Edited on 26/02/2021 / Total invested: 735€.
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PROS
- Number one P2P platform, with more than €6.8 billion funded
- Team of 200 workers
- Audited by Ernst&Young
- They have won multiple awards
- Site in several languages
- Licensed as a European investment firm
CONS
- Over €90 million in recovery process (high risk of loss)
- Many investors are leaving the platform
- Poor monitoring of project originators
- They charge 0.85% commission on the secondary market
- Calificación crediticia de la web sin valor alguno. Check this website for more security
MY EXPERIENCE
- I do not recommend this platform, but if you invest, check here that the originators have more than 65 points
- Buyback Guarantee does not apply
- Some originators can extend their projects for several months without paying additional interest
MINTOS general features
| Country of origin | Latvia |
| Year founded | 2015 |
| Guarantees | Buyback, but does not apply to certain originators |
| Autoinvest | YES |
| Secondary market | YES, 0.85% commission to seller |
| min-max investment | From 10€. No upper limit |
| Return estimated | 6-21% p.a. |
| Investment periods | 1-80 months |
| Support rating | 8 / 10 |
| Official supervision | YES, they have been licensed as a European Investment Firm under the supervision of the Latvian FCMC |
MINTOS latest news
| 03/01/2022 | Data release 2021: 1.78 billion financed, 49 million in interest (it won’t be me) and 108,000 new investors. |
| 21/09/2021 | Find out here all the details about the “Notes” |
| 08/09/2021 | Presentation of the “Notes” in Mintos: key points |
| 19/08/2021 | Mintos is licensed as a European investment firm |
| 19/07/2021 | Mintos will become an investment platform authorised by the FCMC (Financial Capital Market Commission of Latvia) by the end of August |
| 09/06/2021 | Mintos presents the categories of investors: retail, professional and eligible counterparties (investment funds, credit institutions, etc.). |
| 28/05/2021 | Mintos originators publish their annual results. Read more here |
| 21/05/2021 | Mintos reaches 400,000 registered users |
| 19/05/2021 | Originators Swiss Capital and Acema stop working with Mintos |
| 07/05/2021 | E-cash is suspended in Mintos. Outstanding debt of €407,000 |