Mintos vs PeerBerry – Platform Comparison 2026

PeerBerry and Mintos are two of the most followed P2P platforms in Europe, but they appeal to different types of investors. The right choice is not just about who offers the higher headline return; it is about how much complexity, diversification, and platform-specific risk you are comfortable accepting.

At a glance

• PeerBerry: better for investors who value simplicity, consistency, and a narrower marketplace structure.
• Mintos: better for investors who want more diversification, more products, and more room to build a customized allocation.

Returns: headline yield vs real experience

Mintos often advertises slightly higher returns because the marketplace includes a wider mix of originators and products. That upside can be real, but it usually comes with more dispersion in outcomes and more homework for the investor.

PeerBerry generally appeals to investors who are willing to accept a somewhat simpler return profile in exchange for a cleaner and easier-to-monitor setup.

Regulation and investor protection

Mintos is a licensed investment firm under MiFID II, supervised by Latvijas Banka. PeerBerry does not hold an ECSP or MiFID II licence: its investor protection is contractual (buyback and group guarantees), not regulatory. Mintos therefore offers the stronger regulatory framework of the two, while PeerBerry is often appreciated for the practical simplicity of its model and its strong historical reputation among retail investors.

Diversification and product range

Mintos wins clearly on product breadth. It offers more originators, more geographies, and a wider set of investment possibilities. That makes it stronger for investors building a larger, more segmented P2P allocation.

PeerBerry wins on ease of understanding. For many users, a simpler marketplace can be a feature rather than a limitation because it reduces the number of portfolio mistakes they are likely to make.

Liquidity and platform experience

If you want a cleaner interface and a lower cognitive load, PeerBerry is often the easier platform to use. Mintos can still be very user friendly, but its broader product set inevitably makes due diligence and portfolio management more demanding.

Who should choose PeerBerry?

• Investors who value operational simplicity
• Users who prefer a narrower universe of lending partners
• People who want a conservative complement to a broader multi-platform strategy

Who should choose Mintos?

• Investors who want deeper diversification across originators and countries
• Users who are comfortable analyzing more data and more product types
• People building a larger core allocation within P2P lending

Bonuses and final verdict

PeerBerry currently remains a strong option if your first priority is simplicity and historical consistency. Mintos is usually the stronger choice if you want broader diversification and more control over how you build your portfolio.

Bottom line: conservative investors often prefer PeerBerry, while more hands-on investors often prefer Mintos. Many experienced users combine both platforms to balance simplicity with breadth.