Maclear vs Mintos
Which platform performs better in 2026? Anonymized data from real investor portfolios on P2P Dash: returns, sentiment and facts side by side.
Community data compared
As of August 28, 2026
 Maclear |  Mintos | |
|---|---|---|
| Community ranking 2026 | #23 of 27 | #15 of 27 |
| Median net return (XIRR) | 23.2% | 10.7% |
| Median cash drag | 4.1% | 3.1% |
| Investors on P2P Dash | 411 | 1,029 |
| Combined portfolio value | €3.85M | €9.92M |
| Interest earned all-time | €527K | €3.37M |
Platform facts
| Founded | 2023 | 2015 |
| Headquarters | 🇨🇭 Switzerland | 🇱🇻 Latvia |
| Regulated | Yes | Yes |
| Buyback Guarantee | No | Yes |
| Secondary Market | Yes | Yes |
| Auto-Invest | Yes | Yes |
Returns year by year
Median net return per calendar year, from the portfolios that track each platform.
Maclear
23.8%
Last 12 months · All time 23.2%
66 investors
Mintos
9.9%
Last 12 months · All time 10.7%
247 investors
20.7%
10.2%
2024
20.6%
11.2%
2025
22.4%
8.9%
2026
Maclear came out ahead in 3 of the 3 years both platforms have data for.
How far apart investors land
The bar covers the middle 50% of investors, the mark is the median.
Maclear Middle 50% of investors: 17.2% – 27.5%
Median net return (XIRR): 23.2%
Mintos Middle 50% of investors: 8.9% – 12.5%
Median net return (XIRR): 10.7%
Mintos investors sit closer together: 3.6% between the 25th and 75th percentile, against 10.4%.
Where the money is going
Deposits minus withdrawals per month over the last year, across the investors who track each platform.
Investors who track both
233 investors track both platforms.
57% of Maclear investors also track Mintos.
23% of Mintos investors also track Maclear.
What the data says
Measured by real portfolios on P2P Dash, Maclear currently delivers the higher median net return: 23.2% versus 10.7% at Mintos.
Investor sentiment currently favors Mintos: 54% of stated strategies are “add funds” or “reinvest”, versus 37% at Maclear.
Mintos is the bigger platform on P2P Dash, with 1,029 investors tracking it versus 411 for Maclear.
Anonymized, nightly aggregated community data from P2P Dash portfolios. Past performance is no guarantee of future results. This is not investment advice.
Frequently asked questions
Answers based on anonymized community data from P2P Dash investors.
Which delivers the higher return: Maclear or Mintos?
Among P2P Dash investors, Maclear currently shows the higher median net return (XIRR): 23.2% versus 10.7% (as of August 28, 2026). The middle 50% of portfolios earn 17.2% – 27.5% at Maclear and 8.9% – 12.5% at Mintos.
Which has done better recently, Maclear or Mintos?
Over the last 12 months Maclear shows the higher median net return: 23.8% against 9.9%. All time the figures are 23.2% for Maclear and 10.7% for Mintos (as of August 28, 2026).
Where do investors put new money right now, Maclear or Mintos?
As of August 28, 2026, 37% of stated strategies at Maclear are “add funds” or “reinvest”, compared to 54% at Mintos.
Do investors use Maclear and Mintos at the same time?
233 investors on P2P Dash track both platforms. 57% of Maclear investors also have Mintos in their portfolio.
How do I compare my own returns on Maclear and Mintos?
Import your transaction exports from both platforms into P2P Dash for free. You get your real net return (XIRR), cash drag and income per platform, directly comparable in one dashboard.
See your own numbers side by side
Import your portfolios from both platforms for free and P2P Dash shows your real net return (XIRR), cash drag and income, per platform and combined.