ranking 2026 | #15 of 27 | #7 of 27 |
| Median net return (XIRR) | 10.5% | 10.7% |
| Median cash drag | 3.1% | 0.0% |
| Investors on P2P Dash | 1,069 | 322 |
| Combined portfolio value | €10.1M | €1.24M |
| Interest earned all-time | €3.45M | €47.4K |
Platform facts
| Founded | 2015 | 2019 |
| Headquarters | 🇱🇻 Latvia | 🇪🇪 Estonia |
| Regulated | Yes | Yes |
| Buyback Guarantee | Yes | Yes |
| Secondary Market | Yes | No |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
Mintos
9.7%
Last 12 months · All time 10.5%
270 investors
Modena
9.4%
Last 12 months · All time 10.7%
23 investors
11.2%
12.6%
2025
8.8%
11.5%
2026
Modena came out ahead in 2 of the 2 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
198 investors track both platforms.
19% of Mintos investors also track Modena.
61% of Modena investors also track Mintos.
What the data says
Both platforms currently deliver a similar median net return: 10.5% at Mintos versus 10.7% at Modena.
Investor sentiment currently favors Modena: 62% of stated strategies are “add funds” or “reinvest”, versus 54% at Mintos.
Mintos is the bigger platform on P2P Dash, with 1,069 investors tracking it versus 322 for Modena.
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: Mintos or Modena?
Among P2P Dash investors, Modena currently shows the higher median net return (XIRR): 10.7% versus 10.5% (as of September 18, 2026). The middle 50% of portfolios earn 8.8% – 12.2% at Mintos and 9.4% – 12.8% at Modena.
Where do investors put new money right now, Mintos or Modena?
As of September 18, 2026, 54% of stated strategies at Mintos are “add funds” or “reinvest”, compared to 62% at Modena.
Do investors use Mintos and Modena at the same time?
198 investors on P2P Dash track both platforms. 61% of Modena investors also have Mintos in their portfolio.
How do I compare my own returns on Mintos and Modena?
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.
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
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.