{"id":14266,"date":"2020-10-22T06:00:00","date_gmt":"2020-10-22T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/mintos-review-2023-360-degree-analysis-and-evaluation\/"},"modified":"2026-10-13T18:09:51","modified_gmt":"2026-10-13T16:09:51","slug":"mintos-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/mintos-review\/","title":{"rendered":"Mintos Review 2026"},"content":{"rendered":"<span class=\"rtp-aktualisiert\">Last Update: 13 October 2026<\/span>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">With assets under management of EUR 800+ million and more than 600,000 registered users, Mintos is the largest P2P lending platform in Europe.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The platform is operated by the Latvian AS Mintos Marketplace, which has been regulated by the Latvian financial supervisory authority under MiFID II since August 2021.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Mintos offers a wide range of different asset classes. In addition to the classical loan offering, these include assets such as ETFs, stocks, bonds and real estate.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The COVID-19 pandemic and the war in Ukraine exposed weaknesses in the platform&#8217;s risk management. At its peak, up to EUR 150 million of investor funds were in recovery.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6ae54dbf3dd19 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ae54dbf3dd19 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ae54dbf3dd19 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ae54dbf3dd19 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ae54dbf3dd19 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ae54dbf3dd19{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ae54dbf3dd19:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ae54dbf3dd19 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ae54dbf3dd19 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ae54dbf3dd19\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img decoding=\"async\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Mintos.png\" alt=\"Mintos\" style=\"--smush-placeholder-width: 386px; --smush-placeholder-aspect-ratio: 386\/100;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:68%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(3.4)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive a \u20ac25 bonus if they invest at least \u20ac1,500 within 30 days after registration and hold that amount until day 90. Investments in Smart Cash do not count towards the requirement.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ae54dbf3dd19\" href=\"https:\/\/bit.ly\/rethink-p2p-goes-mintos\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I am invested with my own funds at Mintos since July 2024. Since then, I achieved a total return (XIRR) of 11,64%. My outstanding portfolio on the platform stands at 17.000 \u20ac.<\/p><div class=\"rtp-sitg-note\">Previously invested from October 2017 \u2013 October 2022 (total return: 7.22%)<\/div><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<h2><strong>What is <\/strong><strong>Mintos?<\/strong><\/h2>\r\n<p><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-mintos\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"size-full wp-image-12119 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/09\/Mintos-Bonus.jpg\" alt=\"mintos-review-logo\" width=\"300\" height=\"169\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><\/a><\/p>\r\n<p>Mintos is a P2P marketplace based in Latvia, which is operated by AS Mintos Marketplace. The operational launch of the platform took place in 2015. In the following years, Mintos has developed into one of the largest P2P platforms in Europe, thanks to a highly scalable business model with externally connected lenders.<\/p>\r\n<p>Mintos currently manages investor assets of EUR 600+ million, with more than 500,000 registered users.<\/p>\r\n<p>With its licence as a European investment company, Mintos has increasingly integrated other asset classes on the platform. In addition to the traditional and historically grown range of loans, the platform&#8217;s portfolio now also includes ETFs, bonds and real estate.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Mintos at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about Mintos at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>May 2014 \/ January 2015<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>AS Mintos Marketplace (<a href=\"https:\/\/info.ur.gov.lv\/#\/legal-entity\/40103903643\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Riga, Latvia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>Yes (Financial and Capital Market Commission)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/martinssulte\/\" target=\"_blank\" rel=\"noopener\"><strong>Martins Sulte<\/strong><\/a> (May 2014)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 753+ million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>600,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>10.4%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>6.2 \/ 10 (Rank 12 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Consumer Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Buyback Obligation<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3><strong>Origin Story<\/strong><\/h3>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Grundung-Mintos-Review-Origin-Story.jpg\"><img decoding=\"async\" class=\"alignleft wp-image-21992 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Grundung-Mintos-Review-Origin-Story.jpg\" alt=\"Mintos-Review-Origin-Story\" width=\"300\" height=\"400\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Grundung-Mintos-Review-Origin-Story.jpg 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Grundung-Mintos-Review-Origin-Story-225x300.jpg 225w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/400;\" \/><\/a>The Latvian <a href=\"https:\/\/www.linkedin.com\/in\/martinssulte\/\" target=\"_blank\" rel=\"noopener\"><strong>Martins Sulte<\/strong><\/a>, one of the founders and CEO of Mintos, was in the final stages of his MBA studies in 2014. At the time he wrote down some ideas about what he could do after graduation.\u00a0<\/span><\/p>\r\n<p>With his experience in the financial sector (Ernst &amp; Young, later investment banker at SEA) and his natural interest in technology, he wanted to combine both of his passions.<\/p>\r\n<p>After reading an article about the British platform Landbay on TechCrunch, he became aware of the P2P lending business model.<\/p>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">Together with<\/span> <a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/lv.linkedin.com\/in\/martins-valters-4712205\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Martins Valters<\/strong><\/a>, <span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">who<\/span><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"> had<\/span><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"> previously<\/span><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"> been<\/span><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"> his supervisor at Ernst &amp; Young<\/span>,<span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"> the two founded the company Mintos in 2014<\/span>.<\/p>\r\n<h3>Business Model<\/h3>\r\n<p>How does Mintos make money? The P2P marketplace generated revenue of EUR 14.1 million last year, spread across nine different income sources.<\/p>\r\n<p>Mintos earned 73.4% of its revenue (EUR 10.4 million) from service fees. These are fees charged to lending companies for listing assets on the Mintos platform. Historically, this position has always been the largest source of revenue for Mintos.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-32889 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026.png\" alt=\"Mintos-Review-Monetization\" width=\"1200\" height=\"427\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026-300x107.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026-1024x364.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-2026-Mintos-Review-Monetization-Mintos-Opiniones-2026-Mintos-Avis-2026-768x273.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/427;\" \/><\/a><\/p>\r\n<p>Net interest income, amounting to EUR 1.1 million (8.1% of revenue), was generated from uninvested investor funds. For context: Since receiving its investment brokerage license in 2021, Mintos has maintained a business relationship with the asset manager BlackRock, through which the platform parks uninvested investor funds in a money market fund managed by BlackRock.<\/p>\r\n<p>Other revenue sources include bond placement fees, management fees, one-off transaction fees charged to lending companies, inactivity fees for investors, commissions on foreign exchange conversions, and fees from transactions on the secondary market. These smaller items together account for approximately 18.5% of Mintos\u2019 total revenue.<\/p>\r\n<h3>Mintos On-Site Visit<\/h3>\r\n<p>Over the years, there have been several in-person meetings with Mintos founder and CEO Martins Sulte: In March 2019 in Riga, in late 2020 in Berlin and most recently in June 2024 also in Riga, as part of my P2P Lending Trip through the Baltic States.<\/p>\r\n<p>Already back in 2019, Martins has left a positive impression on me. Open, engaged and notably more approachable than expected. The most recent conversation in 2024 covered topics including the transformation of Mintos into a multi-asset platform, the development of the loan market and the launch of Mintos Smart Cash.<\/p>\r\n<p>Those interested in the content of our more recent conversations, here are the recorded interviews:\u00a0<a href=\"https:\/\/youtu.be\/b281IqBJ-vI\"><strong>December 2020<\/strong><\/a> | <a href=\"https:\/\/youtu.be\/T40_HhxQSkI\"><strong>January 2021<\/strong><\/a> | <a href=\"https:\/\/youtu.be\/30S5rwnsDrA\"><strong>June 2024<\/strong><\/a><\/p>\r\n<h3 data-pm-slice=\"1 1 []\">Mintos News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Mintos on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n<div class=\"rtp-review-news\"><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">13. October 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/new-product-mintos-launches-stock-trading\/\" onclick=\"event.stopPropagation()\">New Product: Mintos Launches Stock Trading<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Following bonds, crypto ETPs, ETFs, and real estate, Mintos now also offers stock investments. According to the platform, more than 4,000 stocks from US, European, and global markets are available, with fractional shares allowing investments from as little as \u20ac1. Recurring investment plans are also available on a weekly, monthly, or quarterly basis.<\/p>\n<p>There are no order, custody, or withdrawal fees. However, the fine print states that \u201cnormal market price differences\u201d still apply. This refers to the spread between the bid and ask prices. According to Mintos, limit orders are still in development. Until they become available, investors can only place market orders, leaving them with limited control over the execution price.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/www.mintos.com\/en\/investing-in-stocks\/\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">26. August 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/up-to-e500-mintos-launches-bonus-campaign-for-new-investors\/\" onclick=\"event.stopPropagation()\">Up To \u20ac500: Mintos Launches Bonus Campaign For New Investors<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Mintos has launched a new bonus campaign for new investors. From August 24 to September 30, investors can receive a bonus of up to \u20ac500 by using the code <strong>INVEST26<\/strong>, depending on the amount invested.<\/p>\n<p>The bonus tiers start at an investment of \u20ac1,500, which qualifies for a \u20ac25 bonus. This is followed by \u20ac35 (from \u20ac2,500), \u20ac75 (from \u20ac5,000), and \u20ac175 (from \u20ac10,000). The maximum bonus of \u20ac500 is only available for investments of \u20ac25,000 or more. Investments in loans, bonds, ETFs, real estate, and crypto ETPs are eligible, while Mintos Smart Cash is excluded.<\/p>\n<\/div><\/div><\/div><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">22. July 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/mintos-launches-individual-etf-investing\/\" onclick=\"event.stopPropagation()\">Mintos Launches Individual ETF Investing<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Investors can now buy individual ETFs on Mintos instead of being limited to the pre-built Core ETF portfolios. The platform now offers access to more than 1,000 UCITS ETFs from providers such as iShares, Vanguard, and VanEck, with a minimum investment of just EUR 1.<\/p>\n<p>According to Mintos, there are no trading or custody fees for ETF investments. Instead, investors only pay the ETF's ongoing costs, known as the Total Expense Ratio (TER). Mintos states that these fees average below 0.1%. Another important point: Just like the platform's other investment products, the ETF portfolio is covered by the investor compensation scheme of up to EUR 20,000.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/www.mintos.com\/en\/investing-in-etfs\/\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><\/div>\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<hr \/>\r\n<h2>Shareholder and Management<\/h2>\r\n<p>Who are the main shareholders and management executives behind Mintos? Let&#8217;s have a look!<\/p>\r\n<h3><strong>Mintos <\/strong><span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p>Who owns Mintos? The Latvia based P2P platform is operated by the company &#8220;AS Mintos Marketplace&#8221;. This company in turn belongs to the parent company &#8220;AS Mintos Holdings&#8221;. If we take a look in the Latvian company register, we will find a large number of different shareholders for this company.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Gesellschafter-Mintos-Review-Ownership.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-21995 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Gesellschafter-Mintos-Review-Ownership.png\" alt=\"Mintos-Review-Ownership\" width=\"1000\" height=\"334\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Gesellschafter-Mintos-Review-Ownership.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Gesellschafter-Mintos-Review-Ownership-300x100.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Gesellschafter-Mintos-Review-Ownership-768x257.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/334;\" \/><\/a><\/p>\r\n<p>The largest share, 30.52%, belongs to AS ALPPES Capital, which is 100% controlled by Aigars Kesenfelds. The Latvian multimillionaire, who was one of the four founders of 4finance in 2008, rarely appears in public. However, his reputation precedes him by far.<\/p>\r\n<p>The article &#8220;<a href=\"https:\/\/www.tvnet.lv\/7171506\/atrais-miljonars\" target=\"_blank\" rel=\"noopener\"><strong>The Fast Millionaire<\/strong><\/a>&#8221; portrays the rise and background of Aigars Kensenfelds&#8217; empire and also reveals his links to Mintos.<\/p>\r\n<h3><strong>Mintos Management<\/strong><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-CEO-Martins-Sulte.png\"><img decoding=\"async\" class=\"size-full wp-image-21998 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-CEO-Martins-Sulte.png\" alt=\"Mintos-Review-CEO-Martins-Sulte\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-CEO-Martins-Sulte.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-CEO-Martins-Sulte-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-CEO-Martins-Sulte-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><\/a><\/p>\r\n<p>Mintos is represented at the top of the management team by CEO and co-founder <a href=\"https:\/\/www.linkedin.com\/in\/martinssulte\/\" target=\"_blank\" rel=\"noopener\"><strong>Martins Sulte<\/strong><\/a>. The Latvian citizen worked as an investment banker at SEB for six years after studying economics at the University of Riga. After receiving his MBA in 2013, he then founded the Latvian P2P marketplace with Martins Valters, his former supervisor at Ernst &amp; Young and current COO at Mintos.<\/p>\r\n<p>In personal meetings with Martins from 2019 to 2024, he always made a tidy and competent impression. He was also frequently available to answer questions outside of official interviews.<\/p>\r\n<hr \/>\r\n<h2>Sign Up and Bonus<\/h2>\r\n<p>In order to invest on Mintos, investors must meet two important requirements: A minimum age of 18 years and proof of a European bank account in their own name.<\/p>\r\n<p>The registration process on Mintos is very simple and intuitive. After opening an account via email, the KYC and AML questionnaires must be filled out. This is followed by the verification of identity and the declaration of tax residence.<\/p>\r\n<h3>Mintos Bonus<\/h3>\r\n<p data-start=\"0\" data-end=\"304\">\r\n<p data-start=\"214\" data-end=\"300\">A cross-platform overview with all bonus offers and cashback promotions can be found by investors on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><strong>Investing on Mintos<\/strong><\/h2>\r\n<p>How does Mintos work and what should investors know and consider when investing on the marketplace? In the following sections of my Mintos review you will find all the necessary information that you need.<\/p>\r\n<h3><strong>Loan Offering<\/strong><\/h3>\r\n<p>The 80+ lenders represented on Mintos offer a variety of different loan types. These include:<\/p>\r\n<ul>\r\n<li><strong>Private:<\/strong> Consumer Loans, payday loans, car loans<\/li>\r\n<li><strong>Corporate:<\/strong> Business loans, agricultural and factoring loans<\/li>\r\n<li><strong>Real Estate:<\/strong> Mortgage loans.\u00a0\u00a0<\/li>\r\n<\/ul>\r\n<p>From an investor&#8217;s perspective, the large number of loan types is a big advantage in terms of diversifying the loan portfolio on Mintos.<\/p>\r\n<p>Investors can achieve further diversification with the geographical selection of their P2P loans, as up to 33 different countries can be selected for investments. The geographical focus is on Europe, with a focus on the Baltic States, the Balkans and Eastern Europe. However, it is also possible to invest in Africa (South Africa, Zambia, Namibia, Botswana, Kenya), South America (Colombia, Mexico) or South East Asia (Philippines, Vietnam, Indonesia).<\/p>\r\n<p>The terms of the loans depend on the lending company and the structure of the individual bonds (notes).<\/p>\r\n<h3>Fractional Bonds<\/h3>\r\n<p>Due to its licensing as a brokerage company, Mintos can make further asset classes accessible to its investor community, apart from the lending business. Since October 2023, this also includes the possibility to invest in bonds.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Mintos-Review-Fractional-Bonds.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-18025 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Mintos-Review-Fractional-Bonds.png\" alt=\"Mintos-Review-Fractional-Bonds\" width=\"1000\" height=\"248\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Mintos-Review-Fractional-Bonds.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Mintos-Review-Fractional-Bonds-300x74.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Mintos-Review-Fractional-Bonds-768x190.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/248;\" \/><\/a><\/p>\r\n<p>Interesting here is both the low minimum investment amount of only EUR 50 and the fact that there are no management fees. The first offer on Mintos comes from Eleving Group (formerly Mogo). The bond of EUR 3 million runs for 5 years and offers investors an interest rate of 13%.<\/p>\r\n<h3>High-Yield Bonds Portfolio<\/h3>\r\n<p>In November 2025, Mintos launched the automated \u201cHigh-Yield Bonds Portfolio,\u201d an expansion of its existing bond offerings. The idea is fairly simple: instead of selecting individual bonds, Mintos creates a broad portfolio with at least 20 different high-yield bonds from various industries.<\/p>\r\n<p>Advantages for investors: broader diversification, more predictable and regular income, and a daily cash-out feature (liquidity depending on market conditions). The minimum investment amount is set at EUR 50.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Anleihen-Portfolio-Mintos-Review-High-Yield-Bonds-Portfolios.jpg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-30068 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Anleihen-Portfolio-Mintos-Review-High-Yield-Bonds-Portfolios.jpg\" alt=\"Mintos-Review-High-Yield-Bonds-Portfolio\" width=\"951\" height=\"334\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Anleihen-Portfolio-Mintos-Review-High-Yield-Bonds-Portfolios.jpg 951w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Anleihen-Portfolio-Mintos-Review-High-Yield-Bonds-Portfolios-300x105.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Anleihen-Portfolio-Mintos-Review-High-Yield-Bonds-Portfolios-768x270.jpg 768w\" data-sizes=\"(max-width: 951px) 100vw, 951px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 951px; --smush-placeholder-aspect-ratio: 951\/334;\" \/><\/a><\/p>\r\n<p>Until the end of 2025, the bond portfolios will be free of charge. Starting in 2026, an annual management fee of 0.39% will apply.<\/p>\r\n<p>The introduction of the \u201cHigh-Yield Bonds Portfolio\u201d strongly resembles Mintos\u2019 launch of Invest &amp; Access in 2019, which aimed to offer an alternative to Bondora Go &amp; Grow. At least the three underlying goals are nearly identical: increase revenue, integrate less popular offerings, and provide seemingly more liquidity for investors.<\/p>\r\n<h3>Mintos Core ETF Portfolio<\/h3>\r\n<p>With the Mintos Core ETF portfolio, the P2P marketplace added another asset class in December 2023. The platform takes care of all portfolio management aspects, including market analysis, selecting ETFs and scheduling transactions. Based on a catalogue of questions, the company puts together an ETF portfolio that is designed to meet the investor&#8217;s risk tolerance and investment objectives.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Core-ETF-Portfolio.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-18996 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Core-ETF-Portfolio.png\" alt=\"Mintos-Review-Core-ETF-Portfolio\" width=\"1000\" height=\"152\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Core-ETF-Portfolio.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Core-ETF-Portfolio-300x46.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Core-ETF-Portfolio-768x117.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/152;\" \/><\/a><\/p>\r\n<p>Investments in the Mintos Core ETF can be made from as little as EUR 50. Mintos does currently not charge any fees for this service.<\/p>\r\n<h3>Mintos Smart Cash<\/h3>\r\n<p>In June 2024, the P2P marketplace launched <a href=\"https:\/\/bit.ly\/rethink-p2p-goes-mintos-smart-cash\" target=\"_blank\" rel=\"noopener\"><strong>Mintos Smart Cash<\/strong><\/a>. Here, investors can invest their cash reserves flexibly and achieve a return of up to 2.0%. The return is generated by a money market fund which is managed by BlackRock.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025.jpg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-30009 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025.jpg\" alt=\"\" width=\"1200\" height=\"166\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025.jpg 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025-300x42.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025-1024x142.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/11\/Mintos-Erfahrungen-Smart-Cash-Mintos-Review-Smart-Cash-Mintos-Opiniones-Smart-Cash-2025-Mintos-Avis-Smart-Cash-2025-768x106.jpg 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/166;\" \/><\/a><\/p>\r\n<p>Mintos has been working with BlackRock since its IBF licensing and manages non-invested funds from its investor accounts there. This enabled Mintos to generate a revenue of EUR 1.2 million in 2023 (10.7% of total revenue). Further details of Mintos Smart Cash have been discussed with CEO Martins Sulte during my stay in Riga.<\/p>\r\n<p><iframe title=\"Mintos Smart Cash: Instant Liquidity &amp; Up To 3.75% Return?\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/30S5rwnsDrA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe><\/p>\r\n<h3><strong>Crypto Investments on Mintos<\/strong><\/h3>\r\n<p>Since March 2026, investors on Mintos can also invest in cryptocurrencies. This is done via regulated crypto-ETPs, meaning no wallets, private keys, or external exchanges are required. Mintos therefore provides a simple and regulated way to access traditional crypto investments.<\/p>\r\n<p>At the launch, seven cryptocurrencies are available (Bitcoin, Ethereum, Ripple, Solana, TRON, Avalanche, and Litecoin), which can be traded via well-known product providers such as BlackRock iShares and VanEck.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Mintos-Erfahrungen-Krypto-Mintos-Review-Crypto-Mintos-Opiniones-Bitcoin-Mintos-Avis-2026.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-31817 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Mintos-Erfahrungen-Krypto-Mintos-Review-Crypto-Mintos-Opiniones-Bitcoin-Mintos-Avis-2026.png\" alt=\"Mintos-Review-Crypto\" width=\"1000\" height=\"406\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Mintos-Erfahrungen-Krypto-Mintos-Review-Crypto-Mintos-Opiniones-Bitcoin-Mintos-Avis-2026.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Mintos-Erfahrungen-Krypto-Mintos-Review-Crypto-Mintos-Opiniones-Bitcoin-Mintos-Avis-2026-300x122.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/03\/Mintos-Erfahrungen-Krypto-Mintos-Review-Crypto-Mintos-Opiniones-Bitcoin-Mintos-Avis-2026-768x312.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/406;\" \/><\/a><\/p>\r\n<p>The crypto-ETPs (Exchange Traded Products) are traded on regulated European markets and are physically backed. This means the underlying cryptocurrencies are actually held, reducing risk compared to synthetic products.<\/p>\r\n<p>Crypto trading on Mintos is possible from as little as EUR 5, with transaction fees of 0.49% (or a minimum of EUR 0.99). Trading remains free of charge until the end of April 2026.<\/p>\r\n<h3>Mintos Stocks<\/h3>\r\n<p dir=\"ltr\">In October 2026, Mintos expanded its offering to include stock trading. According to the platform, more than 4,000 securities from US, European and global exchanges are available. Investments are possible from \u20ac1, made possible by trading in fractional shares, which investors already know from the ETFs and the Fractional Bonds. On top of that, savings plans can be set up on a weekly, monthly or quarterly basis.<\/p>\r\n<p dir=\"ltr\">Mintos states that no order, custody or withdrawal fees apply. The small print, however, notes that \u201cordinary market price differences\u201d remain in place. What is meant by this is the spread between the buying and the selling price. The costs therefore do not disappear, they simply become less visible.<\/p>\r\n<p dir=\"ltr\">There is also a functional limitation: according to Mintos, limit orders are still under development. Until then, only market orders are available, which leaves investors with little control over the execution price. With liquid blue chips this hardly matters, with smaller securities or in volatile market phases it certainly does.<\/p>\r\n<h3><strong>Costs and Fees<\/strong><\/h3>\r\n<p>Investors can register on Mintos free of charge. There are also no costs or hidden fees for deposits and withdrawals. However, there are some cost factors on Mintos to consider.<\/p>\r\n<ul>\r\n<li>Inactivity fee: EUR 4.90 per month<\/li>\r\n<li>Deposits via card, Apple Pay, or Google Pay: 2%<\/li>\r\n<li>Transaction fee for sales via secondary market: 0.85%<\/li>\r\n<li>Currency exchange: from 0.5%<\/li>\r\n<li>Management Fee Mintos Core Loans: 0,39%<\/li>\r\n<li>Management Fee Mintos Custom Loans: 0,29%<\/li>\r\n<li>Access Mintos Smart Cash: 0.19%<\/li>\r\n<\/ul>\r\n<h3><strong>Expected Returns<\/strong><\/h3>\r\n<p>According to Mintos, the net return on the platform is between 10% and 12%. The calculation is made including<span class=\"m-u-fs-5 m-u-color-1-75--text\" data-v-6723cef0=\"\"> an annual loss ratio. For this reason, the return on investment in 2020 is only at 2.4%.<\/span><\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Net-Return.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-18994 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Net-Return.png\" alt=\"Mintos-Review-Net-Return\" width=\"1000\" height=\"376\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Net-Return.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Net-Return-300x113.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Mintos-Review-Net-Return-768x289.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/376;\" \/><\/a><\/p>\r\n<blockquote>\r\n<p><em><span class=\"m-u-fs-5 m-u-color-1-75--text\" data-v-6723cef0=\"\">Write-downs were taken on loans issued by suspended credit entities based on our recovery estimates.<\/span><\/em><\/p>\r\n<\/blockquote>\r\n<div class=\"m-u-d-none m-u-d--md-block m-u-margin-top-6 m-u-margin-bottom-5\" data-v-65c97274=\"\" data-v-6723cef0=\"\">\r\n<div class=\"chart-container\" data-testid=\"cas-chart\" data-v-65c97274=\"\">\r\n<div>\r\n<div dir=\"ltr\">\r\n<div aria-label=\"Diagramma.\"><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">In case further losses from outstanding recoveries are written off in the future, the net return would be adjusted downward accordingly.\u00a0<\/span><\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<p>Afer being five years with Mintos, my personal return is at 10.79%. However, there are still more than EUR 1,000 in the recovery process, which I declared as a loss since no recoveries have been made for two straight years. As a result, my total return has dropped to 7.22%.<\/p>\r\n<h3><strong>Auto Invest<\/strong><\/h3>\r\n<p>Mintos offers an Auto Invest feature (Mintos Custom Loans), which allows users to set individual criteria for loan selection in advance. This means that loan repayments are automatically reinvested, eliminating the need for manual handling. With Mintos Auto Invest, the following settings, among others, can be configured:<\/p>\r\n<ul>\r\n<li>Selection of lenders and borrower countries<\/li>\r\n<li>Loan type (Personal, Corporate, Real Estate)<\/li>\r\n<li>Buyback obligation (Yes, No)<\/li>\r\n<li>Interest rate: From 5% to 30+% percent<\/li>\r\n<li>Loan term: Up to 72 months<\/li>\r\n<li>Investment amount per loan<\/li>\r\n<\/ul>\r\n<p>The minimum investment amount on Mintos is EUR 10. Since May 16, 2025, an annual fee of 0.29% is charged for using the &#8220;Custom Loan Portfolios.&#8221; This fee applies to both the primary and the secondary market.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Mintos-Erfahrungen-Gebuhren-Custom-Loans-Portfolio-Mintos-Review-Auto-Invest-Fees.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-27701 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Mintos-Erfahrungen-Gebuhren-Custom-Loans-Portfolio-Mintos-Review-Auto-Invest-Fees.png\" alt=\"Mintos-Review-Custom-Loans-Fees\" width=\"800\" height=\"301\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Mintos-Erfahrungen-Gebuhren-Custom-Loans-Portfolio-Mintos-Review-Auto-Invest-Fees.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Mintos-Erfahrungen-Gebuhren-Custom-Loans-Portfolio-Mintos-Review-Auto-Invest-Fees-300x113.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/05\/Mintos-Erfahrungen-Gebuhren-Custom-Loans-Portfolio-Mintos-Review-Auto-Invest-Fees-768x289.png 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/301;\" \/><\/a><\/p>\r\n<h3><strong>Mintos App<\/strong><\/h3>\r\n<p>Mintos launched a smartphone app for its investors in February 2020. Check here for iOS (<a href=\"https:\/\/apps.apple.com\/de\/app\/mintos\/id1490400894\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>App Store<\/strong><\/a>) and Android (<strong><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.finance.investing.mintos&amp;hl=de&amp;gl=US\" target=\"_blank\" rel=\"noopener noreferrer\">Play Store<\/a><\/strong>) to download the app.<\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>M<\/strong><strong>intos Taxes<\/strong><\/span><\/h2>\r\n<p>After Mintos has become a licensed brokerage company, the platform is now legally obligated to withhold taxes on your income earnings that derives from investments into regulated financial instruments (Notes). The tax will be automatically withhold after receiving an interest payment.<\/p>\r\n<p>The applicable tax rate is depending on the country of your tax residency and according to the submitted tax information and certificates.\u00a0<i style=\"font-size: inherit; color: var(--medium-text-color); font-family: var(--text-font);\"><\/i><\/p>\r\n<ul>\r\n<li>20% for private investors and tax residents of Latvia<\/li>\r\n<li>20% for investors from outside the EU\/EEA<\/li>\r\n<li>5% for private investors with residency in the EU\/EEA (except for Latvia)<\/li>\r\n<li>0% for Lithuanian tax residents (tax certificate is required)<\/li>\r\n<li>0% for legal entities\u00a0<\/li>\r\n<\/ul>\r\n<div>When paying taxes in your county of residence, the withheld taxes can usually be deducted from the overall balance. This means that the effective taxation rate will be the same as it has been before when investing into claim rights. To get access to the relevant data, Mintos offers to download tax reports and income statements from the platform.<\/div>\r\n<hr \/>\r\n<h2>Mintos Risks<\/h2>\r\n<p>Mintos faced several crises and problems in the past. While the origins of these crises are not related to Mintos (Covid-19 pandemic, war in Ukraine), they have clearly exposed the problems at Mintos. Especially in 2020, there have been numerous actions and entanglements that have not painted a good picture with regards to the integrity of the platform.\u00a0<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>Mintos, operated by AS Mintos Marketplace, was founded in January 2015 and is one of the most experienced P2P platforms in Europe. In its home market, the platform is supervised and monitored by the Latvian Central Bank (Latvijas Banka).<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 11 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">6.2<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Medium Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:80%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">16 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--r\" style=\"width:12%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">3 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:52%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">13 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--ok\">0<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <p class=\"ss-rf-none\">No Red Flags present.<\/p>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<h4>Regulation and Licence<\/h4>\r\n<p>Since August 2021, AS Mintos Marketplace has held an Investment Firm Licence issued by the Latvian Central Bank. Through its regulatory status, the platform is subject to the requirements of the Markets in Financial Instruments Directive (MiFID II).<\/p>\r\n<p>As a result, investor accounts are protected by up to EUR 20,000 (90% of net loss) through the Latvian investor compensation scheme, in the event of platform insolvency or misappropriation of investor funds. Potential loan defaults by loan originators are not covered by this scheme.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Regulierung-Mintos-Review-Regulation.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-22116 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Regulierung-Mintos-Review-Regulation.png\" alt=\"Mintos-Review-Regulation\" width=\"1000\" height=\"326\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Regulierung-Mintos-Review-Regulation.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Regulierung-Mintos-Review-Regulation-300x98.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Regulierung-Mintos-Review-Regulation-768x250.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/326;\" \/><\/a><\/p>\r\n<p>Through its regulatory status, Mintos is also required to meet a high standard of compliance and transparency, including the regular <strong><a href=\"https:\/\/www.mintos.com\/en\/about\/investor-relations\/\">publication of financial statements<\/a><\/strong> audited by KPMG Baltics, which provide insight into the platform&#8217;s financial stability.<\/p>\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>Under MiFID II regulation, Mintos is required to keep investor funds and financial instruments separate from the platform&#8217;s own assets. In the event of insolvency, these funds are protected from enforcement proceedings and cannot be used to settle claims against third parties.<\/p>\r\n<p>Unlike traditional bank deposits, there is no entitlement to compensation through a deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested.<\/p>\r\n<h4>Mintos in Crisis Situations<\/h4>\r\n<p>In the past, Mintos had to navigate several crisis situations, including the COVID-19 pandemic and the war in Ukraine.<\/p>\r\n<p><strong>COVID-19 Pandemic:<\/strong> Mintos responded early to the crisis with a series of measures, including a cost reduction of approximately 40%, the dismissal of 45 employees and a significant cut to marketing budgets. Two measures in particular proved controversial.<\/p>\r\n<p>The schedule extension, originally introduced in October 2019, was expanded in March 2020 to 6 intervals of 31 days each. It was also made possible to further postpone loans already in default. In doing so, Mintos not only acted against its own terms of use but also prioritised the interests of loan originators over those of investors.\u00a0<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Zeitplanverlangerung-Mintos-Review-Schedule-Extension.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-22110 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Zeitplanverlangerung-Mintos-Review-Schedule-Extension.png\" alt=\"Mintos-Review-Schedule-Extension\" width=\"900\" height=\"278\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Zeitplanverlangerung-Mintos-Review-Schedule-Extension.png 900w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Zeitplanverlangerung-Mintos-Review-Schedule-Extension-300x93.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Zeitplanverlangerung-Mintos-Review-Schedule-Extension-768x237.png 768w\" data-sizes=\"(max-width: 900px) 100vw, 900px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 900px; --smush-placeholder-aspect-ratio: 900\/278;\" \/><\/a><\/p>\r\n<p>Equally controversial was the introduction of new terms and conditions in August 2020, which included a provision requiring investors to share in legal costs in the event of loan originator defaults. This shift of liability from Mintos to the investor was met with significant criticism from the investor community.<\/p>\r\n<p><strong>War in Ukraine:<\/strong> Following the outbreak of the war in Ukraine in February 2022, Mintos suspended all new investments in Russian and Ukrainian loans. A total of eight loan originators were affected. These were immediately removed from Mintos strategies and both Russian and Ukrainian loans could only be traded via the secondary market going forward.<\/p>\r\n<hr \/>\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Mintos able to operate profitably? And what conclusions can be drawn from the balance sheet?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">\n\t\t\t\t\t\t<a class=\"rtp-link\" href=\"https:\/\/assets.mintos.com\/C89DF435-17D9-B948-991F-B13A82348D3D.pdf?_gl=1*vljqb5*_gcl_au*MTIwMzM4Mzc1Ny4xNzc2MTkzMTcw*_ga*MjA0MDEyODQ0MS4xNTgxNTc4MDEy*_ga_05GWN1FMW6*czE3NzYyMzU5MzAkbzE3MSRnMCR0MTc3NjIzNTkzMSRqNTkkbDAkaDc0MTcwOTc2NQ..*_fplc*OEJUT29SekZUbE1vbWZWYjM3R2NpUDl3MW9tZmFCUkRNY0FTUkFvbiUyQm5MMnpXcXNDZCUyRnJQQXBjSTZkS3dZZldXc0Y4bWNOYUJvMmRXSHdNYSUyQmVET0FjcW9LVE5hM012YXU1QnZhb3A1RHczWHpjJTNE\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tAS Mintos Marketplace \u2013 Annual Report 2025\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-green\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: KPMG Baltics<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Established and independent audit firm (Top 10 worldwide).<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-green\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: IFRS<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Internationally recognised standard. Transparent and comparable.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<p>The following figures are based on the Mintos annual report for 2025. The report was prepared by KPMG Baltics and audited in accordance with IFRS standards. The figures therefore carry a certain degree of credibility.<\/p>\r\n<h4><strong>Profitability<\/strong><\/h4>\r\n<p>Mintos has recorded a loss of around EUR 2 million in each of the past two financial years.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-32893 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026.png\" alt=\"Mintos-Review-Profitability\" width=\"1200\" height=\"553\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026-300x138.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026-1024x472.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Profitabilitat-Mintos-Review-Profitability-Mintos-Opiniones-Rentabilidad-Mintos-Avis-Rentabilite-2026-768x354.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/553;\" \/><\/a><\/p>\r\n<p>Although revenue increased by 17% to EUR 14.1 million, operating expenses also continued to rise. In particular, there were significant increases in employee costs (EUR 6.5 million; previous year: EUR 5.1 million) and investments in new IT systems (EUR 3.8 million; previous year: EUR 2.8 million).<\/p>\r\n<h4>Balance Sheet<\/h4>\r\n<p>The strong growth pace of Mintos is clearly reflected in its balance sheet figures. While the company is already able to generate positive operating cash flow (EUR 1.38 million), net cash flows from investing activities are still significantly higher (EUR 3.72 million).<\/p>\r\n<p>To offset ongoing losses, Mintos carried out a capital increase in the first half of 2026, injecting an additional EUR 2.2 million into the company. The funds came from a funding round in which private investors contributed EUR 2.8 million.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-32897 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026.png\" alt=\"Mintos-Review-Balance-Sheet\" width=\"1200\" height=\"458\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026-300x115.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026-1024x391.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/04\/Mintos-Erfahrungen-Bilanz-Mintos-Review-Balance-Sheet-Mintos-Opiniones-Balance-General-Mintos-Avis-Bilan-2026-768x293.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/458;\" \/><\/a><\/p>\r\n<p>The equity ratio decreased to 36.3%, but remains at an acceptable level. In addition, both the liquidity ratio (1.37) and the debt ratio (1.75) have worsened. For a growth-oriented company, the balance sheet is not alarming, but also not comfortable. As long as growth continues and fresh capital flows in, there should be no issues.<\/p>\r\n<hr \/>\r\n<h3><strong>Lender Risk<\/strong><\/h3>\r\n<p>At the shareholder level, Mintos has always had significant overlaps with many of its lending companies. This creates the issue that measures taken often serve the interests of shareholders first and investors only second.<\/p>\r\n<p>Particularly in the period before obtaining the IBF license, there were several instances where apparent conflicts of interest resulted in disadvantages for investors.<\/p>\r\n<h4><strong>Finko Group<\/strong><\/h4>\r\n<p>With an outstanding portfolio of around EUR 100 million, the Finko Group was the largest non-bank lender on Mintos at the beginning of 2020. The year before, the group \u2014 which was represented on Mintos through seven lending companies \u2014 had financed EUR 366 million in consumer loans and generated a profit of EUR 17.6 million.<\/p>\r\n<p><iframe title=\"Mintos \u274c Zerfall der Finko Gruppe \u274c Varks Verstrickungen \u274c \u25ba Interview \u25c4\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/T40_HhxQSkI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe><\/p>\r\n<p>One year later, little more than an empty shell was left of the group. Some lenders had their licenses revoked under dubious circumstances (such as Varks in Armenia), others filed for bankruptcy (Metrokredit and Kiva in Russia), and some were sold off for a fraction of their value to competitors with the same shareholders (such as Sebo in Moldova). As a result, no funds remained to honour the previously promoted buyback guarantees.<\/p>\r\n<h4><strong>Varks<\/strong><\/h4>\r\n<p>With an outstanding portfolio of EUR 30 million on Mintos, the Armenian lender Varks was the largest lender within the Finko Group at the time its license was revoked in March 2020. Although there were already obvious issues with the lender from the Armenian central bank at that time, Varks was still promoted by Mintos through a variety of measures, including forward flows and cashback campaigns.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Varks-Mintos-Review-Varks.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-22107 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Varks-Mintos-Review-Varks.png\" alt=\"Mintos-Review-Varks\" width=\"896\" height=\"267\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Varks-Mintos-Review-Varks.png 896w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Varks-Mintos-Review-Varks-300x89.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-Varks-Mintos-Review-Varks-768x229.png 768w\" data-sizes=\"(max-width: 896px) 100vw, 896px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 896px; --smush-placeholder-aspect-ratio: 896\/267;\" \/><\/a><\/p>\r\n<p>In the case of Varks, Mintos was well aware of the lender&#8217;s financial situation and problems with the central bank. Yet, no measures were taken or initiated to protect investors funds. In the end, it was publicly communicated that a two-year repayment plan was in place, serving the outstanding obgligations by the end of 2022. In June 2024, around EUR 10 million in investor funds had still not been repaid. Mintos now forecasts a loss of 50% to 25%.<\/p>\r\n<hr \/>\r\n<h3>Lender Analysis<\/h3>\r\n<p>Due to the COVID-19 pandemic and the war in Ukraine, Mintos experienced numerous problems with lenders, many of whom were subsequently unable to meet their outstanding obligations to investors. At times, up to EUR 150 million of investor funds were in recovery, affecting around 30% of Mintos\u2019 total loan portfolio.<\/p>\r\n<p>For a successful investment on Mintos, it is therefore essential that investors independently examine the risk profile of each lender.\u00a0To assess the financial stability, the following table provides an overview of the current financial figures.<\/p>\r\n<figure class=\"wp-block-table is-style-regular has-small-font-size kg-wrap\"><table class=\"kg-table\"><thead><tr><th class=\"kg-sort\" data-col=\"0\"><strong>Lender<\/strong><\/th><th class=\"kg-sort\" data-col=\"1\"><strong>Year<\/strong><\/th><th class=\"kg-sort\" data-col=\"2\"><strong>Audited<\/strong><\/th><th class=\"kg-sort\" data-col=\"3\"><strong>Profit<\/strong><\/th><th class=\"kg-sort\" data-col=\"4\"><strong>ROA<\/strong><\/th><th class=\"kg-sort\" data-col=\"5\"><strong>Equity<\/strong><\/th><th class=\"kg-sort\" data-col=\"6\"><strong>Liquidity<\/strong><\/th><th class=\"kg-sort\" data-col=\"7\"><strong>Losses<\/strong><\/th><th class=\"kg-sort kg-desc\" data-col=\"8\"><strong>Score<\/strong><\/th><\/tr><\/thead><tbody><tr><td data-sort=\"esto ee\">ESTO (EE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/EF1C1716-31FA-1085-1326-596D55BE17A6.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"kpmg\">KPMG<\/td><td class=\"stark\" data-sort=\"14426000\">EUR 14.4M<\/td><td class=\"stark\" data-sort=\"18.8\">18.8%<\/td><td class=\"stark\" data-sort=\"46.4\">46.4%<\/td><td class=\"stark\" data-sort=\"3.33\">3.33<\/td><td class=\"stabil\" data-sort=\"9.6\">9.6%<\/td><td class=\"stark\" data-sort=\"95\">95<\/td><\/tr><tr><td data-sort=\"eleving group lu\">Eleving Group (LU)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/core.eleving.com\/storage\/P3ZX1EubsjG3PFCn\/2.%20Integrated%20Annual%20Report%202025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"29180953\">EUR 29.2M<\/td><td class=\"stark\" data-sort=\"5.5\">5.5%<\/td><td class=\"mittel\" data-sort=\"18.3\">18.3%<\/td><td class=\"stark\" data-sort=\"3.42\">3.42<\/td><td class=\"mittel\" data-sort=\"21.8\">21.8%<\/td><td class=\"stabil\" data-sort=\"80\">80<\/td><\/tr><tr><td data-sort=\"hipocredit lt\">Hipocredit (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/4DC8AAF4-0E0B-0F72-CD4D-74CE3E976C6B.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"nexia\">Nexia<\/td><td class=\"stark\" data-sort=\"1117300\">EUR 1.1M<\/td><td class=\"stabil\" data-sort=\"4.2\">4.2%<\/td><td class=\"mittel\" data-sort=\"15.8\">15.8%<\/td><td class=\"stark\" data-sort=\"14.52\">14.52<\/td><td class=\"stark\" data-sort=\"0\">0.0%<\/td><td class=\"stabil\" data-sort=\"80\">80<\/td><\/tr><tr><td data-sort=\"gocredit mx\">Gocredit (MX)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/2FB07CF8-5A41-F73C-64B5-7E14E9C0D3A5.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stark\" data-sort=\"4422401\">EUR 4.4M<\/td><td class=\"stark\" data-sort=\"10.1\">10.1%<\/td><td class=\"stark\" data-sort=\"44.2\">44.2%<\/td><td class=\"stark\" data-sort=\"7.35\">7.35<\/td><td class=\"stabil\" data-sort=\"13.8\">13.8%<\/td><td class=\"stabil\" data-sort=\"79\">79<\/td><\/tr><tr><td data-sort=\"eleving am\">Eleving (AM)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/85F3901F-9567-BF3C-BBBF-9C11BBCCF2EE.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"2735835\">EUR 2.7M<\/td><td class=\"stark\" data-sort=\"13.3\">13.3%<\/td><td class=\"stark\" data-sort=\"59.2\">59.2%<\/td><td class=\"stabil\" data-sort=\"1.51\">1.51<\/td><td class=\"kritisch\" data-sort=\"30.3\">30.3%*<\/td><td class=\"stabil\" data-sort=\"78\">78<\/td><\/tr><tr><td data-sort=\"financiera mexi mx\">Financiera Mexi (MX)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/assets.mintos.com\/A26249B5-8AE2-3074-C3B6-00DC2CD2E13B.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"1758280\">EUR 1.8M<\/td><td class=\"mittel\" data-sort=\"3\">3.0%<\/td><td class=\"stabil\" data-sort=\"35\">35.0%<\/td><td class=\"stark\" data-sort=\"2.66\">2.66<\/td><td class=\"stabil\" data-sort=\"11\">11.0%<\/td><td class=\"stabil\" data-sort=\"78\">78<\/td><\/tr><tr><td data-sort=\"placet group ee\">Placet Group (EE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/placetgroup.com\/files\/en\/2025\/placet-finance-FY2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"kpmg\">KPMG<\/td><td class=\"stark\" data-sort=\"5567887\">EUR 5.6M<\/td><td class=\"stark\" data-sort=\"6.3\">6.3%<\/td><td class=\"stabil\" data-sort=\"38.4\">38.4%<\/td><td class=\"stark\" data-sort=\"4.76\">4.76<\/td><td class=\"mittel\" data-sort=\"20.3\">20.3%<\/td><td class=\"stabil\" data-sort=\"77\">77<\/td><\/tr><tr><td data-sort=\"iutecredit mk\">IuteCredit (MK)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/EE3A5384-30B3-7387-76D0-1AFE6D7E1CCB.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"moore stephens\">Moore Stephens<\/td><td class=\"stark\" data-sort=\"3686569\">EUR 3.7M<\/td><td class=\"stark\" data-sort=\"7.4\">7.4%<\/td><td class=\"mittel\" data-sort=\"15.2\">15.2%<\/td><td class=\"stark\" data-sort=\"4.31\">4.31<\/td><td class=\"mittel\" data-sort=\"22.9\">22.9%<\/td><td class=\"stabil\" data-sort=\"76\">76<\/td><\/tr><tr><td data-sort=\"sun finance group lv\">Sun Finance Group (LV)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/nasdaqbaltic.com\/market\/upload\/reports\/sun\/2025_ar_en_con.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"58272000\">EUR 58.3M<\/td><td class=\"stark\" data-sort=\"20.7\">20.7%<\/td><td class=\"stabil\" data-sort=\"33\">33.0%<\/td><td class=\"stark\" data-sort=\"3.54\">3.54<\/td><td class=\"kritisch\" data-sort=\"40\">40.0%<\/td><td class=\"stabil\" data-sort=\"75\">75<\/td><\/tr><tr><td data-sort=\"finclusion ke\">Finclusion (KE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/9E778A95-BC39-F483-D38D-4FCB2029FBD9.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"pwc\">PwC<\/td><td class=\"stark\" data-sort=\"31274\">EUR 31K<\/td><td class=\"risiko\" data-sort=\"0.3\">0.3%<\/td><td class=\"stabil\" data-sort=\"29.2\">29.2%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"13.9\">13.9%<\/td><td class=\"stabil\" data-sort=\"74\">74<\/td><\/tr><tr><td data-sort=\"eleving bw\">Eleving (BW)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/7EDFBF78-65D7-A858-18CB-AEECDC4DC56B.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"1314075\">EUR 1.3M<\/td><td class=\"stabil\" data-sort=\"4.6\">4.6%<\/td><td class=\"mittel\" data-sort=\"22.4\">22.4%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"14.9\">14.9%<\/td><td class=\"stabil\" data-sort=\"73\">73<\/td><\/tr><tr><td data-sort=\"eleving ge\">Eleving (GE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/97F5EB93-799B-A2A3-2A62-FE8D41255CE3.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"1657536\">EUR 1.7M<\/td><td class=\"stark\" data-sort=\"5.6\">5.6%<\/td><td class=\"stark\" data-sort=\"74.9\">74.9%<\/td><td class=\"stark\" data-sort=\"2.22\">2.22<\/td><td class=\"mittel\" data-sort=\"19.5\">19.5%<\/td><td class=\"stabil\" data-sort=\"72\">72<\/td><\/tr><tr><td data-sort=\"credifiel mx\">Credifiel (MX)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/399826FE-1922-E9ED-5267-F9DF2E7AE664.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"rsm\">RSM<\/td><td class=\"stark\" data-sort=\"4812210\">EUR 4.8M<\/td><td class=\"stabil\" data-sort=\"3.4\">3.4%<\/td><td class=\"stabil\" data-sort=\"35.7\">35.7%<\/td><td class=\"mittel\" data-sort=\"1.48\">1.48<\/td><td class=\"mittel\" data-sort=\"15.8\">15.8%<\/td><td class=\"stabil\" data-sort=\"71\">71<\/td><\/tr><tr><td data-sort=\"iutecredit al\">IuteCredit (AL)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/1B35FD83-7863-4BD4-97E1-2770AE109A24.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"rsm\">RSM<\/td><td class=\"stark\" data-sort=\"4360374\">EUR 4.4M<\/td><td class=\"stabil\" data-sort=\"4.5\">4.5%<\/td><td class=\"mittel\" data-sort=\"24.4\">24.4%<\/td><td class=\"stabil\" data-sort=\"1.76\">1.76<\/td><td class=\"risiko\" data-sort=\"30.8\">30.8%<\/td><td class=\"stabil\" data-sort=\"71\">71<\/td><\/tr><tr><td data-sort=\"mozipo group lt\">Mozipo Group (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/825F1863-7FBE-28CF-E136-FE7369B80F1F.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"grant thornton\">Grant Thornton<\/td><td class=\"stark\" data-sort=\"359000\">EUR 359K<\/td><td class=\"mittel\" data-sort=\"2\">2.0%<\/td><td class=\"stabil\" data-sort=\"29.6\">29.6%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"20.4\">20.4%*<\/td><td class=\"stabil\" data-sort=\"71\">71<\/td><\/tr><tr><td data-sort=\"eleving \/ mogo md\">Eleving \/ Mogo (MD)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/core.eleving.com\/storage\/O3GBnB59y8KH1pPJ\/Mogo%20Loans%20SRL%20financial%20statements%202024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"1294209\">EUR 1.3M<\/td><td class=\"stark\" data-sort=\"6.9\">6.9%<\/td><td class=\"risiko\" data-sort=\"12.3\">12.3%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"14.4\">14.4%<\/td><td class=\"stabil\" data-sort=\"70\">70<\/td><\/tr><tr><td data-sort=\"eleving \/ sebo md\">Eleving \/ Sebo (MD)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/33CF3969-D29A-4F42-F39D-73FD0DC4EF10.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"2551577\">EUR 2.6M<\/td><td class=\"stark\" data-sort=\"8.7\">8.7%<\/td><td class=\"stabil\" data-sort=\"31.2\">31.2%<\/td><td class=\"\"><\/td><td class=\"risiko\" data-sort=\"31\">31.0%<\/td><td class=\"stabil\" data-sort=\"70\">70<\/td><\/tr><tr><td data-sort=\"id finance es\">ID Finance (ES)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/689741B5-C55F-4BDF-AEA5-F40D4E92E775.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"ey\">EY<\/td><td class=\"stark\" data-sort=\"20372000\">EUR 20.4M<\/td><td class=\"stark\" data-sort=\"15.4\">15.4%<\/td><td class=\"mittel\" data-sort=\"23.5\">23.5%<\/td><td class=\"stark\" data-sort=\"2.23\">2.23<\/td><td class=\"kritisch\" data-sort=\"59.6\">59.6%<\/td><td class=\"stabil\" data-sort=\"70\">70<\/td><\/tr><tr><td data-sort=\"id finance gruppe es\">ID Finance Gruppe (ES)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/idfinance.com\/static\/b2736a0718bf5325e9128916702f1509\/financial-statements-id-finance-spain-2025-audited-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"ey\">EY<\/td><td class=\"stark\" data-sort=\"11612000\">EUR 11.6M<\/td><td class=\"stark\" data-sort=\"5.2\">5.2%<\/td><td class=\"mittel\" data-sort=\"15.4\">15.4%<\/td><td class=\"stark\" data-sort=\"2.97\">2.97<\/td><td class=\"kritisch\" data-sort=\"59.1\">59.1%<\/td><td class=\"stabil\" data-sort=\"70\">70<\/td><\/tr><tr><td data-sort=\"mozipo group ro\">Mozipo Group (RO)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/782C4BC4-9FFA-E27F-97FF-D2BECDA8A27B.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stark\" data-sort=\"60670\">EUR 61K<\/td><td class=\"mittel\" data-sort=\"1\">1.0%<\/td><td class=\"stabil\" data-sort=\"37.4\">37.4%<\/td><td class=\"stark\" data-sort=\"2.29\">2.29<\/td><td class=\"stabil\" data-sort=\"7.1\">7.1%<\/td><td class=\"stabil\" data-sort=\"70\">70<\/td><\/tr><tr><td data-sort=\"cash credit bg\">Cash Credit (BG)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/assets.mintos.com\/FA1F5C5B-E082-34F8-120D-FCB7659EE293.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"risiko\" data-sort=\"einzelpr\u00fcfer\">Einzelpr\u00fcfer<\/td><td class=\"stark\" data-sort=\"265360\">EUR 265K<\/td><td class=\"stabil\" data-sort=\"4\">4.0%<\/td><td class=\"stark\" data-sort=\"55.4\">55.4%<\/td><td class=\"stabil\" data-sort=\"1.8\">1.80<\/td><td class=\"risiko\" data-sort=\"1.7\">1.7%<\/td><td class=\"mittel\" data-sort=\"69\">69<\/td><\/tr><tr><td data-sort=\"delfingroup lv\">DelfinGroup (LV)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/72BBEBBB-D280-0EC9-3795-5A77E736D3EE.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"9614824\">EUR 9.6M<\/td><td class=\"stark\" data-sort=\"6.6\">6.6%<\/td><td class=\"mittel\" data-sort=\"18.5\">18.5%<\/td><td class=\"kritisch\" data-sort=\"0.45\">0.45<\/td><td class=\"risiko\" data-sort=\"33.1\">33.1%<\/td><td class=\"mittel\" data-sort=\"67\">67<\/td><\/tr><tr><td data-sort=\"iute group ee\">Iute Group (EE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/iute.com\/wp-content\/uploads\/2026\/03\/Iute-Annual-Report-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"kpmg\">KPMG<\/td><td class=\"stark\" data-sort=\"9938000\">EUR 9.9M<\/td><td class=\"mittel\" data-sort=\"2.1\">2.1%<\/td><td class=\"mittel\" data-sort=\"15.8\">15.8%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"24.5\">24.5%<\/td><td class=\"mittel\" data-sort=\"66\">66<\/td><\/tr><tr><td data-sort=\"iutecredit md\">IuteCredit (MD)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/FA3E6A36-F468-CBCF-A114-5E199CDC2328.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"baker tilly\">Baker Tilly<\/td><td class=\"stark\" data-sort=\"256241\">EUR 256K<\/td><td class=\"risiko\" data-sort=\"0.4\">0.4%<\/td><td class=\"stabil\" data-sort=\"25.4\">25.4%<\/td><td class=\"stark\" data-sort=\"2.04\">2.04<\/td><td class=\"risiko\" data-sort=\"25.4\">25.4%<\/td><td class=\"mittel\" data-sort=\"66\">66<\/td><\/tr><tr><td data-sort=\"eleving \/ as mogo lv\">Eleving \/ AS Mogo (LV)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/core.eleving.com\/storage\/NItFFXJPN4InCCRn\/AS%20mogo%20financial%20statements%202024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"kritisch\" data-sort=\"-968560\">EUR (969K)<\/td><td class=\"kritisch\" data-sort=\"-2.6\">(2.6%)<\/td><td class=\"stark\" data-sort=\"72.4\">72.4%<\/td><td class=\"stark\" data-sort=\"2.29\">2.29<\/td><td class=\"kritisch\" data-sort=\"43.7\">43.7%<\/td><td class=\"mittel\" data-sort=\"64\">64<\/td><\/tr><tr><td data-sort=\"bb finance ee\">BB Finance (EE)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/assets.mintos.com\/5F5B168F-C713-35D4-B537-495F411FA4BB.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"kpmg\">KPMG<\/td><td class=\"stark\" data-sort=\"1078881\">EUR 1.1M<\/td><td class=\"stabil\" data-sort=\"5\">5.0%<\/td><td class=\"mittel\" data-sort=\"18\">18.0%<\/td><td class=\"\"><\/td><td class=\"risiko\" data-sort=\"25.8\">25.8%<\/td><td class=\"mittel\" data-sort=\"63\">63<\/td><\/tr><tr><td data-sort=\"restock tech group id\">Restock Tech Group (ID)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/2CB385EC-DC83-9CD0-DDC5-C05534E54A29.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"136627\">EUR 137K<\/td><td class=\"mittel\" data-sort=\"1.6\">1.6%<\/td><td class=\"mittel\" data-sort=\"17.5\">17.5%<\/td><td class=\"stark\" data-sort=\"6.72\">6.72<\/td><td class=\"stabil\" data-sort=\"8.6\">8.6%<\/td><td class=\"mittel\" data-sort=\"63\">63<\/td><\/tr><tr><td data-sort=\"eleving lt\">Eleving (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/5432A899-EAEC-4A88-391A-B12866666EF2.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"212867\">EUR 213K<\/td><td class=\"risiko\" data-sort=\"0.9\">0.9%<\/td><td class=\"mittel\" data-sort=\"16.3\">16.3%<\/td><td class=\"stark\" data-sort=\"2.46\">2.46<\/td><td class=\"stabil\" data-sort=\"5\">5.0%<\/td><td class=\"mittel\" data-sort=\"61\">61<\/td><\/tr><tr><td data-sort=\"pinjam yuk sg\">Pinjam Yuk (SG)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/639E5C61-64B2-7AD2-63D8-9E588E070741.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"1488596\">EUR 1.5M<\/td><td class=\"stark\" data-sort=\"5.2\">5.2%<\/td><td class=\"stark\" data-sort=\"42.8\">42.8%<\/td><td class=\"stabil\" data-sort=\"1.73\">1.73<\/td><td class=\"kritisch\" data-sort=\"79\">79.0%<\/td><td class=\"mittel\" data-sort=\"60\">60<\/td><\/tr><tr><td data-sort=\"eleving al\">Eleving (AL)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/C541E979-BEA2-A20A-7247-92B3CCFB4F3F.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"6002390\">EUR 6.0M<\/td><td class=\"stark\" data-sort=\"14.5\">14.5%<\/td><td class=\"stabil\" data-sort=\"30.2\">30.2%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"23.1\">23.1%<\/td><td class=\"mittel\" data-sort=\"57\">57<\/td><\/tr><tr><td data-sort=\"eleving \/ finmak mk\">Eleving \/ FINMAK (MK)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/E7D0B8BA-65E2-6F5D-46B3-D376F1F26F2F.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"4417920\">EUR 4.4M<\/td><td class=\"stark\" data-sort=\"17\">17.0%<\/td><td class=\"stark\" data-sort=\"53.6\">53.6%<\/td><td class=\"\"><\/td><td class=\"risiko\" data-sort=\"30.4\">30.4%<\/td><td class=\"mittel\" data-sort=\"57\">57<\/td><\/tr><tr><td data-sort=\"mk kredit ro\">MK Kredit (RO)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/F825D959-1475-99F0-BF7F-B1D0918F56DF.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stark\" data-sort=\"1990482\">EUR 2.0M<\/td><td class=\"stabil\" data-sort=\"3.8\">3.8%<\/td><td class=\"mittel\" data-sort=\"19.4\">19.4%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"10.2\">10.2%<\/td><td class=\"mittel\" data-sort=\"57\">57<\/td><\/tr><tr><td data-sort=\"watu credit ug\">Watu Credit (UG)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/assets.mintos.com\/246D5CD5-938D-156F-BD62-5350F09673CD.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"8281962\">EUR 8.3M<\/td><td class=\"stark\" data-sort=\"9.1\">9.1%<\/td><td class=\"stabil\" data-sort=\"28.9\">28.9%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"18.7\">18.7%<\/td><td class=\"mittel\" data-sort=\"57\">57<\/td><\/tr><tr><td data-sort=\"vivalia mx\">Vivalia (MX)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/111FAA5C-9937-2F0F-DD53-B3AF4BC14859.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"96970\">EUR 97K<\/td><td class=\"risiko\" data-sort=\"0.2\">0.2%<\/td><td class=\"stark\" data-sort=\"46.2\">46.2%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"15.6\">15.6%<\/td><td class=\"mittel\" data-sort=\"56\">56<\/td><\/tr><tr><td data-sort=\"evergreen finance gb\">Evergreen Finance (GB)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/FE521800-0AB1-D1CC-9EF3-9CAEAD02D3A8.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"1708575\">EUR 1.7M<\/td><td class=\"stark\" data-sort=\"5.2\">5.2%<\/td><td class=\"mittel\" data-sort=\"22.4\">22.4%<\/td><td class=\"stabil\" data-sort=\"1.59\">1.59<\/td><td class=\"risiko\" data-sort=\"33.6\">33.6%<\/td><td class=\"mittel\" data-sort=\"55\">55<\/td><\/tr><tr><td data-sort=\"credius ro\">Credius (RO)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/6459A45B-C18E-0A57-18E0-D889ACF32E0F.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"1729701\">EUR 1.7M<\/td><td class=\"stark\" data-sort=\"7.6\">7.6%<\/td><td class=\"stark\" data-sort=\"40.7\">40.7%<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"35.6\">35.6%<\/td><td class=\"risiko\" data-sort=\"52\">52<\/td><\/tr><tr><td data-sort=\"mogo kz\">Mogo (KZ)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/99A9AFE7-4D05-DFB6-E2A3-147B0151C5EB.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"8051115\">EUR 8.1M<\/td><td class=\"stark\" data-sort=\"7.2\">7.2%<\/td><td class=\"mittel\" data-sort=\"16.3\">16.3%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"18.4\">18.4%<\/td><td class=\"risiko\" data-sort=\"52\">52<\/td><\/tr><tr><td data-sort=\"mk kredit md\">MK Kredit (MD)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/CC4BEE0E-B1EC-2165-F231-B7933D04B587.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"241166\">EUR 241K<\/td><td class=\"risiko\" data-sort=\"1\">1.0%<\/td><td class=\"stabil\" data-sort=\"32.7\">32.7%<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"24.7\">24.7%<\/td><td class=\"risiko\" data-sort=\"51\">51<\/td><\/tr><tr><td data-sort=\"sun finance se\">Sun Finance (SE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/2324FA51-02E9-67C8-1434-E4CE111FA0D1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"risiko\" data-sort=\"einzelpr\u00fcfer\">Einzelpr\u00fcfer<\/td><td class=\"stark\" data-sort=\"2539668\">EUR 2.5M<\/td><td class=\"stark\" data-sort=\"9.2\">9.2%<\/td><td class=\"risiko\" data-sort=\"9.6\">9.6%<\/td><td class=\"mittel\" data-sort=\"1.11\">1.11<\/td><td class=\"kritisch\" data-sort=\"65.7\">65.7%<\/td><td class=\"risiko\" data-sort=\"49\">49<\/td><\/tr><tr><td data-sort=\"monefit ee\">Monefit (EE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/4B95034A-7205-0FCE-B105-BFB98652C07B.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"88000\">EUR 88K<\/td><td class=\"risiko\" data-sort=\"0.1\">0.1%<\/td><td class=\"risiko\" data-sort=\"10.2\">10.2%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"7.3\">7.3%<\/td><td class=\"risiko\" data-sort=\"46\">46<\/td><\/tr><tr><td data-sort=\"eleving ee\">Eleving (EE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/858725C0-F7F6-E4A5-F36F-8B9200E4308E.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"15597\">EUR 16K<\/td><td class=\"risiko\" data-sort=\"0\">0.0%<\/td><td class=\"risiko\" data-sort=\"7.6\">7.6%<\/td><td class=\"risiko\" data-sort=\"0.99\">0.99<\/td><td class=\"mittel\" data-sort=\"20.9\">20.9%<\/td><td class=\"risiko\" data-sort=\"45\">45<\/td><\/tr><tr><td data-sort=\"esto lt\">ESTO (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/47D06E1E-6B52-8406-C51E-B5E2221D7549.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"risiko\" data-sort=\"tezaurus (eingeschraenkt)\">Tezaurus (eingeschraenkt)<\/td><td class=\"kritisch\" data-sort=\"-863624\">EUR (864K)<\/td><td class=\"kritisch\" data-sort=\"-10.3\">(10.3%)<\/td><td class=\"kritisch\" data-sort=\"-34.9\">(34.9%)<\/td><td class=\"stark\" data-sort=\"2.23\">2.23<\/td><td class=\"mittel\" data-sort=\"18.7\">18.7%<\/td><td class=\"risiko\" data-sort=\"42\">42<\/td><\/tr><tr><td data-sort=\"creditstar fi\">Creditstar (FI)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/1FAE7A18-11D4-2B0C-26D1-44928BCDBDF1.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"96000\">EUR 96K<\/td><td class=\"risiko\" data-sort=\"0.1\">0.1%<\/td><td class=\"kritisch\" data-sort=\"2.9\">2.9%<\/td><td class=\"\"><\/td><td class=\"stabil\" data-sort=\"10.5\">10.5%<\/td><td class=\"risiko\" data-sort=\"41\">41<\/td><\/tr><tr><td data-sort=\"iutecredit bg\">IuteCredit (BG)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/assets.mintos.com\/0C7808C9-C7F7-3127-748A-80C69E6E2E27.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"aelb bulgaria\">AELB Bulgaria<\/td><td class=\"kritisch\" data-sort=\"-1160121\">EUR (1.2M)<\/td><td class=\"kritisch\" data-sort=\"-8.1\">(8.1%)<\/td><td class=\"risiko\" data-sort=\"8.3\">8.3%<\/td><td class=\"mittel\" data-sort=\"1.21\">1.21<\/td><td class=\"kritisch\" data-sort=\"57.8\">57.8%<\/td><td class=\"risiko\" data-sort=\"41\">41<\/td><\/tr><tr><td data-sort=\"hipocredit lv\">Hipocredit (LV)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/3F6C0DE6-4E9A-57DF-6C9F-280CAC5617BA.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"205630\">EUR 206K<\/td><td class=\"mittel\" data-sort=\"1.2\">1.2%<\/td><td class=\"risiko\" data-sort=\"14.6\">14.6%<\/td><td class=\"stark\" data-sort=\"8.12\">8.12<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"38\">38<\/td><\/tr><tr><td data-sort=\"eleving \/ mogo lt\">Eleving \/ mogo (LT)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/core.eleving.com\/storage\/a5SaSxRZE6Qe7J93\/Mogo%20UAB%20financial%20statements%202024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"rosk\">ROSK<\/td><td class=\"risiko\" data-sort=\"-667348\">EUR (667K)<\/td><td class=\"kritisch\" data-sort=\"-2.6\">(2.6%)<\/td><td class=\"risiko\" data-sort=\"7.8\">7.8%<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"32\">32<\/td><\/tr><tr><td data-sort=\"idf eurasia kz\">IDF Eurasia (KZ)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/assets.mintos.com\/E2E13064-B794-5079-257B-CCEDB1969EA5.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"risiko\" data-sort=\"-19675690\">EUR (19.7M)<\/td><td class=\"kritisch\" data-sort=\"-8.5\">(8.5%)<\/td><td class=\"risiko\" data-sort=\"11\">11.0%<\/td><td class=\"risiko\" data-sort=\"0.8\">0.80<\/td><td class=\"kritisch\" data-sort=\"61.5\">61.5%<\/td><td class=\"kritisch\" data-sort=\"29\">29<\/td><\/tr><\/tbody><\/table><\/figure><script data-category=\"functional\" src=\"https:\/\/rethink-p2p.de\/wp-content\/themes\/maxwell\/kreditgeber-sort.js?v=1787559527\"><\/script>\r\n<p>You can check out the <a href=\"https:\/\/rethink-p2p.de\/en\/loan-originators\/\" target=\"_blank\" rel=\"noopener\"><strong>lender overview and comparison page<\/strong><\/a> to learn more about the applied KPIs and their interpretation. A detailed evaluation of the strongest loan originators is available in the overview of the <strong><a href=\"https:\/\/rethink-p2p.de\/en\/mintos-lending-companies\/\">best Mintos lending companies<\/a><\/strong>.<\/p>\r\n<hr \/>\r\n<h2>Advantages and Disadvantages<\/h2>\r\n<p>In this section, I have listed the biggest advantages and disadvantages of Mintos.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Operational since 2015<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> Licensed as a European investment firm, regulated under MiFID II<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Investor Funds:<\/strong> Legally supervised separation of investor and company funds<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Transparency:<\/strong> Audited financial statements are published on a regular basis<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Auto Invest:<\/strong> Automated investment option available<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> Secondary market, short maturities or early exit possible<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Asset Classes:<\/strong> Mintos offers a wide variety of different asset classes<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Losses:<\/strong> Investors have already incurred capital losses on the platform<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Profitability:<\/strong> Platform is currently not operating on a profitable level<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Costs:<\/strong> Fees or costs applicable for investors<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Withholding Taxes:<\/strong> Withholding taxes are retained for private investors<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Conflicts of Interest:<\/strong> Shareholder overlaps between platform and lenders<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Portfolio Quality:<\/strong> Exceptionally high default rate (&gt; 25%)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Due Diligence:<\/strong> Times of crisis have revealed weaknesses in the area of due diligence<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>Summary Mintos Review<\/strong><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024.jpg\"><img decoding=\"async\" class=\"alignleft wp-image-21792 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Mintos-Review-P2P-2024\" width=\"500\" height=\"629\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024-239x300.jpg 239w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024-815x1024.jpg 815w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Mintos-Erfahrungen-P2P-Kredite-Reise-2024-768x965.jpg 768w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/629;\" \/><\/a>Mintos is the market leader in the European P2P lending environment. This status has been achieved through a highly scalable business model with externally connected lenders.<\/p>\r\n<p>With a favourable economic situation behind them, investors have been able to regularly achieve double-digit returns. However, investors had to pay the price for this rapid growth due to a combination of inadequate due diligence and macroeconomic events.<\/p>\r\n<p>As a result, more than EUR 140 million are still in the recovery process in 2024. Mintos itself is already expecting a loss of at least EUR 64 million.<\/p>\r\n<p>Because the overall performance of the Mintos portfolio shows that a diversified approach across multiple lenders does not work, investing in P2P loans is only recommended for advanced investors who are able to evaluate individual lending companies.<\/p>\r\n<p>Apart from that, asset classes like fractional bonds offer a much more interesting alternative for investors on Mintos.<\/p>\r\n\r\n<hr \/>\r\n<h3><strong>Mintos Alternatives<\/strong><\/h3>\r\n<p>Already invested in Mintos? Or looking for similar platforms? Here are three Mintos alternatives from the P2P market.<\/p>\r\n<p><strong>Income Marketplace:<\/strong> An unregulated P2P marketplace headquartered in Estonia, which markets itself through innovative security features that are designed to protect investors from underperforming loan originators. Similar to Mintos, Income Marketplace follows a marketplace model with a wide range of international loan originators. Attractive combination of high interest rates and high liquidity. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Income Marketplace review<\/strong><\/a>.<\/p>\r\n<p><strong>PeerBerry:<\/strong> A P2P marketplace incorporated in Croatia, working closely with partners from within the Aventus Group. Compared to Mintos, PeerBerry is notably more focused in its approach and stands out through a strong performance during times of crisis and a reliable repayment quality. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/peerberry-review\/\" target=\"_blank\" rel=\"noopener\"><strong>PeerBerry review<\/strong><\/a>.<\/p>\r\n<p><strong>Afranga:<\/strong> A regulated P2P marketplace based in Bulgaria, holding an ECSP licence. Compared to Mintos, Afranga is notably smaller and more focused in its approach, but offers competitive interest rates and a clean performance record with no capital losses for investors to date. A good fit for investors looking to add a regulated niche platform to their portfolio. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/afranga-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Afranga review<\/strong><\/a>.<\/p>\r\n<p>On my blog, investors can find a detailed breakdown with the best <a href=\"https:\/\/rethink-p2p.de\/en\/mintos-alternatives\/\" target=\"_blank\" rel=\"noopener\"><strong>Mintos Alternatives in 2026<\/strong><\/a>. You can find other Mintos alternatives in the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2>FAQ Mintos Review<\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1603374162575\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 What is Mintos?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Mintos is Europe&#8217;s largest P2P marketplace, headquartered in Riga, Latvia, operational since 2015. In addition to P2P loans, investors can also invest in ETFs, bonds, real estate, a money market fund, and regulated crypto ETPs.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1616000487502\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is Mintos regulated?<\/strong>\r\n<p class=\"schema-faq-answer\">Yes. Mintos has been regulated by the Latvian financial authority (FCMC) under MiFID II since August 2021. Investor funds are protected up to \u20ac20,000 by the Latvian investor compensation scheme in case of platform insolvency.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1603374211374\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What returns can I expect from Mintos?<\/strong>\r\n<p class=\"schema-faq-answer\">According to Mintos, the net return on P2P loans ranges between 10% and 12%. My personal return after five years stands at 10.79% \u2014 dropping to 7.22% once I factor in over \u20ac1,000 stuck in the recovery process, which I&#8217;ve written off as a loss after two years without repayment. Loan originator defaults can significantly impact your actual yield.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1719594677113\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What are the biggest risks at Mintos?<\/strong>\r\n<p class=\"schema-faq-answer\">The main risk lies in loan originator defaults. During the COVID-19 pandemic and the war in Ukraine, up to \u20ac150 million of investor funds were tied up in recovery at times. Carefully selecting loan originators is therefore essential.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774859943004\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is there a bonus for signing up with Mintos?<\/strong>\r\n<p class=\"schema-faq-answer\">Yes. New investors who register via my affiliate link and invest at least \u20ac1,500 within the first 30 days receive a \u20ac25 sign-up bonus.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36704,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-14266","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mintos Review 2026: Worth Investing Again? (Consider This!)<\/title>\n<meta name=\"description\" content=\"Mintos Review 2026: Worth Investing Again? (Consider This!) Deep Dive Mintos Review \u271a 25 EUR Sign-Up Bonus!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/en\/mintos-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mintos Review 2026: Worth Investing Again? (Consider This!)\" \/>\n<meta property=\"og:description\" content=\"Mintos Review 2026: Worth Investing Again? (Consider This!) 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In addition to P2P loans, investors can also invest in ETFs, bonds, real estate, a money market fund, and regulated crypto ETPs.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/mintos-review\\\/#faq-question-1616000487502\",\"position\":2,\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/mintos-review\\\/#faq-question-1616000487502\",\"name\":\"\u2705 Is Mintos regulated?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Mintos has been regulated by the Latvian financial authority (FCMC) under MiFID II since August 2021. Investor funds are protected up to \u20ac20,000 by the Latvian investor compensation scheme in case of platform insolvency.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/mintos-review\\\/#faq-question-1603374211374\",\"position\":3,\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/mintos-review\\\/#faq-question-1603374211374\",\"name\":\"\u2705 What returns can I expect from Mintos?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<a href=\\\"http:\\\/\\\/bit.ly\\\/rethink-p2p-mintos\\\" target=\\\"_blank\\\" rel=\\\"noreferrer noopener\\\"><\\\/a>According to Mintos, the net return on P2P loans ranges between 10% and 12%. My personal return after five years stands at 10.79% \u2014 dropping to 7.22% once I factor in over \u20ac1,000 stuck in the recovery process, which I've written off as a loss after two years without repayment. Loan originator defaults can significantly impact your actual yield.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/mintos-review\\\/#faq-question-1719594677113\",\"position\":4,\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/mintos-review\\\/#faq-question-1719594677113\",\"name\":\"\u2705 What are the biggest risks at Mintos?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risk lies in loan originator defaults. During the COVID-19 pandemic and the war in Ukraine, up to \u20ac150 million of investor funds were tied up in recovery at times. 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In addition to P2P loans, investors can also invest in ETFs, bonds, real estate, a money market fund, and regulated crypto ETPs.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/mintos-review\/#faq-question-1616000487502","position":2,"url":"https:\/\/rethink-p2p.de\/en\/mintos-review\/#faq-question-1616000487502","name":"\u2705 Is Mintos regulated?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. Mintos has been regulated by the Latvian financial authority (FCMC) under MiFID II since August 2021. Investor funds are protected up to \u20ac20,000 by the Latvian investor compensation scheme in case of platform insolvency.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/mintos-review\/#faq-question-1603374211374","position":3,"url":"https:\/\/rethink-p2p.de\/en\/mintos-review\/#faq-question-1603374211374","name":"\u2705 What returns can I expect from Mintos?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"<a href=\"http:\/\/bit.ly\/rethink-p2p-mintos\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>According to Mintos, the net return on P2P loans ranges between 10% and 12%. My personal return after five years stands at 10.79% \u2014 dropping to 7.22% once I factor in over \u20ac1,000 stuck in the recovery process, which I've written off as a loss after two years without repayment. Loan originator defaults can significantly impact your actual yield.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/mintos-review\/#faq-question-1719594677113","position":4,"url":"https:\/\/rethink-p2p.de\/en\/mintos-review\/#faq-question-1719594677113","name":"\u2705 What are the biggest risks at Mintos?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The main risk lies in loan originator defaults. During the COVID-19 pandemic and the war in Ukraine, up to \u20ac150 million of investor funds were tied up in recovery at times. Carefully selecting loan originators is therefore essential.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/mintos-review\/#faq-question-1774859943004","position":5,"url":"https:\/\/rethink-p2p.de\/en\/mintos-review\/#faq-question-1774859943004","name":"\u2705 Is there a bonus for signing up with Mintos?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. 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