Mintos vs Swaper
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 July 13, 2026
 Mintos |  Swaper | |
|---|---|---|
| Community ranking 2026 | #17 of 34 | #28 of 34 |
| Median net return (XIRR) | 10.9% | 13.3% |
| Middle 50% | 9.0% – 12.7% | 12.3% – 14.0% |
| Add funds / reinvest | 54% · 229 votes | 38% · 90 votes |
| Median cash drag | 3.0% | 6.9% |
| Investors on P2P Dash | 935 | 290 |
| Combined portfolio value | €9.28M | €2.44M |
| Interest earned all-time | €3.17M | €425K |
Platform facts
| Founded | 2015 | 2016 |
| Headquarters | 🇱🇻 Latvia | 🇪🇪 Estonia |
| Regulated | Yes | No |
| Buyback Guarantee | Yes | Yes |
| Secondary Market | Yes | Yes |
| Auto-Invest | Yes | Yes |
What the data says
Measured by real portfolios on P2P Dash, Swaper currently delivers the higher median net return: 13.3% versus 10.9% at Mintos.
Investor sentiment currently favors Mintos: 54% of stated strategies are “add funds” or “reinvest”, versus 38% at Swaper.
Mintos is the bigger platform on P2P Dash, with 935 investors tracking it versus 290 for Swaper.
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: Mintos or Swaper?
Among P2P Dash investors, Swaper currently shows the higher median net return (XIRR): 13.3% versus 10.9% (as of July 13, 2026). The middle 50% of portfolios earn 9.0% – 12.7% at Mintos and 12.3% – 14.0% at Swaper.
Where do investors put new money right now — Mintos or Swaper?
As of July 13, 2026, 54% of stated strategies at Mintos are “add funds” or “reinvest”, compared to 38% at Swaper.
How do I compare my own returns on Mintos and Swaper?
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.