Mintos Review 2026
Mintos: The regulated marketplace has audited reporting and the longest operating record in this list, but legacy lender failures and multi-year recoveries show that investor capital can remain impaired or illiquid.
Overview
Mintos is a multi-asset P2P lending platform offering returns of ~12%. Long-established, MiFID II-supervised marketplace with many originators and loan types. Past lender failures and multi-year recoveries show that capital can be impaired or illiquid, so spreading across originators matters.
Mintos – Key facts
| Evidence DD | 69/100 |
|---|---|
| Annual Returns | ~12% |
| Risk | MEDIUM RISK |
| Regulation | MiFID II · Latvijas Banka |
| Lending model | Marketplace |
| Founded | 2015 |
| Minimum Investment | €50 |
Data last verified: · How evidence-led scoring works
How It Works
Mintos is a marketplace that connects investors with loans originated by lending companies across Europe and beyond. Investors can choose loans manually or use automated strategies via Mintos Strategies.
Returns and Performance
Mintos offers average returns of ~12%. Actual performance depends on your investment strategy and risk tolerance.
Regulation and Safety
AS Mintos Marketplace is a licensed investment firm under MiFID II, supervised by Latvijas Banka (the Bank of Latvia, which took over the former FCMC). Mintos is a member of Latvia's investor compensation scheme, which pays up to €20,000 if Mintos fails to return client cash or financial instruments. It does not protect against investment risk such as poor performance, loan defaults or changes in price or liquidity.
Pros and Cons
✅ Pros
- Longest operating record in this list
- MiFID II regulated
- €20K compensation scheme (not credit losses)
- Many loan types and originators
⚠️ Cons
- Complex for beginners
- Past originator defaults and long recoveries
Fees
Investing on Mintos is free of charge for investors. No fees are charged for buying or selling loans on the secondary market. Lending companies pay fees to Mintos.
Mintos: Evidence-led due diligence score
69/100
The regulated marketplace has audited reporting and the longest operating record in this list, but legacy lender failures and multi-year recoveries show that investor capital can remain impaired or illiquid.
- Capital performance & recoveries 4/10
- Transparency & evidence 9/10
- Operating history & resilience 10/10
- Governance & investor terms 8/10
A higher rank is not capital protection: every P2P investment can lose money. How evidence-led scoring works
FAQ Mintos
Is Mintos safe?
P2PRadar's evidence-led due diligence score for Mintos is 69/100. The regulated marketplace has audited reporting and the longest operating record in this list, but legacy lender failures and multi-year recoveries show that investor capital can remain impaired or illiquid. A higher score is not capital protection: every P2P investment can lose money.
Is Mintos regulated?
Yes. P2PRadar lists Mintos as regulated (MiFID II · Latvijas Banka). AS Mintos Marketplace is a licensed investment firm under MiFID II, supervised by Latvijas Banka (the Bank of Latvia, which took over the former FCMC). Mintos is a member of Latvia's investor compensation scheme, which pays up to €20,000 if Mintos fails to return client cash or financial instruments. It does not protect against investment risk such as poor performance, loan defaults or changes in price or liquidity.
What returns does Mintos offer?
Mintos offers average returns of ~12%. Actual performance depends on your investment strategy and risk tolerance. Advertised rates are not guaranteed: defaults, delays, currency effects, fees and taxes can reduce net returns.
What is the minimum investment on Mintos?
Mintos minimum investment: €50.
What fees does Mintos charge?
Investing on Mintos is free of charge for investors. No fees are charged for buying or selling loans on the secondary market. Lending companies pay fees to Mintos.
How does Mintos work?
Mintos is a marketplace that connects investors with loans originated by lending companies across Europe and beyond. Investors can choose loans manually or use automated strategies via Mintos Strategies.
My Personal Experience
My Verdict
Long-established, MiFID II-supervised marketplace with many originators and loan types. Past lender failures and multi-year recoveries show that capital can be impaired or illiquid, so spreading across originators matters.
Ready to Start?
A higher rank is not capital protection: every P2P investment can lose money.
Register Now → Mintos