Mintos
Mintos is a multi-asset investment platform based in Riga, Latvia, which opened to investors in 2015. Investors buy Notes backed by consumer, car and business loans from lending companies in Europe, Latin America, Central Asia and Africa, and can also invest in bonds, ETFs, fractional residential real estate, the Smart Cash money market fund and crypto ETPs. AS Mintos Marketplace holds investment firm licence 06.06.08.719/534, issued on 17 August 2021 and supervised by Latvijas Banka; a group company holds the electronic money institution licence for the payment side. Investors are covered by the Latvian investor compensation scheme up to 20,000 EUR, which applies if Mintos fails to return money or instruments and not to loan defaults. Most Sets of Notes carry a buyback obligation: if an underlying loan is more than 60 days late, the lending company must repurchase it and the Notes are redeemed early. Notes can also be sold to other investors on a secondary market.
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Mintos in real numbers
Anonymized statistics from all Mintos portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
10.5%
Based on 679 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 273 stated strategies
Combined portfolio value
€10,082,262
Investors on P2P Dash
1,069
Interest earned all-time
€3,448,561
Median cash drag
3.1%
Share of funds sitting uninvested
Important Notes
- Values may differ slightly from Mintos dashboard, as Mintos does not export all transactions (e.g., losses) and includes pending payments not yet in exports
- Defaults are not exported, but can be requested from support
- Import for defaults is not yet implemented
- Mintos explanation: Defaulted interest/principal is directly deducted from Pending account, not from personal account, therefore not visible in Account Statement
- Direct Bonds: Mintos books coupon payments and principal repayments under the same transaction type ("Transfer from investments in bonds") and does not export the split. P2P Dash books them as principal repayments, so interest income from Direct Bonds is shown lower than it actually is. Premium and discount amounts are not exported correctly either. Mintos has acknowledged this and plans to improve the account statement for bonds.
Compare Mintos head-to-head
Mintos returns over time
Median annual return of Mintos investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
9.7%
270 investors
12.1%
2016
11.9%
2017
12.1%
2018
12.0%
2019
10.6%
2020
9.6%
2021
6.9%
2022
10.3%
2023
10.2%
2024
11.2%
2025
8.8%
2026
Is money moving into Mintos?
Monthly deposits minus withdrawals across Mintos investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€367,663
1,069 investors tracking
In Q3 2026, Mintos ranks 46 of 50 platforms by net capital flow. See all capital flows for Q3 2026 →
Mintos investors also track
Share of Mintos investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
Alternatives to Mintos
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
Full ranking: Consumer loans → Business loans (SME) → Real estate → Yield accounts →
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.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,981 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Mintos
Answers based on anonymized community data from P2P Dash investors.
What is Mintos?
Mintos is a peer-to-peer lending platform, founded in 2015 (headquarters: Latvia). On P2P Dash, investors import their Mintos account statements to track the real net return they earn there.
What return do investors actually earn with Mintos?
Across 679 Mintos portfolios tracked on P2P Dash, the median net return (XIRR) is 10.5%. The middle 50% of investors earn between 8.8% and 12.2% (as of September 18, 2026).
How many investors track Mintos on P2P Dash?
1,069 investors track their Mintos portfolios on P2P Dash, with a combined portfolio value of €10,082,262 and €3,448,561 in interest earned all-time.
How does Mintos rank among P2P platforms?
Mintos ranks 15 of 27 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Mintos?
Of 273 stated strategies for Mintos, 54% plan to add funds or reinvest, 15% intend to hold, and 31% plan to reduce or exit (as of September 18, 2026).
Is Mintos regulated?
Yes, Mintos is a regulated platform supervised by Latvijas Banka.
Does Mintos offer a buyback guarantee?
Yes, Mintos offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Mintos portfolio?
Export your transaction history from Mintos (csv, excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Mintos?
Based on the community ranking, the closest alternatives to Mintos in the same asset class are Nectaro, Afranga, Modena. Each platform page shows real median returns and investor numbers from the P2P Dash community.