Mintos
Mintos is Europe's largest peer-to-peer lending marketplace, founded in 2015 and headquartered in Riga, Latvia. The platform connects investors with loans from over 60 lending companies across 33 countries, offering access to consumer, business, and secured loans as well as bonds, ETFs, a Smart Cash money-market account, and crypto. Regulated by the Central Bank of Latvia under MiFID II since 2021, Mintos has facilitated over 12.9 billion EUR in investments. The platform features a secondary market, and most loans include buyback guarantees from loan originators.
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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)
10.9%
Based on 576 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 242 stated strategies
Combined portfolio value
€9,563,288
Investors on P2P Dash
969
Interest earned all-time
€3,275,412
Median cash drag
3.0%
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: The account statement export is incomplete for Direct Bonds investments - principal repayments and interest payments share the same transaction type ("Transfer from investments in bonds"), and premium/discount amounts are not properly exported. This causes value discrepancies that P2P Dash cannot resolve until Mintos improves their export. Mintos has acknowledged this limitation and plans to improve the account statement section 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
10.3%
202 investors
12.0%
2016
11.9%
2017
12.1%
2018
12.0%
2019
10.6%
2020
9.6%
2021
6.8%
2022
10.3%
2023
10.2%
2024
11.3%
2025
8.9%
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
+€533,137
969 investors tracking
In Q2 2026, Mintos ranks 7 of 45 platforms by net capital flow. See all capital flows for Q2 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.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,761 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 576 Mintos portfolios tracked on P2P Dash, the median net return (XIRR) is 10.9%. The middle 50% of investors earn between 9.0% and 12.6% (as of August 3, 2026).
How many investors track Mintos on P2P Dash?
969 investors track their Mintos portfolios on P2P Dash, with a combined portfolio value of €9,563,288 and €3,275,412 in interest earned all-time.
How does Mintos rank among P2P platforms?
Mintos ranks 16 of 34 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 242 stated strategies for Mintos, 55% plan to add funds or reinvest, 15% intend to hold, and 30% plan to reduce or exit (as of August 3, 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.