Mintos offers long-term investors an easy-to-use online investment platform for growing their money with a unique mix of alternative and traditional investments.
We believe most people don’t want to spend a lot of time actively managing their portfolios. Also, most investors are better off investing for the long term, since this protects them against market volatility. We make it easy to get started, and our automated portfolios keep your money working for you hassle-free.
Mintos has grown into one of the largest investment platforms in Europe. With the recent addition of bonds and ETFs, you can now invest in a unique asset mix and earn passive income on a single platform through Mintos.
Mintos has garnered recognition for its innovation, winning multiple awards, including AltFi's People's Choice Award and AltFi's Alternative Finance Platform of the Year.
Basic information
Licence/regulation: AS Mintos Marketplace is an investment firm licensed and supervised by Latvijas Banka, the central bank of Latvia. License number 06.06.08.719/534.
For Investors
Functionality
Useful Information
What investments does Mintos offer?
Mintos is the biggest platform in peer to peer-to-peer loan marketplace segment offering investments in a wide variety of products - Agricultural loans, Business loans, car loans, car rental, invoice financing, mortgage, and consumer loans. Loans are issued in 40+ countries by 44 microfinance companies.
The biggest loan originators on Mintos are:
Eleving group;
IDF Eurasia;
Iute Group;
Delfin group.
In addition to loan investments, Mintos is offering to invest in ETFs and Bonds.
Why invest on Mintos?
Mintos is a licensed platform;
Mintos is the biggest platform in peer to peer-to-peer loan marketplace segment with the biggest offering;
Mintos platform has all the tools to make investment easy.
How does Mintos work?
Mintos operates as a so-called peer-to-peer marketplace, meaning you are not providing loans but you invest in already issued loans by some microfinance companies also called loan originators.
Given that all loan originators are offering a buyback guarantee (promise to buy back loan from you in case it becomes overdue) it would be fair to say that investors are basically providing loans to loan originators that are secured with claim rights towards end borrowers.
In addition to loan investments, Mintos is offering to invest in ETFs and Bonds.
What is a risk when investing on Mintos?
When investing on Mintos you basically provide a loan to the Loan originator thus your main risk is that the Loan origination will not be able to fulfill its obligations.
It should be mentioned that many of Loan originators are affiliated with Mintos which might create additional transparency risks.
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