Mintos
Latvia · Consumo · Fundada 2015
A nossa nota
Retorno médio
10,28%
média da plataforma
Regulação: MiFID II investment firm licence 06.06.08.719/534 (Latvijas Banka)
Link de parceria — podemos receber uma comissão, sem custo adicional para si. Não afecta a nota acima.
O nosso veredicto
Mintos is the most thoroughly regulated and documented loan marketplace we cover. AS Mintos Marketplace is a MiFID investment firm supervised by Latvijas Banka since August 2021, holds client money separately, publishes accounts audited by KPMG Baltics and shows its bad years, including a −1.2% net return in 2022. None of that protects you from the lending companies themselves: several failed in 2020–2022, and in 2026 Nera Capital missed a principal repayment while Fintech Finance and Biznes Zaim were removed and are winding down. The realistic case for Mintos is as a diversified, supervised account that still carries real credit risk — in good years net returns have come close to the headline rate, in bad years they fell six to eleven points below it.
Ler a nossa análise completa da MintosRegulação, rendimentos, comissões, riscos e o nosso veredicto, em detalhe (em inglês).O que funciona
- Many lending companies across several countries, which makes genuine diversification possible inside one account
- MiFID investment firm licence from Latvijas Banka (17 August 2021), with segregated client assets and EUR 20,000 compensation if Mintos itself fails
- Publishes net returns and loss rates for every year since 2015, including the −1.2% of 2022
- Working secondary market: EUR 468 million sold to date, and performing notes can usually be sold within days
O que não funciona
- The 60-day buyback comes from each lending company and fails when that company fails; the compensation scheme does not cover lender defaults
- Lending-company failures are not history: Nera Capital has been in payment delay since April 2026, Fintech Finance and Biznes Zaim are winding down, and 2020 recoveries are still not complete
- Fees and cash drag reduce returns: 0.39% a year on Core Loans, 0.29% on Custom Loans and 0.85% on every secondary market sale
- Notes from suspended or defaulted lenders cannot be sold, and the group itself lost EUR 2.28 million in 2025 after EUR 2.74 million in 2024
Para quem é
Investors who want one well-supervised account as the backbone of a P2P allocation, spread across many lending companies, and who accept both a lower yield and the fact that a licence does not stop lenders defaulting.
Como se decompõe a nota
Como esta pontuação é calculadaCada dimensão é pontuada de 0 a 10 a partir de dados documentados, depois multiplicada pelo seu peso e somada. Só se arredonda no fim.
Número retirado de: www.mintos.com · 18 de set. de 2026 · €13bn invested through the platform; 10.28% current average interest rate
Monitorização das condições
Relemos diariamente as condições públicas desta plataforma e registamos o que muda.
