About Mintos

Mintos is Europe's leading platform for investing in loans, with over 500,000 registered users. Initially launched as a peer-to-peer (P2P) lending marketplace, Mintos has evolved significantly. Today, it operates as a fully regulated investment firm, offering investments in loans through financial instruments called "Notes" (asset-backed securities).

The platform connects retail investors with lending companies from around the world. These lending companies issue consumer, agricultural, or business loans, and investors can fund portions of these loans to earn a yield. Historically, average returns on the platform have hovered between 9% and 11% annually, making it highly attractive in low-interest-rate environments. However, investors must note that these returns are not guaranteed and are commensurate with the higher risk profile of consumer lending.

Recently, Mintos has expanded its offering beyond loans. Investors can now access Fractional Bonds (corporate and high-yield bonds starting from €50) and zero-commission ETF portfolios, transforming Mintos into a broader multi-asset wealth-building platform.

Is It Regulated & Safe?

Yes. A major differentiator for Mintos compared to smaller P2P platforms is its regulatory status. Mintos operates as an authorized investment firm regulated by the Central Bank of Latvia (Latvijas Banka, which recently merged with the FCMC).

Because it is a regulated entity in the European Union, investors benefit from the national investor compensation scheme, which protects up to €20,000 of uninvested cash in the event that Mintos itself goes bankrupt. Important Note: This scheme does not protect against investment losses if the underlying loans default or if a lending company fails. To mitigate this, Mintos implements strict due diligence on lending companies and assigns them risk scores.

Who Is It Best For?

Mintos is best suited for yield-seeking investors who want to diversify their portfolios away from traditional stock markets and bonds by adding alternative fixed-income assets. It is particularly appealing to European investors looking for passive income.

Thanks to its Mintos Core and custom Auto-Invest features, it is an excellent platform for passive investors. You simply set your risk criteria, target interest rate, and maximum investment amount, and the algorithm automatically builds and maintains a diversified portfolio of loans for you.