Mintos vs Swaper
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
 Mintos |  Swaper | |
|---|---|---|
| Community ranking 2026 | #16 of 34 | #27 of 34 |
| Median net return (XIRR) | 10.9% | 13.3% |
| Median cash drag | 3.0% | 6.9% |
| Investors on P2P Dash | 969 | 304 |
| Combined portfolio value | €9.56M | €2.48M |
| Interest earned all-time | €3.28M | €462K |
Platform facts
| Founded | 2015 | 2019 |
| Headquarters | 🇱🇻 Latvia | 🇪🇪 Estonia |
| Regulated | Yes | No |
| Buyback Guarantee | Yes | 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.
Mintos
10.3%
Last 12 months · All time 10.9%
202 investors
Swaper
13.5%
Last 12 months · All time 13.3%
64 investors
11.9%
12.2%
2017
12.1%
12.8%
2018
12.0%
11.7%
2019
10.6%
13.6%
2020
9.6%
13.3%
2021
6.8%
12.4%
2022
10.3%
13.3%
2023
10.2%
13.4%
2024
11.3%
12.8%
2025
8.9%
14.7%
2026
Swaper came out ahead in 8 of the 10 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
Mintos Middle 50% of investors: 9.0% – 12.6%
Median net return (XIRR): 10.9%
Swaper Middle 50% of investors: 12.3% – 14.0%
Median net return (XIRR): 13.3%
Swaper investors sit closer together: 1.7% between the 25th and 75th percentile, against 3.6%.
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
200 investors track both platforms.
21% of Mintos investors also track Swaper.
66% of Swaper investors also track Mintos.
What the data says
Measured by real portfolios on P2P Dash, Swaper currently delivers the higher median net return: 13.3% versus 10.9% at Mintos.
Investor sentiment currently favors Mintos: 55% of stated strategies are “add funds” or “reinvest”, versus 38% at Swaper.
Mintos is the bigger platform on P2P Dash, with 969 investors tracking it versus 304 for Swaper.
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 Swaper?
Among P2P Dash investors, Swaper currently shows the higher median net return (XIRR): 13.3% versus 10.9% (as of August 3, 2026). The middle 50% of portfolios earn 9.0% – 12.6% at Mintos and 12.3% – 14.0% at Swaper.
Which has done better recently, Mintos or Swaper?
Over the last 12 months Swaper shows the higher median net return: 13.5% against 10.3%. All time the figures are 10.9% for Mintos and 13.3% for Swaper (as of August 3, 2026).
Where do investors put new money right now, Mintos or Swaper?
As of August 3, 2026, 55% of stated strategies at Mintos are “add funds” or “reinvest”, compared to 38% at Swaper.
Do investors use Mintos and Swaper at the same time?
200 investors on P2P Dash track both platforms. 66% of Swaper investors also have Mintos in their portfolio.
How do I compare my own returns on Mintos and Swaper?
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.